I signed up for YNAB in Jan 2021 & it wasn't until I started working with Coyote in Nov 2021 that I began to understand how to make it work for us. It took many weeks, with his help, to get our finances sorted. With Coyote's calm & steady guidance, I was able to break through a huge learning curve, get out of panic mode, & truly have the control of our finances like I always dreamed of. If you are needing guidance on YNAB, Coyote will get you where you want to be!