Available vs. what I actually have
New to YNAB and trying to commit hard to it.
Every transaction goes into YNAB through my checking account and when I'm able to allocate a dollar or tens of dollars to a long term goal like a vacation I move that money to my savings account.
If my "Available" money was correct why does it match what I have in my savings account?
YNAB has the correct reconciled amount for my savings account. But the money I have for longer goals doesn't equal what I have in Savings.
For example, if I add all of the "Available" money I should have let's say $1,500 but in my savings account, I have $2,000. What do I do with that extra $500?
That extra $500 may be in the savings account, but it is budgeted to things you might not consider “savings.” This is actually the most optimal setup. Because of the way cash flow operates, you can likely keep a large percentage of your money in a higher yield account, and cash flow expenses out of checking as they happen.
Https://www.youneedabudget.com/the-relationship-between-your-budget-your-accounts-its-complicated/ is a very good read.