Currently wrestling with getting on zero with things like nostr:npub1ex7mdykw786qxvmtuls208uyxmn0hse95rfwsarvfde5yg6wy7jq6qvyt9 Bill Pay while historically I have been accounting for every cent that comes in through YNAB and giving it a place.

If I store my checking account in Bitcoin, pretty much makes it impossible for me to budget the way I have been through YNAB.

Decisions decisions...

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Fold might be the best of both worlds for you. You get to keep a checking account that I assume is compatible with YNAB and you also get the user-friendly conversions to BTC

I've weighed fold but elected against it. Transfers between my bank and strike are super easy