Okay folks, Can i jump in here and ask a ynab question too?
I'm thinking of bailing on PersonalCapital, which I've been using since October to track transactions and look at investment accounts. It's been good- the analysis software is cool, but since I'm fairly comfortable with allocation and expense ratio tracking I'm doing elsewhere, the main power has been the expenditure tracking with categories, etc. and that can be a little weak/inflexible.
But, one of the main reasons I want to bail is that I'm feeling a little paranoid/exposed re: the online account info (perhaps irrationally, but the hacking stuff seems to be happening a lot), so my question is- does YNAB exist on my computer (like a whizbang spreadsheet I own), or is it uploading/syncing through their site (like mint/personalcapital)?
The way I figure it, I'm exposed more if hackers target Mint or PersonalCapital and I'm in their database, while they would need to single me out and hack my computer to get the YNAB files on my computer which is super unlikely. (Am I being crazy?)