I use hledger mostly because of the plain text format. I came from YNAB as well but I just hated how you couldn’t easily undo changes or see when you made a change, etc. This is so easily to track changes and you can add comments explaining your reasoning around things and you can keep everything in source control so you have all the power of that as well. Not for everyone but if you’re a programmer or just comfortable on the command line it’s great.

Syncthing may fit the bill.

Borg or restic since they do deduplication.

My biggest data regret is rsync-ing or tar-ing up my systems to my fileserver as a backup mechanism. So much wasted space. Extremely difficult to find anything. Impossible to properly organize. These backup solutions improve the situation tremendously.

I requested mine a few days before the protest and I still haven’t received a download link. Not sure if they’re overwhelmed or if they are specifically delaying on this.