The "needed for spending" doesn’t take activity into account, it only looks at the budgeted money. By moving money out again you take away that money.
- One solution would be to have the payments go straight to "ready to assign" instead (although this screws with your history a bit by making it look like you’re spending all that yourself)
- Or you could change the budget goal to the amount that you pay yourself and let the family transactions fill up the rest. This is what I’m doing, but it has the downside of not having enough if the payments don’t come. If you fill up the first month yourself and let the payments pre-fill for the next this should probably be fine though.
Maybe someone else (or the YNAB support) has a better solution for this, but afaik that’s the only thing you can do.