YNAB is the budget app unlike no others: the only one I've found that really embraces the envalope system and helps make living wihtin a budget easier and more personal. They also offered great training When version 5 was announced I was super excited. And when I read about features, such as goals, I was sold.
But there's one thing about it that I hate for everything:
It's a web app.
I hate doing important work through a web browser. Forget about security, it's a focus thing. Thinks are more cluttered in a web browser, and it's easier to shift focus into somethign else. Hootsuite never stuck becasue of this. When I used a CMS daily, I hated it too. I've used Fluid, which helps, but nothing like a standalone application make for the operating system.
Alsdom I would rather keep my data on Dropbox, which has two factor authentication, instead of a new web service. I have no reason to doubt YNAB will deliver, but the first 24 hours was brutual on the servers, so it makes me a little worried about other bugs and holes that may exist. Also, turning it from a one time fee to an annual or montly charge is a little crazy, I don't see what paying montly will offfer and defeats the purpose of saving money.
I'm going to give it a try to see how the new version of the app goes, but am pretty skeptical. Let's hope it can wow me just like the first version of the app did.