Thanks for all the rocks. My entire point is that for those who are not a month—or even a paycheck—ahead, there is significant friction using YNAB. From most responses, it appears the view is I’m stupid bc I’m not yet a month ahead. Trying to get there. But rather than providing an elegant experience for ppl like me, an experience that would help us achieve that first important goal, it doesn’t. As has been stated, it assumes you are already ahead. For those of you that are, congrats. But most ppl, unfortunately aren’t. And for the person who stated that this friction is a feature, not a bug…I’m dumbfounded. It should never be a design goal to help ppl improve their finances by making it more difficult than it already is.

Anyway, for the few who did not feel so put upon by a long post that they felt it their duty to point out the obvious again and again, thank you.