I am currently traveling full time through southeast Asia and I would definitely consider becoming an expat here.

For less than half the price of normal living costs in north america or Europe you can live a life of luxury over here. Plus the big cities are honestly just as nice or even better than most back home.

Why live in north america in a small house or apartment when for the same amount I could have a penthouse and eat out everyday if I wanted plus go on twice as many vacations a year. I also just love the hot climate so its perfect!

Not sure how similar to Ynab but firefly 3 looks good.

Also I was on a similar search recently and found plaintext accounting and that’s all I use now. plaintextaccounting.org