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Re: 2020: The Official YNAB Savings Challenge July update: Total goal: $48,155 of $68,664 $71,240 (⬆️$8,596) 🎉 ($42,030 of $60,340* FIRE + $6,098 of $11,100 planning instead of scrambling) Self-Preservation (Job Loss): of $9,127 of $7,…
- Gold Pilot
- Gold_Pilot.4
- 9 days ago
- 1
- Community Challenges
- Reported - view
Re: Household vs. Groceries @Tee Why Mine are under: Gotta Buy It 🤷‍♀️ (along with Groceries and Household Basics ) as opposed to: Gotta Pay It ✅ (for bills) The Finer Things 💁‍♀️ (for things like Dining Out or Household…
- Gold Pilot
- Gold_Pilot.4
- 1 mth ago
- Tips & Tricks
- Reported - view
Re: 2020: The Official YNAB Savings Challenge June update: Total goal: $39,137 of $68,664 (⬆️$4,531) 🎉 ($34,705 of $57,340* FIRE + $4,433 of $11,524 planning instead of scrambling) Self-Preservation (Job Loss): of $4,193 of $7,…
- Gold Pilot
- Gold_Pilot.4
- 1 mth ago
- 1
- Community Challenges
- Reported - view
Re: Age of Money, windfalls, and tracking accounts @Gold Pilot said: I reworked my budget and accounts, moved the Income Replacement savings account on-budget, and shifted that category and the "in betweens" waaaaaaaay down the list so they'd be…
- Gold Pilot
- Gold_Pilot.4
- 1 mth ago
- 5
- Saving
- Reported - view
Re: How did you celebrate being Debt Free? I flipped back through my YNAB history and it seems that I took my kids to Disney and fully funded my Roth IRA. 😄 Both were goals I had set for 2019, along with becoming debt-free.
- Gold Pilot
- Gold_Pilot.4
- 1 mth ago
- 3
- YNAB Wins
- Reported - view
Re: Household vs. Groceries I have four categories: Groceries - for anything I buy at the grocery store, including the occasional small household item that I don’t bother to separate out Household Basics - anything I buy…
- Gold Pilot
- Gold_Pilot.4
- 1 mth ago
- Tips & Tricks
- Reported - view
Re: What mindsets do you use to NOT spend $ you don’t have? What stops you from spending, when you do stop? (Is it the limit on the loan? The loan reaching a certain size?) What you’re talking about isn’t really learning a new habit and mindset,…
- Gold Pilot
- Gold_Pilot.4
- 1 mth ago
- 1
- Debt
- Reported - view
Re: Newbie with a taxrefund Approximately how much greater are your true expenses than your current income each month? Is that a temporary or long-term situation? If paying off the car loan would close most or all of the gap,…
- Gold Pilot
- Gold_Pilot.4
- 1 mth ago
- 2
- Managing Debt
- Reported - view
Re: Furnace fund v debt @Superbone said: Not getting your 401k match is horrible advice. We're talking about a 100% return on your money. @Superbone It would be terrible advice if humans were entirely rational and you…
- Gold Pilot
- Gold_Pilot.4
- 1 mth ago
- 1
- Saving
- Reported - view
Re: Furnace fund v debt @Melissa It definitely takes some tinkering and different scenario modeling to determine whether you can take things one goal at a time, but as long as you can avoid taking on extra debt if…
- Gold Pilot
- Gold_Pilot.4
- 2 mths ago
- 3
- Saving
- Reported - view
Re: Furnace fund v debt I've found that I am better able to sustain focus on my goals when I narrow down the list and pick one to focus on, then tackle the next, then the next, and so forth.…
- Gold Pilot
- Gold_Pilot.4
- 2 mths ago
- 3
- Saving
- Reported - view
Re: Is it an app for the rich countries only? If you're reading this, YNAB team, consider that most global companies create a pricing model that takes advantage of the high number of potential customers in developing nations,…
- Gold Pilot
- Gold_Pilot.4
- 2 mths ago
- 3
- Getting Started
- Reported - view
Re: 2020: The Official YNAB Savings Challenge Somehow missed this challenge until May. 😄 Better late than never? Claimed line #103. Total goal: $68,664 ($57,340* FIRE + $11,524 planning instead of scrambling) Self-Preservation (Job Loss): $7,…
- Gold Pilot
- Gold_Pilot.4
- 2 mths ago
- 3
- Community Challenges
- Reported - view
Re: Guilt over good money news due to COVID? I'm in the same boat, and actually appreciating all of the changes that the pandemic has brought to my life so far! Gratitude, rather than guilt, is probably the best mindset here.…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- 2
- Money & Relationships
- Reported - view
Re: Age of Money, windfalls, and tracking accounts @Alemap Thanks, I have used DBT techniques before and did find them helpful. My boyfriend is an interesting mix of empathetic and logical, and naturally seems to ask me questions when I'm upset that…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- 3
- Saving
- Reported - view
Re: Tracking savings and savings rate? I use a spreadsheet and also Personal Capital to gauge some of what you're looking for. However, I don't have any outflows from my retirement savings (except my HSA and if I lose my job,…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- Accounts & Transactions
- Reported - view
Re: Age of Money, windfalls, and tracking accounts @Superbone Thanks. I have made major improvements in both areas (compulsive eating and shopping) and it’s much less of a struggle than it once was. But I’m also still prone to regressing and need to…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- 2
- Saving
- Reported - view
Re: Age of Money, windfalls, and tracking accounts @dakinemaui You are thinking about this too rationally. It is not rational behavior when I do it. It is compulsive, euphoric behavior. The scenario is: I see lots of money sitting there,…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- Saving
- Reported - view
Re: Age of Money, windfalls, and tracking accounts @WordTenor That’s fair. I will say that I know what my spending levels are because I track my annual inflows and outflows to get a true picture. I do need to think more about how I’ll manage long…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- Saving
- Reported - view
Re: Age of Money, windfalls, and tracking accounts @Ceeses said: Do you really mean you spend down to zero all the money saved for car replacement, annual insurance premiums (if any), annual subscriptions, utility bills, vacations,…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- Saving
- Reported - view
Re: Age of Money, windfalls, and tracking accounts @Superbone I suppose I look at Net Worth as my indicator for how I’m doing in the long term, and I’d like a metric that indicates how I’m doing from month to month.…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- Saving
- Reported - view
Re: Age of Money, windfalls, and tracking accounts And yes I suppose I could just throw AOM out the window but having a “Financial Independence” category where these transfers go seems to be screwing up my DOB number too.…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- Saving
- Reported - view
Re: Age of Money, windfalls, and tracking accounts But why would I treat this account differently than my retirement accounts? To me, it’s a last line of defense against raiding those, and should be kept similarly outside of money that has any kind…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- Saving
- Reported - view
Age of Money, windfalls, and tracking accounts
I currently keep my “Income Replacement” savings in a high yield savings account that’s a “Tracking” account rather than “Budgeting.” My rationale is that this is truly my “break glass in case of…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- 34 replies
- 342
- 1
- Saving
Re: Divorced & Moving On Towards Financial Independence @ukimagic209 Very normal, I think. I’d suggest meeting with a therapist to work through those feelings. Typically they will encourage you to write down all the reasons why you left,…
- Gold Pilot
- Gold_Pilot.4
- 5 mths ago
- 4
- Money & Relationships
- Reported - view

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