I think YNAB is great not only because of the app itself but also due to the entire education system they created around it with the live webinars and all.
Unfortunately the move they made to change to a subscription based system is not OK from my pov. so I'm still using the classic version, haven't switched to the new one. Good post!
btw. You got to the TOP 10 trending posts on Steemit so I've added it to the Flipboard Steemit Trending Magazine for everyone to see it.