The idea of YNAB (I'm a paying user) is that learning to budget your money effectively with their app and methodology pays for itself tenfold.
Think about it: if you are from the Western world, how many $10 do you waste each month? I spent $20 for pizza yesterday. How much money would you save if you could budget effectively (and get yearly discounts to all your subscriptions instead of paying monthly, for example?) How much is it worth it to you to get out of debt and increase your net worth by avoiding surprise bills?
I gladly pay the $100/yr to deal with my finances, especially now that I'm broke and with negative income.
Think about it: if you are from the Western world, how many $10 do you waste each month? I spent $20 for pizza yesterday. How much money would you save if you could budget effectively (and get yearly discounts to all your subscriptions instead of paying monthly, for example?) How much is it worth it to you to get out of debt and increase your net worth by avoiding surprise bills?
I gladly pay the $100/yr to deal with my finances, especially now that I'm broke and with negative income.