What is "envelope budgeting" and why did we build Yearn around it?

Envelope budgeting is an old idea. Instead of one big pile of money, you divide your income into labeled "envelopes" for bills, goals, and spending, so you always know what's actually yours to spend versus already spoken for. Yearn takes that idea and automates it: instead of physically moving cash, we fund digital envelopes for your bills and goals straight from each paycheck.