<prompt> Human: So Ive been a Mint user for a while now but am beginning to explore again to see if something better might be out there. I read recently a similar post, but am under the impression that YNAB takes a lot of manual upkeep. Im not against manual work to keep the budget in order, but want to be smart with how I spend my time and if there are better tools out there, I want to take advantage. Prism Money seems like a cool alternative, but I thought Id see what the wider world has to offer before I make a decision.Thoughts?  <response>: The impression is that YNAB requires a lot of manual upkeep doesnt actually measure the level of effort. With the phone app - the time involved to enter any transaction is surprisingly tiny, so while you may perform more tasks, the total time required is a lot less. Part of that is because youre entering transactions while everything is fresh - if you want to split a receipt into groceries and clothing its much easier to do right away rather than when youre staring at a stack of receipts a week later.Ive never had such a solid grasp on where my money was going with so little effort as I do with YNAB4. 