u/Dismal-Use7588

I prefer to enter manual transactions into YNAB.

I’m now considering spending money all over town in small transactions from various accounts (joint, checking, saving..ETC) just to become more proficient at budgeting.

I’m also thinking about opening a few complicated financial accounts (credit cards, HELOC, maybe liquidating some investments) so I can really “master the system.”

My goal is to become more disciplined at using YNAB, my partner thinks this is a bad idea but if I know how to use the app sooner then I'll be more competent faster.