#133 - The 3 Stages of YNAB'er Emergency Funds

#133 - The 3 Stages of YNAB'er Emergency Funds

The emergency fund is sacrosanct in the personal finance world. Nearly everyone considers an emergency fund to be a prudent thing to establish -- a necessity, even -- whether it's three to six months of living expenses or Dave Ramsey's thousand dollar baby step. At YNAB, however, the emergency fund is... complicated. While YNAB doesn't discourage emergency funds, if you are truly YNAB'ing and in particular assigning dollars to your non-monthly expenses, then an emergency fund starts to feel a lot less necessary.

To that end, Ben and Ernie step through the common stages they have observed thousands of YNAB'ers go through with emergency funds. For them, it's not that having cash set aside for unpredictable expenses is a problem, it's the lack of clarity that a big pile of cash simply titled "emergency fund" brings. To Ernie, for a seasoned YNAB'er who has thoroughly explored his or her non-monthly, less frequent expenses, the emergency fund ultimately boils down to a job loss fund.

So, whether you're just starting to build an emergency fund or you've had one for a while and are wondering what to do next, tune in for a discussion that really cuts to the core of what YNAB is all about.

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Avsnitt(119)

#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 Juli 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 Juli 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 Juni 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 Maj 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 Maj 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 Apr 52min

#138 - Our Biggest Wins Episode Yet: 22 Epic YNAB Wins

#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 Apr 50min

#137 - Patching vs (re)Building Your Money Habits

#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 ...

25 Mars 1h 9min

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