Since starting YNAB, the way I handle money has totally changed. I used to just track my spending, but now I actually budget. I know where every dollar is going, I save with intention, and I don’t feel guilty when I spend—because it’s all part of the plan. Honestly, I can’t imagine using anything else.
Think budgeting is too hard or time-consuming? I break it down into simple steps—starting with just tracking your spending. Learn how to see where your money actually goes, categorize your expenses, and lay the foundation for a realistic, personalized budget.
Do you really need a traditional emergency fund if you're using YNAB? I explore why getting a month (or two) ahead in your budget might be a better strategy—and how YNAB’s four rules can prepare you for any financial emergency.
Tired of hearing millennials blame their parents for not teaching them about money? We need to call out the excuses and emphasize personal responsibility. With 20 years of financial info at our fingertips, it’s time to stop blaming and start learning. Many of us already have.