ANNOUNCEMENT: Ben and Ernie are going LIVE on YouTube on Feb. 22, 3:00pm EST to chat with you and answer your questions.

If you missed the Q&A, you can still watch the replay -- just head on over to the YouTube channel linked below.

YouTube Live Q&A:

https://www.youtube.com/live/TQgblkdkFVI?feature=share

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

Ben and Ernie invite Hannah, from the popular YouTube budgeting show Heard It From Hannah, on to the show to talk about everyone's favorite topic -- pets! Dogs, of course, are man's best friend (sorry cat people), but they can also be expensive! If you own a pet, it's essential to include them in your budget plans.

Ben, Ernie, and Hannah discuss the ways they have included their pets into the Four Rules, from things as simple as monthly kibble, to pet insurance, to unexpected surgical procedures.

Watch Heard It from Hannah on Youtube:

https://youtu.be/Lm5_9ps_zo0

Ben and Ernie want to hear about your YNAB wins! Send them an email:

[email protected]

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

The good, the bad, the meh, and everything in between -- Ben and Ernie review their most memorable purchases in 2022. Ben discovers that tree management is actually a true expense (and not a small one at that), while Ernie battles rodents and fart spray at his house.

Ben and Ernie want to hear about your YNAB wins! Send them an email:

[email protected]

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

Simplification is kind of a running theme in Budget Nerds, but Ben and Ernie haven't done a whole show dedicated to simplifying -- simplifying the budget, your bank accounts, even your life! Today they discuss various ways they've tried to simplify their finances over the years, what has worked and what hasn't.

Do I Need a Savings Account? by Ben Barlowe

https://www.youneedabudget.com/do-you-even-need-a-savings-account/

Is It Bad to Keep Money in a Savings Account? by Matthew Amster-Burton

https://www.youneedabudget.com/is-it-bad-to-keep-money-in-a-savings-account/

Ben and Ernie want to hear about your YNAB wins! Send them an email:

[email protected]

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

Ben and Ernie look back at 2022 and discuss the themes for the year, celebrate some budgeting wins, and identify areas for improvement next year.

Ben and Ernie want to hear about your YNAB wins! Send them an email:

[email protected]

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

Ben and Ernie introduce the brand new YNAB feature "YNAB Together," which allows partners and families to share a budget via group login, with varying levels of permissions. During the extensive beta testing process, the YNAB team hammered out the many challenges of shared logins and permissions, but the process also revealed something unexpected -- shared budgets made partners and families feel connected with their money in a way that they never had before, when just one person "owned" the budget.

YNAB Together: A Guide

https://support.youneedabudget.com/en_us/ynab-together-B1nS78Cki

How to Budget with a Partner

https://www.youtube.com/watch?v=KVoNYf3Fm2Y

Ben and Ernie want to hear about your YNAB wins! Send them an email:

[email protected]

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

Budgeting is all about tradeoffs. Tradeoffs are built right into the Four Rules (in particular Rule One and Rule Three)! Ben and Ernie revisit the idea of tradeoffs in budgeting, and discuss the kinds of tradeoffs they had to make when they first started budgeting and the kinds of tradeoffs they find themselves making now as seasoned budgeters.

Ben and Ernie want to hear about your YNAB wins! Send them an email:

[email protected]

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

Last year, Ben and Ernie shared the 6 Habits of Successful YNABers, but there's a lot little things they do which have made them effective budgeters over the long run. Today they share those little habits, and Ben finally spends money out of a category he's been funding for a loooong time.

Ben and Ernie want to hear about your YNAB wins! Send them an email:

[email protected]

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

Ernie shares some big changes he's made to his budget recently, including revised categories, more hands-on input, LESS automation, and fresh goals.

Ben and Ernie want to hear about your YNAB wins! Send them an email:

[email protected]

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

Before there were four rules, there were... no rules at all! Ben and Ernie take a trip in the Wayback Machine to collect every iteration of the YNAB Rules they could find, going all the way back to 2004 when Jesse started the company. As Jesse developed the ideas behind his budget spreadsheet, the rules start forming, but it took a few years before the rules as we know them today came into focus.

The YNAB Team is always looking for ways to explain the YNAB method in clearer terms, but looking back at old versions of the Four Rules gives some insight into how the budgeting method and the software have changed over time.

Ben and Ernie want to hear about your YNAB wins! Send them an email:

[email protected]

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g