An enlightening and interesting way to go about your personal finances. I just picked this up because it was the new years and it sounded like a good idea and I was very impressed. I had not been aware of Jesse Mecham, the founder of YNAB and the finance platform that went with it, but after I read this I joined a few Facebook groups so I could keep up on this. I haven't invested in the software yet, but I am definitely tempted. This plan sounds a lot more doable then a lot of other budget plans I've read. I'd describe it but I don't want to butcher it. Just check it out! It seems easy to use and follow and has great results!