3min chapter

The YNAB Podcast cover image

Ask Jesse: Save for Cars or Pay Down Mortgage, Debt Consolidation, and How Do You Know When to Spend?

The YNAB Podcast

CHAPTER

What's Your Most Unusual Repeating Category?

Jesse: Hit a minimum like a hit, like kind of a low watermark with the car or cars. Then once you hit the low watermark, slow that down a lot. Get by 80%, throw the 80% over to the mortgage and then just slowly build it. So if you do need to replace the car soon, you'll be able to do it without borrowing any money. Jesse: I like to have one and done categories more than I like to resurrect categories and use the same one again.

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