But yes, I am. They can't be perfect all the time. I'm sorry Jesse and the YNAB team... but there is one glaringly HUGE FLAW in the default YNAB budgeting categories.
The default budgeting category groups and categories are the following:
- Bills
- Rent/Mortgage
- Electric
- Water
- Internet
- Cellphone
- Frequent
- Groceries
- Eating Out
- Transportation
- Non-Monthly
- Home Maintenance
- Auto Maintenance
- Gifts
- Goals
- Vacation
- Education
- Home Improvement
- Quality of Life
- Hobbies
- Entertainment
- Health & Wellness
SAVINGS! That's right! There's NO SAVINGS category group above. No Retirement Savings, No General Investing, no Mortgage Principal Pre-Payment, no College Savings.... COME ONE YNAB!?!? Savings is one of the entire reasons for budgeting!
People in the United States are chronically not saving enough for retirement. Savings, Retirement, Emergency Fund, etc should be DEFAULT categories under a master Savings Category Group to get people thinking about doing it if they aren't already. Now I know people can edit it and add budgeting categories to their heart's content but Retirement Savings and Emergency Fund should be a default option in YNAB. Ok. Rant over. You may now resume your normal activities.
