Not sure if you’re into command line tools but I’m using hledger and have emulated pretty well the YNAB envelope method and I’m liking it quite a bit. Using plain text for transaction journals is amazing and has solved some of the ambiguity I felt when using YNAB. Tons of information here for this type of accounting method. And look here specifically for implementing the envelope method with these sorts of tools.

No phone apps are available as far as I know but depending on your technical expertise you could provide reports from a webpage pretty easily.

I think we need to make this a thing.

“I’ve got a stack of boxes in the garage I need to go full Elon on.”

“Yeah she was so pissed off she went Elon on his car.”