As you can tell by its name, YNAB (You Need a Budget) makes no bones about the fact you need to manage your money rather than the other way around. The popular program, which started life more than a decade ago as manual-input desktop software, is now a subscription-based web app that can sync with your financial accounts. Despite some cosmetic changes over the years, YNAB is still adheres to its four founding principles:
1) Give every dollar a job—Each dollar that comes into your life should be allocated to a specific purpose: to pay your rent or mortgage, to fund your retirement, even to buy that latte that helps get you through your morning commute. By telling your money where to go and what to do, you discipline your spending.
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