re: I'm a YNAB geek.

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ETA: I won't disclose how much we spend on animals. Hell, I'm scared to look.

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If you can afford it, it doesnt matter.

My point was that there are a ton of people that are just getting by spending ridiculous amounts of money on pets. If you make $100k and spend $10k on them, you just have different priorities. If you make $25k and spend $10k, its part of your problem.

When you get out of the paycheck to paycheck mentality, it dominoes everything. That's what YNAB does better than any other software. It's not for everyone, but if you take the time to learn it and see how it works, it's a game changer.

However, it takes time and patience to really see it working, and the attention span of most people does not allow for it.