Share YNAB Rule 3: Roll with the punches

Copy link

March 07, 2024

YNAB Rule 3: Roll with the punches

35 minutes

Best-laid plans rarely survive contact with reality, but getting your budget to reflect reality is where the clarity comes from.

Tyler and Steve have both had aspirationally-too-small budgets for groceries and eating out. What to do?

Rule 3 empowers you to get your budget to show what's actually happening and align the way you spend your money with the things you actually, truly value.

(00:00) - Dogs and their exercise

(03:39) - Where contact sports intersect with personal finance

(06:11) - Underestimating groceries

(10:17) - Reflecting reality is the goal

(13:48) - Your priorities change all the time

(18:12) - Where is the money going to come from?

(19:51) - Can you roll with the punches too much?

(22:05) - Conscious tradeoffs

(23:50) - "Recent moves" feature

(27:31) - Modifying behavior, not just changing a number

(30:29) - Honesty and alignment

---
Steve Nay:

https://daybreaktax.com/
https://www.linkedin.com/in/nsteven/

Tyler Smith:

https://www.tylersmith.io/
https://www.linkedin.com/in/tylersmith-io/

...more

View all episodes

By Steve Nay and Tyler Smith