[sanderjd]

Personally, I realized that I was wasting a lot more in opportunity cost by trying to make all the various non-subscription solutions work for me (and writing my own for awhile), and I'm much happier now paying ynab a yearly pittance instead of spending all that time on something without much actual value to me. (And by switching to a subscription model they've been able to improve the product much more quickly than they were with the classic version.)