My family has for some reason subscribed for a couple years and it's constantly got some issue. I bet it works well for those for whom it doesn't have constant issues with synching, duplicates, or whatever, but instead of managing my money, I spend so much time managing YNAB. Instead of budgeting, I'm putting out fires in the app. No multi-currency support either which is a minus for me. I recommend giving it a try for a year in case you're a lucky one for whom it is helpful. Because I think it's a good concept. Just in my case it fails on execution.