<prompt> Human: With Mint, you can:-budget for expenses that recur monthly, annually, or every few months-budget for one-time expenses up a year in the future-set goals for the future and see if you are on track with your contributionsYet Ive seen many PF users say that Mint is only good for tracking past spending while YNAB is good for planning future spending. What does YNAB do that Mint doesnt?  <response>: Because people are really stupid. People dont understand that You Need A Budget is simply planning future cash flows. I accomplish the same thing for free with Mint, PNCs virtual wallets Checks written feature, and a spreadsheet I use to assign jobs to my money.Best part? I dont have to log into my phone to log every transaction I make. My credit cards report my transactions to Mint. Once or twice a week, I log into Virtual wallet, and move money out of my spending account to a reserve checking account effectively covering my liability incurred on my credit card. The remaining balance in my spending account is how much money I have left until the next pay day. Once the statement posts, I move the statement amount to my spend account, and pay the credit card. PNC Virtual Wallet is an incredibly awesome checking product. 