I signed up again for YNAB. I had done the free trial back in 2016 or 2017 and was throughly confused so after the free trial I let it go. I've been looking for something to replace Mint & signed up for Credit Karma, but I haven't been impressed. I have an account with Empower, but don't care for how they are always trying to sell me their services. I guess that's fair since the service is free. They have to make their money some way. So, I decided to try YNAB again and to my surprise I qualified for another free trial. So far, so good. I feel like they've improved some things as I'm not quite as confused as I was last time. There's still a learning curve, though.