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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
- 18 hrs ago
- 2
- 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 days ago
- 2
- 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
- 3 days ago
- 2
- 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
- 8 days ago
- 2
- 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
- 1 mth 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
- 1 mth 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
- 1 mth 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
- 1 mth ago
- 1
- 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
- 1 mth 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
- 1 mth 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
- 1 mth 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
- 1 mth 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
- 1 mth 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
- 1 mth 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
- 1 mth ago
- 31 replies
- 249
- 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
- 3 mths ago
- 4
- Money & Relationships
- Reported - view
Rolled with the punches: birthday weekend
This weekend, life threw us a curveball. My partner’s daughter had a birthday, and long story short, her mother cooked up a scheme to plan a birthday party on our weekend with the kids,…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- 2 replies
- 115
- 7
- YNAB Wins
Re: Divorced & Moving On Towards Financial Independence It’s been three years since I ended my 15 year marriage. Finances were a big factor; he was depressed, narcissistic, unkind, and a perpetual student who borrowed ever-larger amounts of money to…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- 3
- Money & Relationships
- Reported - view

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