It really is excellent. I’m finding with YNAB, I would micro manage every detail of my money. With safe to spend, I can carve out the major expenses like rent and debt payments automatically. Basically every recurring payment and savings goal. Then you know exactly how much extra you have for miscellaneous expenses. It’s a lot less work, and has basically been on autopilot for a while. I’m worried now that micromanaging a budget would be more stressful and time-intensive.