A thin placeholder from the #129 grilling session — not committed, not designed.
Idea
Accounts that hold money outside the budget (mortgage, brokerage, a loan to a friend): balances are tracked, but their money never appears in Unassigned and their transactions never touch envelopes.
Why it might matter
Today every account is a budget account, so every Transfer is budget-neutral and category-free without exception. Off-budget accounts would break that symmetry: a transfer from a budget account to an off-budget account moves money out of the budget and therefore needs a category (this is how YNAB models it). That would require revisiting:
Status
Idea only. Needs a real spec (and its own grilling) before any ticket is cut.
A thin placeholder from the #129 grilling session — not committed, not designed.
Idea
Accounts that hold money outside the budget (mortgage, brokerage, a loan to a friend): balances are tracked, but their money never appears in Unassigned and their transactions never touch envelopes.
Why it might matter
Today every account is a budget account, so every Transfer is budget-neutral and category-free without exception. Off-budget accounts would break that symmetry: a transfer from a budget account to an off-budget account moves money out of the budget and therefore needs a category (this is how YNAB models it). That would require revisiting:
transfer_id IS NULL OR category_id IS NULLCHECK on transactions (added in Account transfers between own accounts (linked transaction-pair) #129)CONTEXT.mdStatus
Idea only. Needs a real spec (and its own grilling) before any ticket is cut.