I use hledger mostly because of the plain text format. I came from YNAB as well but I just hated how you couldn’t easily undo changes or see when you made a change, etc. This is so easily to track changes and you can add comments explaining your reasoning around things and you can keep everything in source control so you have all the power of that as well. Not for everyone but if you’re a programmer or just comfortable on the command line it’s great.
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