Used YNAB4 + 5 for several years and it never really took. I use Tiller.com now - puts all your data into a Google Sheet or Cloud Excel sheet. It has a bunch o

Used YNAB4 + 5 for several years and it never really took. I use Tiller.com now - puts all your data into a Google Sheet or Cloud Excel sheet. It has a bunch of extensions that you can use for budgeting, emailing daily transactions, reporting, optimizing debt payoffs using various different methods, etc. Plus it's just a spreadsheet, so sorting/filtering etc just work. And it's as fast as having a large Google Sheet. So pretty darn fast.