<prompt> Human: Ive tried my best to voice my concerns with the folks at YNAB about their new online only solution and have gotten nothing in response to it. At this point I feel like theyre ignoring anything that isnt positive about the new service and arent even trying to answer questions or concerns others have that arent gungho about it.So, I am looking at alternatives. Requirements:1. I prefer the envelope system to everything else but I guess Im open to other solutions at this point2. Local storage only, if its online storage, it needs to be zero knowledge3. Ideally it wouldnt be a subscription fee but would consider it if the application is great and they provide fantastic support4. Mac and iOS support are 100 required, I dont own a single computer running Windows.I dont need fancy stuff like auto-entry of stuff from my bank accounts, my bank is small and local, odds are they wont even support my bank anyway. Curious what you all can suggest. Edit: wow, gilded, and my first. Thanks so much kind stranger. Happy new year to you!Assistant: YNAB 4Human: I already use YNAB 4, it is EOL in a year. Looking for alternatives nowAssistant: EOL doesnt mean it stops working, it just means they wont further update it. If it works for you now, dont worry about it and keep using it for as long as youd like. The only thing that might stop working is Dropbox Sync; unless you religiously use the phone app, though, that shouldnt be a problem.Human: The problem there is that if it stops working my data is now stuck in an app that cant be used. If this were a game or something like that I wouldnt mind, but this is crucial data involved in life planning, not having access means losing a lot of very important information.Can it be rebuilt? Sure, but Ive spent a ton of time on this and I store business related expenses in it that I use for tracking at the end of the year for tax purposes. Finding all of those expenses again after several months have passed is going to be an incredibly painful experience.  <response>: Youre a software developer, right? Me too. So you already realize the importance and necessity of regular backups. Nothing is ever truly lost if youve got your backups.I poked around my .ynab4 save file which turns out to be a directory and a few levels deep found what appears to be my entire transaction database stored as a big JSON array. So boom, there you go. Should the worst happen and the app becomes unopenable, your data is easily recoverable via any of the hundreds of JSON interpreters out there. You may have to write a script or something to convert it into CSV format, but thats like 1 hours work for us. Bottom line, yes... someday you WILL have to migrate your data. But how will you spend that time? By spending months writing a new app from scratch today? By exporting and importing data between apps tomorrow? Or by recovering JSON data a decade in the future when Windows 18 breaks some critical backwards compatibility mode and YNAB stops working?Yes, it sucks that theyre going subscriptioncloud only. I hate companies that pull that shit, but I completely understand it from their revenue side of things. Personally, Im going to just keep using YNAB 4 until it no longer suits my needs, then find some other standalone solution. I wont be a cloud customer, ever. 