> You would get the benefit of prepayment discounts and an accurate financial picture when looking at your main account. I've been using YNAB for a few months

> You would get the benefit of prepayment discounts and an accurate financial picture when looking at your main account. I've been using YNAB for a few months and it's perfect for this. I used to park large sums in different places to keep track of what was what, but since I just track it all in YNAB now I can happily park most of my cash in a HYSA. It pays for itself!