<prompt> Human: My wife and I struggle mightily with keeping our financial affairs in order, so were researching options. Wed need something that has web access and sync across our devices, ideally. What do you - especially those who were one financially incompetent - to facilitate your money management? Mint? Clear Checkbook? Another? All suggestions greatly appreciated!Assistant: I like YNAB. Its been a life changer for me. Human: OK, thanks.  <response>: YNAB for me too. Paid off 28k in debt and actually have savings now in just over two years. Literally would never have happened without YNAB. I tried so many other tools and this is the one that really helped me change my habits. Its not about tracking, though it does that too, its about planning. 