Jun 17, 2026 · 1 hr 7 min · 10 segments
Ben and Ernie are back with a Q&A episode, answering questions about YNAB from podcast listeners and YouTube viewers. In this episode, they discuss travel tips for funding vacations and keeping…
I would love an episode on some different approaches to budgeting for travel.
Right now, I have a category with my partner just called travel.
Fill to 5,000, but it's empty.
And then feel like it won't be a priority until I know what I'm
actually working towards.
Okay, that's...
Yeah, I really like that because it's hard to fill it up if you're not doing any proper, you don't have actual goals, actual plans.
Right, we talk
about this all the time with savings.
Savings is tough when you're just saving for the sake of saving.
You got to get really, really, really specific.
And it kind of feels like that for Jane here.
Yeah.
So I think the first thing Is rename that category.
Like what is the name of the trip that you're going on? And we can, we'll like, it'll get more complex from here, but I think at least start with a, a clear category name or group name of what you're doing, what you're actually saving for.
Yeah, I think specifically for Jane, even if you don't plan on a particular trip or vacation in the coming, even like in the next year, just dream something, like dream it up and be like, oh, I want to go to Hawaii or I want to go to the beach two hours away, you know, or whatever it is, right? And just name the category.
And I think you'll find it might start attracting some money because you actually like make it real, right? Absolutely.
Absolutely.
And this is something that I experienced just recently where for the longest time, Christy and I just had I think it was called like trips and it would include summer vacation and then all these other little one off weekend trips that we would take.
And I never – and I was just – we were constantly throwing money in there.
But I never had any clarity on how much summer vacation cost.
And so a lot of times, we would either overspend – Or I would just find myself like rushing to save on that final stretch.
And so I'm like, let's, let's separate this out.
So now we have a category just for summer vacation.
So I can really focus on how much it costs and getting enough for that before it happens.
I would love an episode on some different approaches to budgeting for travel.
Right now, I have a category with my partner just called travel.
Fill to 5,000, but it's empty.
And then feel like it won't be a priority until I know what I'm
actually working towards.
Okay, that's...
Yeah, I really like that because it's hard to fill it up if you're not doing any proper, you don't have actual goals, actual plans.
Right, we talk
about this all the time with savings.
Savings is tough when you're just saving for the sake of saving.
You got to get really, really, really specific.
And it kind of feels like that for Jane here.
Yeah.
So I think the first thing Is rename that category.
Like what is the name of the trip that you're going on? And we can, we'll like, it'll get more complex from here, but I think at least start with a, a clear category name or group name of what you're doing, what you're actually saving for.
Yeah, I think specifically for Jane, even if you don't plan on a particular trip or vacation in the coming, even like in the next year, just dream something, like dream it up and be like, oh, I want to go to Hawaii or I want to go to the beach two hours away, you know, or whatever it is, right? And just name the category.
And I think you'll find it might start attracting some money because you actually like make it real, right? Absolutely.
Absolutely.
And this is something that I experienced just recently where for the longest time, Christy and I just had I think it was called like trips and it would include summer vacation and then all these other little one off weekend trips that we would take.
And I never – and I was just – we were constantly throwing money in there.
But I never had any clarity on how much summer vacation cost.
And so a lot of times, we would either overspend – Or I would just find myself like rushing to save on that final stretch.
And so I'm like, let's, let's separate this out.
So now we have a category just for summer vacation.
So I can really focus on how much it costs and getting enough for that before it happens.
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