What really makes You Need A Budget (YNAB) different is that it can help teach you how to manage your money and get ahead—for good. What if when your bills rolled in and instead of piling up, you just paid them? What if you didn’t even realize it was payday because you had money in the bank and weren’t desperate for that check to arrive? Maintaining an actual budget is a must for financial success and this is the tool that we recommend to all of our clients.