<prompt> Human: YNAB, Mint, etc?Im starting my first job at 72,000 after school. I want to track my spending and I heard someone say you can even have these sites auto bill for you?I always assumed mint was the best for people not investing a lot, which I wont be this early, but lately Ive been reading alternative opinions Thoughts?  <response>: Budget: Mint is free, give it a shot and if you dont like it, Ive heard good things about YNAB. Mints investment portion is pretty garbage, so if you do want to start, even just a little into a Roth IRA or your company 401k highly recommended, I like Personal Capital for that part its budgeting is much weaker, though, so I wind up using both.Bills: You can usually set these up with each of the bills you need to pay andor through your bank. I dont see a need for a separate bill paying service. 