https://ynab.com/referral/?ref=k5c9B1AEkB5XPeyq&utm_source=customer_referral

Happily been using YNAB now for 1.5 years, and I've got my husband on board and my brother-in-law too. It's helped us finally move out of the paycheck-to-paycheck cycle and start saving up for some major goals like an upcoming child (!) and setting up a home gym in our garage without having to go into any debt. We've also been able to finally build up a small emergency fund, and plan on bulking it up just in case because with this ongoing COVID-19 situation, it's really hard to tell how secure our jobs are these days. As for my brother-in-law, he was doubtful at first to add another monthly service as he had been canceling all his subscriptions to try and get ahead of debt. Now he happily subscribes to YNAB and is working on becoming debt free and is finally able to be more in charge of his purchases and know what we can actually afford to buy.

I'm happy to help answer any questions. My referral link is above and feel free to DM!