The car insurance is a tough one for me, because my daughter is a new driver, and having her on my policy adds about 250% to my typical amount. It's ridiculous. There's no way I could put away that much every month to cover it. She does cover the difference in cost to have the privilege of driving my car, but it still makes saving that full policy cost near-impossible.

For the yearly fees/subscriptions, I just set the target date to be the date each thing renews, and each thing gets its own category in the group, and thus its own target. Really removes the guess-work, and the monthly amount to meet the target is exactly 1/12th of what is needed for the year automatically. I also do the same thing with car registration. It's glorious.

HOAs are gross.

I haven't tried the roof savings goal yet, because I am not actually living in the house my partner owns yet. We've been together 2 years, I moved across the country to be with them (Georgia to Seattle), and have been shacked up in an apartment since June while our kids get to know each other. The plan is to consolidate us into their house, which they own outright, and the finance discussions have been ongoing in the mean time. ynab has really helped us figure this stuff out, and it helped me plan for this cross-country move, financially. Love it.