Goals would be amazing. Right now YNAB4 still works fine - there is no reason to switch if all I'm getting is the same product. Goals would do it for me. - I always calculate how much i need to save per month to have X dollars when vacation rolls around, but i cant remember if i counted the starting month or the month the vacation occurs in AND im spending from that category (buying plane tickets etc) before the actual trip. So It would be nice to see how much i truly saved for vacation without going back and adding it up.