2021 Age Of Money Challenge

Who's glad 2020 is over? I know I am, and to start off the new year great I've continued a long tradition of the AoM challenge! 


  1. Choose a day every month that you will post your AOM to the google spreadsheet (link below). 
  2. Be consistent on the day that you have chosen to post your AOM. (Your metrics will not help you or provide you with useful data if you are not consistent.)
  3. Post your AOM.
  4. Comment below that you have updated the spreadsheet.
  5. If you want, you may post a screenshot of your AOM. This will be fun and will help keep the thread alive. It's not required however.
  6. Try to keep the thread on topic.

Cheating is posting a number that is not your actual AOM, or changing your number because your AOM increased the following day.

We are following the the honor system. 

You do not need to cheat, but if you do, everyone will ask how you've become so awesome with money and then you'll have to live with yourself. It only hurts you.

Question about the spreadsheet, or you find errors in the formula's, just let me know in the thread below.



If you've stumbled upon this post and wondering what AoM is, I encourage you to visit this helpful article: https://docs.youneedabudget.com/article/199-aging-your-money. :)

60replies Oldest first
  • Oldest first
  • Newest first
  • Active threads
  • Popular
  • In addition to have the Average AOM, it was suggested to add the Median AOM as well. That has been added to the totals row in the Master Tab, and on the Metrics Tab within the data and the graph.

    Like 3
    • Brandon Thomas  Great to see that!


      I notice that median and average also are going down a bit , I guess because of people (like me! sorry!) coming in after the beginning of the year.  But hopefully that will get better as the year progresses.

      I'm curious to see what the graph will look like in six months or so...

      Like 1
  • Tomorrow is already the last day of March?! 😲 My AOM is gradually going back up after paying some big ticket items in February. Can't wait to update the sheet tomorrow! 

    Like 2
  • Line 14

    Dec 2020: 48

    Goal: 60

    Jan 2021: 36

    Feb 2021: 57

    Mar 2021: 37

    Paid off the last of my consumer debt, so I was expecting this hit to AoM. Onward and upward for the rest of the year.

  • Alright, I've joined! Line 39. Started YNAB at the very end of 2020 but didn't have an AOM until January. I started with a fair bit of buffer in my bank account so as of March EOM, I'm at 49 days.

    I'm not sure what a proper goal should be but am saying 60 for now, as an average. I'm paying off consumer debt right now and my debt paydown plan includes a lump sum payment at end of year so I can still have an emergency fund built up while cash flow is tight. I anticipate my AOM continuing to increase past 60 and then dropping a lot when I make that final payment. Also, life can and will happen in the meantime.

    Like 1
  • I have now moved most of my savings to investments, so AOM will keep plummeting. I couldn't care less as I know why it happens. I won't even try to approximate what it will end up at, but safely above 30.

    Goal: 280

    February: 250

    March: 204

    Like 1
  • #35

    Beginning Month 3.  Goal = 60

    March: 21

    April: 53!!

    I guess I'm doing better than I thought.

    Like 1
  • Feb: 28

    March: 34

    Goal: 120

    Heading in the right direction!

    Like 1
  • Claiming line 41! Dec 2020 age of money was 104

    January AOM: 118

    February AOM: 103

    March AOM: 29 (bought a car woo!)

    Goal is 75 days

    Like 1
Like8 Follow
  • 2 days agoLast active
  • 60Replies
  • 529Views
  • 25 Following