Jesse Chats with a Guy Who Has Never Used a Credit Card
The Jesse Mecham Show
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The Importance of Paid in Full
YNAB does more than double your work because you're double in the accounting work, the actual account. And then there's this layer of reconciliation work, not of the account, but of the two how they play together. YNAB is like trying to break it out. Like saying the credit card is not a bill. It's a transfer between two accounts. What you're actually paying for is groceries and buying clothes. You just happen to have the cash to pay it off. But the, but you are in debt just as much.
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