For years I used YNAB and encouraged family to use it too

Then I got into FAANG and switched to buying whatever I want and fully pay off credit cards every month

UNTIL my wants got bigger and bigger - last minute vacations, concerts, a lot of “experience” stuff coming out of covid lockdowns

And now, RSUs are down , I spend more than I bring in each month, started drawing down on cash savings - YOLO - still driving a Camry though

I need a budget again