By having all of these categories under one umbrella, I can easily toggle them on and off in the reports. For example, typically when viewing theYNAB Toolkit“Income vs Expense” report, I turn them off, so that I can see my true cash flow. When I check my “Spending by Category” ...
Whenever we get a windfall (tax refund, stimulus payments, etc.), it goes straight to the Income Replacement category and I know exactly how far that money will go. It was pretty scary for my husband to quit his full-time job right after we had our baby but YNAB showed us exactly how...