Yep that’s another category.

Some people call it “life events”. For things like, weddings, baby showers, graduations, funerals, etc

YNAB really has an AWESOME system of how to think abt this stuff. Bc it forces you to amortize over time so that you’re saving bit by bit for things you KNOW will happen, you just don’t know when.

It has a bit of a learning curve and the tool is a glorified spreadsheet however for me it took using it for everything to click. And now I keep paying the subscription bc I like the sync w my bank and app access.

I highly recommend it. It really helps you not dip into things that are a priority for you. And let’s you pretty seamlessly move money between categories.

Like say in a given month you spent your eating out budget but your wife hits an amazing milestone at work and you want to celebrate. Before YNAB I’d just go and say “it’s worth it a $100 dinner isn’t gonna break the bank”. With YNAB I can get specific and say “it’s worth it, a $100 dinner isn’t gonna break the bank, I’m going to move $100 from the category where I was saving for a new TV and delay buying the TV”.

When life gets complicated w kids and tons of transactions it’s really hard to see that granularity and make that call. Anyways, try it out, it’s really made me feel like I can spend more, save more, without actually making more. The sub is great too r/YNAB