The Perfect Complement to YNAB
While YNAB helps you budget and track every dollar, Sophia helps you heal your emotional relationship with money - available 24/7 for deep nervous system work
YNAB
Fixes the behavior - teaches you tactical budgeting, tracking, and money management systems
$14.99/month
MyMoneyCoach.ai
Fixes what drives the behavior - heals your nervous system around money so budgeting actually sticks
$19.99/month • 24/7 access
Money fear keeping you stuck despite everything you try?
We get it, living with constant money fear is exhausting.
You've committed to YNAB. You're giving every dollar a job, tracking your expenses, following the four rules. The system makes perfect sense.
But here's what you're experiencing:
- •That sick feeling in your stomach when you open the YNAB app
- •Avoiding budget reviews because the anxiety is overwhelming
- •Going off-budget for weeks at a time when stressed
- •Knowing exactly what to do but feeling paralyzed to do it
- •Feeling like a failure when you "break the budget" again
YNAB gives you the system. But when your nervous system is in survival mode around money, no system - no matter how good - can override that physical fear response.
Why They Work Better Together
YNAB teaches you what to do. Sophia helps you understand why it's hardand heals the emotional patterns that keep you stuck.
YNAB
The Tactical Layer
- Budget template and system
- Expense tracking
- Goal setting tools
- Reports and insights
- Community support
Best for: Learning budgeting mechanics
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Use them together for complete transformation
MyMoneyCoach
The Emotional Layer
- Nervous system regulation
- Inherited belief work
- Money block clearing
- 24/7 emotional support
- Personalized coaching
Best for: Healing money anxiety at the root
That's why we created Sophia, to calm your nervous system around money so you can break through.
Sophia is your AI abundance coach, available 24/7 to help you process the emotions that come up when you're budgeting, identify inherited money beliefs, and calm the nervous system patterns that make sticking to YNAB feel impossible.
How to Use Both Tools
A day in the life of someone using YNAB + MyMoneyCoach together
Morning: Check YNAB
You open YNAB to review your budget for the day. Immediately, you feel that familiar tightness in your chest when you see you're over budget in groceries.
→ Open Sophia: "I'm feeling anxious looking at my budget. Can you help me understand why I keep overspending on groceries?"
Sophia helps you discover it's not about the groceries - it's about feeling worthy of nourishment, a pattern from childhood scarcity.
Afternoon: Track Spending
You need to enter an expense in YNAB but find yourself procrastinating. You've been avoiding it for three days.
→ Chat with Sophia: "Why do I keep avoiding entering my expenses? I know it's important."
Sophia guides you through a nervous system regulation exercise, then helps you identify the fear behind avoidance. You enter your expenses feeling calm.
Evening: Budget Review
Time for your weekly YNAB budget review. Usually, you dread this. But after working with Sophia all week, something feels different.
→ Sophia celebrates with you: "I reviewed my budget and didn't feel sick! Can we talk about what shifted?"
Sophia helps you recognize the progress, reinforces the nervous system work, and prepares you for next week's challenges.
The Result: YNAB shows you what to do with your money. Sophia helps you feel safe doing it. Together, they create lasting transformation.
You become confident and in control of your money.
When you calm your nervous system around money, YNAB stops feeling like a chore and starts feeling like freedom. You stick to your budget not from willpower, but because your body finally feels safe with money.
So you are free and building wealth.
7-day trial • $19.99/month • Cancel anytime
Common Questions
Do I need to cancel YNAB to use MyMoneyCoach?
No! They work better together. Keep your YNAB subscription for the budgeting system and tracking. Add MyMoneyCoach.ai to heal the emotional patterns that make budgeting hard.
I already know what to do with money. Why do I need a coach?
That's exactly why you need Sophia. You don't need more information - you need help with the emotional barriers that keep you from doing what you already know. Sophia specializes in nervous system work, not financial advice.
How is this different from YNAB's community support?
YNAB's community is amazing for tactical budgeting tips. Sophia provides 24/7 emotional processing for the anxiety, shame, and fear that come up when you're budgeting. She's trained in nervous system regulation, inherited money beliefs, and somatic practices.
Can Sophia help me set up my YNAB budget?
Sophia doesn't give financial advice or set up budgets - that's what YNAB is for. Instead, she helps you process the feelings that come up while you're using YNAB, clear the blocks that make you avoid budgeting, and calm your nervous system so you can think clearly.
What if I'm already working with a therapist?
Perfect! Sophia complements therapy beautifully. She's available 24/7 between therapy sessions for real-time support when money anxiety hits. She's not a replacement for professional therapy.
How much does it cost compared to YNAB?
YNAB: $14.99/month or $109/year
MyMoneyCoach.ai: $19.99/month or $199/year
Together: Less than one therapy session per month for complete financial + emotional support.