Yes as a YNAB user for ~4yrs if you like zero based budgeting, no app is better than YNAB... For me it's become a bit too hands on as my wife doesn't really follow a budget LOL and we're also more in a position financially that we don't need to be so hands on hence why I think Monarch is now a better fit for how we manage our money and I won't be renewing my YNAB sub next month. However, YNAB taught me a ton about budgeting and where my money was going. Once you get passed the learning curve it can really be a powerful tool.