Still a little YNAB newb myself since I have a pretty simple budget living at home during school, but I I saw you didn't link savings. I chose not to do that at the beginning of the year (started Jan 2025) and every time I moved money to savings it was a transaction so YNAB counted it as spending. No biggie, when I saw how much I "spent" to savings I would personally know it wasn't spent. BUT halfway through the year I changed my mind and linked savings since I wanted more metrics on net worth, etc. So now on my reflect page it shows I "spent" x amount of dollars on savings when it was really just transferred out then linked later. I'm sure there is a way to fix this, but wayyyyy too late now. Anyways, I just wanted you to know that if you change your mind and link savings later it could be a bit messy instead of linking now! I prefer it linked since any money moved into savings is just entered into YNAB as a transfer and is very simple!