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I've used YNAB for over a year and I don't understand it like that. I allocate to different savings (bills, rainy day, etc) and spending (games, eating out, etc) categories and spend from those. Could you explain what you mean about that philosophy? I may be able to further improve my budgeting.

Seconded, I'm a big fan of YNAB (classic, web isn't ready yet)

I love YNAB and would love to use it in the cloud. It's a shame that it is isn't up to snuff yet and is $45/year. It would be great if someone came out with a cloned competitor.

I started working on one a week ago.

What are the main features you'd like to see that were left out from YNAB 4?

yes, but at first glance, it looks complicated. Im a lazy person, so my goal was to create a very basic, but dead simple system to keep track of my expenses