Id honestly bet the difference is just the fact you pay for YNAB. Basically if your willing to pay for a service it shows your very determined to fix your finances. Thus thats why youll hear more about people fixing theirs with it. Mint can do the same job to, its just your less motivated to because its free.

I’m a regular Mint user, and I check it everyday to update transactions, check budgets, and reallocate dollars if I need to make a one-time purchase.

all the paths to getting out of debt requires iron will. YNAB and MINT will not magically make it effortless to not spend money.

I think YNAB helps when you really do have issues like crushing debt or being out of control with money.