YNAB, or You Need A Budget, is a personal budgeting software designed to help individuals manage their finances effectively. It encourages users to allocate every dollar they earn to specific expenses, savings, or debt repayment, promoting a proactive approach to budgeting. The software is available on various platforms, including web and mobile, making it accessible for users on the go. The core philosophy of YNAB is based on four simple rules: give every dollar a job, embrace your true expenses, roll with the punches, and age your money. By following these principles, users can gain better control over their financial situation and work towards achieving their financial goals.