I definitely appreciate the YNAB philosophy, so I have a month's buffer in my checking account, more or less. That said, I'm too much of an accountant to be happy with YNAB's "blind spots" when it comes to non-cash and investment accounts. Everything goes in Quicken, with automatic transactions set up as scheduled entries. I just check them quickly against the bank website every week when I empty my home inbox, pay bills, etc.