<prompt> Human: I may have missed some things on the website or maybe it is just vague enough, but how does YNAB work? I understand there are 4 rules along with linking your bank account and all that jazz. It just doesnt seem like enough information for me. Second, is the app worth it?  <response>: Its a digital envelope system with an app, import OPTION I manual enter, import is not required, and bank accounts reconciliation so important.It changed our financial lives, and we were debt free, frugal, with savings when we got it. The clarity of knowing what job every dollar has made us realize our goals so much faster with less stress or feeling deprived. 