So a follow up on this. I managed to get at least the first response to a basic query using a personal authorization token.  The response is coming back as "unauthorized"  and I don't know why.  I used a personal token that is working correctly when using a google sheets template.  I also generated a new personal token and got the same response.  I used this command from the API website:

curl " target="_blank">https://api.youneedabudget.com/v1/budgets?access_token=<ACCESS_TOKEN>

any suggestions?