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  <meta content="address=no" name="format-detection"/>
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  <meta name="x-apple-disable-message-reformatting"/>
  <!--[if !mso]><!-->
  <!--<![endif]-->
  <title>
   YNAB
  </title>
  <!--[if gte mso 9]>
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		li { text-indent: -1em; /* Normalise space between bullets and text */ }
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@font-face {
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body {
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img {
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  .mobile-br-25 {
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  .header {
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  .main {
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  .footer {
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  .fluid-img img {
    width: 100% !important; max-width: 100% !important; height: auto !important;
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  .column {
    float: left !important; width: 100% !important; display: block !important;
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  .column-bottom {
    float: left !important; width: 100% !important; display: block !important;
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  .mobSigImage {
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  .mobileBullets {
    width: 16px !important; height: 16px !important; margin-top: 6px !important;
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}
@media only screen and (max-width: 480px) {
  .mobile-shell {
    width: 100% !important; min-width: 100% !important;
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    margin: 0 auto !important;
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  .td {
    width: 100% !important; min-width: 100% !important; padding: 24px 24px 0px 24px !important;
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  .mobile-br-10 {
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  .mobile-br-25 {
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  .header {
    padding: 30px 15px 32px 15px !important;
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  .main {
    padding: 40px 40px 40px 40px !important;
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  .content {
    padding: 0px 15px 40px 15px !important;
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  .footer {
    padding: 30px 15px 30px 15px !important;
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  .fluid-img img {
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  .column-bottom {
    float: left !important; width: 100% !important; display: block !important;
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  .content-spacing {
    width: 15px !important;
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  .mobSigImage {
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  }
  .mobileBullets {
    width: 16px !important; height: 16px !important; margin-top: 6px !important;
  }
}
  </style>
 </head>
 <!------------------ 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;">
   It’s been a little while
   <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">
      <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: #2362c0;">
               <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nB2Cl:m5hkQDeHHsThfBuTTop1HVixalTIrTTZozWVQt1koug" 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="YNAB coach!" height="376" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5d8e7f287bdadd35ce8c5cb2%252Foriginal.jpg%253F1569619752/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nB2Cl:m5hkQDeHHsThfBuTTop1HVixalTIrTTZozWVQt1koug" 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>
                <!---------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;">
                     Hey there,
                    </span>
                   </strong>
                  </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 know it’s tempting to throw in the towel, maybe you haven’t looked at your budget in a few days. Don’t give up now! You might want to go back to your old ways, but don’t fall into that trap! You can change your money story for good, and it starts right now.
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!---------BUTTON - CHANGE WIDTH AND TEXT IF NECESSARY IN TWO PLACES - CURRENTLY 250px------------>
                <tr>
                 <td align="center" style="padding-bottom: 30px;">
                  <table border="0" cellpadding="0" cellspacing="0" width="100%">
                   <tbody>
                    <tr>
                     <td align="center" style="">
                      <div>
                       <!--[if mso]>
													          <v:roundrect xmlns:v="urn:schemas-microsoft-com:vml" xmlns:w="urn:schemas-microsoft-com:office:word" href="https://app.youneedabudget.com/users/authentication?utm_medium=email&utm_source=onboarding&utm_campaign=jamie_oscar_v1&utm_content=not_recently_used" style="height:36px;v-text-anchor:middle;width:200px;" arcsize="5%" strokecolor="#4495D7" fillcolor="#4495D7">
													            <w:anchorlock/>
													            <center style="color:#ffffff;font-family:Helvetica, Arial,sans-serif;font-size:16px;">Check Your Budget</center>
													          </v:roundrect>
													        <![endif]-->
                       <a class="mobText mobBtn" style="background-color: #4495D7; border-radius: 3px; color: #FFFFFF; display: inline-block; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; font-weight: bold; line-height: 44px; text-align: center; text-decoration: none; width: 200px; -webkit-text-size-adjust: none; mso-hide: all; border-color: #4495d7 #4495d7 #347fc0; border-style: solid; border-width: 1px 1px 5px;">
                        Check Your Budget
                       </a>
                      </div>
                     </td>
                    </tr>
                   </tbody>
                  </table>
                 </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: #2362c0; 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nB2Cm:bkIxwXsj2F_yZxw9xxKthktwxnbct6FIGa-1lwjujso" 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nB2Cm:bkIxwXsj2F_yZxw9xxKthktwxnbct6FIGa-1lwjujso" 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.
                    <em>
                     Need some extra motivation? Read about how this couple paid off
                     <u>
                      <a style="text-decoration: none; color: #4495D7;">
                       $31,000 in 12 months
                      </a>
                     </u>
                     .
                    </em>
                   </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: #2362c0;">
                       <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nB2Cm:bkIxwXsj2F_yZxw9xxKthktwxnbct6FIGa-1lwjujso" 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: #2362c0;">
                       <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nB2Cm:bkIxwXsj2F_yZxw9xxKthktwxnbct6FIGa-1lwjujso" 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: #2362c0;">
                       <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nB2Cm:bkIxwXsj2F_yZxw9xxKthktwxnbct6FIGa-1lwjujso" 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: #2362c0;">
                       <img height="55" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F60ba46403553382b6571f87b%252Foriginal.jpg%253F1622820416/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nB2Cm:bkIxwXsj2F_yZxw9xxKthktwxnbct6FIGa-1lwjujso" 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: #2362c0;">
                       <img height="55" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5dd8287cd5b6823c45b69082%252Foriginal.jpg%253F1574447228/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nB2Cm:bkIxwXsj2F_yZxw9xxKthktwxnbct6FIGa-1lwjujso" style="display: block; -ms-interpolation-mode: bicubic;" width="64"/>
                      </a>
                     </td>
                     <td align="center" width="108">
                     </td>
                    </tr>
                   </tbody>
                  </table>
                 </td>
                </tr>
                <tr>
                 <td style="padding-bottom: 20px;">
                  <table border="0" cellpadding="0" cellspacing="0" width="100%">
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