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#108 - Spendfulness: The Word We've Been Looking For All Along with YNAB Dave
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In today's episode, Ben and Ernie are joined by Dave from YNAB, a YNAB teacher and contributor to many YNAB articles and blogs and a master of money analogies! Dave discovered YNAB while deeply in debt and making a move across the Atlantic. He saw the wisdom and value of the YNAB method quickly, however, and steadily worked himself out of debt over an eight year period. Along the way, he learend many lessons about sustainability and resilience -- learning to balance his priorities of enjoying life now and becoming debt free, while creating a buffer for unexpected expenses so they didn't put him further in debt. Two steps forward, three steps back, as Dave says.
When the YNAB team landed on the word "spendfulness" to describe this state of alignment with your money, it instantly struck a chord for Dave. The YNAB method, which for many years was represented by four rules, always really boiled down to one rule, the first one: give every dollar a job. There was always something special about Rule One, he points out. The problem was, the rules didn't fully explain the method in and of themselves. When Dave would run workshops, "embrace your true expenses" (Rule Two) was typically followed by the quesiton: what's a true expense? After spending so much time explaining and clarifying the rules, it became clear that YNAB needed a different way to explain what made it different from traditional budgeting advice.
Dave explains why spendfulness is such an important concept, and how the Four Rules have been transformed into 5 Questions which clarify the only rule that ever mattered: giving every dollar a job.
Follow Budget Nerds on YouTube
Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams
Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g
Share your YNAB wins with Ben and Ernie!
Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW:
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Manage episode 463702970 series 3313584
Content provided by You Need a Budget. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by You Need a Budget or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.
In today's episode, Ben and Ernie are joined by Dave from YNAB, a YNAB teacher and contributor to many YNAB articles and blogs and a master of money analogies! Dave discovered YNAB while deeply in debt and making a move across the Atlantic. He saw the wisdom and value of the YNAB method quickly, however, and steadily worked himself out of debt over an eight year period. Along the way, he learend many lessons about sustainability and resilience -- learning to balance his priorities of enjoying life now and becoming debt free, while creating a buffer for unexpected expenses so they didn't put him further in debt. Two steps forward, three steps back, as Dave says.
When the YNAB team landed on the word "spendfulness" to describe this state of alignment with your money, it instantly struck a chord for Dave. The YNAB method, which for many years was represented by four rules, always really boiled down to one rule, the first one: give every dollar a job. There was always something special about Rule One, he points out. The problem was, the rules didn't fully explain the method in and of themselves. When Dave would run workshops, "embrace your true expenses" (Rule Two) was typically followed by the quesiton: what's a true expense? After spending so much time explaining and clarifying the rules, it became clear that YNAB needed a different way to explain what made it different from traditional budgeting advice.
Dave explains why spendfulness is such an important concept, and how the Four Rules have been transformed into 5 Questions which clarify the only rule that ever mattered: giving every dollar a job.
Follow Budget Nerds on YouTube
Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams
Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g
Share your YNAB wins with Ben and Ernie!
Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW:
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Budget Nerds
1 #121 - The Weirdest Categories We’ve Ever Seen (and Loved) 45:19
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Play Later Play Later Lists Like LikedThrough all the category breakdown episodes, Ben and Ernie have seen some thought-provoking, inspiring, funny, and downright weird categories from YNAB'ers. Today's episode is all about celebrating the weird and unusual categories in your plan. Ben and Ernie polled YNAB'ers across Facebook, YouTube, and even some of the YNAB team members and highlight the funniest, most inspiring, and weirdest categories they found. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com…
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1 #120 - Your Categories Are Not Alone! The New YNAB Templates 1:02:58
1:02:58 Play Later Play Later Lists Like Liked1:02:58
Play Later Play Later Lists Like LikedHave you felt overwhelmed trying to think of categories for your money when you start a fresh spending plan? Or just wished someone would come up with new categories for you when you need to plan for a major life event? You're in luck, someone has done all that work for you! They are called YNAB templates. In today's episode Ben and Ernie take a look at the new templates feature in YNAB, and share their experiments incorporating templates into their own spending plans. There are a number of templates available, ranging from very general, such as the beginner and minimalist templates, to highly specific, such as getting a new puppy or renovating your kitchen. Templates have categories preloaded and organized for you, and some even have targets with ballpark figures. The idea is to help you think of the various things you need to plan for, big and small. For instance, when planning a vacation most people immediately think of airfare and hotels or Air B&B, but there are also small expenses like parking and souvenirs that can add up to big bucks over the course of a trip! With the travel template, all these things have already been considered for you, so you can just import the template directly into your plan and set targets that fit your trip. Ben and Ernie each picked a template to import into their plan (it's easy to import templates -- just find the one you want to use, one click and it imports straigth into your plan). Ben chose travel and used it for a recent beach vacation. Ernie chose food since he and his family have recently changed their habits around eating out and shopping for groceries. Of course, templates aren't set in stone, so Ben and Ernie modified them to fit their own situation. If you find yourself stuck on building categories in your plan, or just need some fresh inspiration, try out a template! Find your YNAB template here: https://www.ynab.com/templates Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com…
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1 #119 - Lauren's YNAB Categories (PLUS How She Breaks the Multi-Currency Rules) 1:15:18
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Play Later Play Later Lists Like LikedIn today's episode Ben and Ernie chat with Lauren, a long time YNAB user going back to YNAB4 and a Customer Support Specialist at YNAB. Though she was born in the US, Lauren is of Korean descent and since 2017 has been teaching English in South Korea. Her unique background has required some pro-level YNAB moves, since she is paid in US dollars but spends in both USD and Korean Yuan, which fluctuate in value relative to each other. YNAB's recommended solution is to maintain two plans, one in each currency, so that currency fluctuations don't cause your plan to drift over time. This is a reliable method, but it requires you to maintain two plans and keep track of duplicate categories in each currency. Lauren prefers to manage her money in one plan, and simply makes the currency conversion when she enters her transactions in YNAB. In today's episode Ben and Ernie dive into Lauren's categories, and discuss her unique way of managing multiple currencies in one plan. Resources mentioned in this episode: YNAB Templates: https://www.ynab.com/templates Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com…
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You don't have to be a power user for YNAB to help you gain control over your money, start loving the way you spend, and change your life. But there's a lot of power under the hood, and Ben and Ernie want to help you unlock it! In today's episode they walk through a handful of their favorite YNAB features and tools and show how you can use them to plan your spending like a true Budget Nerd. Resources mentioned in this episode: YNAB Templates: https://www.ynab.com/templates Heard It from Hannah -- 10 Features You Might Have Missed: https://youtu.be/-N94FQjaVyU?si=hIsKCZlQbZj42tw0 Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com…
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Get your popcorn ready, because on today's episode Ben and Ernie are lacing up the gloves and going for 12 rounds! Twelve rounds of YNAB debate, of course. They have selected 12 YNAB hot topics and spend three minutes debating each one. Topics include: Using emoji's in category titles Using a cash account vs a cash category to track physical dollar bills Prioritizing an emergency fund or getting a month ahead And more! Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events…
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1 #116 - YNAB's Future Vision with CEO Todd Curtis 1:06:17
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Play Later Play Later Lists Like LikedIn today's episode Ben and Ernie talk with the man himself, Todd Curtis, long-time YNAB team member and CEO since 2021. Todd has been a YNAB'er going all the way back to the YNAB3 days, and served as a beta tester for an early Mac version of the software before officially joining the company in 2010. In his tenure at YNAB Todd has touched on just about every aspect of the business, from customer service to product development, and now leads the company and helps shape and focus the core values of spendfulness that YNAB stands for. In this episode, Todd discusses his history with YNAB and how a fateful email to Jesse led to him getting a job. He talks about the evolution in philosophy from budgeting to planning, the five questions, and how some recently released features on the YNAB app aim to guide new users to plan their money without having to reference supporting materials. Todd also discusses the future vision of the company, and how he sees the app and the method evolving to better support YNAB's core mission to teach people to live more spendfully. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events…
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1 #115 - How Heidi Overcame ADHD and Money Mistakes with YNAB 1:13:02
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Play Later Play Later Lists Like LikedToday Ben and Ernie are joined by long-time YNAB'er Heidi to discuss her challenges of managing money with ADHD, and how she has used the YNAB method to reclaim control over her money. As Heidi explains, ADHD is characterized by impulsiveness and inattentiveness, both of which took a heavy toll on her finances, especially during phases of her career where her income was variable. Heidi was an early adopter of YNAB -- starting with YNAB3! -- and quickly fell in love with the software and the concreteness of the YNAB method. Heidi explains how the other approaches to personal finance she had discovered were focused on philosophy and abstraction, whereas YNAB was concrete from the start. The software is opinionated, and wants you to follow the "rules," which today have been boiled down to just one rule: give every dollar a job. The act of entering transactions, assigning money to categories, and moving money from category to category proved therapeutic for Heidi, and her daily habit of checking YNAB made her more in tune with her money and her long term plans for the money. Over time she noticed that her inattentiveness to money, which once lead to frequent overdrafts and bank fees, improved dramatically. She was also able to create a reserves category for the "ADHD tax," as she calls it, essentially giving herself a safety net in her budget to be impulsive with money without disrupting her future plans. After many years with YNAB and a lifetime living with ADHD, Heidi has accumulated a lot of wisdom about managing money and learning to live spendfully. As she puts it, YNAB has allowed her to be a more interesting, dynamic person, by giving her the freedom to do the things she wants without being hamstrung by money problems. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events…
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Many of us approach YNAB from a position of scarcity, at least at first. We don't have enough money to do all the things we want to do, and we're living paycheck to paycheck. Giving every dollar a job and working through the 5 Questions helps us gain clarity about what our money needs to do for us, and finally get our financial life on track. But what if you have a surplus of money fall into your lap unexpectedly? Windfalls are wonderful, sometimes life changing, but they can be stressful too. Especially if you haven't done the work of getting clear about your priorities and giving your dollars a job, suddenly receiving a large sum can be overwhelming and intoxicating. Ben likens windfalls to a poker concept called "winner's tilt." Players who are winning and watching the action through a tall stack of chips often end up playing more loosely and taking more risks. In theory, they should be playing with the same strategy as what won in the first place, but overconfidence and the security of playing with a large bankroll leads to riskier play. Luckily the YNAB method works for windfalls too! When you know your priorities, and you have a plan for your money, it's much easier to handle a windfall without frittering it away or stressing about doing something special with it. In today's episode, Ben and Ernie discuss windfalls they have received in their life and lessons they have learned from the experience. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events…
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It has been a while since Ben and Ernie have done an old fashioned debt payoff episode, but it's still one of the hottest topics when it comes to personal finance. And in their veiw, at least, paying off debt is where most of the personal finance world gets it wrong. YNAB has a unique method for paying off debt with an emphasis on sustainability and maintaining motivation. The key is to learn how to plan for future large and less frequent expenses so that you don't continue to get into more debt. Another key is to remember that we are humans, not numbers. So while the personal finance sphere may dive into the deep end of working out the math on interest rates and pay down schedules, at the end of the day it doesn't matter if you can't sustain your pay off plan. To that end, Ben and Ernie offer YNAB's four step process for paying off your debt without going crazy and without living like a monk. There's even room for fun money! Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events…
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1 #112 - Ben and Ernie Fix a Messy Budget! (YouTube Livestream Replay) 1:02:23
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Play Later Play Later Lists Like LikedBen and Ernie are back again to fix a very messy budget, and this time they are doing it live! This is a replay from their YouTube livestream on Mar 26th, 2025. There is a strong visual component to this episode, so we recommend you watch the replay on YouTube (link below), but we are posting the audio on the podcast feed as well. Messy Budget Livestream Replay: https://www.youtube.com/live/tjK_lxpdVm0?si=EGTA5iMo6oyJ3jrL Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events…
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1 Budget Nerds LIVE on YouTube: Fixing a Messy Budget 1:56
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Play Later Play Later Lists Like LikedTogether they sail or sink! Today, March 26th at 3:00pm Eastern, Ben and Ernie will be livestreaming on YouTube and will attempt to fix a messy YNAB budget. This episode will have a heavy visual component, so you will want to watch it on YouTube at the link below. If you miss it, you can still watch the replay on YouTube, and the audio will be posted to the podcast feed in a couple days. In the meantime, happy YNAB'ing! http://www.youtube.com/@YNABofficial…
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Like the cycles of the earth, Sun, and moon, YNAB'ers have cycles too! Daily, monthly, quarterly, even yearly, there are things to do to manage your spending plan. In today's episode Ben and Ernie share what they do in YNAB at every stop in the calendar, including how they run budget meetings and how they include the family in the planning process. Try YNAB FREE for 34 days! https://www.ynab.com/nerds Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events…
It's a common question for those not already committed to YNAB: is it really worth it? I mean, paying for a budgeting software? It's a legitimate question, and you can probably guess where Ben and Ernie land on answering it (of course!). Today Ben and Ernie don't want to offer their opinions on why YNAB is worth it, they want to share some cold hard facts from a recent study the YNAB marketing team conducted on YNAB user behavior. What they found was a clear quantitative reason to sign up for YNAB: the average user saves $600 in their first month of using the YNAB. That's nearly six times the annual cost of YNAB, saved in just the first month. The numerical arguments for using YNAB are some of the least convincing, however. The qualitative benefits of using YNAB are positively inspiring! Ben and Ernie walk through a number of statistics demonstrating how YNAB'ers have improved their quality of life, from feeling less stressed, arguing less with their spouse, and actually feeling good about spending their money. Try YNAB FREE for 34 days, and start working on that $600 savings: https://www.ynab.com/nerds Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events…
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1 #109 - Don't Make These Common YNAB Mistakes! 1:04:30
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Play Later Play Later Lists Like LikedYNAB is an incredible tool for learning to love how you spend, but it does come with a learning curve. Ben and Ernie have taught thousands of folks how to use YNAB, and throughout their years working with newcomers a handful of common mistakes occur again and again. In today's episode, Ben and Ernie outline seven mistakes people make in YNAB, and how to avoid them. Resources mentioned in this episode: https://www.ynab.com/blog/common-money-mistakes Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events…
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1 #108 - Spendfulness: The Word We've Been Looking For All Along with YNAB Dave 53:53
53:53 Play Later Play Later Lists Like Liked53:53
Play Later Play Later Lists Like LikedIn today's episode, Ben and Ernie are joined by Dave from YNAB, a YNAB teacher and contributor to many YNAB articles and blogs and a master of money analogies! Dave discovered YNAB while deeply in debt and making a move across the Atlantic. He saw the wisdom and value of the YNAB method quickly, however, and steadily worked himself out of debt over an eight year period. Along the way, he learend many lessons about sustainability and resilience -- learning to balance his priorities of enjoying life now and becoming debt free, while creating a buffer for unexpected expenses so they didn't put him further in debt. Two steps forward, three steps back, as Dave says. When the YNAB team landed on the word "spendfulness" to describe this state of alignment with your money, it instantly struck a chord for Dave. The YNAB method, which for many years was represented by four rules, always really boiled down to one rule, the first one: give every dollar a job. There was always something special about Rule One, he points out. The problem was, the rules didn't fully explain the method in and of themselves. When Dave would run workshops, "embrace your true expenses" (Rule Two) was typically followed by the quesiton: what's a true expense? After spending so much time explaining and clarifying the rules, it became clear that YNAB needed a different way to explain what made it different from traditional budgeting advice. Dave explains why spendfulness is such an important concept, and how the Four Rules have been transformed into 5 Questions which clarify the only rule that ever mattered: giving every dollar a job. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events…
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1 #107 - You Can Start YNAB Whenever You Want 34:35
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Play Later Play Later Lists Like LikedStarting YNAB is like starting anything else -- a new workout routine, new eating habits, learning a new skill -- you just have to jump in! Many people struggle to take the first step, however. In today's episode, Ben and Ernie discuss some of the reasons why people drag their feet starting YNAB, and how you can reframe the way you think about money to get started right now (today!) with small, easy goals. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events…
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1 #106 - YouTube LIVE: Spendfulness and the 5 Questions 1:00:14
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Play Later Play Later Lists Like LikedHappy New Year! On January 1, 2025, Ben and Ernie went live on YouTube to talk about some big changes at YNAB, and the unveiling of an important new word: spendfulness. Ben and Ernie review some of the history of YNAB and it's four rules, and how spendfulness is a whole new way of thinking about your spending. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events…
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1 Ben and Ernie LIVE on YouTube: Spendfulness and the 5 Questions 1:04
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Play Later Play Later Lists Like LikedSome BIG changes are afoot at YNAB, and Ben and Ernie the Budget Nerds are going live on YouTube today at 1:00pm Eastern time to talk about them! Link below. If you missed the livestream, we will post the full replay in the podcast feed shortly after it airs. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events…
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1 Budget Nerds LIVE at YNAB Fan Fest 2024 Salt Lake City 18:19
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Play Later Play Later Lists Like LikedIn September 2024, YNAB invited over 150 fans to Salt Lake City to celebrate the 20th annivesary of YNAB and enjoy the camaraderie of people with a passion for the YNAB method. Ben and Ernie were there, and hosted a live episode of Budget Nerds. In this bonus episode, they chat with Teisha and Katie, two budget nerds who have some excellent YNAB wins that demonstrate their resilience and the YNAB method in action. Teisha went from living paycheck to paycheck to finally getting ahead and paying off her student loans after years of chipping away at them with little to show for it. Katie used the spending habits she learned using YNAB to support her acting career in Los Angeles (a notoriously expensive city) with a highly variable income. She also managed to get through the stressful process of having her car stolen with the help of her YNAB memos, where she stored vital information like VIN numbers and insurance information. If you're interested in attending a future YNAB Fan Fest, there are more events coming in 2025! Check the link below to sign up for dates in San Diego, Minneapolis, and New York City. Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com…
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1 #105 - Dealing with Major Financial Setbacks 46:34
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Play Later Play Later Lists Like LikedSetbacks are a fact of life. Fortunately YNAB gives you the tools to be flexible with your spending plan. While we plan our spending based on normal months, life often has other ideas and our months often don't align perfectly to the "normal" or ideal. Some months, or even years, really don't align with our plans, and the unexpected expenses just keep piling up. In today's episode, Ben and Ernie talk about some of their financial setbacks in 2024, including tax withholding issues, major medical expenses, and a seemingly ever-increasing pet category. Even veteran YNAB'ers have setbacks, but luckily YNAB doesn't just help you prepare for the unexpected, it teaches you to be resilient and brings calm in the storm when life decides to throw you curveballs. Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com…
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YNAB'ers are great people -- as evidenced by the camaraderie and stories heard at the recent YNAB Fan Fest in Salt Lake City -- but let's be honest... YNAB'ers can also do some weird things with their money! It's a testament to how powerful the YNAB method is, that many people make big, lasting habit changes around their money, but it comes with some funny side effects. In today's episode, Ben and Ernie take a look at some of the sillier things that YNAB'ers do, whether it's swiping their card three times at the grocery store to avoid splitting their transactions in the YNAB app, rationing toilet paper until the first of the month, or pumping gas until the meter reads a perfect aught-aught after the decimal. Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com…
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Today Ben and Ernie try something different: they are looking at a messy budget -- a VERY messy budget -- sight unseen and attempting to clean it up. This one is a doozy, with dozens of uncleared transactions, multiple accounts including credit cards, transfers between accounts, and even a cash account. As Ben points out early on, whenever you're dealing with a neglected budget like this, you have to start by reconciling first before you start assigning dollars and moving money between categories. So Ben and Ernie wade through each account, clearing transactions and reconciling, making sure that YNAB and the bank account balances agree. Once that is done, they can get to the fun part -- building a spending plan! Of course, this is just a fun exercise for Ben and Ernie, and an opportunity for them to share their problem solving process in YNAB, but if your budget looks like this and you are overwhelmed, there is a MUCH easier solution! You can always make a fresh start, and work with a clean slate starting today. So don't think you have to untangle the Gordian knot to get your spending plans back in shape! This episode leans heavily on screen sharing, so if you want to see Ernie navigate through the budget as he talks through the problems with Ben, be sure to watch the YouTube video at the link below: Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com…
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1 #102 - LIVE Q&A: New YNAB Features, Cash Only YNAB, Budgeting with Partners, and More! 1:03:55
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Play Later Play Later Lists Like LikedBen and Ernie hosted a Live Q&A on the YNAB YouTube channel on Oct. 30th, 2024. If you missed it, here's the full replay! They fielded questions from YNAB'ers and discussed some brand new YNAB features. Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Ben B live on Facebook! @ynabofficial…
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1 Budget Nerds Are Going LIVE on YouTube - Oct 30th, 2024 1:47
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Play Later Play Later Lists Like LikedBen and Ernie are going LIVE on YouTube at 1:00pm Eastern on October 30th, 2024. Come and join us! If you're tuning in after the Live show, the full replay will be posted to the podcast feed soon. Budget Nerds on YouTube https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g
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1 #101 - Planning on a Variable Income, YNAB at Your Workplace, and Free Swag! 40:35
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Play Later Play Later Lists Like LikedIn today's episode, Ben and Ernie chat with Veronica Brashler, who is in charge of the Corporate Wellness program at YNAB. Veronica's YNAB story starts with working freelance as a wedding photographer with a highly variable, and seasonal income. Both she and her husband were self-employed at the same time, while raising a young family, and the stress of variable income was high. In her words, they felt like they always had to take the next job, because they weren't sure where the next paycheck would come from if they said no. This made it difficult to plan vacations or just take time off to relieve stress (during peak wedding season she would typically work multiple weddings every weekend!). When she discovered YNAB, the stress relief was immediate. All of a sudden they had clarity around their true expenses, and how much was "enough." Today, Veronica helps others find this sense of relief with her work at YNAB. Her current job is to work with companies to provide YNAB to their employees as part of their benefits package. And she's brought lot of YNAB goodies for the Budget Nerds community! Share YNAB with your workplace and get some swag! Tell your employer about us and we'll reward you with some exclusive YNAB things. Here's how to make it happen: Write a message to your HR team requesting that they consider YNAB as an addition to your benefits package. You can use the templates at ynab.com/wellness/share for inspiration. Forward or bcc: your message to wellness-sales@ynab.com We'll thank you (profusely) and collect your mailing address. You'll receive YNAB swag in the mail! 😎…
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1 #100 - The 100th Episode! Ben and Ernie Reflect 45:03
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Play Later Play Later Lists Like LikedToday's episode is officially the 100th episode of Budget Nerds (if you count the YouTube episodes that were published before the audio podcast feed)! Ben and Ernie reflect on the past few years, the most and least viewed episodes, their favorite episodes, and the many YNAB wins they've had a chance to share and celebrate along the way. Thank you for listening and supporting the show with your emails and comments. Here's to the next hundred! Follow Ben B live on Facebook! @ynabofficial Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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If you're standing up, you might want to take a seat, because something big has happened... Ben actually changed his budget! Over the last year Ben has had some major life changes that have resulted in more monthly cashflow and also bigger expenses, so it was time, at last, to overhaul his budget. In today's episode Ben discusses the circumstances that prompted the change, how he learned to actually work Rule 2 and embrace his true expenses, and how he is assigning the new monthly cashflow. YNAB Debt Bootcamp https://www.ynab.com/debt-bootcamp Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
One of the interesting parts of working at YNAB is you get to observe human behavior related to personal finance. As Ben and Ernie have noticed over the years, YNAB'ers tend not only to reach their financial goals -- such as paying off debt or saving for a big purchase -- but also complete a number of other goals at the same time. There's something about the YNAB process that leads to knocking down goals like dominoes. Ben brings up an old YNAB saying: "think long, act now." Following YNAB's Four Rules, in particular Rule Two, gets you in the habit of considering your future expenses and setting aside money now so that they are covered when the expense hits your bank account. And as Ernie points out, the unofficial "Fifth Rule" -- find the money first -- puts you in the habit of identifying the tradeoffs you are willing to make to spend money on a given thing. These habits aim to help you manage your money in a sustainable way, so that you can not only meet your financial goals but continue to maintain them without incurring new debt every time an unexpected expense comes up. For those new to YNAB, don't be surprised if your initial money goals lead to more and greater things! YNAB Debt Bootcamp https://www.ynab.com/debt-bootcamp Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #97 - What If YNAB Paid You to Use It? And Other Sketchy Ideas from Ben Markley (Sketchy Advice) 49:27
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Play Later Play Later Lists Like LikedOn today's episide Ben and Ernie welcome another Ben to the show -- Ben Markley, host of YNAB's Sketchy Advice series on YouTube. Ben has a reputation for striking metaphors and thought provoking ideas about money and putting YNAB's principles into daily practice, and today he shares some of his favorite ideas, including: Why you should go ahead and buy that latte YNAB is really just an elaborate gift card system Can YNAB help you keep your house clean? What if YNAB paid you to use it? Be sure to follow Ben M. and his wacky ideas on YouTube! Sketchy Advice YT Playlist: https://www.youtube.com/playlist?list=PLq0_N-XTl2yCCaRGfgWVerrE8s2A8b0oq Buy That Latte: https://youtu.be/U7Z9ens0NtE?si=-lxqxojGDdcgTwPD Unlock Money Joy....with Gift Cards? https://youtu.be/GU6VeOFnPuU?si=O_mQBl5VIuYPG_ZB Can YNAB Keep Your House Clean? https://youtu.be/s1KrMm_ByOg?si=ufpcvZ6UKS-Jj-cL Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Ben and Ernie get a handful of recurring questions that aren't quite big enough topics to make into their own episode, but nevertheless deserve to be answered! In today's show, they tackle some of those questions, including: What does Ben mean when he talks about the "matchy matchy game?" Helping kids learn to budget Should you have separate categories for kids' expenses? Tracking investments in the budget The pros and cons of simplifying your category structure. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #95 - Managing Variable Income as a Busy Graduate Student: Jasmin Green, PhD Student UC Davis 1:31:36
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Play Later Play Later Lists Like LikedThe Budget Nerds have covered the spending habits of a lot of married folks with families, but what about the single people out there? In today's episode, Ben and Ernie speak with Jasmin Green, a PhD student in the Department of Plant Sciences at UC Davis. Jasmin is an avid YNAB'er, who credits the methodology with keeping her bank account in order during the financially challenging years of graduate school. As a PhD student, Jasmin's income is highly variable, with several streams of income from stipends, grants, and emplyoment as a TA -- each with their own tax implications. Despite the lumpy income, Jasmin has successfully used YNAB to navigate the costs of living in graduate school while remaining relatively stress-free, at least when it comes to money! Jasmin breaks down the categories in her spending plan in full detail, and how they each fit into the big picture of her financial life. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #94 - How Does It Feel to Be a Month Ahead? Budget Nerds Weigh In 44:27
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Play Later Play Later Lists Like LikedGetting a month ahead with your money is a milestone for many YNAB'ers. Being a "month ahead" means that when the first of the month hits, all your bills and expenses for that new month are already paid for -- the money for them is sitting in your bank account, and assigned to the respective categories in YNAB, waiting to cover those costs. And boy does it feel good! In today's episode, Ben and Ernie share stories from YNAB'ers who have achieved that milestone of being a month ahead, and how it has relieved them of stress and anxiety, taken away the fear of job loss, and reduced the overall mental overhead required to keep track of when paychecks hit and when rent and utility bills go out. When you are a month ahead, you break the paycheck to paycheck cycle and life gets a lot less stressful -- at least your financial does. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Today Ben and Ernie are joined by returning guest and YNAB Lead Educator, Erin Lowell, who posed the idea of thinking bigger with your money. Many people come to YNAB seeking a way to escape the paycheck to paycheck cycle, pay down debt, build an emergency fund, and reduce their stress and anxiety around money. These are wonderful goals! However Erin reminds us that there are things you can do with your money beyond paying the bills, and she wants you to experience those things. Paying bills and handling unexpected expenses with cash for the first time is a thrilling feeling, but it's not the highest use of your money. Dream bigger than your bills! Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #92 - Are You Doing YNAB? Tracking Expenses vs YNABing 37:22
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Play Later Play Later Lists Like LikedIt's a common story: a person finds YNAB and starts using the software, only realize months (sometimes years) down the road that they weren't actually following the YNAB method . They were just tracking expenses using YNAB's software. Tracking expenses is not a bad thing -- tracking brings awareness of your spending habits and where your money and energy is going -- but the magic of YNAB is in the method, encapsulated in the Four Rules: Give every dollar a job Embrace your true expenses Roll with the punches Age your money Here's a primer on the Four Rules if you are new to this way of thinking about money. Most personal finance tools are all about tracking your expenses. What the Four Rules do, however, is make you feel tradeoffs . Tradeoffs occur all the time whether we know it or not. By choosing to spend on one thing, we choose not to spend on other things, or we go into debt because we did not make a tradeoff! When we only track expenses, though, we only discover the tradeoffs after they have already happened. You get the spending report at the end of the month, only to realize that you had overspent your restaurant category, for instance, by the end of week two. Tracking expenses after the fact does not give you enough information to make decisions going forward. As Ben and Ernie explain, YNAB asks you to assign your current money to spending in the future. In this way, you save up money in categories for expenses you anticipate ahead of time. Instead of going to a fancy restaurant and hoping that you have enough money to pay for your other bills afterwards, or worse putting it on the credit card and taking on new debt, YNAB would ask you to assign dollars to the meal ahead of time (Rule One). If you don't have enough cash lying around to assign to this, then you will have to pull money from another category to cover it. In doing so, you have made a tradeoff. Importantly, you made the tradeoff ahead of time, so you can determine if it's worth it to you, rather than potentially regretting the decision later. YNAB is all about tradeoffs, and bringing awareness to the tradeoffs you make every day in your spending. By following the Four Rules, you can move beyond tracking expenses and finally get ahead with your money. Most importantly, the Four Rules can help you spend with less stress and anxiety, and more joy. Budget Nerds episodes referenced in this show: Find the Money First: https://youtu.be/InTcf78558A?si=FqaIb6fc2t5wGvkj YNAB Is All About Tradeoffs: https://youtu.be/tfIk5UTYDtg?si=ACLRM3rC_6775gCf Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #91 - Windfalls, Learning to Invest, and YNAB 4: Jeremy Schneider of Personal Finance Club 1:09:42
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Play Later Play Later Lists Like LikedBen and Ernie chat with Jeremy Schneider, an entrepreneur turned personal finance teacher who aims to demystify the confusing world of investing with simple, unbiased information. In his early 20's, Jeremy founded an internet startup and ran it for 12 years, never taking home more than $36k/year -- while living in San Diego, CA! This experience required him to get surgical with his spending, and during this time he became an avid YNAB'er (using the old YNAB 4 software). At the age of 34, Jeremy sold his company and became a multimillionaire. After this windfall, Jeremy continued to work for a few years while figuring out how to manage his newfound wealth. This experience, along with his YNAB habits, drove him to found Personal Finance Club, a site with simple, easy to understand information for beginners learning to invest their money. In this episode, Jeremy shares his tidy YNAB plan, with possibly the fewest categories of any guest so far! As a long-time YNAB'er, Jeremy organizes his categories using some of the logic from YNAB 4, but he also shares how his categories have evolved over time and how he has simplified his budget as he became more comfortable with his financial position. Find more about Jeremy Schneider and the Personal Finance Club: Nectarine Investing Advice: https://hellonectarine.com Personal Finance Club: https://www.personalfinanceclub.com/author/jerschneid/ Personal Finance Club IG: @personalfinanceclub YNAB Fan Fest - September 21, 2024 https://www.ynab.com/events Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Ben and Ernie open their inboxes for another mega round of YNAB wins -- stories from YNAB users about positive outcomes, reduced stress, and newfound confidence with their money. In today's mega episode, they have broken up the wins into several themes: Partner wins Gaining control Getting a month ahead Paying down debt Clarity Stress reduction Building confidence Simplifying Priorities Saving Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
YNAB is well known for the Four Rules, or what many YNAB'ers are now calling the Four Habits, which describe the process of gaining control of your money and learning to spend with joy rather than shame or regret. The Four Rules are: Give every dollar a job Embrace your true expenses Roll with the punches Age your money In today's episode, Ben and Ernie discuss a concept that is implicit in the rules, but perhaps should be it's own rule -- find the money first! Findng the money first means that when you want something that is not in your plan, you need to find the money somewhere else in the plan, that is, re-allocate money from one category to cover your new purchase. This action makes it clear that you are making a tradeoff -- in order to get one thing, you must give up another thing. It may seem arbitrary, but it's an important move! All too often, people will buy something they want without finding the money first, which sets of a cycle of anxiety and fear over whether they can afford it, or whether they will be able to pay off the credit card bill when it comes due. At the very least, spending before you find the money distances you from your money and your priorities, because it obscures the tradeoff. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #88 - Swim Fins and Why You Shouldn't Compare Yourself to Others 35:36
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Play Later Play Later Lists Like LikedIn today's episode, Ben shares a story about swimming at the YMCA. One of Ben's favorite forms of exercise is swimming laps at his local YMCA, and while it's a great solitary form of exercise, sometimes you can't help but notice how your pace compares to others in the pool. One day Ben started swimming laps only to notice an older lady absolutely hauling in another lane. Which was... discouraging, to say the least. However, as she was exiting the pool Ben noticed she was wearing swim fins, and her blazing performance began to make sense. This woman had a huge advantage, but it was hidden under the water. In the waves and froth of the water, Ben couldn't see it. It's a good analogy for financial circumstances. For the most part, we only see the outward indicators of other people's financial life -- the things they can afford to buy, the places they can afford to live -- and even those obversations can be greatly skewed if those people are buying things with debt! It's important to realize that other people have different advantages in life, and those can significantly influence their financial circumstances. So Ben urges you not to compare yourself to others, because you don't know what advantages they've had, and you can't see their full financial picture from your standpoint. As the saying goes, comparison is the thief of joy! Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Ben and Ernie respond to a recent survey reported by Jill Schlesinger on CBS Morning about American's 2024 financial resolutions. The top responses: save more money (41%), pay down debt (38%), and spend less (30%). BORING! Ben rants about why "spending less money" is not a good financial plan, and Ernie highlights the importance of putting a why behind goals like paying down debt. There's nothing wrong with paying down debt, of course, but to be successful, and to to truly practice the YNAB habits, there needs to be a reason why you want to pay down the debt. Maybe it's to fund a vacation that you haven't been able to take before, maybe it's to buy something big for your favorite hobby, or maybe it's to fund a charitable cause. As Ben explains, your spending is part of the way you express yourself in the world, so you need to be clear with your priorities and values. To that end, Ben and Ernie share some of the most interesting financial goals and resolutions sent in by fellow budget nerds. From buying a forever violin, to founding a college endowment, to traveling the US in a custom-built bus, there are very creative and meaningul responses! Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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In today's episode, Ben and Ernie discuss what to do with cold, hard cash money. For many YNAB'ers debit and credit card spending fits nicely into the YNAB paradigm, since YNAB can interface directly with financial institutions and pull online banking data. Cash transactions, on the other hand, can create a stumbling block since they exist outside the easily trackable, traceable online banking system. Some decide to just not track cash at all. Cash is money, however, and it probably should be part of your spending plan, so Ben and Ernie recommend tracking it in YNAB. It's not that hard! There are essentially two ways to track cash in YNAB: in a "cash" category, or in a cash account (there's a special cash account type you can select in YNAB). Ben and Ernie break down the pros and cons to each approach. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #85 - Do I Have to Give EVERY Dollar A Job? 43:06
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Play Later Play Later Lists Like LikedThe short answer is yes. But why? Ben and Ernie dig into the reasons why giving every dollar a job is essential to creating a stress-free life around money. As Ben explains, the point of YNAB is to ruthlessly root out self-delusion, and be honest about both what you want your money to do for you and what tradeoffs you will have to make to accomplish that. When you leave money in the Ready to Assign category, you are putting off making decsions about tradeoffs, and thus obfuscating the real purpose of that money. It's even the same with cash buffers in checking accounts or emergency funds held outside YNAB -- these wads of cash actually obscure what your goal with the money is, because it's unclear how much of it is allocated to each job. That money can create a false sense of security, when you assume that the amount is big enough to handle any emergency that could arise. What if the water heater, the fence, and the roof need to be replaced in one year? The totals can really add up, and leaving cash in an amorphous blob in a checking or savings account does not give you clarity on what and how much it can cover. So, to truly follow YNAB's Four Rules is to, first, give every dollar a job, and start making tradeoffs. Understanding your tradeoffs helps you get clarity on what you really want your money to do for you! Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #84 - How I Learned to Stop Worrying and Love My Unexpected Expenses 43:12
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Play Later Play Later Lists Like LikedRule Two of YNAB's Four Rules is "embrace your true expenses." True expenses are expenses that may not be regular, but are a normal part of life: new tires, HVAC repairs, emergency doctor visits. Sometimes they are expected -- every car and house will need repairs eventually -- and sometimes they are unexpected, like a trip to the emergency room. All the same, we usually end up cursing them when we have to pay up! In today's episode, Ben and Ernie invite you to change your thinking about true expenses, especially unexpected expenses. With a shift in mindset, unexpected expenses can be a wonderful expression of the things your value. Need a costly tree removal in your backyard? Perhaps that's the price of giving your kids a safe place to play outside. Frustrated about an expensive birthday party? Maybe it's something your spouse really values. As Ernie points out, embracing your unexpected expenses can be an exercise in thinking outside yourself and your own desires. So, the next time you get hit with an unexpected expense... take a deep breath, then consider how you could not only accept it without anger, but even love it. Ben's blog post: https://www.ynab.com/blog/how-to-embrace-your-true-expenses Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #83 - Kath Eats: An Interview with Nutrition Blogger Kath Younger, RD 1:15:02
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Play Later Play Later Lists Like LikedBen and Ernie invite Kath Younger, Registered Dietitian and popular nutrition and wellness blogger, onto the show to discuss how her health journey led her to seek financial health and wellness. Kath started her blog katheats.com in 2007 to record her experiences exploring healthy foods and healthier eating habits, and has now expanded to cover natural beauty products as well as lifestyle topics like fitness and motherhood. In 2016, Kath began using YNAB and started improving her financial health. Today she is a bona fide budget nerd! In today's episode Kath breaks down her financial plan in detail, including her groups and categories (the structure of which was inspired by Ramit Sethi), how she manages checking and savings accounts, how she and her husband share spending and planning responsibilities, and much more! You can follow Kath at the links below: Blog: https://www.katheats.com/ Kath's YNAB categories: https://www.katheats.com/budget Instagram: https://www.instagram.com/katheats/ Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
Behind every rule, there's a habit. In today's episode, Ben and Ernie explore YNAB's Four Rules, but in the context of the habits they build. After all, budgeting well is not so much about following (or breaking) hard rules, but rather consistently following certain habits, to help you plan and make better tradeoffs with your money. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
Through 80 episodes (and counting!), passionate YNAB'ers have been sharing their personal finance wins, big and small, with Ben and Ernie. Whether it's paying off debt, handling an emergency expense, or simply feeling more relaxed and at peace about money, we cherish each win and love to put a spotlight on them all. In today's episode, Ben and Ernie catch up on their backlog of YNAB wins with a mega episode of stories from YNAB'ers across the globe and from all walks of life. Ben and Ernie classified today's wins into five categories, including: Clarity Giving Priorities Peace of mind Options Here's to many more YNAB wins in 2024. Happy New Year! Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #80 - There's No Such Thing As Saving Money 39:39
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Play Later Play Later Lists Like LikedWhat if... saving money wasn't actually a thing? Crazy, right?! Well, if you subscribe to YNAB's philosophy -- the Four Rules -- then money is properly understand as a spending tool. The whole point of money, and your budget, is to plan how to spend your money. Savings is really just money that you plan to spend later, whether it's three days later at the grocery, three months later for an oil change you know you need to get, or thirty years later when you retire from the workforce! Ben and Ernie explore this idea, prompted by a blog post Ben wrote back in September. Saving money is a bummer for a lot of people, and perhaps the reason is because they were thinking about it all wrong! There's No Such Thing as Saving Money (Blog Post) by Ben Barlowe: https://www.ynab.com/blog/no-such-thing-as-savings Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 BONUS - Live Q&A on YouTube (11/29/2023) 1:06:39
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Play Later Play Later Lists Like LikedBen and Ernie went live on YouTube on November 29, 2023 to answer questions, share their budgets, and nerd out about YNAB. This bonus episode is a rebroadcast of the YouTube live, which you can find by following the link to the YouTube channel below. Link to Q&A on YouTube: https://www.youtube.com/live/BR8-jcK-9xA?si=Ied1f-fgnHTjF9G8 Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #79 - ANNOUNCEMENT! Live Q&A Today at 3:00pm EST (Nov 29th, 2023) 2:12
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Play Later Play Later Lists Like LikedSet your reminders, Ben are Ernie are going live on the YouTube channel today at 3:00pm EST. They'll be answering your questions and getting nerdy about finances, so join in! If you are tuning in after the Q&A, you can still watch the replay -- just go to the Budget Nerds YouTube channel in the link below. If you want to send them a question to answer during the Q&A, send it via email here! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #78 - Are Impulse Purchases Wrecking Your Finances? A YNAB Study Finds Out 37:52
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Play Later Play Later Lists Like LikedEveryone spends on impulse from time to time, even the most staunch adherents to frugality. According to a new study funded by YNAB, 94% of Americans admit to impulse spending. It's common nowadays to "treat yo'self" after a hard day, for instance. But is impulse spending a bad thing? Not necessarily! If your spending is aligned with your values and priorities, then spending should be fun. It should bring you joy. And with a good spending plan, it doesn't have to wreck your finances either! Ben and Ernie explore the YNAB study that asked various questions about impulse purchases, including the various reasons it happens: emotional support, fear of missing out (FOMO), dining out, and seasonal influences (like Christmas). By understanding the nature of impulse spending, you can plan for it and set aside some money for indulgances, so you don't miss the money when other bills come due. Ben and Ernie also offer some tips for experienced YNAB'ers struggling with overspending in their categories due to impulse spending. The YNAB Study: https://www.ynab.com/blog/impulsebuying How to Make Your Budget More Fun by Ben Barlowe: https://www.ynab.com/blog/spontaneity-plan-yours-today Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #77 - Are You On the Credit Card Float? Credit Card Alerts Can Help 39:52
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Play Later Play Later Lists Like LikedThe credit card float, as it has been termed, is the situation in which a person is reliant on the month-long grace period of the credit card to meet their obligations. In other words, they spend money now with a credit card, which they pay off later when their paycheck comes in. A person in this situation may pay off their card in full each month and never pay interest! But the fact remains that, if they are on the float, they are in debt -- they do not have the cash to handle their current expenses. What's insidiuous about the credit card float is that it can happen slowly. As life changes and spending changes along with it, credit card expenses can slowly start to overwhelm the amount of cash you have coming in. Fortunately, YNAB has features to help you manage that! Ben and Ernie walk through the new credit card alert feature in YNAB, which alerts you when overspending in a category causes you to not have enough cash to cover your credit card balance. Or, if you add a credit card to YNAB with an existing balance, it will alert you to assign dollars to cover that existing balance before handling other expenses. Heard It from Hannah on the Credit Card Float: https://www.youtube.com/watch?v=E3fkNO1XfpU Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #76 - The Most Elegant Budget We've Ever Seen? An Interview with Budget Nerd Lee Bond 1:25:33
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Play Later Play Later Lists Like LikedAs the principal budget nerds at YNAB, Ben and Ernie have seen their fair share of elegant budgets, but the one featured in today's episode might take the cake for the most refined of all time! Long time YNAB'er and bona fide budget nerd Lee Bond joins the podcast to discuss his history of using YNAB, his category structures, his unique use of "transfers," and his various adventures trying to push the boundaries and break YNAB. Lee has thought through every category and transaction with precision and an eye for cleanliness and efficiency. If you call yourself a hardcore budget nerd, or aspire to be one, then you will enjoy this episode with Lee! Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #75 - The Ultimate Guide to Targets in YNAB 57:05
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Play Later Play Later Lists Like LikedForecasting is kind of a dirty word at YNAB, because the Four Rule are all about budgeting the dollars you have now, and not counting on future dollars that haven't arrived yet. However, it's still useful to plan for future expenses , and understand how the timing of those expenses will affect how much money you need to set aside each month to cover them when they come due. Expense timing can be complex, too -- some things hit weekly, biweekly, monthly, others hit at odd intervals like every 3 weeks or 6 months. YNAB has tools to handle these! Targets are a powerful way to organize and understand your expenses no matter how complex the timing is. Ben and Ernie dive deep into the various target types available in YNAB, and clever ways you can use them to track expenses, track debt pay down, and more. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Ben and Ernie share insightful comments from a recent conversation in the YNAB Fans Group on Facebook in which one YNAB'er asked: what's one benefit to using YNAB that surprised you? YNAB is of course all about getting your money straight, but the reality is that when you get your money right, other aspects of life tend to follow suit. After all, getting your money right means alinging your spending with your values. Whether it's improved friendships and marriages, reduced stress and worry, discovering new insight into your behaviors through tracking expenses, or simply watching your bank account balance climb to historic levels -- there are many benefits to budgeting that affect all aspects of life! YNAB Fans on Facebook: https://www.facebook.com/groups/YNABFans/ Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #73 - Saving Dollars? Sure, But How About Saving Time! 49:55
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Play Later Play Later Lists Like LikedYNAB is all about giving dollars a job, but what about your time? Ben and Ernie poke at the edges of common budgeting practices in YNAB to determine what is really necessary, and what can be thrown out in the name of efficiency and time management. It's a fun exercise -- and often insightful -- to take practices or "rules" that you take for granted and tear them down to see how essential they are to the task of budgeting. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #72 - Paying Off the Mortgage: Erin Walks Through How She Did It 42:37
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Play Later Play Later Lists Like LikedLong time YNAB'er and Lead Educator at YNAB, Erin Lowell, shares her experience paying off her mortgage using YNAB principles. Mortgage Professor loan calculator http://www.mtgprofessor.com/ext/home2.aspx Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #71 - Inside the Categories with Budget Nerd Gabi Bradley 53:09
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Play Later Play Later Lists Like LikedBen and Ernie interview fellow budget nerd and YNAB power user Gabi Bradley. Gabi is a busy mom balancing work, family, and changing financial obligations (including daycare!). She shares her unique category structure, which she assembled using various strategies outlined on Heard It from Hannah and Budget Nerds, and how her family uses the budget to handle their ever-changing financial needs. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #70 - Focused Views: A Powerful New YNAB Feature! 35:41
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Play Later Play Later Lists Like LikedBen and Ernie discuss the exciting possibilities of a powerful new feature in YNAB called "Focused Views." Focused Views allow you to see a subset of your categories depending on what you want to learn, analyze, or review. Sometimes you just want to drill down on a particular piece of your budget to understand what's going on with your money -- like consistently underfunded or overfunded categories. Or maybe you want to share the most important parts of the budget with your parnter without bogging them down with too many category details. Perhaps you have wish farm with a variety of wants. Whatever the case may be, you can create a focused view to help you (and your partner!) better understand your money. And you can use emojis! Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
Ben and Ernie share their different strategies for applying Rule Four -- aging your money -- and specifically budgeting for the month ahead. Ben budgets for the next month in real time, allocating paychecks to categories in the next month on the calendar. Ernie, on the other hand, uses a holding category to park dollars that will be applied to the next month, and waits until the beginning of the month to actually allocate thoses dollars. They debate the pros and cons to each approach, and discuss some hybrid approaches that might be the best of both worlds! Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #68 - Applying YNAB Principles Outside the Budget 43:28
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Play Later Play Later Lists Like LikedBen and Ernie discuss YNAB's Four Rules, and whether they can be applied to other areas of life outside the budget. As it turns out, yes they can! Whether it's Ernie's favorite pasttime (lawncare) or Ben's devotion to good systems, the Four Rules tap into some universal principles of effective resource management that can be applied to a wide range of things in life. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Ben and Ernie return to their nerdy roots and talk memos today, all about that little field in the transactions next to the category and balance. Turns out, the memo field can be used in many clever and creative ways to add more utility and depth to your budget, whether it's tracking important purchase information such as serial numbers, or tracking how many times you bought gifts or spent time with friends and family. Using memos can help your budget tell a more complete story of how you spend your money and whether that aligns with your priorities. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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YNAB is not like other budgeting methods. Rule Four is "age your money" and it encourages folks to spend last month's earnings on this month's expenses, thereby breaking the paycheck to paycheck cycle in which so many find themselves stuck. Many YNAB'ers work diligently toward getting a month ahead of their expenses, budgeting the dollars they currently have in the bank account for expenses due in the next calendar month. But what about emergency funds? Many budgeting methods encourage the idea of an emergency fund, a pile of money that is only touched to handle unexpected expenses not accounted for in the budget. A wise (or as Ben would say, prudent) thing to have! In a perfect world, however, YNAB'ers would not need emergency funds -- they would have saved enough money for future expenses via Rule Two to handle anything that could come their way. Alas, the world is not perfect, however, and many YNAB'ers choose to incorporate an emergency fund category in their budget. Do you have to choose between having an emergency fund or living a month ahead? Of course not! Ben reminds us that even if you choose to setup your budget for month-ahead, you can always undo it and go back to an emergency fund. Or vice versa. The dollars are still there, however you decide to allocate them. Ernie recommends that you should take your emotions into account too. For many folks, including himself, it just feels better to have a big pile of money that you can see in one category. It offers a greater sense of security than seeing mulitple categories funded in the next month. So, really, you can't lose. If you've been thinking about going month-ahead, go for it! There's always the undo button. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
Budgeting is pretty fun already... if you're a budget nerd. But what's even more fun than reconciling your account, or assigning that fresh pay check that just hit your account? Making a game out of it! Ben and Ernie discuss the various ways they have "gamified" YNAB, to have some fun with the process, to hit stretch goals, and to improve their spending decisions and willpower when funds in a certain category get tight. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #64 - Real Life Debt Pay Down (Without the Guilt) 41:18
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Play Later Play Later Lists Like LikedBen and Ernie tackle the topic of paying off debt, with a different bent than the typical personal finance podcast or blog. Where many sources focus on paying debt off at all costs, using extreme measures or simply throwing every dollar at debt, Ben and Ernie prefer a paydown approach which focuses on your priorities. What is most important in your life? Find a way to continue doing those things, while cutting back on non-essential aspects of your life to free up money for debt pay down. Often this means deliberately paying off your debt slower than you could with a more extreme approach. And that's OK! Paying off large amounts of debt in a short time makes for great stories, but most of the time it leads to burnout and accumulating more debt. Throwing every dollar at debt can also leave you financially vulnerable, as you have no cash cushion available to handle unexpected expenses. To that end, Ben and Ernie share their own stories about paying off debt, what they were willing to give up to pay it off faster, and what they were NOT willing to give up. Their stories demonstrate that life can still go on, even when you're paying off debt! Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Ernie is hosting a live "Budget with Me" session on the Budget Nerds YouTube channel. Ernie will be sharing his actual budget and demonstrating his process for budgeting his April paychecks. The livestream will air on May 1, 2023 at 7:00pm Eastern here: https://www.youtube.com/live/AAAgGHPlC3k?feature=share If you missed it, you can still view the recording of the livestream on the Budget Nerds YouTube channel. Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com…
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It's Ben's turn! Ben shares a whopping 84 categories from his budget on today's show, from "BMI" to "sundries" (Ben's favorite word). Ernie will be budgeting LIVE on YouTube with his actual April paychecks, to show you his budget and his process. You can catch the livestream on May 1st at 7:00pm Eastern here: https://www.youtube.com/live/AAAgGHPlC3k?feature=share Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Ever wonder what Ben and Ernie's budget looks like, in detail? Today you'll find out! Ernie shares every category in his budget -- all 60 of them -- how he uses them, and how they developed over time. Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Ben and Ernie discuss the rich and diverse YNAB community across the web, from subreddits to Facebook groups to YNAB-hosted seminars and workshops. There are YNAB groups for multiple languages, YNAB groups for people with disabilities, and YNAB groups for people following other financial help programs. Whoever you are and whatever your background, there's almost certainly someone else out there using YNAB! YNAB Community Links YNAB main subreddit https://www.reddit.com/r/ynab/ YNAB (You Need a Budget) Fans! https://www.facebook.com/groups/YNABFans Friendly YNAB (You Need a Budget) Support https://www.facebook.com/groups/1401727190120850 Debt Bootcamp https://www.youneedabudget.com/debt-bootcamp/ More Money Challenge https://www.youneedabudget.com/moremoneychallenge/ #YNABCommunity (Instagram) Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
Ben and Ernie tackle the age-old question: can I afford it? Many people who are stressed about money face this question regularly, and without a solid plan for their money, there's not a good answer to the question. The answer usually comes down to this: how much money is in my bank account right now, how much do I owe right now (do some mental math), and is the remainder enough to buy this thing? As we all know, the bank balance and mental math approach to this question is a slippery slope, and prone to a lot of errors. But with a solid plan, following YNAB's Four Rules, you don't have to worry anymore! There's either money in the category for the thing you want to buy, because you assigned dollars to it already, or there's not. If there's not enough money in the category, then you can move money from other categories to see if there's enough to cover the cost -- and if you are OK with the tradeoff. Maybe you're OK with zeroing out your coffee budget for a month to buy this thing, whereas taking money from the rent category would obviously be a non-starter! Ben and Ernie go beyond the dollars and cents, however, and discuss the hidden costs of things. There are things with ongoing maintenance costs -- like Ernie and his lawn equipment -- then are things which have a potential non-monetary cost, like Ben's new One Wheel. When you ask the question "can I afford it," especially for big ticket items, it's important to consider all the angles! Ben and Ernie want to hear about your YNAB wins! Send them an email: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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ANNOUNCEMENT: Ben and Ernie are going LIVE on YouTube on Feb. 22, 3:00pm EST to chat with you and answer your questions. If you missed the Q&A, you can still watch the replay -- just head on over to the YouTube channel linked below. YouTube Live Q&A: https://www.youtube.com/live/TQgblkdkFVI?feature=share Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #58 - All About Pets with Hannah (Heard It From Hannah) 1:04:22
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Play Later Play Later Lists Like LikedBen and Ernie invite Hannah, from the popular YouTube budgeting show Heard It From Hannah, on to the show to talk about everyone's favorite topic -- pets! Dogs, of course, are man's best friend (sorry cat people), but they can also be expensive! If you own a pet, it's essential to include them in your budget plans. Ben, Ernie, and Hannah discuss the ways they have included their pets into the Four Rules, from things as simple as monthly kibble, to pet insurance, to unexpected surgical procedures. Watch Heard It from Hannah on Youtube: https://youtu.be/Lm5_9ps_zo0 Ben and Ernie want to hear about your YNAB wins! Send them an email: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #57 - Ben and Ernie Review Their 2022 Purchases 1:00:41
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Play Later Play Later Lists Like LikedThe good, the bad, the meh, and everything in between -- Ben and Ernie review their most memorable purchases in 2022. Ben discovers that tree management is actually a true expense (and not a small one at that), while Ernie battles rodents and fart spray at his house. Ben and Ernie want to hear about your YNAB wins! Send them an email: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
Simplification is kind of a running theme in Budget Nerds, but Ben and Ernie haven't done a whole show dedicated to simplifying -- simplifying the budget, your bank accounts, even your life! Today they discuss various ways they've tried to simplify their finances over the years, what has worked and what hasn't. Do I Need a Savings Account? by Ben Barlowe https://www.youneedabudget.com/do-you-even-need-a-savings-account/ Is It Bad to Keep Money in a Savings Account? by Matthew Amster-Burton https://www.youneedabudget.com/is-it-bad-to-keep-money-in-a-savings-account/ Ben and Ernie want to hear about your YNAB wins! Send them an email: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
Ben and Ernie look back at 2022 and discuss the themes for the year, celebrate some budgeting wins, and identify areas for improvement next year. Ben and Ernie want to hear about your YNAB wins! Send them an email: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #54 - Budgeting Together: A First Look at the New Feature "YNAB Together" 29:07
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Play Later Play Later Lists Like LikedBen and Ernie introduce the brand new YNAB feature "YNAB Together," which allows partners and families to share a budget via group login, with varying levels of permissions. During the extensive beta testing process, the YNAB team hammered out the many challenges of shared logins and permissions, but the process also revealed something unexpected -- shared budgets made partners and families feel connected with their money in a way that they never had before, when just one person "owned" the budget. YNAB Together: A Guide https://support.youneedabudget.com/en_us/ynab-together-B1nS78Cki How to Budget with a Partner https://www.youtube.com/watch?v=KVoNYf3Fm2Y Ben and Ernie want to hear about your YNAB wins! Send them an email: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
Budgeting is all about tradeoffs. Tradeoffs are built right into the Four Rules (in particular Rule One and Rule Three)! Ben and Ernie revisit the idea of tradeoffs in budgeting, and discuss the kinds of tradeoffs they had to make when they first started budgeting and the kinds of tradeoffs they find themselves making now as seasoned budgeters. Ben and Ernie want to hear about your YNAB wins! Send them an email: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #52 - The Other Little Habits of Successful YNABers 46:34
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Play Later Play Later Lists Like LikedLast year, Ben and Ernie shared the 6 Habits of Successful YNABers, but there's a lot little things they do which have made them effective budgeters over the long run. Today they share those little habits, and Ben finally spends money out of a category he's been funding for a loooong time. Ben and Ernie want to hear about your YNAB wins! Send them an email: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Ernie shares some big changes he's made to his budget recently, including revised categories, more hands-on input, LESS automation, and fresh goals. Ben and Ernie want to hear about your YNAB wins! Send them an email: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Before there were four rules, there were... no rules at all! Ben and Ernie take a trip in the Wayback Machine to collect every iteration of the YNAB Rules they could find, going all the way back to 2004 when Jesse started the company. As Jesse developed the ideas behind his budget spreadsheet, the rules start forming, but it took a few years before the rules as we know them today came into focus. The YNAB Team is always looking for ways to explain the YNAB method in clearer terms, but looking back at old versions of the Four Rules gives some insight into how the budgeting method and the software have changed over time. Ben and Ernie want to hear about your YNAB wins! Send them an email: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #49 - A Look Behind the API Curtain: Ben and Ernie Tour the YNAB API 37:59
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Play Later Play Later Lists Like LikedIs this the nerdiest Budget Nerds episdoe to date? Ben and Ernie take a tour of the YNAB API, the programming interface behind the YNAB software which allows app developers to interact with the software and build cool tools. They share some of their favorite API apps and offer suggestions for their dream features. Any developers listening out there? Ben and Ernie want to hear about your YNAB wins! Send them an email: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #48 - When the Budget Gets Boring: Budgeting in Between Priorities 44:16
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Play Later Play Later Lists Like LikedBen and Ernie discuss a listener question... what does your budgeting process look like when you're not chasing a goal? After you've paid off the debt, paid off the house, or achieved some other big financial goal, how do you stay on target and keep your head in the game? Ben and Ernie remind us that it's OK for the budget to be boring, but at the same time there are some ways to shake up your process and re-evaluate things even when you don't have a goal to drive your focus. Send Ben and Ernie your YNAB wins! budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Ben and Ernie celebrate the two year anniversary of hosting Budget Nerds, and share some of the important things they've learned doing the show. They also discuss some of the ways their budgeting habits have evolved since starting the show. Get your Budget Nerds sticker here! https://youneedabudget.typeform.com/budgetnerds Big shout out to Kalix who took Ben's jingle idea and made it into reality! You can write into the show at: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Ben and Ernie discuss what things made their "wish farm" list, that is, the purchases they have specifcally outlined in their budget, but haven't (necessarily) funded yet. The goal with the wish farm is to put pen to paper on things you really want to save for, and see if those desires are still there in the future when you can start to allocate dollars to them. Often the process of simply writing down the things you want can help you achieve clarity around your goals and the dollars you will give to your jobs. Write into the show! Tell Ben and Ernie about your killer trick, ask questions, suggest an episode topic, or share a YNAB win: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
Support specialist Kat joins the podcast to talk about managing credits in YNAB. Tracking and managing credit cards can be confusing in YNAB if you are new to the app, but Kat breaks down how credit cards work in zero-based budgeting and the nuances of how the YNAB app handles them. Ben and Kat also field some common questions from YNAB users about credit cards and credit strategies. Get in touch with the show: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #44 - Think You Know YNAB? Tips & Tricks from YNAB Masters 48:00
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Play Later Play Later Lists Like LikedBen and Ernie compiled a big list of YNAB tips, tricks, hacks, and expert-level moves from YNAB users across the world. Even if you think you know YNAB like the back of your hand... you are sure to learn at least one new thing in this episode! Write into the show! Tell Ben and Ernie about your killer trick, ask questions, suggest an episode topic, or share a YNAB win: budgetnerds@youneedabudget.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #43 - What's It Like to Work With a Bunch of Budget Nerds? 29:53
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Play Later Play Later Lists Like LikedWhat if you got to work with a bunch of other budget nerds? Wouldn't it be great to talk budgets and categories around the water cooler without feeling self-conscious? Money is a sensitive topic for many people, especially in the workplace, and unfortunately a lot of workers bring their money stress with them into work. To that end, Ben and Ernie discuss YNAB's new service Financial Wellness, which brings YNAB to companies as part of their employee benefits. Aftera all, YNAB the company is full of budget nerds so Ben and Ernie know what it's like to work with fellow nerds! If you're interested in bringing YNAB to your workplace, go to: https://www.youneedabudget.com/wellness/ Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #42 - Dining Out: Taming the Budget Blower! 46:29
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Play Later Play Later Lists Like LikedWhile the folks at YNAB have no opinion on how you should spend your money (that's a highly personal decision and up to you to decide), there's one thing that just keeps coming up: restaurants! Over and over again, new budgeters find that much of their money is being spent dining out at restaurants and ordering take out, and many of those budgeters decide to cut back on it after realizing this fact. So today Ben and Ernie continue their discussion on food spending by sharing their strategies for keeping the dining budget in control without depriving yourself too much. It turns out, you CAN eat out without blowing the budget, with a little bit of planning and some careful category management. Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #41 - Getting Nerdy with Groceries: Tips to Trim Your Budget 52:39
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Play Later Play Later Lists Like LikedIf you haven't noticed it you might actually live under a rock -- groceries have gotten expensive these days! Inflation has crept into nearly every crevice of the economy, but food prices in particular have risen drastically. If anyone's up to the task of managing the budget with high food prices, it's budget nerds, and in today's episode Ben and Ernie share their strategies for keeping your grocery category under control. One key takeaway -- it's OK to spend a lot of money on groceries! Health and nutrition are important, and many people choose to buy the best food they can afford, and consequently allocate a large portion of their budget to groceries. There's nothing wrong with that approach! YNAB is all about helping you spend your dollars according to your values, and healthy, high quality food can be one of your values too.…
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1 #40 - Q&A #3: Letting Kids Look at the Budget, How Many Categories Is Too Many, and More! 39:07
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Play Later Play Later Lists Like LikedBen returns to the show (with a very cute baby) and he and Ernie answer viewer-submitted questions. Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g
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1 #39 - Getting Nerdy with Investments in YNAB with Matthew Amster-Burton 27:29
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Play Later Play Later Lists Like LikedDid you know you can use YNAB to track your investments too? Former investment advisor and current YNAB team member Matthew Amster-Burton joins the show to talk about how he uses YNAB to get real nerdy with his investment accounts. Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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While Ben is out on paternity leave, Ernie invites Jesse Mecham -- the founder of YNAB and therefore the ultimate budget nerd -- onto the show to answer 73 questions about life, budgeting, and whether or not Jesse will ever fix his golf swing. Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #37 - Houses on a Budget: Buying, Renovating, Mortgages, and More with Erin 32:37
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Play Later Play Later Lists Like LikedErin Lowell, a lead educator at You Need A Budget, joins the show to replace Ben.... just kidding, Ben is irreplaceable! But while he's out on paternity leave, Ernie is hosting the show with guests. Erin has a LOT of experience budgeting, and a fair amount of experience buying and renovating houses, so she shares a recent experience buying a beautiful old home on a 15-year mortgage and renovating the kitchen on a budget, while managing the stresses of moving and being without a place to cook. Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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1 #36 - The Debt Question... Snowball or Avalanche? 27:23
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Play Later Play Later Lists Like LikedSpend a little time with budgeters working hard to pay off debt and you'll hear the question: should you use the snowball method or the avalanche method to pay off debt? Though there are fierce proponents of both methods, Ben and Ernie say... why not both? Ben shares his hot take on this controversial question, and they discuss a third method for paying off debt: the anger method! YNAB Debt Bootcamp https://www.youneedabudget.com/debt-bootcamp/ Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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Ben and Ernie confess their deepest, darkest budgeting habits in this episode, and share some confessions from listeners. Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g
YNAB is a very powerful and flexible tool, allowing you many ways to build and organize your budget. Unfortunately, that means for some people it can be overwhelming when you first start! Ben and Ernie remind us that the budget should reflect how YOU see your life -- your values and your priorities -- and once you start viewing the budget in this way, your categories will follow. Links: ‘Share Your Categories’ Reddit thread https://www.reddit.com/r/ynab/comments/skem1f/meta_share_your_categories_fortnightly_thread_for/ Budgeting Together https://www.youneedabudget.com/budgeting-together/ Budget Nerds YouTube Channel: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
Break out your checkbooks and flip to the transaction registry, it's time to reconcile your account! Wait, no, never mind -- who even uses a checkbook these days? Well, reconciliation is a word that starts glaze over many people's eyes, but it's actually a powerful tool for budgeting, and it doesn't have to be tedious or boring ! Ernie even reconciles in the bathtub! Linkies: https://docs.youneedabudget.com/article/1705-finding-your-cleared-bank-balance-reconciling https://docs.youneedabudget.com/article/166-reconciling-accounts https://docs.youneedabudget.com/article/1666-keeping-your-budget-accurate-on-mobile And a meme for good measure: https://www.facebook.com/iYNAB/photos/a.10150124831278703/10159139651953703 Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g…
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