What about it is useless? I’ve found it to be incredibly useful. And prior to that I used ledger for a few years. Ledger was great, but personally I find YNAB

What about it is useless? I’ve found it to be incredibly useful. And prior to that I used ledger for a few years. Ledger was great, but personally I find YNAB to be more useful because the budgeting features are the focus, not the accounting.