AFTER the learning curve, I spend less than 5 mins per day in it. On payday I spend maybe 10-15 mins. There is a learning curve though; you have to think of mo

AFTER the learning curve, I spend less than 5 mins per day in it. On payday I spend maybe 10-15 mins. There is a learning curve though; you have to think of money differently and that's a process. However, YNAB has no-joke changed my life. I don't stress about money. I know where it is. It's the best thing I've ever done for myself and my future. I spend my money daily, it makes sense I should spend some time PLANNING my money daily. Can't recommend it enough.