<prompt> Human: Okay so lets preface that I live and work in the Bay Area, and my SO and I would like to start saving for a house in 3-5 years; housing market here is nearly 1 mil for a 3br2ba single family. Together we gross around 350kyr but our spending is...excessive, which i realize will garner little sympathy. From our budgeting standpoint, its a lot easier to cut way down on spending than it is to find side gigs or otherwise increase income. Are there any budgeting apps out there that:1 are good for couples2 let you link credit cards and reflects the balance as a debit from my budget 3 allows the setting of monthly savings goals and finally and most importantly4 sends daily reminders of remaining budget, as an early morning burst of good ol fashioned guiltCurrently using Mint but finding it isnt really meeting our needs or all of the requirements above Thanks for your help, PF!  <response>: YNAB does all but the last one. You create one login that you can both use on your respective phone appsonline. You can link cards I prefer not to and the money is automatically removed from whatever budget category you spent it in to the card payment ie if I spend 30 at Sephora for beauty products, my beauty budget is reduced by 30 and that 30 is moved to the credit card payment line. You can set goals a few different ways - the two most popular methods being to save X per month or save Y by X date which then calculates how much to save each month and adjusts in subsequent months if you under or over save the month before.If you need a kick in the pants you can just ... open the app on your phone. 