Question about advice within help article "budgeting with a partner"
I am interested in the following:
"Scenario #3: Some of your accounts are shared accounts, and some accounts are separate accounts. Option A: Individual accounts feed individual budgets, shared accounts feed into a shared budget."
In the explanation, it says "This method requires you to have three separate budgets in YNAB, the shared budget and two separate budgets."
Does this mean that I actually create a new budget within YNAB with a balance for the joint account there? Or do I simply use categories to create a second "budget" for the shared account?
Because a YNAB budget is a distribution of the sum of money in all accounts that are part of the budget, it can be very easy for money to end up in the "wrong" account or the "wrong" category. This isn't an issue when everything is shared because there are no "wrong" accounts or categories when everything is shared, but when things need to be kept separated, then it can become an issue.