This is me about to buy stuff at the Apple Park Visitor Center

How I Finally Got Control of My Money

Duncan Riach
11 min readSep 20, 2020

“I have to thank you for something,” my therapist said to me as we were about to sign off at the end of a session.

Surprised, I asked, “Oh, what for?”

“For YNAB!” she said, “It’s amazing.”

Apparently, because I had kept excitedly talking about it during our sessions, and telling her about how it was transforming my life, she had gone ahead and spent all weekend learning how to use it.

Wait, Is This an Advert?

Before I get started, I want you to know that this is not an advert. I’m not affiliated with the company that makes this product. I get no kickback for producing this article. I’m not even going to give you my affiliate link which, if you used it, would lead to me getting some free subscription time.

I would however love to have an opportunity to invest in this company. I think it’s really well run, and the employees seem to be deeply engaged with their work. But it’s a private company, and that option is not available to me right now.

I’m writing this article simply because I want you to benefit in the ways that I have.

What is YNAB?

YNAB stands for You Need a Budget. You just read a very dirty word: budget. But don’t stop reading. If you stop…

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Duncan Riach

Top Writer. Self-Revealing. Mental Health. Success. Fulfillment. Flow. MS Engineering/Technology. PhD Psychology. duncanriach.com