[aguynamedben]

YNAB gets around this in an interesting way with their "age your money" concept.

When you spend money, you aren't looking at your account to see how much actual money you have. You're looking at your budget to see how much money you previously allocated for a specific purpose.

The idea is that you are spending your "oldest" money, i.e. money that you earned 6 months ago. Any money that came in yesterday is just gravy and you'll budget that later.

In practice, transactions hit YNAB same day or next day for me. If you're wondering if you have money for something, you just pull up the mobile app and check the budget category. Unless you go on a crazy instant buying spree in a single category, there shouldn't be a problem deciding if you have money budgeted for something.