Hello YNAB-loving Mustachians. I've been tracking spending with Mint for a few years now but honestly, have never really liked it. I agree that it is backwards looking. We are high income and have a good sized portfolio and a high savings rate, but still I feel like I spend too much and I'd like to reign it in, and am hoping YNAB can help motivate me. So I have finally started using the YNAB software I bought over a year ago.
One question I have is about investments and how to include them on YNAB. If I create a category called "investments" and allocate $ there every month (currently about 40% of our take home pay), won't it be seen by YNAB as an "expense" rather than as savings we don't intend to spend (as opposed to rainy day funds, which seem to be savings that will eventually be spent). Maybe I'm confused, but it seems that YNAB will then tell me I'm "spending" 100% of our income, when we are really saving 40%. Perhaps I should just enter the 60% amount into the budget, ignoring the invested amount and not including it at all? What do other saving Mustachians do?
Also, I have a credit union savings account that is not intended to be used for cash flow purposes, it's more of an e-fund/car replacement fund. I have not added that account to my YNAB budget yet. Is there any reason I need to? Sorry, I realize I should post these questions on the YNAB fora, but we are not new to the concept of a buffer, saving a large percentage of our income, and having no debt besides mortgage, and this seems to not be the norm over there.