Cash only for 90 days, or tracking app? Two coworkers at lunch made opposite arguments

One guy at my job swears his $8 envelope system killed his $3k credit debt in 5 months, while the other says apps like YNAB did the same for him but with zero shame when he slips. I'm torn because cash feels real but I lose receipts, and apps give data but I ignore alerts. Which method actually held up for you when life threw an emergency at you, not just the routine stuff?

1 comments

1 Comment

anna7174h ago

Wait, did anyone actually try the envelope thing during a flat tire?