#127 - Pay Off Debt vs Get A Month Ahead: Which Should You Do First?
Budget Nerds22 Loka 2025

#127 - Pay Off Debt vs Get A Month Ahead: Which Should You Do First?

Ben and Ernie take up arms in the age old personal finance battle -- pay off your debt first, or get a month ahead on your bills? While they have discussed this topic before, in today's episode they approach the two paths with a balanced view, weighing the pros and cons of each. While they have an obvious bias toward getting a month ahead on your bills, there are certain scenarios where really buckling down on paying off debt might be the best move.

The beautiful thing about this problem is that either way, you are making progress toward a better you. Simply thinking through your approach and evaluating your emotions around debt, financial resilience, and day to day expenses helps align your actions with your priorities -- and at the end of the day, that's what YNAB is all about.

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

Share your YNAB wins with Ben and Ernie!

budgetnerds@ynab.com

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#145 - How to Share YNAB (and Actually Get People to Try It)

#145 - How to Share YNAB (and Actually Get People to Try It)

We get it, you're a budget nerd. YNAB isn't just an app for you, or even a method, it's a way of life... and you want to share it! But you've likely already tried, only to find your enthusiasm fall on...

30 Syys 1h 1min

#144 - Never Worry About Money Again: An Interview with YNAB Founder Jesse Mecham

#144 - Never Worry About Money Again: An Interview with YNAB Founder Jesse Mecham

Ben and Ernie talk to the man himself, Jesse Mecham, about his new book Never Worry About Money Again, which just hit the New York Times Bestseller list. In this book, Jesse distills the YNAB ethos in...

31 Elo 53min

#143 - What Does "Getting Good at Money" Really Mean?

#143 - What Does "Getting Good at Money" Really Mean?

If you follow any of the content at YNAB -- whether it's Budget Nerds, the Jesse Mecham Show, or social media -- you've probably heard the term "getting good at money" in many different contexts over ...

29 Heinä 56min

#142 - Tag, You're It! Ben and Ernie Answer 12 Questions About Their YNAB Journey

#142 - Tag, You're It! Ben and Ernie Answer 12 Questions About Their YNAB Journey

Ben and Ernie respond to a YouTube tag from new and enthusiastic YNABer Niamh, asking them to answer 12 questions about their YNAB journey and daily money habits.      Follow Budget Nerds on YouTube B...

1 Heinä 1h 2min

#141 - Ask Ben & Ernie: Travel, Debt, and Life After Month Ahead

#141 - Ask Ben & Ernie: Travel, Debt, and Life After Month Ahead

Ben and Ernie are back with a Q&A episode, answering questions about YNAB from podcast listeners and YouTube viewers. In this episode, they discuss travel tips for funding vacations and keeping vacati...

17 Kesä 1h 6min

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

#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 & 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

#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

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