Table of Contents
Introduction: The Sunday Scaries and the Bottomless Bank Account
The glow of the laptop screen cast long shadows across Alex’s small apartment.
It was 10 P.M. on a Sunday, a time when the ambient dread of the coming work week typically settled in.
But tonight, that familiar anxiety was sharpened by a different, more acute pang.
A notification from a banking app had confirmed a suspicion: the checking account balance was, once again, perilously low.
A familiar, sinking feeling followed, accompanied by a question that had become a recurring, unwelcome guest in Alex’s mind: Where did it all go?
The salary was decent, enough to cover rent and bills with what should have been a comfortable margin.
Yet, month after month, that margin evaporated into a financial mist.
It disappeared in a series of small, seemingly insignificant transactions: a morning coffee here, a spontaneous takeout order there, a forgotten subscription service quietly siphoning funds in the background.1
This was the reality for Alex, and for millions of others caught in the paycheck-to-paycheck cycle, a state of perpetual financial fragility where a single unexpected expense—a car repair, a vet bill—could trigger a full-blown crisis.2
This constant, low-grade financial stress was more than just an inconvenience; it was a corrosive force.
It fueled arguments with partners about spending, transforming money from a shared tool into a source of conflict.4
It created a sense of being perpetually behind, of running on a treadmill just to stay in the same place.
For many, the act of simply itemizing expenses revealed a harsh truth: life is expensive, and without a plan, it was easy to feel hopelessly broke, regardless of income.2
This is the common ground where the search for a better way begins—not out of a desire for wealth, but for a simple, foundational sense of control.
Chapter 1: A Glimmer of Hope, A Wall of Cost
The first glimmer of that better way came from a friend’s casual comment over lunch.
They spoke of paying off a staggering amount of credit card debt, of finally taking a vacation without guilt, of a strange but powerful feeling of being “in control.” The secret, they said, was a budgeting app with a cult-like following: You Need a Budget, or YNAB.2
Intrigued, Alex went home and fell down a rabbit hole of research.
What emerged was not just a piece of software, but a comprehensive philosophy.
For years, YNAB’s methodology was built on Four simple but profound Rules: 1.
Give Every Dollar a Job.
2.
Embrace Your True Expenses.
3.
Roll With the Punches.
4.
Age Your Money.7
This was a proactive system, a stark contrast to traditional budgeting apps that merely tracked spending after the fact.
It was about telling money where to go, not wondering where it went.
More recently, the company had evolved its approach to be even more intuitive, reframing the rules into a series of Five Questions designed to guide a user’s financial decisions.9
This evolution was a deliberate move to make the powerful, and sometimes intimidating, method more accessible to newcomers.9
The questions formed a ladder of financial health:
- Reality: What does this money need to do before I’m paid again? This foundational question forces an honest assessment of immediate needs, covering upcoming bills and essentials first.10
- Stability: What larger, less frequent spending do I need to prepare for? This addresses the budget-busting “surprises”—like annual insurance premiums or holiday gifts—by breaking them down into manageable monthly savings goals.10
- Resilience: What can I set aside for next month’s spending? This is the key to breaking the paycheck-to-paycheck cycle, building a buffer so that income received this month pays for next month’s expenses.10
- Creation: What goals, large or small, do I want to prioritize? With the immediate and foreseeable future secured, this question shifts the focus to aspirational goals, from a dream vacation to a down payment on a house.10
- Flexibility: What changes do I need to make, if any? Acknowledging that no month is “normal,” this question gives permission to adapt the budget as priorities shift, without guilt or stress.10
This was it.
This was the system that could bring order to the chaos.
The excitement was palpable.
Then, Alex clicked on the pricing page.
The cost was $14.99 per month, or $109 if paid annually.11
The hope deflated instantly.
It was the ultimate paradox: a tool designed to help people struggling with money required a significant financial commitment upfront.
This is a common and powerful psychological barrier.
For someone watching every dollar, the idea of spending over a hundred dollars on an app to
save money can feel counterintuitive, even absurd.13
User forums are filled with discussions about the rising cost, with some longtime users lamenting price hikes over the years.14
Yet, in the same breath, many of those same users concede that the software has saved them thousands of dollars, far more than its subscription fee.12
This is the central conflict for the prospective YNABer, the “$109 Question” that must be answered before any progress can be made.
Chapter 2: The First Taste is Free: Mastering the 34-Day Trial
The answer to the $109 question, it turned out, was to not pay it at all—at least, not at first.
Buried on the pricing page was a promise that seemed too good to be true: a 34-day free trial, with no credit card required.11
This was the gateway, a risk-free opportunity to see if the hype was real.
Taking the plunge, Alex signed up with just an email address.
The initial setup was an exercise in financial archaeology, a process YNAB’s own guides recommend: gathering bank account logins, making a list of all monthly bills with their due dates and amounts, and, crucially, listing the non-monthly “True Expenses” that always seemed to derail the budget.17
The first budgeting session was a revelation.
Following the prompts, Alex connected a checking account and saw the current balance appear at the top of the screen.
Then came the “Aha!” moment.
Guided by the app, Alex began to “Give Every Dollar a Job,” assigning portions of that balance to different categories: Rent, Electricity, Groceries, Student Loan Payment.
For the first time, the abstract number in the bank account was transformed into a concrete plan.6
Answering that first question—
What does this money need to do before I get paid again?—instantly replaced a vague sense of anxiety with a clear sense of purpose.9
The 34-day trial period is intentionally designed to be just over a month long.
This ensures that nearly every user will experience the critical “month rollover,” a moment when the budget resets and the power of the system becomes fully apparent.16
To make the most of this period, a new user must engage with the app actively.
This means entering transactions as they happen, either manually or by approving them as they are imported from a linked bank account.
It means checking the category balance
before making a purchase.
And when overspending inevitably happens, it means immediately following Rule Three—”Roll With the Punches”—by moving money from a lower-priority category to cover the difference, a practice the YNAB community affectionately calls “Whack-a-Mole” or “WAMing”.7
The journey is not always smooth.
Many new users find the learning curve steep, especially when it comes to YNAB’s unique way of handling credit card debt.18
Some become so tangled in their initial setup that they use the “Fresh Start” feature to wipe the slate clean and begin again, a common and perfectly acceptable part of the learning process.18
Recognizing this, YNAB provides a wealth of free educational resources during the trial, including live online workshops with instructors, an extensive library of video tutorials, and award-winning customer support.16
The trial is not merely a software demo; it is a structured, 34-day educational course in a new financial methodology.
The company is wagering that by the end of this intensive onboarding, the user will have experienced such a profound shift in their relationship with money that the subscription fee will no longer seem like a cost, but a necessary investment in their newfound peace of mind.
Chapter 3: The Student Pass: A Full Year of Financial Education
While Alex was navigating the 34-day trial, a friend, Maya, was facing a different kind of financial storm.
As a graduate student, her world was one of massive student loans, a variable stipend that changed from month to month, and the pervasive feeling that financial stability was a distant dream reserved for life after graduation.21
When Alex mentioned YNAB, Maya was skeptical.
If a $109 annual fee was a hurdle, how could a student possibly afford it?
The answer lay in YNAB’s most generous offering: the YNAB College Program.
In a bid to instill healthy financial habits early, the company provides a full, free year of the software to any verified college student.23
This isn’t a limited or “lite” version; it’s the complete YNAB experience for 365 days.
The process is straightforward.
On the YNAB college page, students indicate their school’s location.
Those in the United States verify their status through a third-party service called SheerID.
International students simply email proof of enrollment—such as a class schedule, transcript, or tuition receipt—to the support team.24
The program is remarkably inclusive, with user testimonials confirming that it extends beyond traditional four-year universities to include trade schools, graduate programs, and even medical residencies.26
For students like Maya who might have initially signed up for a trial through the Apple App Store, there is a simple but crucial extra step: they must contact YNAB support to have their account switched to a direct subscription before they can redeem the free year.24
YNAB’s motivation for this program is a savvy blend of altruism and long-term business strategy.
The company openly states its desire to combat the student debt crisis, helping young people graduate with less debt and the skills to pay it off quickly.25
By providing the tool for free during this critical, formative period, they empower students to manage scarce resources, plan for tuition payments, and avoid the trap of treating student loan disbursements like free-for-all spending money.28
Simultaneously, this program is a strategic investment in future customers.
The company recognizes that the learning curve can be a barrier.
A full year provides ample time for a student to not only learn the mechanics of the software but to internalize the methodology and see its profound impact.
As one user who started on the student plan reflected, the free year was the critical factor that got them to take the time to truly understand and use it well, leading to eight years of subsequent financial success.26
YNAB is betting that by the time these students graduate and their incomes rise, they will be so integrated into the YNAB ecosystem that the annual subscription will be a “no-brainer”.25
It is a long-term play that builds a loyal user base by first providing immense, life-changing value at no cost.
For Maya, the free year was a lifeline, allowing her to finally get a handle on her variable income and build a plan that would carry her through her studies and beyond.21
Chapter 4: The Power of Community: Hacking Your Way to a Free Subscription
As the end of the 34-day trial approached, Alex faced a decision.
The past month had been transformative.
The constant, low-grade money anxiety had subsided, replaced by a surprising sense of calm and clarity.
The value was undeniable, but the cost was still a concern.
The solution, Alex discovered, lay not in pinching pennies, but in leveraging the power of the YNAB community and its built-in sharing features.
The Referral Engine
The first path to a free subscription is the referral program.
Upon subscribing, every user is given a unique referral link.29
When a friend or family member uses that link to sign up for a free trial and subsequently becomes a paid subscriber, both the referrer and the new subscriber receive an additional month of YNAB for free.30
The power of this system lies in its unlimited potential.
YNAB’s policy explicitly states there are “no limits” to how many free months a user can accumulate.
Referring twelve friends who subscribe translates to a full year of YNAB at no cost.29
For Alex, this became an immediate goal.
By sharing a personal success story with a few family members who were also struggling with their finances, Alex successfully converted two of them into subscribers, pushing the next renewal date back by two months.
For users who are passionate advocates for the system, the referral program offers a completely viable pathway to a perpetually free subscription.
Budgeting Together
The second, and perhaps more impactful, method involved reframing the subscription not as an individual cost, but as a shared household utility.
Alex and their partner, whose financial discussions had often been a source of tension, saw YNAB as a potential tool for unity.4
They discovered YNAB Together, a feature that allows a single subscription to be shared among a group of up to six people, each with their own secure login.11
This is not a workaround or a shared password situation; it is a core feature designed for partners, families, and other close-knit groups.32
The financial implications are profound.
An annual subscription of $109, when split among six users, drops the per-person cost to just over $18 per year, or about $1.50 per month.
This simple act of sharing transforms the cost from a significant annual expense into a negligible one.
Beyond the financial savings, YNAB Together fosters collaboration.
It becomes a neutral, third-party platform for financial conversations.
Partners can view shared budgets in real-time, track progress toward common goals like saving for a vacation or paying down debt, and understand the impact of each other’s spending without judgment.33
The app becomes the “unbiased source of truth,” reducing the friction and blame that so often accompany money talks in a relationship.4
The Corporate Perk
A final, though less common, path to a free subscription is through the workplace.
A growing number of companies and universities are incorporating financial wellness programs into their employee benefits, and some have partnered with YNAB to offer free annual subscriptions to their staff.34
A quick inquiry with a Human Resources department could reveal a valuable and often overlooked perk.
These sharing and referral mechanisms reveal a key aspect of YNAB’s business model.
By embedding the tool within a user’s social and familial networks, the product becomes exponentially “stickier.” It evolves from a personal utility into a shared platform for communication and collaboration, making it much more difficult to cancel and far more integral to the user’s daily life.
To clarify these pathways, the following table summarizes the primary methods for obtaining YNAB at no or low cost.
| Method | What You Get | Who It’s For | Key Takeaway | Source Snippets |
| 34-Day Trial | Full access for 34 days | Everyone | A no-risk way to test the complete system and experience a full budget cycle. | 11 |
| College Program | Full access for 1 year | Verified college/grad students | The most generous free offer available for building long-term financial skills. | 23 |
| Referral Program | 1 free month per referred subscriber | Current subscribers | A way to earn unlimited free months by sharing YNAB with your network. | 29 |
| YNAB Together | Share 1 subscription with up to 6 people | Partners, families, groups | Drastically reduces the per-person cost to as low as ~$1.50/month. | 11 |
| Employer Wellness | 1 year free subscription (typically) | Employees at participating companies | A potential workplace perk worth investigating with your HR department. | 34 |
Chapter 5: Beyond YNAB: Exploring the Free Budgeting Universe
While Alex became a devoted YNABer, it became clear that the hands-on, meticulous nature of the system wasn’t for everyone.
A friend, even more budget-conscious than Alex had been, was determined to find a truly free solution.
This prompted an exploration of the broader budgeting landscape, revealing that “free” often comes with significant trade-offs in time, functionality, or technical expertise.
The Freemium Path: A World of Limitations
The most common free alternatives operate on a “freemium” model, offering a basic, stripped-down version for free in the hopes that users will upgrade to a paid plan.
- EveryDollar: Created by financial personality Dave Ramsey, EveryDollar’s free version is extremely limited. It shares YNAB’s zero-based budgeting philosophy but crucially does not allow users to connect their bank accounts.35 This means every single transaction must be entered manually, a tedious process that makes it difficult to maintain an accurate, up-to-date budget. The features that make modern budgeting apps convenient—automatic transaction syncing, reporting, and planning tools—are all locked behind the premium subscription.35
- Goodbudget: This app digitizes the classic envelope budgeting system. Its free version is more functional than EveryDollar’s, allowing for manual transaction entry into virtual “envelopes.” However, it imposes strict limitations: users are capped at just 10 regular envelopes, one financial account, and access on only two devices.38 For anyone with a mortgage, a car loan, a credit card, and multiple spending categories, these constraints make the free version impractical for long-term use.40 Like EveryDollar, automatic bank syncing is a paid feature.41
The DIY Route: Power for the Programmers
For those with technical skills, a powerful alternative exists in the world of open-source software.
- Actual Budget: This application has gained significant traction among former YNAB users looking for a free, private alternative.42 At its core, Actual is free software that uses the same beloved envelope budgeting method as YNAB.44 Because it is “local-first,” users own their data completely; it resides on their own computer or server, ensuring total privacy.45
- The Trade-Off: The catch is in the setup. To sync the budget across multiple devices (a key feature for modern budgeting), users must set up and maintain their own server. For a non-technical user, this can be a daunting, if not impossible, task involving command lines, Docker containers, and server configuration.47 There is no official customer support team to call for help, only community-run forums and Discord channels.49 While services like PikaPods have emerged to offer simplified, low-cost hosting (around $1.40 per month) for non-technical users, it still represents a significant departure from the polished, all-in-one service that YNAB provides.44
This exploration reveals a clear spectrum in the world of budgeting apps.
The freemium options are free of cost, but they demand a heavy payment in time and convenience.
The open-source options are free of cost, but they require a payment of technical skill and ongoing maintenance.
Paid services like YNAB charge a monetary fee in exchange for freedom from those other costs—the freedom of automation, full functionality, and dedicated support.
The choice ultimately depends on which “price” a user is willing and able to pay.
Conclusion: From Scared to Spendful: The Real Return on Investment
Months after that first anxious Sunday night, Alex’s financial world is unrecognizable.
The Sunday Scaries haven’t vanished entirely, but their financial component has been surgically removed.
The feeling of dread has been replaced by a quiet confidence.
Alex is now, in the parlance of the community, “YNAB broke”—a state of being where the bank account might hold thousands of dollars, but the budget shows little available for impulse spending because every dollar has a purpose.3
It is a feeling of profound control, not poverty.
This transformation is not unique.
It is the story echoed in countless testimonials from users who have collectively paid off hundreds of thousands of dollars in debt, saved for homes, and eliminated a major source of stress from their lives.2
One user went from having $300 for emergencies to saving $18,000 and paying off nearly half their debt in one year.16
Another went from living paycheck-to-paycheck to saving $42,000 in a year, stating that YNAB “removed the stress of money from my life”.6
The initial “$109 Question” that seemed like such an insurmountable barrier is now seen in a new light.
The annual fee is no longer an expense to be dreaded, but one of the highest-return investments one can make.
The return is not measured in stock market gains, but in something far more valuable: peace of mind.11
It is the freedom to spend money on things that bring joy without a subsequent wave of guilt.
It is the security of knowing that when an unexpected expense arises, the money is already set aside and waiting.
This is what YNAB calls “spendfulness”—the ability to spend money in a way that is mindful, meaningful, and aligned with one’s values.6
Financial control is not a secret reserved for the wealthy.
It is a skill that can be learned, and the journey can begin without spending a single cent.
The various pathways to a free YNAB—the comprehensive trial, the generous student program, the community-driven referral and sharing models—are not just loopholes.
They are bridges, designed to guide users across the difficult terrain of financial anxiety to a place of clarity and empowerment.
The ultimate goal is not to become a master of spreadsheets or to restrict every purchase, but, as YNAB’s own philosophy suggests, to simply take back control.53
Works cited
- A Story Turning Small Expenses and Income into Big Dreams : r/budget – Reddit, accessed August 15, 2025, https://www.reddit.com/r/budget/comments/1kwufum/a_story_turning_small_expenses_and_income_into/
- I need to hear a success story from ynab users : r/ynab – Reddit, accessed August 15, 2025, https://www.reddit.com/r/ynab/comments/1lq0y6w/i_need_to_hear_a_success_story_from_ynab_users/
- YNAB struggles – Reddit, accessed August 15, 2025, https://www.reddit.com/r/ynab/comments/1jzf1r6/ynab_struggles/
- Fund Your Future Together – YNAB, accessed August 15, 2025, https://www.ynab.com/pain-point/manage-money-together
- 5 Unexpected Benefits of Using YNAB – YouTube, accessed August 15, 2025, https://www.youtube.com/watch?v=JxP3EjQWbEg
- YNAB, accessed August 15, 2025, https://www.ynab.com/
- How to Stress Less About Money: 4 Simple Rules – YNAB, accessed August 15, 2025, https://www.ynab.com/blog/ynab-four-rules-less-stress
- YNAB – Wikipedia, accessed August 15, 2025, https://en.wikipedia.org/wiki/YNAB
- The YNAB Method: ‘Give Every Dollar a Job’ Takes Center Stage, accessed August 15, 2025, https://www.ynab.com/blog/the-method-gets-an-update
- The YNAB Method | YNAB, accessed August 15, 2025, https://www.ynab.com/ynab-method
- Pricing | YNAB, accessed August 15, 2025, https://www.ynab.com/pricing
- YNAB Review 2025: Best Budgeting App for Detailed Money Management – CNET, accessed August 15, 2025, https://www.cnet.com/personal-finance/banking/ynab/
- My Experience Using You Need a Budget (YNAB) | Money Guy, accessed August 15, 2025, https://moneyguy.com/article/my-experience-using-you-need-a-budget-ynab/
- YNAB Price Increasing to $109 on August 1 for New Subscribers, starting on September 1 for Existing Subscribers – Reddit, accessed August 15, 2025, https://www.reddit.com/r/ynab/comments/1dsr77q/ynab_price_increasing_to_109_on_august_1_for_new/
- YNAB Pricing History 2016 – 2025 : r/ynab – Reddit, accessed August 15, 2025, https://www.reddit.com/r/ynab/comments/1ik8su5/ynab_pricing_history_2016_2025/
- Our Free 34-Day Trial | YNAB, accessed August 15, 2025, https://www.ynab.com/our-free-34-day-trial
- Your YNAB Trial, accessed August 15, 2025, https://support.ynab.com/en_us/your-ynab-trial-ry87vWAc
- About Those Two and Three Month Trial Offers : r/ynab – Reddit, accessed August 15, 2025, https://www.reddit.com/r/ynab/comments/e5igfg/about_those_two_and_three_month_trial_offers/
- Why is YNAB so hard? – Reddit, accessed August 15, 2025, https://www.reddit.com/r/ynab/comments/1jqgwig/why_is_ynab_so_hard/
- YNAB – YouTube, accessed August 15, 2025, https://www.youtube.com/@YNABofficial
- First 4 months of YNAB-ing as a grad student – Reddit, accessed August 15, 2025, https://www.reddit.com/r/ynab/comments/1957mu9/first_4_months_of_ynabing_as_a_grad_student/
- Added my student loans today : r/ynab, accessed August 15, 2025, https://www.reddit.com/r/ynab/comments/11gp5q7/added_my_student_loans_today/
- Claim Your Free Year of YNAB, accessed August 15, 2025, https://www.ynab.com/college/sign-up
- How to Join YNAB’s Free College Program, accessed August 15, 2025, https://support.ynab.com/en_us/how-to-join-ynabs-college-program-rkDd5VlC5
- Free YNAB for College Students, accessed August 15, 2025, https://www.ynab.com/college
- Free YNAB for a year! : r/ynab – Reddit, accessed August 15, 2025, https://www.reddit.com/r/ynab/comments/1hv392u/free_ynab_for_a_year/
- Free Subscription for College Students | YNAB, accessed August 15, 2025, https://www.ynab.com/blog/why-we-give-ynab-to-college-students-for-free
- The Best Budgeting Apps for College Students | YNAB, accessed August 15, 2025, https://www.ynab.com/blog/college-students-your-future-self-called-and-they-said-use-ynab-for-free
- Referral Program – YNAB, accessed August 15, 2025, https://www.ynab.com/referral-program
- What’s It Cost To Be You? – YNAB, accessed August 15, 2025, https://www.ynab.com/whats-new/whats-it-cost-to-be-you
- Try YNAB Free for 34 Days, accessed August 15, 2025, https://www.ynab.com/sign-up
- Subscription Sharing – YNAB, accessed August 15, 2025, https://www.ynab.com/features/subscription-sharing
- A Decade Into YNAB: Here’s Why My Wife and I Are Still Thankful, accessed August 15, 2025, https://www.ynab.com/blog/a-decade-into-ynab
- You Need A Budget (YNAB) | University Human Resources, accessed August 15, 2025, https://hr.uiowa.edu/livewell/work-life/financial-well-being/you-need-a-budget
- EveryDollar Review 2025: Best App to Fine-Tune Your Budgeting Skills – CNET, accessed August 15, 2025, https://www.cnet.com/personal-finance/banking/everydollar/
- EveryDollar App Review For 2025 – NerdWallet, accessed August 15, 2025, https://www.nerdwallet.com/article/finance/everydollar-app-review
- YNAB vs. EveryDollar: MoneyTalk – Budgeting – MoneyPatrol, accessed August 15, 2025, https://www.moneypatrol.com/moneytalk/budgeting/ynab-vs-everydollar/
- Goodbudget Review: A Hands-On Digital Envelope System – NerdWallet, accessed August 15, 2025, https://www.nerdwallet.com/article/finance/goodbudget-app-review
- Goodbudget: Budget & Finance – Apps on Google Play, accessed August 15, 2025, https://play.google.com/store/apps/details?id=com.dayspringtech.envelopes
- AN HONEST REVIEW OF THE GOODBUDGET APP FREE …, accessed August 15, 2025, https://www.alifeonadime.com/an-honest-review-of-the-goodbudget-app-free-version/
- Goodbudget vs. YNAB. Which budget app is for you?, accessed August 15, 2025, https://goodbudget.com/blog/2022/12/goodbudget-vs-ynab-which-budget-app-is-for-you/
- Cheaper YNAB Alternatives? – Reddit, accessed August 15, 2025, https://www.reddit.com/r/ynab/comments/1idcshy/cheaper_ynab_alternatives/
- 9 Best Open Source YNAB Alternatives in 2025 – OpenAlternative, accessed August 15, 2025, https://openalternative.co/alternatives/ynab
- Actual | Actual Budget Documentation, accessed August 15, 2025, https://actualbudget.org/
- Actual: Open Source Alternative to YNAB and Mint, accessed August 15, 2025, https://openalternative.co/actual
- Actual vs YNAB | Actual Budget Documentation, accessed August 15, 2025, https://actualbudget.org/blog/2024-07-01-actual-vs-ynab/
- Actual Budget vs. YNAB: A 3-month Comparison – Reddit, accessed August 15, 2025, https://www.reddit.com/r/actualbudgeting/comments/1fskay6/actual_budget_vs_ynab_a_3month_comparison/
- Installing Actual | Actual Budget Documentation, accessed August 15, 2025, https://actualbudget.org/docs/install/
- Actual budget Review – Important Things To Know – YouTube, accessed August 15, 2025, https://www.youtube.com/watch?v=bTQOP85w4kc
- actualbudget/actual: A local-first personal finance app – GitHub, accessed August 15, 2025, https://github.com/actualbudget/actual
- How can YNAB be so popular when you can’t budget in future inflow? – Reddit, accessed August 15, 2025, https://www.reddit.com/r/ynab/comments/1avdmd6/how_can_ynab_be_so_popular_when_you_cant_budget/
- Confession…I got a YNAB free trial and then forgot to cancel the trial so I got charged. I always think I’m going to start using it so I don’t cancel it. But then I don’t use it. It’s been like 7 months now. – Reddit, accessed August 15, 2025, https://www.reddit.com/r/ynab/comments/1bph15q/confessioni_got_a_ynab_free_trial_and_then_forgot/
- Learn YNAB’s Four Rules – YouTube, accessed August 15, 2025, https://www.youtube.com/watch?v=DceDsWXYcsM
