It sounds like you have a grasp on the program, but the philosophy seems to be lost on you. It's just meant that you'll have more 'buffer' to deal with unexpected crap if you're a month ahead, is all.
I don't really like how they're tracking 'age of money' or whatever in the newest version- I shelled out for YNAB 4 to avoid the monthly fee and couldn't be happier.
1) Save a month's entire spending, including investments. Leave it in chequing for now.
2) Sit on that little hoard of cash, and collect all income for an entire month, set to 'Income for Next Month' rather than 'Income for This Month'
3) After you've finished earning, look at your next month's budget and allocate stuff as you think it's going to go down. If it changes, you've got the money *in hand* to deal with the unexpected.
4) Continue ad nauseum.
Basically, all it is is being a month ahead on everything and always having that much in hand, just in case. If you've already got everything on point, then the only thing you'd really use YNAB for is the sweet, sweet charts and graphs and auto-categorization. I absolutely spend WAY too much time clicking the little pie graphs for ever-more-detailed breakdowns...
I have a problem :p