YNAB Review: Can a Budgeting App Earn Its Subscription?

A budgeting app is only worth paying for if it helps you keep more money than it costs. I tested YNAB with that question in mind: does it change decisions, or just make the numbers look nicer?What it does wellYNAB asks you to assign the money you already have to specific jobs. That makes upcoming bills and irregular costs harder to ignore. I found the strongest benefit was not fancy reporting; it was spotting categories where I was spending more than I intended and adjusting before the month end...