I do a fresh start every year so I can see the year was 2015. Before ynab I used Mint while in college. There were mutliple small things that I wasnt liking about mint at the time, and I was now the breadwinner adulting while my other half was still in school. I happened upon ynab when it was transitioning from ynab4 to new ynab.

While ynab has good charts, I just love having a spreadsheet which has dynamic charts for utility bills, helps me see if my investment allocations are straying, and breaks down my ynab transactions via memo lines. I’m the kind of person who believes a spreedsheet can help solve any problem 😅