Thanks for the rare, rational comment regarding Obsidian. Many people here seem to think releasing software as closed source automatically means you have something to hide; seemingly forgetting we live in a capitalist system in which you must constantly sell your services to survive. (I am saying this as someone who adores FOSS and donates to most of my homelab software on a regular basis).

I think a more productive way to look at is: is the closed source dev friendly (or at least non-hostile) to the open source community? In the case of Obsidian, they haven’t done anything egregious, and regularly contribute to open source plugins. Furthermore, the notes are stored as markdown files. This gives the user strong resistance against potential enshittification, so even if they did go rogue you can just move to some other text editor lol. Granted, you would miss out on plugins but otherwise that’s a good reason to keep your plugin usage light and plan your Obsidian vault accordingly.

If someone is looking for a local hosted budgeting alternative, consider using Actual Budget. It’s an open source app that’s similar to YNAB

https://github.com/actualbudget/actual

Edit:

Also this is an interesting read from the original developer of Actual. Basically, it started as a closed source web app funded by a subscription model. When the business failed, he decided to open source it

https://actualbudget.com/open-source