Sign up for a free 34-day trial of YNAB at ĭid you know that YNAB's Four Rules weren't always four? And contrary to popular belief, they did not spring forth from Jesse's head fully formed! No, the Four Rules developed over years as Jesse refined and clarified the YNAB method behind the software (and originally, the spreadsheet).
Got a question for Jesse? Send him an Ben and Ernie on the Budget Nerds Podcast And understand that money stress happens to everyone, and that's OK! That's the takeaway: don't be too precious with the budget you've created, even if it has served you well for a long time. Money stress started building - even veteran YNAB'ers are not immune to it! - and he realized the budget was no longer serving his needs. Ernie shares how he blew up his budget and started over after a series of home renovation projects and medical bills started taxing his existing category balances. That means the budget needs to change with your life. Life is dynamic, and sometimes those needs change! But as Jesse has said over and over on the podcast, the budget really exists to serve your needs and help you prioritize your spending in accordance with your values.
YNAB'ers are creatures of habit, and many of us enjoy the budgets we have created and honed over the years as neat pieces of work in themselves. Ernie is running solo today, and sharing some recent developments in his financial life that have made him rethink his budget entirely.
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