I thought this would be a problem for me and resisted using imports in YNAB... I changed to using it and I found I was more likely to actually keep on top of my budget knowing I didn't have to login to 2/3 different systems to start entering every transaction.

Sounds interesting, is it Mutant 59? If so, I will try find a copy.

https://www.goodreads.com/book/show/2368220.Mutant_59

Sorry, that's not it. I can't find it. It's a trilogy.

Golang.

Static typing, concurrency, blazing fast, single binary.

Tight feedback loops are great, but even as an experienced dev, I still make minor mistakes that the ide doesn't pick up, and even with tools like psalm, you will still encounter type error.

One of the reasons I use golang where possible, I feel more productive in golang because any mistakes you are make are almost always logical issues with the code, rather than language error and usually works first time.

Just easier. I use credit cards, but also have a Klarna account. If the shop uses Klarna, I will often use that because it is to well integrated, and then pay off Klarna with my CC, which in turn is paid a month later. Essentially I don't pay for something for over 2 months.

Because at least if it goes wrong, the money being used isn't actually your money until you pay the CC bill. That $2500 is still sat in your account.

Spiral of debt is only a risk if you have no discipline.

For those of us that do have discipline, CC's are great.