I've been using YNAB for the last ten years or so and I've found the best way of dealing with these sorts of cases is to exclude that money from "the budget" al

I've been using YNAB for the last ten years or so and I've found the best way of dealing with these sorts of cases is to exclude that money from "the budget" altogether (off-budget bank account, simply not linking them, or putting them in a separate "budget").