For years I used YNAB and encouraged family to use it too Then I got into FAANG and switched to buying whatever I want and fully pay off credit cards every mon

For years I used YNAB and encouraged family to use it too Then I got into FAANG and switched to buying whatever I want and fully pay off credit cards every month UNTIL my wants got bigger and bigger - last minute vacations, concerts, a lot of “experience” stuff coming out of covid lockdowns And now, RSUs are down , I spend more than I bring in each month, started drawing down on cash savings - YOLO - still driving a Camry though I need a budget again