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Re: I just got Married - Help me avoid mistakes! @Mountain Lover This will be a fun exercise. If you find it leads to a lot of arguments, personally, I'd just keep things the way you had them. I'm not a fan of joint budgets (at least not beyond…
- Gold Pilot
- Gold_Pilot.4
- 11 days ago
- Money & Relationships
- Reported - view
Re: Six Figure Student Loans If it were my life, I would: Keep your savings and brokerage account as-is. The world is fairly uncertain right now, and I'll bet you could survive a year on that money, living at home,…
- Gold Pilot
- Gold_Pilot.4
- 11 days ago
- Managing Debt
- Reported - view
Re: I'm near 30 and feel like a total financial failure. How do I turn my finances around? What percentage of your gross income are you currently saving toward retirement? Do you have consumer debt (credit cards, car loans, etc.)? It sounds like you're at a good starting point to get…
- Gold Pilot
- Gold_Pilot.4
- 11 days ago
- 1
- Investing & Retirement
- Reported - view
Re: 2020: The Official YNAB Savings Challenge September update: Total goal: $58,740 of $71,240 (⬆️$3,252) 🎉 ($50,934 of $60,340* FIRE + $7,806 of $11,100 planning instead of scrambling) Self-Preservation (Job Loss): of $9,893 of $10,…
- Gold Pilot
- Gold_Pilot.4
- 3 wk ago
- Community Challenges
- Reported - view
Re: The problem with budgeting for my real needs I have two budget category groups (Gotta Buy It & The Finer Things) and I split these types of expenses into one budget category per group. So I have: Household Basics vs.…
- Gold Pilot
- Gold_Pilot.4
- 1 mth ago
- Method & Budgeting
- Reported - view
Re: 2020: The Official YNAB Savings Challenge August update: Total goal: $55,488 of $71,240 (⬆️$7,333) 🎉 ($48,316 of $60,340* FIRE + $7,132 of $11,100 planning instead of scrambling) Self-Preservation (Job Loss): of $9,682 of $10,…
- Gold Pilot
- Gold_Pilot.4
- 2 mths ago
- 1
- Community Challenges
- Reported - view
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
- 3 mths 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
- 4 mths 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
- 4 mths 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
- 4 mths ago
- 6
- 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
- 4 mths 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
- 4 mths 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
- 4 mths 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
- 4 mths 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
- 4 mths 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
- 4 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
- 4 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
- 4 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
- 5 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
- 5 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
- 5 mths ago
- 5
- 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
- 5 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
- 6 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
- 6 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
- 6 mths ago
- Saving
- Reported - view

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