While their pricing has increased quite a bit (by now also for long time users coming from YNAB 4), for me it is worth every penny and better than anything else out there. I can't recommend it enough and I don't even get paid to write this comment.
Once you get everything dialed in you can almost run on auto-pilot (repeating transactions and goals are your friend). Could I drop YNAB and continue with my better financial behavior? Possibly, probably in the short-term for sure but I know I'd slowly drift until I was back where I was before starting YNAB. The yearly cost ($99/yr) is well worth the cost to keep me on the right track and notice early when I'm slipping.