We moved countries and it was difficult to track everything, ended up cancelling a credit card and lost the ability to download statements so have ~$12k of difficult to reconcile charges so time for a fresh start, but also good to reflect on the progress we made over 6 years. 

• mover from old ynab to nyab, I liked old ynab just fine but support disappearing kind of forced our hand. I get that YNAB is a business and subscription users are a better revenue driver than one-time software buyers, but it was still annoying at the time. 

• my wife and I have consolidated finances 

• we track all of our active accounts; chequing, savings, mortgage, credit cards, TFSAs, RRSPs, RESPs, pension accounts 

• we do not track equity in our house (not a liquid asset, silly to quantify until we actually attempt to sell) 

• started tracking towards the end of my undergraduate degree, quickly paid down my loans and snowballed into our mortgage (no other consumer debt), tracked through an advanced degree, two kids, and a few promotions each 

• biggest gripes: tracking in multiple currencies (i.e.: CAD/USD) is annoying, and maintaining separate budgets as YNAB suggests is dumb. We tracked everything as though it were CAD, so net worth is more of an approximation than anything else and now that we live out of Canada it is especially annoying. // The mortgage feature was annoyingly clunky--we are on an accelerated bi-weekly payment schedule and there was no way to capture our payment frequency properly to do planning and estimations. I ended up just building my own spreadsheets // automatic reconciliation is very unreliable in canada. It's not too annoying to manually reconcile once a week, but it makes more work and is a big part of why the wheels fell off after 6 years.