Budget Nerds

Latest Episodes:

#106 - YouTube LIVE: Spendfulness and the 5 Questions Jan 04, 2025

Show notes

Happy New Year! On January 1, 2025, Ben and Ernie went live on YouTube to talk about some big changes at YNAB, and the unveiling of an important new word: spendfulness. Ben and Ernie review some of the history of YNAB and it's four rules, and how spendfulness is a whole new way of thinking about your spending.

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

Ben and Ernie LIVE on YouTube: Spendfulness and the 5 Questions Jan 01, 2025

Show notes

Some BIG changes are afoot at YNAB, and Ben and Ernie the Budget Nerds are going live on YouTube today at 1:00pm Eastern time to talk about them! Link below.

If you missed the livestream, we will post the full replay in the podcast feed shortly after it airs.

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

Budget Nerds LIVE at YNAB Fan Fest 2024 Salt Lake City Dec 18, 2024

Show notes

In September 2024, YNAB invited over 150 fans to Salt Lake City to celebrate the 20th annivesary of YNAB and enjoy the camaraderie of people with a passion for the YNAB method. Ben and Ernie were there, and hosted a live episode of Budget Nerds. In this bonus episode, they chat with Teisha and Katie, two budget nerds who have some excellent YNAB wins that demonstrate their resilience and the YNAB method in action.

Teisha went from living paycheck to paycheck to finally getting ahead and paying off her student loans after years of chipping away at them with little to show for it. Katie used the spending habits she learned using YNAB to support her acting career in Los Angeles (a notoriously expensive city) with a highly variable income. She also managed to get through the stressful process of having her car stolen with the help of her YNAB memos, where she stored vital information like VIN numbers and insurance information.

If you're interested in attending a future YNAB Fan Fest, there are more events coming in 2025! Check the link below to sign up for dates in San Diego, Minneapolis, and New York City.

Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW:

YNAB.com/events

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

#105 - Dealing with Major Financial Setbacks Dec 11, 2024

Show notes

Setbacks are a fact of life. Fortunately YNAB gives you the tools to be flexible with your spending plan. While we plan our spending based on normal months, life often has other ideas and our months often don't align perfectly to the "normal" or ideal. Some months, or even years, really don't align with our plans, and the unexpected expenses just keep piling up. In today's episode, Ben and Ernie talk about some of their financial setbacks in 2024, including tax withholding issues, major medical expenses, and a seemingly ever-increasing pet category.

Even veteran YNAB'ers have setbacks, but luckily YNAB doesn't just help you prepare for the unexpected, it teaches you to be resilient and brings calm in the storm when life decides to throw you curveballs.

Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW:

YNAB.com/events

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

#104 - Silly Things YNAB Makes Us Do Nov 27, 2024

Show notes

YNAB'ers are great people -- as evidenced by the camaraderie and stories heard at the recent YNAB Fan Fest in Salt Lake City -- but let's be honest... YNAB'ers can also do some weird things with their money! It's a testament to how powerful the YNAB method is, that many people make big, lasting habit changes around their money, but it comes with some funny side effects. In today's episode, Ben and Ernie take a look at some of the sillier things that YNAB'ers do, whether it's swiping their card three times at the grocery store to avoid splitting their transactions in the YNAB app, rationing toilet paper until the first of the month, or pumping gas until the meter reads a perfect aught-aught after the decimal.

Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW:

YNAB.com/events

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

Share your YNAB wins with Ben and Ernie!

budgetnerds@ynab.com

#103 - Fixing a Messy Budget Nov 13, 2024

Show notes

Today Ben and Ernie try something different: they are looking at a messy budget -- a VERY messy budget -- sight unseen and attempting to clean it up. This one is a doozy, with dozens of uncleared transactions, multiple accounts including credit cards, transfers between accounts, and even a cash account. As Ben points out early on, whenever you're dealing with a neglected budget like this, you have to start by reconciling first before you start assigning dollars and moving money between categories. So Ben and Ernie wade through each account, clearing transactions and reconciling, making sure that YNAB and the bank account balances agree. Once that is done, they can get to the fun part -- building a spending plan!

Of course, this is just a fun exercise for Ben and Ernie, and an opportunity for them to share their problem solving process in YNAB, but if your budget looks like this and you are overwhelmed, there is a MUCH easier solution! You can always make a fresh start, and work with a clean slate starting today. So don't think you have to untangle the Gordian knot to get your spending plans back in shape!

This episode leans heavily on screen sharing, so if you want to see Ernie navigate through the budget as he talks through the problems with Ben, be sure to watch the YouTube video at the link below:

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

Share your YNAB wins with Ben and Ernie!

budgetnerds@ynab.com

#102 - LIVE Q&A: New YNAB Features, Cash Only YNAB, Budgeting with Partners, and More! Nov 02, 2024

Show notes

Ben and Ernie hosted a Live Q&A on the YNAB YouTube channel on Oct. 30th, 2024. If you missed it, here's the full replay! They fielded questions from YNAB'ers and discussed some brand new YNAB features.

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

Share your YNAB wins with Ben and Ernie!

budgetnerds@ynab.com

Follow Ben B live on Facebook! @ynabofficial

Budget Nerds Are Going LIVE on YouTube - Oct 30th, 2024 Oct 30, 2024

Show notes

Ben and Ernie are going LIVE on YouTube at 1:00pm Eastern on October 30th, 2024. Come and join us! If you're tuning in after the Live show, the full replay will be posted to the podcast feed soon.

Budget Nerds on YouTube

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

#101 - Planning on a Variable Income, YNAB at Your Workplace, and Free Swag! Oct 16, 2024

Show notes

In today's episode, Ben and Ernie chat with Veronica Brashler, who is in charge of the Corporate Wellness program at YNAB. Veronica's YNAB story starts with working freelance as a wedding photographer with a highly variable, and seasonal income. Both she and her husband were self-employed at the same time, while raising a young family, and the stress of variable income was high. In her words, they felt like they always had to take the next job, because they weren't sure where the next paycheck would come from if they said no. This made it difficult to plan vacations or just take time off to relieve stress (during peak wedding season she would typically work multiple weddings every weekend!).

When she discovered YNAB, the stress relief was immediate. All of a sudden they had clarity around their true expenses, and how much was "enough." Today, Veronica helps others find this sense of relief with her work at YNAB. Her current job is to work with companies to provide YNAB to their employees as part of their benefits package. And she's brought lot of YNAB goodies for the Budget Nerds community!

#100 - The 100th Episode! Ben and Ernie Reflect Oct 02, 2024

Show notes

Today's episode is officially the 100th episode of Budget Nerds (if you count the YouTube episodes that were published before the audio podcast feed)! Ben and Ernie reflect on the past few years, the most and least viewed episodes, their favorite episodes, and the many YNAB wins they've had a chance to share and celebrate along the way.

Thank you for listening and supporting the show with your emails and comments. Here's to the next hundred!

Follow Ben B live on Facebook! @ynabofficial

Share your YNAB wins with Ben and Ernie!

budgetnerds@ynab.com

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g