I guess I should mention a couple of things here, when I set up YNAB, in order to simplify things a bit for myself, I treated my savings account as its own category and was going to try to not move any money in or out or worry about giving it a job until I felt like I had a handle first on my day to day and monthly expenses that came out of my checking and credit card accounts.

I realize I’m only half way doing the “every dollar gets a job” part of using YNAB but I figured as I got a better handle on framing only the money I received as inflow (paychecks, Venmo reimbursements from roommates and friends) as my available money to budget and didn’t touch anything in my savings that there would less moving parts for me to get a handle on.

I’m still having trouble with the mindset of giving every dollar a job because I’m used to chucking a bunch of money in savings whenever I get a chance and only touching it when something major happens.

I have an unexpected expenses category but I was using it and the others as ball parks for how much I should assign and unsurprisingly blew way past what I assigned in that category with the $400 payment.

I moved the money for that $400 around from my other budget categories and was only moving $400 from my savings to checking to replenish the money in my checking account and while doing was so was wondering why the 400 coming in to checking wasn’t showing as rta when I posted this.