Picture this: you’re driving to work and swing by Starbucks to buy your usual Venti mocha with an extra shot. Don’t worry, you funded your “☕ Fancy Coffee” category, so there is zero guilt or second-guessing with this purchase. Just pure mmmm . But later that week, when you’re approving transactions, you don’t see “Starbucks.” Instead, you see a payee like this: POS Withdrawal STARBUC #3562 2024-09-14 dbt crd exp on 05/28AUSTIN TX US  That’s what we at YNAB call a “messy payee.” And we don't like them one bit. If your bank has ever done this to you, you know it can be annoying to clean it up. And of course, if you’re spending money with a partner, it’s worse.…