Let me start by saying that I'm a supporter of YNAB, and this post is meant to be nothing more than feedback.
I hate to say; but I'm not real crazy about YNAB 4. Version 3 was very good and could have been perfect with some added functions and tweaks (like cloud, etc). The reports on 3 (in my opinion) were more informative and intuitive than they are on 4, I can't understand why you removed the trending reports either. All that was needed to version 3 reports was a little easier (less mouse clicks) access to reports and drill-down ability and they'd have been perfect.
It just seems to me that the interface and feel were "blown up" too much, I wish we had YNAB 3 with some of the behind the scenes features that you did in YNAB 4 - I'd have paid for that. Appears to me that alot of the change was for the sake of change primarily.
This is in no way a rant, I still fully support YNAB and will use YNAB 4, just offering my feedback.