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johnbudd1350 (johnbudd1350@poa.st)'s status on Friday, 19-Aug-2022 00:15:24 JSTjohnbudd1350 @elftummy @FF777 @mushroom_soup Yes, YNAB is exactly that method but electronic and easier to use. I agree about Ramsey too, he's a kook and I don't like him but it's undeniable that his method works for those in a lot of debt/bad with money.