YNAB'er Elizabeth wrote into the podcast asking for clarification of Rule Three -- can you use it too often?

Simply put, If you aren't reaching your goals, Jesse says, you're misusing Rule Three. If you aren't saving the money you thing you should be saving, then Rule Three has become an escape hatch for your budget, instead of an empowering tool.

Scarcity is a powerful motivator for budgeting. Embracing the fact that you have limited dollars, and that you cannot rob from your future self to pay unexpected expenses today, means you will have to become comfortable saying "no."

If you'd like to write into the show, email Jesse your questions at [email protected].

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