Nice!

Yeah, the start is rough. It is something you need to get used to and in the beginning, you might not really see the benefits in the future clearly so it's easy to lose motivation.

But I guess you already looked through their stuff like The Four Rules and already know what I mean with "rough start" and "benefits in the future" :)

However, I don't really follow Rule 4: Age Your Money since YNAB sees me buying bitcoin as spending my money, haha

I had a free year sub as a student and that's when I got hooked. I think YNAB is indeed my first SaaS that I am willing to pay for. But you can track when your YNAB payment is due also within YNAB! :)