Side note: Jesse (founder of YNAB) is an amazing speaker with a great sense of humor. His story about bootstrapping YNAB is hugely inspiring to me. I highly recommend his 2014 Microconf talk (<a href="https:&#x2F;&#x2F;vimeo.com&#x2F;95653848" rel="nofollow">https:&#x2F;&#x2F;vimeo.com&#x2F;95653848</a>) if anyone is interested.