I spend a lot of time considering the healthy tension between an experience’s form and function. How one informs another is the first, and most important, decision a designer will make. While there’s no universally applicable formula, users crave the balance. This balance is the reason Instagram is addictive and ride-share apps have changed our social lives. YNAB is successful because the form (a digital experience built around a budgeting philosophy) firmly guides the function (healthy and informed budgeting habits). Cheers to budgeting bliss!
Budget available money where it’s “needed” most, then where it’s “enjoyed” most. 
Add transactions on-the-go to maintain an accurate budget you can trust.
Report for “Rule #4: Age Your Money”, a tactic to break the paycheck-to-paycheck cycle.
