YNAB

Edit, yes, there are other poor financial decisions.

We have YNAB, which is a budgeting tool.

I try every week to get us back into it.

Complications, depression, and anxiety for both.

Way more than she spends on makeup.

Like, seriously, we have a problem.

We have YNAB and a budget.

We actually do go buy it when we use it.

I found something before he switched to a supervisor position where one of his coworkers was apparently grabbing his ass.

So why weren't you telling her to stop, that you're with someone? I mean, I can see how that would break trust in this relationship.

It's right before

the marriage,

mess with telemarketers when they call you? No.

You don't do that when you're in a relationship, though.

You don't entertain the idea of someone flirting with you.

What was happening during this time? Like, our sex life was not great at this time.

And that's what most of my clients use.

Now there is an app, to implement that, that you may have heard of called a YNAB, you need a budget.

And it kind of does the same thing.

How do you

say that exactly?

YNAB.

Y-N-A-B.

It's an acronym for You Need a Budget.

It's not only an award-winning financial platform that some of our listeners may be familiar with.

It's also a great book.

But to get us started, Mike, let's find out what these four rules of safe budgeting are.

Rule one, give every dollar a job.

And therefore, it can be a bit of a challenge to get yourself into that buffer zone.

Maybe that's where a lot of people struggle with at the start.

But when I was digging into this book, Mike, I know that Jesse really says, when it comes to budgeting, don't try and boil the ocean straight away.

You've got to go slow.

We kind of do this hybrid system where, you know, and for the longest time we had, we had some cash envelopes and we had some that was on auto pay and some that, you know, we were actually paying with through our bank account or swiping a card.

And so kind of figuring out like that right now we use, you need a budget for both our business and our personal.

If it were up to me, you need a budget.

Honestly, no. is more complicated than I would need it to be.

But for someone like you who wants to see historically how much have we paid over the years and what are the, you know, all the buckets and being able to drill down and have all those details, that's really important.

Google Sheets.

Actually, it was Excel.

Yes, and first we had the ledger paper, then I think we moved to Excel, and then we moved to, there was some program, QuickBooks, I think we moved to that before we then moved to You Need a Budget.

They're making okay money in Corpus Christi.

I mean, as far as Texas goes, it's definitely not one of the more expensive cities.

So how many hours a week are we working?

Generally, I get 45 because I don't

Well, it happens if you stick it in wrong.

That's what I said.

Well, 27 tops in one day.

She got so mad that I had no reaction.

You weren't going to spend this.

You know what I mean? I want to like YNAB might be able to tell you, hey, man, you broke your

girl.

You said you was going to save it.

And again, there are different budgeting tools that make that process easier.

This is where the cash envelope systems come from.

This is where YNAB comes in as a much more helpful tool.

I can't think of the last time I've mentioned YNAB.