Budget Nerds

Get ready for a lively debate as two hosts face off in a 12-round YNAB showdown! They hilariously discuss the relevance of emojis in budgeting, weigh the pros and cons of linking financial accounts, and explore the classic manual versus automated budgeting battle. Discover their thoughts on budget assignment strategies and the ongoing struggle between YNAB and spreadsheets. The conversation is filled with personal anecdotes, playful banter, and tips on mastering budgeting for financial success!

Todd Curtis, CEO of YNAB and a dedicated user since 2008, shares his journey from beta tester to leader of the budgeting platform. He discusses the evolution of YNAB's philosophy towards planning and the significance of new features that simplify budgeting for users. Todd highlights the concept of 'Spendfulness' and the innovative approaches YNAB is taking to enhance financial management, making it a more positive experience. He also reveals insights into user feedback shaping the app's future and how personal values can transform budgeting.

Heidi shares her journey of managing finances with ADHD, revealing her struggles with impulsive spending and variable income. The transformative power of the YNAB method shines through as she explains how it provided structure and clarity. She deliciously coined the term 'ADHD tax'—a safety net that allows for controlled impulsiveness in budgeting. The conversation delves into the benefits of community support in financial literacy and highlights the emotional security achieved through thoughtful spending. Tune in for practical strategies and personal insights!

Unexpected financial windfalls can be both thrilling and overwhelming. The hosts discuss the concept of windfalls, from minor bonuses to substantial inheritances, and the importance of thoughtful planning in managing these gains. They explore the emotional challenges that come with sudden wealth, advocating for reflective decision-making before spending. Budgeting strategies from the YNAB method offer practical guidance, emphasizing intentional spending on both immediate pleasures and long-term goals. Personal anecdotes illustrate the balance between enjoying windfalls and maintaining financial discipline.

Discover a refreshing approach to debt repayment that prioritizes sustainability and motivation. The hosts tackle the emotional hurdles of managing loans and the significance of understanding your personal debts. They emphasize budgeting essentials before aggressive debt strategies, and highlight the importance of embracing savings alongside debt. With techniques like the snowball and avalanche methods, listeners gain insights into personalized budgeting tools and success stories, all while keeping financial management enjoyable and stress-free!

Join Ben and Ernie as they tackle a chaotic budget live, emphasizing teamwork in financial planning. They revisit success stories of paying off debts while dreaming of family vacations. Discover budgeting strategies for new parents, and learn how to reconcile discrepancies with ease. The hosts share personal anecdotes about managing credit card complexities, highlighting the importance of accurate expense tracking. Plus, they discuss the benefits of flexible budgeting and promote an exciting upcoming FanFest event!

Ben and Ernie dive into the chaotic world of budgeting as they prepare for a live challenge to fix a messy YNAB budget. Reflecting on previous successes, they entice listeners to join the interactive experience. This engaging session promises laughs and insights, perfect for anyone looking to tame their finances. Don't miss the chance to see the magic unfold on YouTube!

Dive into the world of budgeting with fascinating insights on establishing a strong financial routine. Discover how daily practices and monthly check-ins enhance accountability and foster teamwork in financial planning. Get tips on handling unexpected costs like battery expenses and learn about strategies for effective paycheck assignments. Laugh along as couples share their humorous budgeting dynamics and celebrate the joy of starting fresh each year with a revamped financial plan. It's all about mastering your money and celebrating those wins!

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

Discover the common pitfalls that new YNAB users often face. The hosts dissect the cycle of reactive budgeting and stress the importance of proactive financial management. They emphasize the significance of every dollar’s role in your budget and offer practical tips for effective tracking. Personal stories reveal the joys of financial stability, while a listener celebrates paying off a student loan through smart budgeting. Tune in for insights on navigating the psychological challenges of budgeting and finding joy in the journey!