<prompt> Human: I dont know how to make a budget. Im an educated graduate in a STEM major, but I dont currently budget. I want an academically rigorous way to save and protect my future income. Would 60 dollars be worth it to learn from YNAB?  <response>: YNAB changed the course of my financial future. I started this year with 37 to my name. I got EXCELLENT at living paycheck to paycheck, and would need to use credit for larger purchases. Since the start of this year, I was able to pay off 1k in a credit card, save 1k for trips, have gotten my IRA started, started a buffer to live on last months income, paid 1k to the IRS, and tons more. I feel in control and excited about my financial future for the first time. I went from 37 to a few thousand. So good! 