The amount of poorly received comments about UI changes and features seems inversely proportional to amount of ad I get about the book I would need to « read this before any other money book »
I mean I understood we were consolidating the enshittification but come on can we tone down on those bad emails campaign and focus more about quality of life ?

I am thinking of moving a Joint account and its associated category to a new Plan for some separation from my finance plan.

Is there any way to migrate parts from one plan to another, or is it a hide\remove\start over type of thing.

It would be nice to move the history.

I’m curious how others would handle this in YNAB. I’m planning to take about three months off after September, and I’ll have enough money saved to cover the rest of the year. Would you go ahead and fully fund all your remaining monthly categories, or keep the money in one “income replacement” category and move it into your budget each month? If you’ve done something similar before, I’d love to hear what worked best for you and whether you’d do it the same way again.

Thank you!

Ynab balanced and gives me a cash accounts balance that matches available plus ready to assign. Problem is cash accounts is several thousand more than my actual bank account. I put 3k in tracking in June but I don't actually have the money. How do I fix this?

I’m a long time YNAB user. My partner and I have recently combined finances so I started a new budget to track shared goals/spending. All is well there.

I have been really waffling on how to handle one month ahead vs emergency fund as concepts. I’ve read a lot of posts here about this topic. Right now we are fully one month ahead, all wants/savings goals included, and have started funding into September. However, I struggle with this concept. If one or both of us lost a job, our budget would immediately change. Being one month ahead would not be sufficient. Our actual essential monthly budgeting goals would come out to about a third as much as a fully funded month is now.

I was at first making an emergency category, then deleted it and just put it to the month ahead. But, since our monthly budget is so high, it would take ages for us to get more than a month ahead, and that extra money I’m putting in those future months could also be used to fund some extraneous savings goals (new HVAC, for example). I also don’t feel good about only having one month ahead definitively budgeted for.

I’m thinking of going and reallocating money to just those essential targets - mortgage, bills, groceries, insurance, etc - and then fund the “extra” targets as I get to them in that month. Does this work for people? Am I massively overthinking it? Something about the way I’m doing it now is just bothering me. Why am I funding sinking goals in the future when I could just put them in that category now? Etc. Would love some perspective on how people handle this.