> I knew I wasn't achieving the goals I had with my DIY spreadsheet and mint.com, and once I started using YNAB everything came together very nicely. That is e

> I knew I wasn't achieving the goals I had with my DIY spreadsheet and mint.com, and once I started using YNAB everything came together very nicely. That is exactly what I hope to express in my sibling comment. Increasing the friction (be it UX or multi-device usage) might make my hesitation to manage my financial situation bigger and I might cease to manage it. This would be quite a bad scenario (well, at least for my savings ;) )