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1 year agoSame here. YNAB (the rules and the app) is why I have a positive net worth. It was rough, but getting that 30-day buffer was an achievement I felt great about when I hit it, and something I’m glad I have every month I don’t have to worry about which day each bill is due.
Before I took economics in college I would have downvoted you. Price ceilings don’t solve the problem.