YNAB (why-nab), or “You Need A Budget,” is a multi-platform personal budget program. Launched in September 2004, YNAB has grown and evolved in its 16-year history. Today, it is available as multiple apps – from your cell phone to Alexa and the Apple Watch – and teaches users how to prioritize and plan through a proactive system (one that plans for every earned dollar). YNAB claims that new budgeters save approximately $600 by their second month and more than $6,000 across the first year, all via real-time information, debt paydown features, goal tracking, graph and chart reports, personal support and a top priority of security.