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   YNAB
  </title>
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 <!------------------ ALSO, CHANGE BACKGROUND COLOR ----------------------------->
 <body bgcolor="#FDBE2A" class="body" style="display: block !important; min-width: 100% !important; width: 100% !important; -webkit-text-size-adjust: none; margin: 0; padding: 0;">
  <div style="display:none !important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">
   Don't get discouraged now!
   <div style="display: none; max-height: 0px; overflow: hidden;">
    ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
   </div>
  </div>
  <table bgcolor="#FDBE2A" border="0" cellpadding="0" cellspacing="0" width="100%">
   <!------------------------------------------------------------------------------>
   <tbody>
    <tr>
     <td align="center" valign="top">
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       <tbody>
        <tr>
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          <table border="0" cellpadding="0" cellspacing="0" width="100%">
           <tbody>
            <tr>
             <td align="center" style="padding: 0px 50px 40px;">
              <!---------------------- CHANGE LOGO HERE ------------------->
              <a style="display: block; text-decoration: none; outline: none; color: #4495d7;">
               <img alt="YNAB" height="36" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5d94fe897dea0d6a5b2ec2c8%252Foriginal.png%253F1570045577/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nDZXv:_2wiZr9DPNub3wWclyQ2QwmLn1NS6ca3-vzVsPuwv3M" style="display: block; -ms-interpolation-mode: bicubic;" width="142"/>
              </a>
              <!------------------------------------------------------------>
             </td>
            </tr>
           </tbody>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" width="100%">
           <tbody>
            <tr>
             <td align="center" style="">
              <!---------------------- CHANGE HERO IMAGE HERE ------------------->
              <img alt="A big check!" height="376" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5deabc03125ebf34fad48e35%252Foriginal.jpg%253F1575664643/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nDZXv:_2wiZr9DPNub3wWclyQ2QwmLn1NS6ca3-vzVsPuwv3M" style="display: block; -ms-interpolation-mode: bicubic;" width="600"/>
              <!----------------------------------------------------------->
             </td>
            </tr>
           </tbody>
          </table>
          <!-- Main -->
          <!-- Header -->
          <!-- END Header -->
          <table bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" width="100%">
           <tbody>
            <tr>
             <td class="main" style="padding: 50px 50px 0px;">
              <table border="0" cellpadding="0" cellspacing="0" width="100%">
               <tbody>
                <!---------LARGE HEADLINE------------>
                <tr>
                 <td style="padding-bottom: 28px;">
                  <div align="left" class="text" style="color: #F3783C; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 28px; font-weight: bold; line-height: 32px;">
                   <span style="color: #F3783C;">
                    What You'll Learn Today:
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!---------SUB HEADLINE - NO BACKGROUND COLOR------------>
                <tr>
                 <td style="padding-bottom: 24px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-weight: bold; font-size: 22px; line-height: 28px;">
                   <strong>
                    <span class="mobText" style="color: #25384F;">
                     A Little Motivation to Help You Stay the Course
                    </span>
                   </strong>
                  </div>
                 </td>
                </tr>
                <!-------------------------------------------------------->
                <!---------SUB HEADLINE - WITH BACKGROUND COLOR------------>
                <tr>
                 <td style="padding-bottom: 24px;">
                  <table bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" width="100%">
                   <tbody>
                    <tr>
                     <!------------CHANGE BACKGROUND COLOR AND WIDTH TO FIT TEXT------------->
                     <td bgcolor="#D8E9F7" style="padding: 4px 16px;" width="120">
                      <!----------------------------------------------------------------------->
                      <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-weight: bold; font-size: 22px; line-height: 28px;">
                       <strong>
                        <span class="mobText" style="color: #25384F;">
                         Jesse here,
                        </span>
                       </strong>
                      </div>
                     </td>
                     <td>
                     </td>
                    </tr>
                   </tbody>
                  </table>
                 </td>
                </tr>
                <!-------------------------------------------------------->
                <!---------PARAGRAPH TEXT------------>
                <tr>
                 <td style="padding-bottom: 30px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    If you’re sitting there thinking, “how will I ever break the paycheck to paycheck cycle?”—don’t be discouraged. You might feel like you’re not getting out of debt quickly enough, but these things take time.
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!---------PARAGRAPH TEXT------------>
                <tr>
                 <td style="padding-bottom: 30px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    Get this: if you continue using YNAB for the rest of your trial and another month, and you're just average, you'll have saved $600. As my dad always says, "That's better than a kick in the teeth." Thanks, Dad!
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!---------PARAGRAPH TEXT------------>
                <tr>
                 <td style="padding-bottom: 30px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    But hold the phones, because $600 in two months is great, but not life-changing.
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!---------PARAGRAPH TEXT------------>
                <tr>
                 <td style="padding-bottom: 30px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    I want you to stick with YNAB for the long haul. If you build some solid habits, hold your budget meetings, record your spending when you're out and about with your phone, and keep that up for a year, great things will happen.
                    <strong>
                     We found the average YNAB user saves or reduces their debt by $6,000 with a budget
                    </strong>
                    .
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!---------PARAGRAPH TEXT------------>
                <tr>
                 <td style="padding-bottom: 30px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    That's not bad when you think about it. A $6,000 turnaround is enough to take most people from the edge of financial stress back toward a place that, well, is quite a bit more pleasant. You've got this!
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!----------------------------CLOSING SALUTATION---------------------->
                <tr>
                 <td style="padding-bottom: 20px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    Happy budgeting,
                   </span>
                  </div>
                 </td>
                </tr>
                <!--------------------------------------------------------------------->
                <!----------------------------ACTUAL SIGNATURE---------------------->
                <tr>
                 <td style="padding-bottom: 4px;">
                  <div align="left" class="img" style="font-size: 0pt; line-height: 0pt;">
                   <a style="color: #4495d7; text-decoration: underline;" target="_blank">
                    <img alt="" border="0" height="71" src="https://inboxflows.com/_/image/https%253A%252F%252Fwww-assets.youneedabudget.com%252Fwp-content%252Fuploads%252F2019%252F08%252F05212044%252FJesseSignature.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZ3d3ctYXNzZXRzLiJ9:1nDZXv:VAx3pZHPyN4D16n5N1bzrKf9A7CVKr3zL39UaSixHkI" style="-ms-interpolation-mode: bicubic;" width="100"/>
                   </a>
                  </div>
                 </td>
                </tr>
                <!------------------------------------------------------------------>
                <!----------------------------SIGNATURE TEXT---------------------->
                <tr>
                 <td style="padding-bottom: 20px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    Jesse
                    <br/>
                    Founder, YNAB
                   </span>
                  </div>
                 </td>
                </tr>
                <!---------------------------------------------------------------->
                <!----------------------------ROUND IMAGE OF YNABER - CHANGE OUT IMAGE SRC AND ALT TEXT---------------------->
                <tr>
                 <td align="left" style="padding-bottom: 30px;">
                  <div align="left" style="">
                   <img alt="Jesse from YNAB" class="mobSigImage" height="88" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5d8e5f61a12f747862781782%252Foriginal.jpg%253F1569611617/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nDZXv:_2wiZr9DPNub3wWclyQ2QwmLn1NS6ca3-vzVsPuwv3M" style="display: inline-block; -ms-interpolation-mode: bicubic;" width="88"/>
                  </div>
                 </td>
                </tr>
                <!------------------------------------------------------------------------------------------------------------>
                <!---------PARAGRAPH TEXT  WITH LINK  JUST CHANGE THE HREF LINK------------>
                <tr>
                 <td style="padding-bottom: 30px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    P.S. Ready to subscribe? You’ll still get your time for your free trial, because free is free. We offer monthly and annual subscriptions.
                    <u>
                     <a style="text-decoration: none; color: #4495D7;">
                      Subscribe now
                     </a>
                    </u>
                    .
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
               </tbody>
              </table>
              <!-- END Content -->
             </td>
            </tr>
           </tbody>
          </table>
          <!-- END Main -->
          <!-- Footer -->
          <!-------------------------------------FOOTER------------------------------------------->
          <table bgcolor="#25384F" border="0" cellpadding="0" cellspacing="0" width="100%">
           <tbody>
            <tr>
             <td class="main" style="padding: 30px 50px 0px;">
              <!-- Content -->
              <table border="0" cellpadding="0" cellspacing="0" width="100%">
               <tbody>
                <tr>
                 <td style="padding-bottom: 20px;">
                  <table border="0" cellpadding="0" cellspacing="0" width="100%">
                   <tbody>
                    <tr>
                     <td align="center" width="109">
                     </td>
                     <td align="center" style="" width="64">
                      <a style="display: inline-block; text-decoration: none; outline: none; color: #4495d7;">
                       <img height="55" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5dd8287c4c720359dd1ca122%252Foriginal.jpg%253F1574447228/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nDZXv:_2wiZr9DPNub3wWclyQ2QwmLn1NS6ca3-vzVsPuwv3M" style="display: block; -ms-interpolation-mode: bicubic;" width="64"/>
                      </a>
                     </td>
                     <td align="center" width="9">
                     </td>
                     <td align="center" style="" width="64">
                      <a style="display: inline-block; text-decoration: none; outline: none; color: #4495d7;">
                       <img height="55" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5dd8287c36e9d97ba220f7fd%252Foriginal.jpg%253F1574447228/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nDZXv:_2wiZr9DPNub3wWclyQ2QwmLn1NS6ca3-vzVsPuwv3M" style="display: block; -ms-interpolation-mode: bicubic;" width="64"/>
                      </a>
                     </td>
                     <td align="center" width="9">
                     </td>
                     <td align="center" style="" width="64">
                      <a style="display: inline-block; text-decoration: none; outline: none; color: #4495d7;">
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