I’ve been a long-time Mint user and I’ve felt a bit gross about it for some time now. They essentially have more information about me than Facebook and Google combined (two companies I’ve already moved away from). I’ve been on a spirit quest for a long time for a solid money manager app without much luck. I wanted to pay for something ad-free. I’ve dabbled in YNAB a few times and now I’ve fully pulled the trigger thanks to Apple Card. Mint doesn’t offer an easy way to have a manual account like Mint does until there is some import option.
YNAB has improved greatly and almost has all of the features of Mint without any of the worries about how my personal data is handled. Immediately after letting go of my Mint crutches I felt so much better. I’m making some compromises but it feels worth it. They focus a little bit too much on a strict budget which is more finicky than I want, but as a net worth & spending tool, it works great.
Side note, super excited about my apple card. I don’t get cards often, but I love the iOS integration and dead simple cashback. Feels much better to me than chasing down ambiguous reward points.