#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 the ground up. Patching of course is the quick fix -- it gets you results now, so you can field a team and compete this season. The results, however, may not be what you want, and often the patched-together team doesn't hold up over a long season. Rebuilding is the long road. It usually means suffering now so that you can have a strong, cohesive unit to play with next season (or sometimes several seasons in the future). A team built from the ground up also has depth. When things go wrong, and injuries happen, that team has seasoned players who can fill the gaps and still act as a cohesive unit.

Well, it turns out the same is true for our money habits. Ben and Ernie run through a list of common habits that are trying to patch the holes in your spending plan, and compare them to sustainable building habits, which lead to a strong, flexible plan that aligns with your life.

Follow Budget Nerds on YouTube

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

Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

Share your YNAB win with Ben and Ernie!

budgetnerds@ynab.com

Tämä jakso on lisätty Podme-palveluun avoimen RSS-syötteen kautta eikä se ole Podmen omaa tuotantoa. Siksi jakso saattaa sisältää mainontaa.

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

#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

#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 a...

25 Helmi 1h 3min

#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