Budget Nerds17 Huhti 2024

#88 - Swim Fins and Why You Shouldn't Compare Yourself to Others

In today's episode, Ben shares a story about swimming at the YMCA. One of Ben's favorite forms of exercise is swimming laps at his local YMCA, and while it's a great solitary form of exercise, sometimes you can't help but notice how your pace compares to others in the pool. One day Ben started swimming laps only to notice an older lady absolutely hauling in another lane. Which was... discouraging, to say the least. However, as she was exiting the pool Ben noticed she was wearing swim fins, and her blazing performance began to make sense.

This woman had a huge advantage, but it was hidden under the water. In the waves and froth of the water, Ben couldn't see it. It's a good analogy for financial circumstances. For the most part, we only see the outward indicators of other people's financial life -- the things they can afford to buy, the places they can afford to live -- and even those obversations can be greatly skewed if those people are buying things with debt! It's important to realize that other people have different advantages in life, and those can significantly influence their financial circumstances. So Ben urges you not to compare yourself to others, because you don't know what advantages they've had, and you can't see their full financial picture from your standpoint. As the saying goes, comparison is the thief of joy!

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Jaksot(116)

#104 - Silly Things YNAB Makes Us Do

YNAB'ers are great people -- as evidenced by the camaraderie and stories heard at the recent YNAB Fan Fest in Salt Lake City -- but let's be honest... YNAB'ers can also do some weird things with their...

27 Marras 202457min

#103 - Fixing a Messy Budget

Today Ben and Ernie try something different: they are looking at a messy budget -- a VERY messy budget -- sight unseen and attempting to clean it up. This one is a doozy, with dozens of uncleared tran...

13 Marras 20241h 12min

#102 - LIVE Q&A: New YNAB Features, Cash Only YNAB, Budgeting with Partners, and More!

Ben and Ernie hosted a Live Q&A on the YNAB YouTube channel on Oct. 30th, 2024. If you missed it, here's the full replay! They fielded questions from YNAB'ers and discussed some brand new YNAB feature...

2 Marras 20241h 3min

Budget Nerds Are Going LIVE on YouTube - Oct 30th, 2024

Ben and Ernie are going LIVE on YouTube at 1:00pm Eastern on October 30th, 2024. Come and join us! If you're tuning in after the Live show, the full replay will be posted to the podcast feed soon. B...

30 Loka 20241min

#101 - Planning on a Variable Income, YNAB at Your Workplace, and Free Swag!

In today's episode, Ben and Ernie chat with Veronica Brashler, who is in charge of the Corporate Wellness program at YNAB. Veronica's YNAB story starts with working freelance as a wedding photographer...

16 Loka 202440min

#100 - The 100th Episode! Ben and Ernie Reflect

Today's episode is officially the 100th episode of Budget Nerds (if you count the YouTube episodes that were published before the audio podcast feed)! Ben and Ernie reflect on the past few years, the ...

2 Loka 202445min

#99 - Ben Actually Changes His Budget

If you're standing up, you might want to take a seat, because something big has happened... Ben actually changed his budget! Over the last year Ben has had some major life changes that have resulted i...

18 Syys 202454min

#98 - Many Goals, One Plan

One of the interesting parts of working at YNAB is you get to observe human behavior related to personal finance. As Ben and Ernie have noticed over the years, YNAB'ers tend not only to reach their fi...

4 Syys 202433min