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Comment by kdamken | Hacker News Reader

I couldn't agree more - I tried mint for a while and I basically did nothing with it besides checking my transactions.

YNAB completely changed how I view my money. Now when I go to buy something, I don't just go spend. I see how much I have in that category, and if it's not enough, I either move money to it from another category, or not buy it.

It's been very helpful for me in my goal of saving more than 50% of my take home pay.

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Shame it has gone subscription only :( I hate ongoing charges for that sort of thing.

Yea I've been on the fence about trying that out, especially since it's missing some key features (reporting, the calculator). At least YNAB4 is supported til the end of 2016, gives them time to get the new one fixed up.

This is my plan as well. I'll continue to use classic thru it's end-of-life support cycle and then revisit nYNAB and see if they've managed to at least hit feature parity.

YNAB Classic would not be that hard to replicate as a foss project. After the recent switch I am very tempted to do this.

Wow, this news was crushing. I was on the fence about getting ynab for a couple of months now and I was going to get it sometime this week. Coincidentally the trial of ynab made me detest subscription models more than I already did and then they became a subscription model! This is really saddening.. Are there any good replacements that you are aware of (since I do know that ynab is essentially a glorified spreadsheet, but I do like their methodology).

What I hate more is the thought of having my financial data stored in some shady, cobbled together, cloud service, hosted somewhere on Amazon AWS.

I predict, that it is only a question of time until they will encounter some disastrous data leak.

Begin a YNAB user for more than a year now, I am really angry at them for this move. So I'll guess I have to move on to something else after the support for the YNAB4 apps will be shut down.

I completely agree. We've got support until December so I'm considering replicating as much of YNAB 4's methodology and functions as possible in either Excel or Google Sheets when I have free time.

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