Spend money. And then spend money for your Bucket List items. A bit about YNAB's bucket list policy.

The point of having money is to spend it. Also, an attorney joke that takes most of the time.

You can choose to think the budget is a prison, or a vista of endless possibilities. It's your call.

High-ticket items deaden your sensitivity to spending amounts you would otherwise weigh carefully. Proceed with caution!

Don't be a slave to your data. Learn from it, and then focus on your priorities and goals moving forward.