#135 - 5 Signs You Are Bad with Money

It's not hard to see that many people struggle to manage their money. Most people are, well, frankly bad with money. That is not a value judgment, or a comment about their character or willpower, or anything like that! Managing money is a skill, and skills can be improved with practice and a little guidance. In today's episode Ben and Ernie present five signs indicating you are bad with money, and offer some practical advice to how to get better. (Hint: it involves giving every dollar a job).

The five signs:

You worry about everyday spending
Every inconvenience is an emergency
You live paycheck to paycheck
You don't set aside money for yourself
You don't change your plan

If any (or all) of these signs describe you, there is hope! Ben and Ernie used to feel like this too, and through the practice of giving their dollars jobs and thinking through what they needed their money to do for them, step by step, week by week, month by month, they improved and eventually got good with money.

You can too! If you need some help, YNAB is here:

https://www.ynab.com/nerds

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Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams

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Share your YNAB win with Ben and Ernie!

budgetnerds@ynab.com

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Jaksot(116)

#140 - YNAB With Us Live! (YouTube Live May 13, 2026)

Ben and Ernie are live on YouTube again, this time inviting you to YNAB with them! Ben and Ernie went live on May 13, 2026, and walked through their recent transactions -- categorizing, moving money, ...

14 Touko 45min

Ben & Ernie LIVE Today on YouTube 3:30pm ET

Ben and Ernie are going live again on YouTube today, May 13th, 2026 at 3:30pm Eastern time. They'll be going through their own transactions, categorizing, moving money to handle overspending, and more...

13 Touko 1min

#139 - Sixteen YNAB Features Hidden in Plain Sight

Ben and Ernie round up sixteen of their favorite YNAB features and share them on today's show, including some oft-overlooked tools in the app. Whether you're brand new or a veteran YNAB'er, there's pr...

29 Huhti 52min

#138 - Our Biggest Wins Episode Yet: 22 Epic YNAB Wins

Ben and Ernie are back with another round of YNAB wins, and they keep getting better and better. In today's episode they share 22 money wins from YNAB'ers around the world who found financial peace, g...

8 Huhti 50min

#137 - Patching vs (re)Building Your Money Habits

Ernie floated a sports reference to Ben in a recent discussion, the concept of an NFL team patching together the holes in their lineup with trades and free agents versus completely rebuilding it from ...

25 Maalis 1h 9min

#136 - Our Favorite Things to Do In YNAB | 2026 Edition

Nearly five years ago, in a very early episode of Budget Nerds (before the podcast feed!), Ben and Ernie discussed their top three favorite things to do in YNAB. Today they are revisiting that concept...

11 Maalis 58min

#134 - Ben's Category Breakdown (2026 Edition)

Today it's Ben's turn to share the categories in his plan -- all 93 of them! Ernie opens with a challenge: did Ben actually change his plan after examining Ernie's categories in episode #132? You'll h...

11 Helmi 1h 22min