

ADHD Meets the Budget Nerds: Give Every Dollar with a Job with Ben and Ernie
10 snips Sep 18, 2025
This week’s guests are Ben Barlowe and Ernie Reppe, the dynamic duo behind YNAB's Budget Nerds. Ben, a seasoned YNAB teacher, helps people infuse purpose into their finances, while Ernie brings practical budgeting advice from his own journey with YNAB. They dive into the unique challenges ADHD presents in managing money, emphasizing that budgeting doesn't have to be restrictive. Discover the empowering concept of giving every dollar a job, practical tips for building financial routines, and ways to make money management feel less daunting.
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Give Every Dollar A Purpose
- Give every dollar a job: assign purpose to each dollar before you spend it.
- Breaking your bank balance into category "envelopes" makes spending decisions concrete and calm.
Showing Kids Money Limits Worked
- Ben showed his two-year-old there was no money in the entertainment category and the child accepted it.
- That moment showed how categories teach values without shame.
Swap Rules For Questions
- YNAB reframed four rules into plain questions to reduce shame and increase clarity.
- Asking questions helps people find their own answers instead of following rigid rules.