Anyone envelope budget / bucket budget? Seeking a way to replace YNAB
We use a checking account for spending each month and replenish it to a set amount on the first of the month. We actually spend about half of what our CFP and online tools say we can spend, so we don't worry about the details. If we have a major expense we tap into an investment account. We reevaluate our spending twice a year to make due our net worth hasn't changed what we're comfortable spending each month.