Did 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). Ben and Ernie take a quick spin through the history of the Four Rules, going all the way back to the very first YNAB website in 2004.

Budget Nerds Episode #50: A Brief History of the YNAB Rules

Apple Podcasts

https://podcasts.apple.com/us/podcast/50-a-brief-history-of-the-ynab-rules/id1606054345?i=1000581636493

Spotify

https://open.spotify.com/episode/3AdIeFpt0ZfuM0kKEF8Yr0?si=d235636937564f38

Got a question for Jesse? Send him an email:

askjesse@ynab.com

Follow Ben and Ernie on the Budget Nerds Podcast

Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345

Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Ben and Ernie share their personal experiences talking to their partners about budgeting and YNAB. Every family is different, and every partnership will handle communicating about money and budgeting differently, but the important thing is that you do it! Frequent, regular money conversations help everyone stay on the same page and focused on the same goals, whether one person manages all the YNAB details or each person shares equally in that task.

Got a question for Jesse? Send him an email:

askjesse@ynab.com

Follow Ben and Ernie on the Budget Nerds Podcast

Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345

Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

It's peak vacation season, so Ben and Ernie are comparing notes on handling the vacation budget in the moment. One the one hand, you want vacation to be vacation -- a time to unplug, be in the present moment, engaged with your family and friends. On the other hand, waiting until the end of the trip to categorize all your transactions can be overwhelming! Ben and Ernie share their approach to managing the transaction log without going crazy or burying your face in your phone the whole trip.

Got a question for Jesse? Send him an email:

askjesse@ynab.com

Follow Ben and Ernie on the Budget Nerds Podcast

Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345

Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Reconcile your budget, that is! Ben and Ernie discuss their budget reconciliation habits, and make a case for why you should reconcile every day, especially if you are new to YNAB.

Got a question for Jesse? Send him an email:

askjesse@ynab.com

Follow Ben and Ernie on the Budget Nerds Podcast

Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345

Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Ben and Ernie share a tip for making the budget feels a little less constricting -- leave a little margin in your categories! This is not an emergency fund, Ben says, but a way to give yourself some flexibility and fun.

Got a question for Jesse? Send him an email:

askjesse@ynab.com

Follow Ben and Ernie on the Budget Nerds Podcast

Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345

Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com