Just want to give an alternative perspective on giving a program like Mint your online passwords. There is risk to this, sure. You trade this risk for a gain in increased security by means of higher and more frequent surveillance. You enter a PIN on your phone and you can scan all your accounts (some 20 for me), and easily find fraudulent activity and take action against it. Can you say you check all of your accounts every day for fraudulent activity?
I'm not sure it's rational to fear a mint data breach. They have bank level (or higher) encryption. If someone has sophisticated enough ability to penetrate mint, they could just as easily breach wells fargo, chase, etc. They'd already have all your information. If someone steals your personal device, they still won't be able to access mint - or they would be just as likely to figure a way to access mint from your laptop than your actual bank account info.
So in my mind, little is actually lost with mint.com in terms of security, and the gain is increased surveillance. You might just be safer giving up your passwords :-)
Just an alternative perspective.
Also, I have YNAB 4 and use it for the purpose you describe. In my opinion, nothing beats the YNAB method. My above diatribe on mint was not an endorsement. Mint is ultimately an advertising platform that can do budgeting. YNAB is hardcore zero-based budgeting FTW.
However, I'd trust mint's security over YNAB's.