Did you know YNAB has guide books?
I am posting this because when I first started YNAB, they were the intro to the 4 rules and found them very helpful in understanding the YNAB method. Since the website remodel (not sure how long ago it was), the guides have become harder to find and not so obvious for those new to YNAB.
If your new to YNAB or have never found them, I would suggest starting with Prioritize.
The full list of guides can be found here.
Especially for those struggling to understand why does YNAB do this thing, the guides can help better understand the reasoning. Most of how YNAB works is centered around the philosophy in the guides.