Budget Nerds7 Touko 2025

#115 - How Heidi Overcame ADHD and Money Mistakes with YNAB

Today Ben and Ernie are joined by long-time YNAB'er Heidi to discuss her challenges of managing money with ADHD, and how she has used the YNAB method to reclaim control over her money. As Heidi explains, ADHD is characterized by impulsiveness and inattentiveness, both of which took a heavy toll on her finances, especially during phases of her career where her income was variable. Heidi was an early adopter of YNAB -- starting with YNAB3! -- and quickly fell in love with the software and the concreteness of the YNAB method.

Heidi explains how the other approaches to personal finance she had discovered were focused on philosophy and abstraction, whereas YNAB was concrete from the start. The software is opinionated, and wants you to follow the "rules," which today have been boiled down to just one rule: give every dollar a job. The act of entering transactions, assigning money to categories, and moving money from category to category proved therapeutic for Heidi, and her daily habit of checking YNAB made her more in tune with her money and her long term plans for the money. Over time she noticed that her inattentiveness to money, which once lead to frequent overdrafts and bank fees, improved dramatically. She was also able to create a reserves category for the "ADHD tax," as she calls it, essentially giving herself a safety net in her budget to be impulsive with money without disrupting her future plans.

After many years with YNAB and a lifetime living with ADHD, Heidi has accumulated a lot of wisdom about managing money and learning to live spendfully. As she puts it, YNAB has allowed her to be a more interesting, dynamic person, by giving her the freedom to do the things she wants without being hamstrung by money problems.

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#125 - All the Ways to Easily Add Transactions

You may have noticed some recent changes to the YNAB app, starting with no more "add transaction" button in the bottom row of the screen. It was a little jarring for Ben and Ernie at first, but they q...

24 Syys 202539min

#124 - 7 Habits That Changed Our Money Forever

It's often said that sucess is the result of your daily habits. In today's episode, Ben and Ernie talk about seven habits that completed changed how they think about and act around money, including: ...

10 Syys 20251h 18min

#123 - How to Start YNAB (Simple, No Hassle Setup)

YNAB is a powerful, flexible piece of software, but there is a learning curve. In today's episode, Ben and Ernie teach you how to setup a YNAB spending plan from scratch, and the essential features yo...

27 Elo 20251h 2min

#122 - Feeling Stuck? These 26 YNAB Wins Will Inspire You

It's been a while since Ben and Ernie have had a good old fashioned YNAB wins show, so here's another one! Ben and Ernie collected wins big and small from YNAB'ers improving their relationship with sp...

13 Elo 202557min

#121 - The Weirdest Categories We've Ever Seen (and Loved)

Through all the category breakdown episodes, Ben and Ernie have seen some thought-provoking, inspiring, funny, and downright weird categories from YNAB'ers. Today's episode is all about celebrating th...

30 Heinä 202545min

#120 - Your Categories Are Not Alone! The New YNAB Templates

Have you felt overwhelmed trying to think of categories for your money when you start a fresh spending plan? Or just wished someone would come up with new categories for you when you need to plan for ...

16 Heinä 20251h 2min

#119 - Lauren's YNAB Categories (PLUS How She Breaks the Multi-Currency Rules)

In today's episode Ben and Ernie chat with Lauren, a long time YNAB user going back to YNAB4 and a Customer Support Specialist at YNAB. Though she was born in the US, Lauren is of Korean descent and s...

2 Heinä 20251h 15min

#118 - Getting the Most Out of YNAB

You don't have to be a power user for YNAB to help you gain control over your money, start loving the way you spend, and change your life. But there's a lot of power under the hood, and Ben and Ernie ...

18 Kesä 20251h 16min