@farris_katie, I wanted to chime in about the Envelope budget question. You would need to start a separate sheet if you’d like to use that feature. You can migrate the data you’ve already spent customizing from the Foundation template. It won’t bring over any budget data, but it will bring over the rest.
If you see those REF errors you can correct them easily by removing the amounts you manually entered into budgets on the Monthly Budget sheet or you can restore the Monthly Budget sheet using the Labs add-on.