When you say “transfer money to discretionary” for example, is that a category in your budget or a separate account? I’ve never had YNAB double up a transfer.

When you say “transfer money to discretionary” for example, is that a category in your budget or a separate account? I’ve never had YNAB double up a transfer. Also, capital gains - not sure what the issue is there either. Add a transaction and categorize it to “Ready To Assign”. Works great.