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Thoughts on personal finance, privacy, and building software that respects its users.

April 8, 2026

Best YNAB Alternatives That Don't Require a Bank Login (2026)

YNAB costs $109/year and wants access to your bank. Here are the best private budgeting apps that let you manage money without sharing financial data.

I Tracked My Spending for 90 Days Completely Offline. Here's What Changed

What happens when you ditch cloud finance apps and track every dollar on a desktop app with no internet? A 90-day experiment in private, intentional budgeting.

Personal Finance Without Subscriptions: Why One-Time Purchase Software Is Making a Comeback

Budgeting apps cost $95 to $109 per year. Over three years, that is $300+. Here is why one-time purchase finance tools are returning, and which ones are worth it.

How to Budget Privately on Mac and Windows Without Creating an Account

Most finance apps want your email, bank login, and personal data before you start. Here is how to set up a private budget in 15 minutes with no account required.

Why Local-First Software Is the Future of Personal Finance

Finance apps collect massive amounts of personal data, and breaches are rising fast. Learn what local-first software is, why it matters for your money, and how to take back control of your financial data.