I think I know exactly where you're hitting a roadblock, because I was there too when I thought I'd actually figured evertying out!
If I read your post correctly, you're saying you've already established your emergency funds. That is great news. So if that's the case, then you shouldn't be worrying about budgeting through to the end of this month! If you've got emergency funds, then that means your expenses have already been accounted for the next 6 (preferrably) months out.
So are you making an actual cagegory on your budget that's just like "savings" or "emergency fund"? If so, you actually handle those a little differently in YNAB (or at least I do), and don't need those budgeting categories. They're kind of already built in, in a way. Here's a quick and easy example as if you only had two categories a month for $100 (lol).
You know that you pay $100/month for food and $100/month on gas. And you had $500 in your budget. A lot of people want to assign it to categories set up like this, assuming you start from $0: *Food: $100 *Gas: $100 *Emergency: $100 *Savings(goals/investments): $100
Well, the problem there is two categories arent' really assigning the dollars to any jobs. Think about it... What expenses or other budget categories are you going to spend those emergency funds on? Maybe the person w/ the budget above wants 6 months' worth of expenses for emergency funds. Instead of saying "my emergency fund account has to have atleast $600 just for food... and then another $600 for gas. So I need a total of $1200 in my emergency fund category" your *actual goal would be *"I need to assign all my dollars towards the food and gas accounts until I have $600 in both of them.
Same with savings. Don't set up a $200 savings category, because you've set aside $100 for an investment account deposit and $100 for new certains. Make an actual "investments" category and "home improvements" category, then put $100 in each of those.
There shouldn't be a basic "savings" or "emergency fund" categories at all. That is not giving a dollar a job. Putting a dollar in a categorey that's already funded enough for five months' of expenses IS, however, giving it a job. That's the core fundamental of YNAB It sounds like you already get that, but just need to get it set up in the software correctly.
So for the above budget, in the spirit of YNAB, you would would assign the $500 more like this: *Food: $150 (now you have 1/2 a month of emergency funds for this category) *Gas: $150 (1/2 month emergency fund here too) *Investments: $50 (It's just another expense, to us. You're half way to having enough saved up). *Home Improvements: $50 (same as above.)
If they were 100% accurate on their expenses, and made another $500 the next month, then they'd do this for month two:
*Food: +$150 new income, $50 left over from last month, giving a new total of $200 in the category (now, up to TWO months emergency funds). And so on, for the other accounts...
So if you've got six months of emergency funds, you would've already budgeted out for the current month a long time ago. If someone is really doing so well with their net worth that they're thinking "ok well this is kind of stupid, because now I have 26 months worth of expenses in my "toilet paper" category," you would be right to say that. You'd want to cut off adding $ into those accounts (except refilling what you spent per month), and start putting 100% of your funds into other investments/property/etc.
"Age of money" is kind of a gauge of how the system is working for you, and if you're finances are getting better or worse. Pretend you still used the budget, but you liquidated every dollar you had into $1 bills. They were kept in one giant tall stack, where you'd pull them from the bottom when you needed them. 30 days old means that today I'm pulling dollars from the bottom that were at the top of the stack 30 days ago.