Self-Hosted Finance Automation vs Cloud: n8n + Actual Budget Stack

If you've been running YNAB or Mint (RIP) with Zapier workflows to auto-categorize transactions, you've probably felt the pain: monthly subscription costs creeping up, rate limits on API calls, and zero control over where your financial data lives. I recently set up a fully self-hosted personal finance automation stack on my homelab, and after a couple months of running it, I have thoughts. Let's compare the two approaches honestly. The Two Stacks Cloud stack: YNAB ($14.99/mo) + Zapier (free tie