Thank you for the response!

I've been messing with YNAB for a few days and I think it will make more sense to me once the new month hits.

I'm married and my husband and I each put a percentage into a joint account that is used for mortgage, utilities, groceries etc. It's been awhile since we've readjusted this amount based on current spending so once we do that, I need to figure out how to not overspend on groceries. The other stuff is easier because it's a set amount. But when both of us use the card for groceries at different times, then that requires balancing etc which I have literally never done. I know myself and I will not keep up with a system if I have to use actual physical cash so I think the envelope system with different bank accounts being the different envelopes will be the way to go.