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#118 - Getting the Most Out of YNAB
You don't have to be a power user for YNAB to help you gain control over your money, start loving the way you spend, and change your life. But there's a lot of power under the hood, and Ben and Ernie want to help you unlock it! In today's e
#117 - Ben and Ernie Fight!
Get your popcorn ready, because on today's episode Ben and Ernie are lacing up the gloves and going for 12 rounds! Twelve rounds of YNAB debate, of course. They have selected 12 YNAB hot topics and spend three minutes debating each one. Top
#116 - YNAB's Future Vision with CEO Todd Curtis
In today's episode Ben and Ernie talk with the man himself, Todd Curtis, long-time YNAB team member and CEO since 2021. Todd has been a YNAB'er going all the way back to the YNAB3 days, and served as a beta tester for an early Mac version o
#115 - How Heidi Overcame ADHD and Money Mistakes with YNAB
Today Ben and Ernie are joined by long-time YNAB'er Heidi to discuss her challenges of managing money with ADHD, and how she has used the YNAB method to reclaim control over her money. As Heidi explains, ADHD is characterized by impulsivene
#114 - How to Handle a Windfall
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 hel
#113 - How to Pay Off Debt The YNAB Way
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 f
#112 - Ben and Ernie Fix a Messy Budget! (YouTube Livestream Replay)
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 t
Budget Nerds LIVE on YouTube: Fixing a Messy Budget
Together they sail or sink! Today, March 26th at 3:00pm Eastern, Ben and Ernie will be livestreaming on YouTube and will attempt to fix a messy YNAB budget. This episode will have a heavy visual component, so you will want to watch it on Yo
#111 - What's Your YNAB Routine?
Like the cycles of the earth, Sun, and moon, YNAB'ers have cycles too! Daily, monthly, quarterly, even yearly, there are things to do to manage your spending plan. In today's episode Ben and Ernie share what they do in YNAB at every stop in
#110 - Is YNAB Worth It?
It's a common question for those not already committed to YNAB: is it really worth it? I mean, paying for a budgeting software? It's a legitimate question, and you can probably guess where Ben and Ernie land on answering it (of course!). To
#109 - Don't Make These Common YNAB Mistakes!
YNAB is an incredible tool for learning to love how you spend, but it does come with a learning curve. Ben and Ernie have taught thousands of folks how to use YNAB, and throughout their years working with newcomers a handful of common mista
#108 - Spendfulness: The Word We've Been Looking For All Along with YNAB Dave
In today's episode, Ben and Ernie are joined by Dave from YNAB, a YNAB teacher and contributor to many YNAB articles and blogs and a master of money analogies! Dave discovered YNAB while deeply in debt and making a move across the Atlantic.
#107 - You Can Start YNAB Whenever You Want
Starting YNAB is like starting anything else -- a new workout routine, new eating habits, learning a new skill -- you just have to jump in! Many people struggle to take the first step, however. In today's episode, Ben and Ernie discuss some
#106 - YouTube LIVE: Spendfulness and the 5 Questions
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, a
Ben and Ernie LIVE on YouTube: Spendfulness and the 5 Questions
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 sho
Budget Nerds LIVE at YNAB Fan Fest 2024 Salt Lake City
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 N
#105 - Dealing with Major Financial Setbacks
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 "norma
#104 - Silly Things YNAB Makes Us Do
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
#103 - Fixing a Messy Budget
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 cr
#102 - LIVE Q&A: New YNAB Features, Cash Only YNAB, Budgeting with Partners, and More!
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
Budget Nerds Are Going LIVE on YouTube - Oct 30th, 2024
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
#101 - Planning on a Variable Income, YNAB at Your Workplace, and Free Swag!
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 in
#100 - The 100th Episode! Ben and Ernie Reflect
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 fa
#99 - Ben Actually Changes His Budget
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
#98 - Many Goals, One Plan
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
#97 - What If YNAB Paid You to Use It? And Other Sketchy Ideas from Ben Markley (Sketchy Advice)
On today's episide Ben and Ernie welcome another Ben to the show -- Ben Markley, host of YNAB's Sketchy Advice series on YouTube. Ben has a reputation for striking metaphors and thought provoking ideas about money and putting YNAB's princip
#96 - Ask the Nerds: Grab Bag Edition
Ben and Ernie get a handful of recurring questions that aren't quite big enough topics to make into their own episode, but nevertheless deserve to be answered! In today's show, they tackle some of those questions, including: • What does Ben
#95 - Managing Variable Income as a Busy Graduate Student: Jasmin Green, PhD Student UC Davis
The Budget Nerds have covered the spending habits of a lot of married folks with families, but what about the single people out there? In today's episode, Ben and Ernie speak with Jasmin Green, a PhD student in the Department of Plant Scien
#94 - How Does It Feel to Be a Month Ahead? Budget Nerds Weigh In
Getting a month ahead with your money is a milestone for many YNAB'ers. Being a "month ahead" means that when the first of the month hits, all your bills and expenses for that new month are already paid for -- the money for them is sitting
#93 - Dream Bigger Than Your Bills!
Today Ben and Ernie are joined by returning guest and YNAB Lead Educator, Erin Lowell, who posed the idea of thinking bigger with your money. Many people come to YNAB seeking a way to escape the paycheck to paycheck cycle, pay down debt, bu
