It looks like you're located in Australia.
We have an Australian version of our website.

Please confirm your location and we’ll send you to the appropriate site!

Personal Finance

Personal Finance

Dig into the big picture with these personal finance topics for a holistic look at growing your wealth.

Dig into the big picture with these personal finance topics for a holistic look at growing your wealth.

Let’s talk personal finance

5 Healthy Money Habits

Want to transform your financial life? Focus on these small healthy money habits today, and the effects will compound for your future.

8 Ways Rich People Think Differently

Ever wondered how rich people think differently? See the key factors in how they built their wealth and start putting them into practice.

6 Myths That Could Be Holding You Back Financially

We had the best of intentions, but it always goes off the rails. What if the real problem was that we've bought into lies that keep us stuck?

The Difference Between Spending and Swiping (And How to Fix It!)

Ernie Reppe
|
February 26, 2026

You check your account before buying. You're not living extravagantly. So why does money still feel so stressful? Turns out, most of us were never taught how to spend money—we only learned how to swipe. And there's a huge difference between the two.

Why Wishful Thinking Makes You Bad At Money

Emily Hudson
|
February 10, 2026

I tried hoping my money situation would improve. I tracked my spending, color-coded my spreadsheet, and crossed my fingers. Here’s why none of that worked—and what finally did.

How to Become a World Champion with Money

Ernie Reppe
|
February 5, 2026

Getting good at money is a lot like building a championship football team—you need a solid game plan and the flexibility to adjust. Learn how YNAB helps you cover the basics, plan for surprises, and build a money life you’re proud of.

This Is Not About Whole Life Insurance

Dan Cayer
|
January 9, 2026

After receiving a glossy sales package from a financial advisor, the author realizes that the discomfort wasn’t about life insurance, but about not being in touch with their money. Avoiding day-to-day financial awareness undermines your confidence and causes you to miss the small, meaningful opportunities to move forward.

How to Worry-Proof Your Money in 2026

Emily Hudson
|
January 1, 2026

If money worry is running the show, it’s time to change the script. Emily walks you through how YNAB helps you get good at money—so you can stop guessing, start feeling in control, and finally enjoy your money without the stress.

I Thought I Was Good With Money. I Was Wrong.

Erin Lowell
|
December 2, 2025

Worried about money despite doing everything "right"? Erin reveals how to transform your financial stress into confidence and finally give your dollars a purpose.

Debt vs. Month Ahead: What to Tackle First

Ernie Reppe
|
November 20, 2025

Should you pay off debt or get a month ahead first? The Budget Nerds weigh the pros and cons of each approach, showing how both can help you build confidence and peace with your money. A calmer money life is just ahead...

7 Habits That (Quickly!) Changed Our Money Forever

Ernie Reppe
|
October 16, 2025

There's a reason it went viral on YouTube! These seven habits Ben and Ernie swear by will transform how you handle money. Try one, feel the difference, then stack the rest when you’re ready.

Retiring Fearlessly: Building Confidence and Clarity

Matthew Amster-Burton
|
October 14, 2025

Worried about whether you can really retire? You’re not alone. Matthew shares how real YNABers used their spending plans to get good with money and step into retirement with confidence.

The Problem With “Just Earn More”

Dan Cayer
|
September 25, 2025

Tired of waiting for a worry-free financial future? Dan shares how to ditch the “just earn more” mindset. Find peace now by embracing what you have and making intentional choices—no raise required.

What Is Financial Wellness—and How Do You Actually Achieve It?

Ben Barlowe
|
July 10, 2025

Discover what financial wellness really means and how to achieve it. Learn how YNAB helps you reduce stress, build confidence, and spend with purpose.

The Hidden Cost of Convenience: Why “Buy Now, Pay Later” Could Be Hurting Your Financial Health

Dan Cayer
with Ben M.
|
May 15, 2025

DoorDash and Klarna now let you finance a burrito. But at what cost? Discover what gets lost when there's no friction to impulse buying, and how you can create intentional spending habits.

What is a High Yield Savings Account?

Matthew Amster-Burton
|
April 30, 2025

Learn more about the ever-popular high-yield savings account and how saving the YNAB way will lead to a more spendful future.

How Much of My Paycheck Should I Save?

Ben Barlowe
|
April 8, 2025

Many aim to save a certain amount of their paycheck, but there is a better way. Rather than focusing on how much of your paycheck to avoid spending, try asking “How do I want to spend my money?” instead.

How to Make Your Money Go Further (Without Making More)

Jack Silk
|
February 27, 2025

You deserve to get the most from your money. That’s why it’s vital to squeeze maximum satisfaction from every precious paycheck. Jack tells you how.

Wondering What to Do With a Tax Refund?

Ashley McCann
|
February 24, 2025

Wondering what to do with a tax refund? Consider these four ways to put your tax refund to work for your future.

Tax Time Prep Made Easy

Ashley Gutierrez Siler
|
February 7, 2025

Tax time prep just got easier. We've got some tips and tricks to keep your financial information organized for tax time using YNAB features!

How Money Can Buy Happiness—Wait, What?

Ben Barlowe
|
January 6, 2025

New research has questioned the ubiquitous idea that money doesn’t make you happier once you reach $75,000 and suggests that the real secret is in how you spend, not how much you make.

New Year, Same You?

Jack Silk
|
January 2, 2025

Money worry is out. Spendfulness is in! Jack S. shares how to make strides—without any radical changes—and find yourself financially this year.

Don’t Separate Money and “Life”

Dan Cayer
|
December 19, 2024

You work too hard to not care or appreciate how you spend. Dan weighs in on how YNAB breaks down is the artificial barrier between money and the rest of... you.

What is Money Dysmorphia and How to Free Yourself

Ben Barlowe
|
September 26, 2024

Money dysmorphia is a financial fog that is plaguing the masses! The YNAB Method can help you dispel the fear, face reality, and discover what you want most out of life.

Can You Pay Me Back? How to Handle Money with Friends

Dan Cayer
|
September 23, 2024

Feeling uneasy about asking friends or family to pay you back? You’re not alone. Discover practical tips from YNAB on how to handle these tricky situations with confidence and clarity.

4 Reasons Why You Really Ought to Keep the Change

Ben Barlowe
|
September 5, 2024

Transaction rounding apps and services promise to help you save by removing you from the process. But does that really lead to long-term life change?

Stretch Your Dollars—Without the Stress

Matthew Amster-Burton
|
June 24, 2024

Money doesn't have to be messy. Follow Matthew's 5 steps for to make the most of your dollars and replace chaos with clarity, even in tough financial times.

No articles found

Adjust the filters or reset to view all articles