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True Expenses and Investments?
The way I've been budgeting is that each month I put most of my income towards next month's expenses (so last month's paychecks are funding this month's regular expenses) and then anything extra is…
- J Shao
- theshaofamily
- 2 mths ago
- 9 replies
- 163
- 1
- MXMOM4 hrs ago
- Saving & Investing
How to stay disciplined with savings categories?
Hoping for advice on how best to stay disciplined with a savings goal. When budgeting each month, once the core goals/necessities are met, any extra goes into an Auto Purchase fund where we're…
- Silver Guitar
- Silver_Guitar.10
- 1 mth ago
- 9 replies
- 156
- Completely Christina21 hrs ago
- Saving & Investing
Maintaining savings accounts
I had savings that I built up for years. In the past month, I've had three different home repairs (leaky roof, leaky basement, water damage) that have made me spend a significant amount of my…
- Hot Pink Cornet
- Hot_Pink_Cornet.18
- 1 mth ago
- 2 replies
- 84
- 2
- Completely Christina21 hrs ago
- Saving & Investing
Transfer $ from Tracking to On-Budget Account
Hello. Can anyone please help me understand this. My scenario is as follows... 1) I deposit $1,000 into my checking account (on-budget) -when I run an income/expense report, I should have $1,…
- MandB
- MandB
- 3 wk ago
- 13 replies
- 139
- MXMOM4 days ago
- Saving & Investing
ETFCU and LMCU 3% checking - too good to be true? Worth it?
Hi all, I've been seeing buzz about two credit unions that have checking accounts with really high interest rates. Some slight hoops to jump through but not too bad - heard lots of folks do a trick…
- Silver Guitar
- Silver_Guitar.10
- 3 wk ago
- 8 replies
- 111
- RachelYNAB Support5 days ago
- Saving & Investing
How to invest $200,000?
I'm 22 and I recently inherited $200,000 and I'm wanting to invest it all. Any tips on how to invest it well?
- Lavender Nomad
- Lavender_Nomad.17
- 2 wk ago
- 5 replies
- 113
- Purple Foal9 days ago
- Saving & Investing
Do you allow true expenses to rollover from one year to another? For example, if you didn’t spend your home maintenance in full in that year
- bfadol
- bfadol
- 2 wk ago
- 3 replies
- 97
- Sky Blue Tape (mmille)2 wk ago
- Saving & Investing
Investment Accounts in the Budget
Currently my investment accounts are all configured as "Tracking" in YNAB —it's money I want to keep an eye on for net worth purposes, but its only real job right now is to grow until I need it many…
- Forest Green Viper
- Forest_Green_Viper.1
- 3 mths ago
- 17 replies
- 374
- nolesrule3 wk ago
- Saving & Investing
Series I Savings Bonds - should I budget for 3-month early withdrawal penalty?
Hi all, my wife and I have started moving some of our liquid on-budget savings over to Series I Savings Bonds, thanks to some super helpful advice on the forums here.…
- Silver Guitar
- Silver_Guitar.10
- 1 mth ago
- 4 replies
- 90
- Silver Guitar3 wk ago
- Saving & Investing
Figuring pension into Net Worth
Does anyone have any experience in this? My husband has 2 pensions. Both will be about the same upon retirement, but how do I figure that value into our Net Worth?
- journeymom
- Homebase CEO
- Blue_Panther_d36a44d0dc
- 3 yrs ago
- 12 replies
- 2,442
- My two cents1 mth ago
- Saving & Investing
Home Renovation: Use 1 Month Buffer, or 401K Loan?
My wife and I are new homeowners. We are doing some renovations on the house before we move in. Hey there! I'm looking for your perspective on something.…
- jestarr
- jestarr
- 1 yr ago
- 24 replies
- 190
- dakinemaui1 yr ago
- Saving & Investing
What are your true expenses categories?
I feel like I am always forgetting what my expenses are. Specifically these are things that I HAVE to pay at some point over the course of the year (that I am acccumulating savings for in…
- NewYNABer BostonGirl
- Cyan_Viper.1
- 3 yrs ago
- 47 replies
- 8,310
- 5
- bookyarncafe1 mth ago
- Saving & Investing
Looking for a financial planner who can work with me and my YNAB
Hi there! Wondering if anyone consults/knows of a financial planner who can advise and help me improve the way I do my finances using YNAB! I'm mainly focused on retirement planning and investing,…
- Orange Battery
- Orange_Battery.16
- 1 mth ago
- 1 reply
- 65
- SavingsMentor1 mth ago
- Saving & Investing
No point to medical insurance if on YNAB?
Maybe I'm being naive, or not seeing the full picture... but as I calculate costs of monthly medical insurance premiums, the deductibles, and the average costs of various medical procedures,…
- Cornflower Blue Barnacle
- Cornflower_Blue_Barnacle.8
- 2 mths ago
- 49 replies
- 500
- 1
- MXMOM2 mths ago
- Saving & Investing
Investing newbie: Buy shares through one exchange and transfer to another?
Hi, I am a total investing newbie. I'm re-reading Invest Like a Pro for the 2nd time, the first time was in 2019... and we all know what 2020 was like.…
- Richard B
- rmjb
- 2 mths ago
- 2 replies
- 40
- Richard B2 mths ago
- Saving & Investing
Setting a Goal for a Sinking Fund
So, I have a goal to save $199 to pay an annual fitness membership next year. I also have a monthly budget for other fitness related expenses. When I budget money into the category for the monthly…
- Hello Halo
- Hello_Halo
- 1 yr ago
- 4 replies
- 238
- Slate Blue Pilot (2903ac015cdb)2 mths ago
- Saving & Investing
Help: Vanguard target date fund adjustments
Hi YNABers, I am wondering if anyone knows if it's easy to switch the "target date" in a vanguard target date fund and whether or not that makes a difference for this scenario:…
- RC
- GIS
- rackey
- 3 mths ago
- 2 replies
- 70
- RC2 mths ago
- Saving & Investing
Help: How to figure out expense ratio/advisor fees?
Hi YNABers, I am trying to navigate the source and amts of fees I am paying for having just a regular brokerage/taxable held in TD Ameritrade, but facilitated by primerica.…
- RC
- GIS
- rackey
- 3 mths ago
- 2 replies
- 47
- RC2 mths ago
- Saving & Investing
How would you catagorize Crypto/Stocks?
Hello folks, a YNAB silent veteran here but I've actually hit something that stumps me on here. Over lockdown I have started to invest in Crypto and Dividend stocks as a way to diversify my…
- Grievesy
- Grievesy
- 3 mths ago
- 5 replies
- 139
- Superbone3 mths ago
- Saving & Investing
Advice on prioritizing after debt is gone
Hello everyone! My husband and I have paid off thousands of dollars in credit card debt and a car loan in the last few years and we are now debt free, except for the mortgage.…
- JennLynne
- JennLynne
- 3 mths ago
- 16 replies
- 175
- 2
- JennLynne3 mths ago
- Saving & Investing
A different way to look at YNAB (as a near term LMP)
If you're unfamiliar, the concept of a LMP or Liability Matching Portfolio, is a financial concept where a financial instrument is matched up with a particular liability due at some time in the…
- llbean
- llbean
- 6 mths ago
- 2 replies
- 194
- nolesrule3 mths ago
- Saving & Investing
Auto-assign when bank transfer occurs
I want to assign categories to a transfer so that I can assign money in my budget. Two examples: 1. I have an auto transfer setup at my bank to pay mortgage.…
- Magenta Nomad
- Magenta_Nomad.13
- 4 mths ago
- 9 replies
- 122
- casner3 mths ago
- Saving & Investing
Dollar-cost averaging, rebalancing and the disposition effect (invest like a pro)
I've been pondering the advice given in Invest like a Pro book, when doing the rebalancing based on risk strategy. Sell high, buy low, to return to the desired risk allocation.…
- Orchid Cyborg
- Orchid_Cyborg.9
- 1 yr ago
- 3 replies
- 155
- Beige Captain3 mths ago
- Saving & Investing
How Much Will You Have if You Save $1 Per Day?
Tell your kids to save a dollar a day and when they are 60 they will be a millionaire! How Much Will You Have if You Save $1 Per Day? # of Years Total Deposited Future Value at Various Rates of…
- MXMOM
- MXMOM
- 1 yr ago
- 4 replies
- 199
- 4
- Ceeses3 mths ago
- Saving & Investing
Savings vs. Investments - which do I use?
I have about two months income replacement saved up in my EF/IR fund. I have a similar amount saved up in my medical expenses, which is way more than I need,…
- Fuzzball Meows
- fuzzballmeows
- 4 mths ago
- 5 replies
- 78
- Fuzzball Meows4 mths ago
- Saving & Investing

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