by You Need a Budget
Personal finance experts Ben Barlowe and Ernie Reppe get nerdy with numbers as they share budgeting tips, strategies for categorizing transactions, and lessons learned from using the revolutionary budgeting system known as You Need a Budget.
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🇺🇲
Publishing Since
1/12/2022
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April 23, 2025
<p>Many of us approach YNAB from a position of scarcity, at least at first. We don't have enough money to do all the things we want to do, and we're living paycheck to paycheck. Giving every dollar a job and working through the 5 Questions helps us gain clarity about what our money needs to do for us, and finally get our financial life on track. But what if you have a surplus of money fall into your lap unexpectedly?</p> <p> </p> <p>Windfalls are wonderful, sometimes life changing, but they can be stressful too. Especially if you haven't done the work of getting clear about your priorities and giving your dollars a job, suddenly receiving a large sum can be overwhelming and intoxicating. Ben likens windfalls to a poker concept called "winner's tilt." Players who are winning and watching the action through a tall stack of chips often end up playing more loosely and taking more risks. In theory, they should be playing with the same strategy as what won in the first place, but overconfidence and the security of playing with a large bankroll leads to riskier play.</p> <p> </p> <p>Luckily the YNAB method works for windfalls too! When you know your priorities, and you have a plan for your money, it's much easier to handle a windfall without frittering it away or stressing about doing something special with it. In today's episode, Ben and Ernie discuss windfalls they have received in their life and lessons they have learned from the experience.</p> <p> </p> <p> </p> <p><strong>Follow Budget Nerds on YouTube</strong></p> <p>Budget Nerds Livestreams: <a href= "https://www.youtube.com/@YNABofficial/streams">https://www.youtube.com/@YNABofficial/streams</a></p> <p>Budget Nerds Episodes: <a href= "https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g">https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g</a></p> <p> </p> <p><strong>Share your YNAB wins with Ben and Ernie!</strong></p> <p><a href= "mailto:[email protected]">[email protected]</a></p> <p> </p> <p><strong>Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW:</strong></p> <p><a href="https://ynab.com/events">YNAB.com/events</a></p>
April 9, 2025
<p>It has been a while since Ben and Ernie have done an old fashioned debt payoff episode, but it's still one of the hottest topics when it comes to personal finance. And in their veiw, at least, paying off debt is where most of the personal finance world gets it wrong. YNAB has a unique method for paying off debt with an emphasis on sustainability and maintaining motivation. The key is to learn how to plan for future large and less frequent expenses so that you don't continue to get into more debt.</p> <p> </p> <p>Another key is to remember that we are humans, not numbers. So while the personal finance sphere may dive into the deep end of working out the math on interest rates and pay down schedules, at the end of the day it doesn't matter if you can't sustain your pay off plan. To that end, Ben and Ernie offer YNAB's four step process for paying off your debt without going crazy and without living like a monk. There's even room for fun money!</p> <p> </p> <p> </p> <p><strong>Follow Budget Nerds on YouTube</strong></p> <p>Budget Nerds Livestreams: <a href= "https://www.youtube.com/@YNABofficial/streams">https://www.youtube.com/@YNABofficial/streams</a></p> <p>Budget Nerds Episodes: <a href= "https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g">https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g</a></p> <p> </p> <p><strong>Share your YNAB wins with Ben and Ernie!</strong></p> <p><a href= "mailto:[email protected]">[email protected]</a></p> <p> </p> <p><strong>Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW:</strong></p> <p><a href="https://ynab.com/events">YNAB.com/events</a></p>
March 29, 2025
<p>Ben and Ernie are back again to fix a very messy budget, and this time they are doing it live! This is a replay from their YouTube livestream on Mar 26th, 2025. There is a strong visual component to this episode, so we recommend you watch the replay on YouTube (link below), but we are posting the audio on the podcast feed as well.</p> <p> </p> <p><strong>Messy Budget Livestream Replay:</strong></p> <p><a href= "https://www.youtube.com/live/tjK_lxpdVm0?si=EGTA5iMo6oyJ3jrL">https://www.youtube.com/live/tjK_lxpdVm0?si=EGTA5iMo6oyJ3jrL</a></p> <p> </p> <p> </p> <p><strong>Follow Budget Nerds on YouTube</strong></p> <p>Budget Nerds Livestreams: <a href= "https://www.youtube.com/@YNABofficial/streams">https://www.youtube.com/@YNABofficial/streams</a></p> <p>Budget Nerds Episodes: <a href= "https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g">https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g</a></p> <p> </p> <p><strong>Share your YNAB wins with Ben and Ernie!</strong></p> <p><a href= "mailto:[email protected]">[email protected]</a></p> <p> </p> <p><strong>Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW:</strong></p> <p><a href="https://ynab.com/events">YNAB.com/events</a></p>
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