Love YNAB, although never upgraded to the web version from v4. I've heard some bad things here and there and not a fan of the monthly sub so I've stuck with the classic version.
Same here. YNAB (the rules and the app) is why I have a positive net worth. It was rough, but getting that 30-day buffer was an achievement I felt great about when I hit it, and something I'm glad I have every month I don't have to worry about which day each bill is due.