[Meta] YNAB Promo Chain! Monthly thread for this month

Please use this thread to post your YNAB referral link. The first person will post their YNAB referral code, and then if you take it, reply that you've taken it, and post your own -- creating a chain. The chain should look as follows:

• Referral code
  • Referral code
• Referral code
  • Referral code
  • try to avoid
• doing too many
  • subchains

Please only post to the referral thread once per month.