re: YNAB question...overspending for large purchases

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I don’t need a budget because I have self control to not put me in a jam.

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Who said budgeting was strictly for avoiding putting yourself in a jam?

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I don’t need to micromanage my day to day spending because I sacrificed when I was younger for a better tomorrow.

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You do you. I like having eyes on exact numbers.

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The future has come and it ain’t bright for the vast majority and now they want to cry. Well, that was their choice. I have zero sympathy.

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Wtf are you even talking about lol

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Well, I'm already a multi millionaire in my early 30s

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and your discretionary budget is 600/month.





EL




OH




EL

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I don’t need a budget because I have self control to not put me in a jam. I don’t need to micromanage my day to day spending because I sacrificed when I was younger for a better tomorrow.

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I hope this isn't piling on, but this is an awful take. Everyone is on a budget. Elon Musk is on a budget. Regardless of your "self control", a person might use YNAB to keep a good handle on things and figure out where spending might be too high or help manage ongoing expenses with spending goals, savings goals, etc. Some folks use it as a substitute for a check register.

Some do all of the above. Contrary to your implication that only financially irresponsible folks would use such a tool, my experience is that YNAB is a valuable tool to enhance an already stable financial situation.