It's not hard to see that many people struggle to manage their money. Most people are, well, frankly bad with money. That is not a value judgment, or a comment about their character or willpower, or anything like that! Managing money is a skill, and skills can be improved with practice and a little guidance. In today's episode Ben and Ernie present five signs indicating you are bad with money, and offer some practical advice to how to get better. (Hint: it involves giving every dollar a job).

The five signs:

1. You worry about everyday spending
2. Every inconvenience is an emergency
3. You live paycheck to paycheck
4. You don't set aside money for yourself
5. You don't change your plan

If any (or all) of these signs describe you, there is hope! Ben and Ernie used to feel like this too, and through the practice of giving their dollars jobs and thinking through what they needed their money to do for them, step by step, week by week, month by month, they improved and eventually got good with money.

You can too! If you need some help, YNAB is here:

https://www.ynab.com/nerds

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