Those of you who keep a dictionary within arm’s reach may have noticed a troubling development across YNAB: we made up a word. (Come at us, Webster!)  We have only one defense: it doesn’t feel like we made up spendfulness , it feels like we found it. The story of spendfulness Twenty years ago, when we were a lil’ baby spreadsheet with four rules, we were sure about one thing: you need a budget. It was the name of our company and the title of Jesse’s book. Over the years, we built up a wildly unique and supportive community of self-proclaimed YNABers (almost 200,000 on Reddit alone). You might expect to hear them talking about all the ways they saved money: wearing thick sweaters inside their under-heated homes in the winter, lugging 50-pound bags of oats home to feed the family. But restriction is not the vibe. There’s Carsen and Ulysses who literally had a fairy tale wedding. They dressed as princes straight out of Cinderella , got married at a castle, and invited their guests to wear fairy tale garb.…