There are a lot of things that can keep you up at night: a barking dog, that thing you said in a meeting earlier that day, a to-do list a mile long. But money worries? Those hit differently.  They creep in like a subtle techno intro, you know something is coming, and then BAM the beat drops. You’re wide awake, replaying every "what if" in your head to the pace of Sandstorm. Well, that is, until Cost to Be Me came out. That’s YNAB’s new feature that didn't just help me stay on top of my finances during one of the most chaotic seasons of my life—it helped me calm the money worries when my head hit the pillow. My complete and total life overhaul Let me back up to this time last year. Working at YNAB means we get a sneak peek at new features before the rest of the world. It’s part of the perks of the job when you’re a self-professed money nerd.…