I've been using YNAB for about 7 years now and it works for me. I'm not particularly attached to their service (I think it's really expensive if you don't use t

I've been using YNAB for about 7 years now and it works for me. I'm not particularly attached to their service (I think it's really expensive if you don't use their bank integrations which don't work for my banks anyway), but the basic principle has clicked in my mind early on. If I were to start fresh now, I would probably use Actual[0], which uses pretty much the same idea as YNAB, but has certain features like e2e encryption that I value.