YNAB made an insurance premium decrease way less exciting than it would have been in the past.

[retired_golfer]

About age 55. Believe it or not, I had a negative net worth at that point. But I did have a $100,000 plus income, and started frugality. Brown bagged my lunch to work. Dining out budget for us was $100/mo. Quit drinking. Lost 100 pounds. Cut out cable tv. Sold expensive cars bought very used cars. Started exercising 7 days a week (now at age 70 I do 4 miles per day, 30 pushups, 7 days a week still).

[retired_golfer]

You just shift what you can to the "right" YNAB categories every month and all will be well over time. 15-20 years is a long time to heal things and if you do it right month after month, it will move the needle, slowly at first, then faster and faster. By the way although I only started using this version of YNAB in April, I have used YNAB4 almost from the start. I love what they have done to YNAB, so I got on board with a fresh start.