Been waiting 5 years for the Stealing From the Future fix...
4 mths ago
Reported - view
Thony YNAB is the plan for your money. You can always make changes to your plan and move money between categories.
You give every dollar a job. Some jobs are for spending now, some are for spending next year, some jobs, like income replacement, you hope to never spend. You should never have money without a job, except when it first comes into your budget and appears in To Be Budgeted (the big number at the top of the budget screen). If you end up with more money than you need/want in a particular category, you can move it to another category in your budget.