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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
- 41 replies
- 7,895
- 5
- Tomato Mill13 days ago
- Saving & Investing
Any benefit to budgeting future months rather than a buffer?
Hi there I know Age of Money has been covered at length and I believe I completely understand the concept. But I still don't get why I would actually get rid of my emergency fund category and budget…
- Simon
- tight_scotsman
- 3 yrs ago
- 29 replies
- 6,676
- 10
- nolesrule3 yrs ago
- Saving & Investing
Emergency Savings or "Safety Net" at Betterment
Anyone else have an account at Betterment for their emergency fund, or as Betterment calls it, "Safety Net"? I budget for an emergency fund in YNAB and then transfer it over to the Betterment Safety…
- Green Mare (bc765dbaa74e)
- Green_Mare_bc765dbaa74e
- 3 yrs ago
- 44 replies
- 6,427
- 2
- PhysicsGal11 mths ago
- Saving & Investing
How to best track Vanguard Investment account
As part of my path to building wealth, I recently set up a Vanguard investment account. How should I track this account? I set it up as "tracking" and when I did the first download it showed a…
- jamorgan3777
- jamorgan3777
- 3 yrs ago
- 6 replies
- 6,253
- 1
- Brandon P3 yrs ago
- Saving & Investing
Really Confused - Savings Goals in Budget?
Hi, YNABers! I just started using new YNAB (new convert from YNAB Classic) and I'm really confused about how to go about setting savings goals. For acronym context, I'm a Canadian.…
- That Mouse
- ThatMouse
- 3 yrs ago
- 8 replies
- 4,139
- NicoleYNAB Support2 yrs ago
- Saving & Investing
What are your Rainy Days categories and how much do you save on each of them?
- Mawkitas
- mawkitas
- 3 yrs ago
- 15 replies
- 3,466
- 2
- Pikayo3 yrs ago
- Saving & Investing
My Money's Old, so Why am I Still Having to Budget Paycheck to Paycheck?
I've been using YNAB for a couple of years now, and after a fresh start in January of 2017, really using YNAB more as it's intended to be used. We do much of our spending on a credit card that I pay…
- Lavender Saxophone (4ba2ac329cb9)
- Lavender_Saxophone_4ba2
- 3 yrs ago
- 30 replies
- 3,445
- 3
- Maroon Tugboat3 yrs ago
- Saving & Investing
Savings with different currencies
I’ve been using YNAB for over two years now, and it has helped me a lot with my finances, but there’s an issue I don’t know how to fix. I am an immigrant in the country where I live and have most of…
- Cadet Blue Wildebeest (6be9b5f5c7d0)
- Cadet_Blue_Wildebeest_6
- 3 yrs ago
- 42 replies
- 3,437
- 6
- dgs2 yrs ago
- Saving & Investing
Asset Tracking, but how far?
On tracking accounts, I get the retirement account and company pension (if, you're lucky enough to have one), but where do you stop? Do you track your house value as well as your mortgage balance?…
- Khaki Storm
- YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
- Khaki_Storm.1
- 2 yrs ago
- 40 replies
- 2,993
- Sameer Merchant1 yr ago
- Saving & Investing
Future dog owner - how much should I budget?
My husband and I are looking to buy an Australian Shepherd puppy but I want to see what kind of expenses I should be budgeting for (bedsides the actual cost of buy the dog).…
- Purple Case (143f473e9227)
- Purple_Case_143f473e922
- 3 yrs ago
- 20 replies
- 2,971
- QC3 yrs ago
- Saving & Investing
Does anyone else have to hide their savings from themselves?
I like using ynab and spending with debit/credit cards, as opposed to physical money in envelopes, because when I see cash in my wallet my brain goes something like this: 'OO MONEY,…
- Mel
- lawofthree
- 3 yrs ago
- 18 replies
- 2,867
- 4
- Superbone2 yrs ago
- Saving & Investing
Where can I learn how to add investments/retirement?
Seems YNAB instruction is geared towards the beginner budgeter, those that are in debt and those looking to get out of the paycheck-to-paycheck cycle. I would like to learn about adding our…
- akaJules
- I’d give up chocolate but I’m not a quitter.
- akaJules
- 3 yrs ago
- 16 replies
- 2,820
- 1
- nolesrule2 yrs ago
- Saving & Investing
401k Tracking Account: Outflows vs. Inflows
I am able to create a Linked Tracking Account for my 401k that is correctly automating the account transactions for approval. However, transactions are loading as Outflows of the account,…
- Jefferson B
- Budget_freak
- 2 yrs ago
- 62 replies
- 2,763
- 5
- Festive Healer1 yr ago
- Saving & Investing
I have saved nearly six figures..
I am in 30s and have saved nearly six figures. Does not include my retirement account. With that said, I'm sure for many it's a bragging right. For me, it's meh.…
- Icecream mochi
- Debt free excluding mortgage
- Orchid_Screwdiver_28481
- 3 yrs ago
- 19 replies
- 2,756
- 7
- Icecream mochi3 yrs ago
- Saving & Investing
Retirement - Starting from Scratch
I am self employed, with no retirement savings. Hard to swallow at 39yo. I want to get started next year but I don’t really know where to begin. Let’s hear all the recommendations and advice for…
- JenGirl912
- JenGirl912
- 3 yrs ago
- 26 replies
- 2,623
- 7
- JC Webber III3 yrs ago
- Saving & Investing
Tools for creating realistic retirement goals
Hi YNABers, I feel like I am in a great place with how I control my budget through YNAB right now but there is one glaring hole that the latest podcasts pointed out to me.…
- Pecara
- Pecara
- 3 yrs ago
- 8 replies
- 2,546
- 3
- Habilis3 yrs ago
- Saving & Investing
SEP IRA versus Self-Employed 401(k)
I am trying to get a handle on the best option for my husband's business retirement needs. He is self-employed and we need to start some type of retirement savings for him.…
- Ivory Drill (fa4cb3254249)
- Ivory_Drill_fa4cb325424
- 3 yrs ago
- 9 replies
- 2,503
- nolesrule3 yrs ago
- Saving & Investing
Savings Fund is being budgeted
Hi everyone, I'm new to YNAB. I linked a savings account that I use for my emergency fund. I want to be able to see this account and it's progress in YNAB,…
- Logan Seger
- Turquoise_Storm.1
- 3 yrs ago
- 10 replies
- 2,418
- Logan Seger3 yrs ago
- Saving & Investing
What to do with Savings?
Looking for suggestions. I've always maxed out the 401K , but savings I have tended to keep in a savings account, which earns virtually zip. This is the 4-6 month emergency fund.…
- Silver Dollars
- silver_dollars
- 3 yrs ago
- 13 replies
- 2,403
- mamster2 yrs 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
- 11 replies
- 2,380
- nolesrule10 mths ago
- Saving & Investing
YNAB your retirement - the Canadian Edition 🇨🇦
Sorry! The title isn't meant to exclude people who don't live in igloos and have maple syrup in the veins and compulsively say Sorry! Saving for the future, beyond EFs and epic Disney vacations,…
- MissusTea
- "The future belongs to those who believe in the beauty of their dreams" - Eleanor Roosevelt -
- MissusTea
- 3 yrs ago
- 18 replies
- 2,366
- 7
- Turquoise Trumpet3 yrs ago
- Saving & Investing
Tracking Savings Goals with open Line of Credit?
TL:DR - I'm trying to discover the best practice for tracking savings goals in the app, while keeping all income in my line of credit. I have HISTORICALLY used the app where I have 5-10 'long term'…
- Blue Jackal
- Blue_Jackal
- 3 yrs ago
- 75 replies
- 2,293
- 1
- NicoleYNAB Support2 yrs ago
- Saving & Investing
How much to save in medical category (high deductible/HSA)?
My husband has a new job and we’re going to switch to a high deductible health insurance plan for 2018 ($3000 deductible with $6000 out of pocket limit).…
- robinhbl
- robinhbl
- 3 yrs ago
- 11 replies
- 2,232
- nolesrule3 yrs ago
- Saving & Investing
What are your mindsets for Emergency Fund and (big)Savings Categories?
Hello YNABers. We've been pondering over this for a while now about Emergency Funds. You hear this a lot, "You should save 3 to 6 months worth of expenses as Emergency Fund.…
- Powder Blue Yeti
- Old Farm Cats, Baking, Japanese
- Powder_Blue_Yeti.1
- 3 yrs ago
- 39 replies
- 2,214
- 4
- Slate Gray Hammerhead3 yrs ago
- Saving & Investing
Year-End Bonus
Hi Guys, Love the new forum and am eager to participate. I've been a YNAB user for years but used it only as a glorified expense tracker and never really followed the steps.…
- Alice Blue Sidewinder (f43a4106324a)
- Alice_Blue_Sidewinder_f
- 3 yrs ago
- 6 replies
- 2,146
- 1
- negrcian3 yrs ago
- Saving & Investing

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