I've read bits and pieces about YNAB for quite some time here on MMM and elsewhere. I am still trying to wrap my head about whether it will be useful to our lives, worth the cost, and most importantly, worth the effort.
DH and I have always been savers and keep a large cash buffer always. So we have never worried about having enough money to pay the bills. We're pretty frugal too and have never had any debt other than the mortgage. I admit we are rather bad about tracking spending. We have given it a few half-hearted attempts but that's it. We put a large chunk into savings all the time and whatever's left, we just spend and when it accumulates into a larger number, we move it to savings. I would say we save roughly 40% of our household income. The only thing we currently track (annually) is our net worth.
We are working towards FIRE (paying off mortgage next year wooohoo!!) and am wondering if more conscious tracking and budgeting will be helpful for us. YNAB sounds amazing for those in debt...just not sure about it if you are overall feeling good about your finances.
I'm worried about the tedium of regular entries. I like running numbers, but only a few times a year. The thought of daily entries is making me cringe a bit.
I would love to hear more from Mustachians, particularly those not dealing with debt and have a decent financial cushion.