<prompt> Human: Hi, I am curious if theres something Im missing about YNAB. Its highly praised here and Ive read a lot of people saying it changed their life.I started reading Personal Finance a few months ago and got into savingbudgetingtracking. I tracked my expenses for awhile in an excel sheet, made some expense categories, looked at how much I was spending where and made a budget after a month or so.Now I use a free app Money Manager, input my categories for my budget, the monthly allowance for each category and enter in every expense I make as I make them. When I enter in an expense, such as a latte I just bought, my Coffee budget for the month will update and show I now have 20 remaining for Coffee for the month.Is this the same concept as YNAB? Whats so revolutionary about it, and why does it deserve a 50year fee?Thank you!  <response>: Use whatever works for you! I have the old version of YNAB paid once and thats it. I mostly use it to visualize all accounts all at once.I personally wouldnt pay an annual fee for a glorified Excel spreadsheet though.. 