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  <title>
   YNAB
  </title>
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 <!------------------ ALSO, CHANGE BACKGROUND COLOR ----------------------------->
 <body bgcolor="#85C3EA" 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;">
   ...and your financial life looks amazing.
   <div style="display: none; max-height: 0px; overflow: hidden;">
    ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
   </div>
  </div>
  <table bgcolor="#85C3EA" border="0" cellpadding="0" cellspacing="0" width="100%">
   <!------------------------------------------------------------------------------>
   <tbody>
    <tr>
     <td align="center" valign="top">
      <table border="0" cellpadding="0" cellspacing="0" class="mobile-shell" width="600">
       <tbody>
        <tr>
         <td class="td" style="width: 600px; min-width: 600px; font-size: 0pt; line-height: 0pt; font-weight: normal; margin: 0; padding: 40px 0px;">
          <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%252F5d8e5f617bdadd35ce8c5a91%252Foriginal.png%253F1569611617/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nCU78:-OlZ04nG4fqcpmXwicJZ34ry4B8Rj-D7PxuJ_BwHQQE" 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="Welcome!" height="376" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5de55229d21f791d851dbf18%252Foriginal.jpg%253F1575309865/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nCU78:-OlZ04nG4fqcpmXwicJZ34ry4B8Rj-D7PxuJ_BwHQQE" 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: #ED9B42; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 28px; font-weight: bold; line-height: 32px;">
                   <span style="color: #ED9B42;">
                    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;">
                     What It Feels Like to Get Ahead on Your Bills
                    </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="#c5a7d4" 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;">
                         Hey there,
                        </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;">
                    I want you to imagine it’s a few months from now and it’s the first day of the month. You open up your budget and every single category is already completely funded.
                   </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 means every dollar you earn this month will go towards next month’s budget. You will literally have a month’s worth of cash in your bank account. You could go 30 days without getting paid and still feel secure financially. Congrats, this is freedom!
                   </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;">
                    It doesn’t happen all at once, and it definitely doesn’t happen by accident. In fact, it takes some dedication and intention. This month, see if you can take some of the money you earn and
                    <u>
                     <a style="text-decoration: none; color: #4495D7;">
                      put it towards next month’s bills
                     </a>
                    </u>
                    . When more money arrives, push it ahead a little further. Keep going until you’re no longer timing your bills to paychecks.
                   </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;">
                   <br/>
                   <span class="mobText" style="color: #25384F;">
                    <a style="color: #4495d7; text-decoration: underline;">
                     See what this looked like for Oscar and Jamie.
                    </a>
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!---------SUB HEADLINE - WITH BACKGROUND COLOR------------>
                <!------------------------------------------------------------------>
                <!---------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;">
                    How old should your money be? It’s up to you. Work your way up to 30 days and then see how you feel. If you have a highly variable income you might feel more secure with an age of money of 60 or 90 days. The bottom line—the choice is yours. That’s because YOU are always in control of your budget!
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!-------------------------------LOWER DIVIDER------------------->
                <!------------------------------------------------------------------>
                <!----------------------------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%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5dded0e503bd871cbabc7d56%252Foriginal.jpg%253F1574883557/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nCU78:-OlZ04nG4fqcpmXwicJZ34ry4B8Rj-D7PxuJ_BwHQQE" 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;">
                    Teacher at 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="Kelly from YNAB" class="mobSigImage" height="88" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5dded0e5c556aa6b7a88d5a0%252Foriginal.jpg%253F1574883557/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nCU78:-OlZ04nG4fqcpmXwicJZ34ry4B8Rj-D7PxuJ_BwHQQE" style="display: inline-block; -ms-interpolation-mode: bicubic;" width="88"/>
                   <br/>
                  </div>
                 </td>
                 <!---------PARAGRAPH TEXT  WITH LINK  JUST CHANGE THE HREF LINK------------>
                </tr>
                <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;">
                   <em>
                    <span class="mobText" style="color: #25384F;">
                     <u>
                      <a style="text-decoration: none; color: #4495D7;">
                       Subscribe anytime
                      </a>
                     </u>
                     . You’ll still get your time for your free trial, because free is free. We offer monthly and annual subscriptions.
                    </span>
                   </em>
                  </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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nCU78:-OlZ04nG4fqcpmXwicJZ34ry4B8Rj-D7PxuJ_BwHQQE" 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nCU78:-OlZ04nG4fqcpmXwicJZ34ry4B8Rj-D7PxuJ_BwHQQE" style="display: block; -ms-interpolation-mode: bicubic;" width="64"/>
                      </a>
                     </td>
                     <td align="center" width="9">
                     </td>
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