I've been using YNAB since last december and it's really made a difference in my life. Do you use the new YNAB or the classic? I go with the classic. It's more work to enter in all of your transactions manually, but I find that in doing so you gain a better perspective on your budgeting activity. Also, if you're interested in the topic on building wealth have you heard about Mr. Money Mustache's blog? That also changed my perspective on the issue greatly.