#110 - Is YNAB Worth It?
Budget Nerds26 Helmi 2025

#110 - Is YNAB Worth It?

It's a common question for those not already committed to YNAB: is it really worth it? I mean, paying for a budgeting software? It's a legitimate question, and you can probably guess where Ben and Ernie land on answering it (of course!). Today Ben and Ernie don't want to offer their opinions on why YNAB is worth it, they want to share some cold hard facts from a recent study the YNAB marketing team conducted on YNAB user behavior.

What they found was a clear quantitative reason to sign up for YNAB: the average user saves $600 in their first month of using the YNAB. That's nearly six times the annual cost of YNAB, saved in just the first month. The numerical arguments for using YNAB are some of the least convincing, however. The qualitative benefits of using YNAB are positively inspiring! Ben and Ernie walk through a number of statistics demonstrating how YNAB'ers have improved their quality of life, from feeling less stressed, arguing less with their spouse, and actually feeling good about spending their money.

Try YNAB FREE for 34 days, and start working on that $600 savings:

https://www.ynab.com/nerds

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Share your YNAB wins with Ben and Ernie!

budgetnerds@ynab.com

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Jaksot(116)

#89 - Find the Money First

#89 - Find the Money First

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

#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, sometim...

17 Huhti 202435min

#87 - Stop Making Boring Financial Goals

#87 - Stop Making Boring Financial Goals

Ben and Ernie respond to a recent survey reported by Jill Schlesinger on CBS Morning about American's 2024 financial resolutions. The top responses: save more money (41%), pay down debt (38%), and spe...

3 Huhti 202444min

#86 - Cash Categories vs Cash Accounts

#86 - Cash Categories vs Cash Accounts

In today's episode, Ben and Ernie discuss what to do with cold, hard cash money. For many YNAB'ers debit and credit card spending fits nicely into the YNAB paradigm, since YNAB can interface directly ...

20 Maalis 202440min

#85 - Do I Have to Give EVERY Dollar A Job?

#85 - Do I Have to Give EVERY Dollar A Job?

The short answer is yes. But why? Ben and Ernie dig into the reasons why giving every dollar a job is essential to creating a stress-free life around money. As Ben explains, the point of YNAB is to ru...

6 Maalis 202443min

#84 - How I Learned to Stop Worrying and Love My Unexpected Expenses

#84 - How I Learned to Stop Worrying and Love My Unexpected Expenses

Rule Two of YNAB's Four Rules is "embrace your true expenses." True expenses are expenses that may not be regular, but are a normal part of life: new tires, HVAC repairs, emergency doctor visits. Some...

21 Helmi 202443min

#83 - Kath Eats: An Interview with Nutrition Blogger Kath Younger, RD

#83 - Kath Eats: An Interview with Nutrition Blogger Kath Younger, RD

Ben and Ernie invite Kath Younger, Registered Dietitian and popular nutrition and wellness blogger, onto the show to discuss how her health journey led her to seek financial health and wellness. Kath ...

7 Helmi 20241h 15min

#82 - YNAB's Four... Habits?

#82 - YNAB's Four... Habits?

Behind every rule, there's a habit. In today's episode, Ben and Ernie explore YNAB's Four Rules, but in the context of the habits they build. After all, budgeting well is not so much about following (...

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