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  <title>
   YNAB
  </title>
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 <!------------------ ALSO, CHANGE BACKGROUND COLOR ----------------------------->
 <body bgcolor="#F3783C" 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;">
   Budgeting is freeing
   <div style="display: none; max-height: 0px; overflow: hidden;">
    ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
   </div>
  </div>
  <table bgcolor="#F3783C" 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%252F5d8e5f617bdadd35ce8c5a91%252Foriginal.png%253F1569611617/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1n9r9R:skqOJyA94NDfd3iXIn9aiH_S1qO80Z7cW8-NH-I0OM0" 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%252F5ddeb093125ebf3efef007eb%252Foriginal.jpg%253F1574875283/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1n9r9R:skqOJyA94NDfd3iXIn9aiH_S1qO80Z7cW8-NH-I0OM0" 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: #4495D7; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 28px; font-weight: bold; line-height: 32px;">
                   <span style="color: #4495D7;">
                    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;">
                     Why Budgeting is Freeing (Not Restrictive)
                    </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="#FDBE2A" 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;">
                    The word “budget” has a pretty bad reputation. You might think it feels restrictive or that it makes us feel bad about spending money. But nothing could be further from the truth!
                   </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;">
                    Your budget is a tool for getting what you want out of your money. It doesn’t restrict you. By putting all of your financial priorities in one place it actually frees you to spend your money on the things that are most important to you.
                   </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;">
                    <br/>
                    <a style="color: #4495d7; text-decoration: underline;">
                     See how that played out for Jamie and Oscar.
                    </a>
                   </span>
                  </div>
                 </td>
                </tr>
                <tr>
                 <!------------------------------------>
                 <!---------SUB HEADLINE - WITH BACKGROUND COLOR------------>
                 <!------------------------------------------------------------------>
                 <!---------PARAGRAPH TEXT------------>
                </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;">
                   <span class="mobText" style="color: #25384F;">
                    Think about how far you've come in such a short amount of time. Remember where you started? Look where you are now!
                   </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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1n9r9R:skqOJyA94NDfd3iXIn9aiH_S1qO80Z7cW8-NH-I0OM0" 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1n9r9R:skqOJyA94NDfd3iXIn9aiH_S1qO80Z7cW8-NH-I0OM0" 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;">
                   <span class="mobText" style="color: #25384F;">
                    P.S. Budgeting doesn’t mean you have to give up on the things you love. Read the story of Jacob, a fellow YNABer, on how his budgeting journey began with eating Ramen at home and landed firmly in
                    <u>
                     <a style="text-decoration: none; color: #4495D7;">
                      guilt-free gluttony
                     </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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1n9r9R:skqOJyA94NDfd3iXIn9aiH_S1qO80Z7cW8-NH-I0OM0" 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1n9r9R:skqOJyA94NDfd3iXIn9aiH_S1qO80Z7cW8-NH-I0OM0" 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%252F5f32fe7a2b07493b5b292f9b%252Foriginal.jpg%253F1597177466/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1n9r9R:skqOJyA94NDfd3iXIn9aiH_S1qO80Z7cW8-NH-I0OM0" style="display: block; -ms-interpolation-mode: bicubic;" width="64"/>
                      </a>
                     </td>
                     <td align="center" width="9">
                     </td>
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