Ooh, I love YNAB! Even though it hasn’t been able to sync automatically with my bank for longer than I can remember.
I currently beemind (via a complice integration) inputting data to YNAB.
If there was a direct integration, I’d be tempted to start beeminding age of money and the size of some savings goals.
I especially like the sound of beeminding “do-less of categories I have to WAM (move money from a different category to cover overspending) per reconciliation,” though that might be tricky to implement! I find YNAB works really well for letting me have a better rough mental picture of how much money I have to spend (so I fairly successfully decide on-the-fly “I can find $20 for this” vs “I can find $200 for this”) but I still don’t tend to check YNAB before purchases, even large ones; anything that slapped my wrist for buying first and re-budgeting second would be really helpful.