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AFTER the learning curve, I spend less than 5 mins per day in it. On payday I spend maybe 10-15 mins.

There is a learning curve though; you have to think of money differently and that's a process. However, YNAB has no-joke changed my life. I don't stress about money. I know where it is. It's the best thing I've ever done for myself and my future.

I spend my money daily, it makes sense I should spend some time PLANNING my money daily. Can't recommend it enough.



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