Money is difficult to track and with various avenues for it to come, go, or just sit, its simply going to a complicated piece of software that will get it right. Even with a fairly good handle on budgeting and my own finances, I still spent the better part of 7-8 hours the first day I got it installed figuring it out. Personally I like YNAB program but it does require dedication on a day-to-day basis. I do believe that most of the positive reviewers are short-term users. We felt safe making the investment b/c you can get your money back if you don't like it. I'll have to update this review in a few months to see how we're still doing with it, but we just reached the end of month one and I can say that I am excited! I've made YNAB Pro a partner in my efforts to become debt free and financially independent. While I have a way to go yet, I just cannot express in words the sense of freedom and the level of stress reduction I have come to enjoy in my life in the six short months I have been using the software.
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