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I’ve used YNAB forever. It’s the partner sync that makes it work but the price has become prohibitive. Honestly if you can find an app that syncs work a second device and utilizes a flexible envelope style system, give it a shot.
Honestly, everyone else has it spot on with the retirement advice. Even people that are north of $10M net worth follow that same advice.
For personal day-to-day stuff I would recommend You Need A Budget.
This is a fantastic way to keep a budget.
If you’re a student, you can get one year free.
I’ve used YNAB forever. It’s the partner sync that makes it work but the price has become prohibitive. Honestly if you can find an app that syncs work a second device and utilizes a flexible envelope style system, give it a shot.