Thank you, very helpful. I almost got there by myself, but your advice really helped. I know that YNAB suggests getting rid of extra savings accounts, but I find that if all the money is available, then all the money gets spent. Also, I'm the primary budget-er, so while I generally know how much money is where, no one else really bothers to look at what's available before spending. The two major things I need to do is finish linking ALL of our credit cards first. Second I need to link a budget to each of the individual savings accounts so when I'm moving money around, it's being correctly attached to the corresponding goals. Lastly, I'm importing money from my business whenever I pay myself. I think the easiest way to address that is just to count that money as income. Having the business accounts does add a layer of complexity, but I'm sure I'll figure out what works best.