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    Personally, I think $60 to spend on budgeting software is incredibly ridiculous.

I wouldn't disagree. Ironic, too?

And it seems after reading about your personal finance system that you wouldn't need something like YNAB. As for the idea behind subaccounts, the benefit is completely psychological. I like to see my progress within each goal, but I guess you could do the same with an excel spreadsheet, so it's practically the same thing, huh?