I've been using the old (non-subscription) YNAB for years. There is something about hand-entering transactions that really helps enforce mindful spending, which is useful no matter what your net worth is. The phone app makes it super easy, so it takes far less time than I used to spend fixing errors in auto downloaded transactions. A task which I dislike, because it is a pure time sink with no redeeming value.
I also find YNAB to be useful for lots of things besides budgeting: spotting and fixing spending trends, handling different savings pots easily, keeping track of business expense reimbursements, and recording tax-relevant items. And it's so easy to reconcile accounts. None of these functions work as well in Mint or Quicken. They both have the famous Intuit user interface problems, which easily double the time it takes to do anything compared to YNAB's simple, clean design.
I'm not happy about their subscription model, but if YNAB 4 ever fails (fingers crossed it stays functional) I think I'll hold my nose and buy it. But, I will NOT be using their auto download feature!