Doesn’t matter. They have a massive lobbying arm that keeps the US government from making taxes automatic. Unless that lobbying goes away (or politicians start caring about constituents which is much less likely), Intuit will continue making money hand-over-fist from tax software that it can use to fund other dumb shit like acquiring then closing Mint.
For me, the killer feature of Mint is that it connected to my accounts and aggregated all my transactions automatically. I cannot and will not input transaction data manually, so things like YNAB are absolutely useless to me.
I’ve never heard of any other app, free or paid, that can do what Mint can do.
It looks like ynab does do this now. I remember when it was just software on your computer, but it’s a full cloud app now (complete with $15/month price tag).
I’m on the hunt for a new solution, too. I may try it.
YNAB pulls in most transactions programmatically if you connect accounts. Some accounts don’t sync (eg Apple) and other accounts will only do an initial sync (most 401ks and loan accounts). I think the sync restrictions are a factor of the accounts themselves and not YNAB; I’d love to know if I’m wrong there.
YNAB does not categorize things for you. It’s a different approach where you define money buckets, assign funds to the buckets, and categorize transactions into those buckets. I moved over when Mint got acquired because fuck Intuit and I haven’t really put a ton of time into trying to understand the different paradigm, so I’m not sure I’m explaining it properly. I didn’t use YNAB before because the paradigm isn’t how I’m used to thinking about my spend.
Don’t start the trial unless you’ve got time to think about setting up your buckets and spending targets. Or, if you just want to test the import because you’ll make time later to set it up, it’s probably worth the trial. There is a “family” plan that allows an account owner to share things; I think that’s worth it if you’ve got some people you share financial info with who also budget and you want to keep costs down.
Premium: We allow members to choose your own price for Premium. You can choose on a sliding scale between $3-$12/month. The $3 - $5 options are billed annually.
A little late here - but I adore YNAB. I’ll talk about it all day but at it’s base it functions off of a digitized envelope system rather than trying to match projected inputs to projected outputs every month.
YNAB has the automatic uploads of transactions (and does try to guess a category for you but you do have to review and approve).
It is fairly expensive. Although the family plan works if you have anyone you’re open about finances with (or simply trust the family “owner” not to peek - like my younger sister decided to trust me not to look.)
The use of AI should be disclosed to readers “where appropriate,” the guidelines read, though, as with so much else, precisely where that line is drawn is left to the author.
I would appreciate a disclaimer like this, because I’m not interested in reading books written by AI. But that does beg the question of where to draw that line and where the distinction between authors using AI as a supplementary tool (e.g. to fill in a description of a room like the writer mentioned doing), and where the AI is doing big chunks of the writing itself lies. How much AI assistance to too much?
“Alice closed her eyes and sighed, savoring the moment before reality came back crashing down on them like the weight of an elephant sitting on them both while being eaten by a shark in an airplane full of ninjas puking out their eyes and blood for no apparent reason other than that they were ninjas who liked puke so much they couldn’t help themselves from spewing it out of their orifices at every opportunity.”
theverge.com
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