re: YNAB - Anyone use it

I've used it since 2015. There can be a slight learning curve but nothing drastic. I like how it gives freedom to move money around after you assign it. Auto movement for CCs and you can set up your mortgage to auto calc PITI assignments. Much more. I like it. Wife had Dave Ramsey's app for a bit and it was trash imo, expensive and limited in functionality. Mint no longer operates.