<prompt> Human: After much research Ive decided I want to start budgeting with the envelope method. I really need to take responsibility of my finances and am looking for software that can help a complete fool to appropriately budget my small income and large debt. So far Ive found MoneyWell and YNAB as top options for this, but Im very hesitant to dive into a product on my limited knowledge. All further searches are bogged down with marketing sites and false reviews, can anybody point me in a successful direction based off of what they know or have done?  <response>: I think YNAB is the top-notch budgeting program and wholly recommend it. 