The YNAB Method

Learn YNAB’s Rule Three: Roll With the Punches

Debt Is Not the Only Option

Imagine what life would be like if you never had to lean on your credit card and could avoid debt. That's the power of planning.

What Is the Ideal Age of Money?

Rule Four tells you to Age Your Money. The idea is that you have money before you need money. But, how old is old enough? Well, it depends …

What Does it Mean to Age Your Money?

Aging Your Money means getting to a point where you're living on money that you earned last month. We'll show you how to do it!

What are True Expenses?

True Expenses in YNAB are non-monthly bills and expenses like auto insurance, holiday gifts, or a tuition bill.

If You Aren’t Changing Your Budget, You’re Doing It Wrong

Change your budget as you need to. It will actually keep you going. Instead of feeling like a failure, you'll feel like you're winning.

Why Zero-Based Budgeting Works

Zero-based budgeting reduces financial stress by eliminating uncertainty. Learn why giving every dollar a job creates clarity, confidence, and control.

Why Embracing Your True Expenses is Everything

As you pull together your list of larger, less frequent expenses, you can start estimating what they will cost and plan for them.

How Old Is Your Money?

No financial number offers a complete picture of your financial stability or flexibility. Learn what the age of money says about your budget.

What is a Sinking Fund & How To Set One Up

What is a sinking fund? It's when you set aside a money each month to prepare for non-monthly expenses. Learn how to set one up!

What Is Zero-Based Budgeting?

A zero based budget is about the most boring, uneventful thing you can possibly imagine with your money. It’s so simple, anyone can do it.

I Hate Debt, But the Reasons Why Might Surprise You

I hate debt, and the reasons might surprise you. Learn how debt restricts financial freedom through the lens of the YNAB Method.