You are also paying for the aggregators, even if you have no intention of using auto-import. The new SaaS YNAB has always been of negative value to me, it took away some features that the devs felt their customers were "abusing" and it forces you to accept any and all changes to the software as they come. Once for each bi-weekly paycheck and also on the day the CC bill is due which is when I also update my "off-budget" accounts (retirement accounts, etc) which is nothing more than just updating their current balance. Once your budget is established, downloading your bank statement, importing, and assigning categories takes all of 5 minutes out of your day and I do it only a handful of times a month. Every time I'm on the YNAB forums there's ALWAYS a thread or mega-thread active about how the aggregator isn't working, or double imported and someone had to contact YNAB support to roll-back their budget, or they have to enter their credentials every time and it won't save them. Everything shows up and I just assign categories as needed and there is no random weirdness like you can get with automatic synchronization either. I simply download my bank statements in whatever format (Quicken, CSF, Money, etc) offered and import them into YNAB. As far as "manually entering transactions" goes, that's not required at all. Still on YNAB 4 myself, does everything it needs to do. When the model changed to subscription, we stayed with YNAB 4. We had YNAB 3 and were close enough to the release of YNAB 4 that we got it for free.
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