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  • What to do with large inheritance based on our situation?

    Hi all, my wife and I learned that we're fortunate to be be receiving a large inheritance from her recently deceased grandmother, likely in the realm of $50,000-$60,000.…
    • Silver Guitar
    • Silver_Guitar.10
    • 4 days ago
    • 12 replies
    • 152
    • Silver Guitar2 days ago
    • Saving & Investing
  • Being Realistic About Saving (and Spending)

    I ended March with a lump sum of money that I couldn't decide what to do with... Put it into my income replacement savings fund or... Be realistic and divide at least some of it amongst…
    • Pineapple Gal
    • Goal-Getter
    • Orchid_Wrench.11
    • 8 days ago
    • 1 reply
    • 81
    • 4
    • Pineapple Gal8 days ago
    • Saving & Investing
  • Easy way to budget interest earned into Savings Account?

    Assume I have a long-term savings account/goal in a budgeted account (Project X Savings). I've already budgeted everything in the account to that Project X,…
    • Doctor J
    • Doctor_J
    • 1 yr ago
    • 3 replies
    • 423
    • 1
    • dakinemaui1 yr ago
    • Saving & Investing
  • Account Balance Doesn't Equal Money in Budgetted Categories

    Hello, All figures hypothetical.. Every payday, I review my earnings. For example, my balance left over before pay day is $500 and I get paid $3000. I review my bank account and YNAB and see that my…
    • Sea Green Tugboat
    • Sea_Green_Tugboat.9
    • 1 yr ago
    • 16 replies
    • 369
    • chicagouser2 wk ago
    • Saving & Investing
  • New to investing. Should I open an IRA?

    For reference, I'm 22 and self-employed, so no 401(k) or other employer-sponsored retirement plan for me. Every year at tax time, I think about contributing to a traditional IRA for the tax…
    • Pineapple Gal
    • Goal-Getter
    • Orchid_Wrench.11
    • 2 wk ago
    • 12 replies
    • 111
    • Pineapple Gal2 wk ago
    • Saving & Investing
  • What job do you give your savings?

    Howdy, everyone. I've asked a similar question before, but hopefully with a somewhat different emphasis. I know that in YNAB we are supposed to give every dollar a job.…
    • Green Nomad
    • Green_Nomad.7
    • 4 wk ago
    • 26 replies
    • 349
    • Getting control3 wk ago
    • Saving & Investing
  • Inflow to Budget Account from Tracking

    Typically each month I have a set amount that transfers from my Checking (Budget) to my Brokerage Account (Tracking) which uses the Category of "Taxable Investment".…
    • Cyan Violin
    • Cyan_Violin.11
    • 1 mth ago
    • 2 replies
    • 64
    • SgtBatten1 mth ago
    • Saving & Investing
  • Handling Cryptocurrency Investments.

    Hi everyone, I did a customary search on the forums for other posts, but crypto investments seem to be scarce to find. I wanted some inputs on how to handle crypto investments on CoinBase as such.…
    • LoaferDude
    • furious_falcon
    • 11 mths ago
    • 13 replies
    • 601
    • 1
    • Superbone1 mth ago
    • Saving & Investing
  • Budget savings inflow to the category?

    I currently keep my savings in one account. I setup direct deposit with the savings account from my paycheck. When my paycheck comes in, those funds are input as "To be budgeted".…
    • Slate Blue Pilot (2903ac015cdb)
    • Slate_Blue_Pilot_2903ac
    • 1 mth ago
    • 9 replies
    • 142
    • Ceeses1 mth ago
    • Saving & Investing
  • Anyone doing forecasting Metrics by exporting YNAB Data

    Wondering if someone is able to achieve these metrics using YNAB data, and share some ideas or templates in how to achieve this. These are just sample questions,…
    • Sky Blue Harp
    • Sky_Blue_Harp.2
    • 1 yr ago
    • 2 replies
    • 93
    • 3
    • Matchrocket1 mth ago
    • Saving & Investing
  • Savings without a Goal?

    How do I handle savings that I don't have a goal for? I have an emergency fund already setup, but I also save roughly 25% of my income per month but don't have any plans for it.…
    • John B
    • Slate_Gray_Inspector.6
    • 1 mth ago
    • 6 replies
    • 301
    • Beige Device1 mth ago
    • Saving & Investing
  • My paycheck could be delayed 200 days

    Please excuse, I'm feeling stressed and have no where to discuss this. My next automatic deposit was supposed to happen yesterday but I noticed over the weekend that the dates for my upcoming…
    • Pineapple Gal
    • Goal-Getter
    • Orchid_Wrench.11
    • 1 mth ago
    • 10 replies
    • 249
    • Beige Device1 mth ago
    • Saving & Investing
  • Leverage your 60 Day Age of Money with Investing

    Hey Everyone - First time post. We have been using YNAB for ~1 year or so, and we finally have a solid 60 day age of money. Most of this a large static amount in a savings account.…
    • Salesman. Gil
    • Cadet_Blue_Ink.12
    • 1 mth ago
    • 7 replies
    • 153
    • Black cat1 mth ago
    • Saving & Investing
  • I'm near 30 and feel like a total financial failure. How do I turn my finances around?

    I feel like I will never be able to retire, raise a family, etc. Is there any way to get out of the hole I've dug? Ugly details are below: age: 29 Net worth:…
    • Sky Blue Pegasus
    • Sky_Blue_Pegasus.11
    • 5 mths ago
    • 15 replies
    • 738
    • Oli Summer1 mth ago
    • Saving & Investing
  • SoFi Vaults for Savings

    Hope this is the right section for this. Is anyone using SoFi Vaults for savings? Are you making separate categories for each vault? Or would you create unlinked accounts for this?…
    • Howi Spangler
    • howispangler
    • 1 mth ago
    • 5 replies
    • 69
    • Superbone1 mth ago
    • Saving & Investing
  • How to categorize transfers to brokerage portfolios in and out?

    Hello fellow YNABers. I'm a couple months in and feeling good with YNAB. I'm struggling a bit conceptually with how to handle transfers to investment accounts.…
    • Aquamarine Cleric
    • Aquamarine_Cleric.13
    • 2 mths ago
    • 4 replies
    • 53
    • jenmas2 mths ago
    • Saving & Investing
  • How to conceptualize "3- to 6-months' savings"

    Hey community! I'm curious about how folks budget that proverbial "three to six months' expenses" we're all encouraged to have saved up. Are there different schools of thought about what savings…
    • Ivory Rain
    • An Aldi quarter in every pocket
    • Ivory_Rain.14
    • 2 mths ago
    • 28 replies
    • 441
    • 1
    • Aquamarine Cleric2 mths ago
    • Saving & Investing
  • Thrift Savings Plan

    I can't seem to find a way to link my TSP account. Is there a workaround?
    • Tomato Cartridge
    • Tomato_Cartridge.7
    • 9 mths ago
    • 5 replies
    • 238
    • 2
    • Slate Blue Commander2 mths ago
    • Saving & Investing
  • Tax Insight book still a rec? (from the YNAB podcast)

    Hi everyone, I was wondering if anyone has read the Tax Insight: For Tax Year 2014 and Beyond book by Casey Murdock? I am interested in it but b/c it has been so long since it came out,…
    • RC
    • GIS
    • rackey
    • 2 mths ago
    • 29
    • Saving & Investing
  • Savings-Budgeting & Recording

    I have budgeted monies for savings. I'm trying to understand how I should be recording monies saved so it is reflected against my budget.
    • Thony
    • THONY
    • 2 mths ago
    • 4 replies
    • 71
    • Thony2 mths ago
    • Saving & Investing
  • REtirement HELP

    I am currently 27 years and my fiance is 32 years. We both used to work at a state job with 401 (a) funds, however, we have different balances. My balance is around $440 and her balance is around…
    • Gironaso
    • gironaso
    • 3 mths ago
    • 9 replies
    • 307
    • scooterboy2 mths ago
    • Saving & Investing
  • Too many wishes to fund

    Hach, how I wish I had more income. I created savings goals for three wishes: Vacation Bachelor Party Life Past Lockdown I barely have money to even fund one of them as I am still building my…
    • Hopeless Noob
    • hopeless_noob
    • 2 mths ago
    • 5 replies
    • 203
    • Ceeses2 mths ago
    • Saving & Investing
  • Where do I put a big chunk of money?

    The bits of pieces of my divorce are wrapping up and sometime in the next month I am going to get a check for my piece of the equity in our home. It's low 6 figures.…
    • Grogu
    • Learning the Force
    • grogu
    • 3 mths ago
    • 29 replies
    • 329
    • Herman2 mths ago
    • Saving & Investing
  • Dave Ramsey and YNAB collide

    Can anyone shed light on how I need to prioritize? I've been a Dave Ramsey follower and YNABer for many years now. For those Ramsey people, I have Baby Step #1 holding steady ($1k Emergency Fund)…
    • briannerg
    • briannerg
    • 3 mths ago
    • 11 replies
    • 371
    • Violet Yeti2 mths ago
    • Saving & Investing
  • To Roll Over or Not to Roll Over 401(k)? Advice?

    Due to COVID, I was furloughed from my previous job. Thankfully, I was able to find new employment in education. Since education has a pension structure instead of a 401(k) structure,…
    • Violet General
    • Violet_General.8
    • 3 mths ago
    • 21 replies
    • 155
    • Violet General3 mths ago
    • Saving & Investing
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