Join the excitement as Ben and Ernie prepare for their upcoming live YouTube event on October 30th! They discuss the thrill of interacting with their audience in real time, encouraging everyone to participate. Expect lively discussions, insightful tips, and a chance to ask burning questions. If you miss the live event, don’t worry—there will be a replay available for later viewing!

Veronica Brashier, who manages the corporate wellness program at YNAB, shares her journey from freelance wedding photographer to financial wellness advocate. She discusses the stress of variable income while raising a family and how discovering YNAB transformed her financial planning. Veronica offers insights on incorporating YNAB into employee benefits, alongside enticing swag for those who advocate for it at their workplaces. She emphasizes the importance of budgeting for financial security and balancing family life amidst seasonal income fluctuations.

Celebrate a milestone as the hosts reflect on their journey to 100 episodes! They discuss memorable moments, budgeting adaptability, and strategies like monthly grocery shopping versus frequent trips. Discover insights from their least popular episodes and the value of budgeting for college students. They also share the joys of live community engagement, emphasizing the importance of simplicity in personal finance and the benefits of interactive content. Here's to more budgeting wins and financial empowerment!

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

Ben Markley, host of YNAB's Sketchy Advice series, brings his unique flair for financial wisdom to the discussion. He explores the playful side of budgeting, advocating for guilt-free latte purchases and using YNAB as a quirky gift card system. Markley also proposes that budgeting can incentivize household chores, making responsibilities fun with assigned values. The conversation dives into the joy of tabletop gaming costs and the psychology of spending, emphasizing how creativity can transform money management from a chore into a delightful experience.

Ben and Ernie tackle a variety of intriguing budgeting questions! They discuss the quirky concept of the 'matchy matchy game' and why it complicates things unnecessarily. Strategies for teaching kids about budgeting are explored, along with adapting financial plans as children grow. The importance of simplifying budget categories is highlighted, alongside the financial realities of raising independent kids. They emphasize the need for flexibility in financial goals while ensuring a healthy balance between investments and savings.

Jasmin Green, PhD student at UC Davis, shares insights on managing variable income in grad school with YNAB. Topics include budget categories, financial priorities, credit card management, rent expenses, bill organization strategies, and the benefits of budgeting for non-monthly expenses.

Learn how being a month ahead in budgeting alleviates stress and anxiety for YNAB users. Discover the benefits of financial stability, reduced mental load, and freedom to make decisions with confidence. Hear personal stories of empowerment and peace of mind achieved through this financial milestone.

Erin Lowell from YNAB encourages listeners to dream beyond paying bills, emphasizing the thrill of financial freedom. The podcast discusses breaking free from car payments, mortgages, holding onto money for options, building confidence in decision making, and YNAB's impact on personal growth.