You don't need to connect your bank account to YNAB. It works fine without it; you just need to manually enter every transaction, which you should do anyway. Li

You don't need to connect your bank account to YNAB. It works fine without it; you just need to manually enter every transaction, which you should do anyway. Linking to your bank account is just to catch mistakes and to auto-add scheduled transactions. I would never go back to budgeting in Excel. Way too tedious.