Learn YNAB's Four Rules

[@YNABofficial]

Once you understand YNAB's Four Rules, you're ready to get started and set up your budget! Check out Ben's video where he will walk you through setting up your first YNAB budget! kzbin.info/www/bejne/eXe7en2ZrttghsU

[@russellswindell6837]

Aaaa

[@IHaveNoIdeaMom]

Can you add time stamps? Thanks. Rule 1 Give Every Dollar A Job 2:37 Rule 2 Embrace Your True Expense 7:06 Rule 3 Roll with Punches 10:06 Rule 4 Age Your Money 13:27

[@erikahagan8767]

I call the partially funded True Expense the "YNAB discount". If I have $200 saved in car repairs, but I have a $600 repair...it only cost me $400 with the YNAB discount! Ideally I get them all funded, but this stops me from beating myself up too much if life happens.

[@JaimeLyerly]

I like that!

[@chrisstromberg6527]

That's slick.

[@gusamarante]

I've been using YNAB for 6 years now. This 4-rule system turned me into a responsible adult.

[@33goodwitch]

Same, I got YNAB 3 years ago and I love it so much

[@terpinator24]

Ooooo, I have high hopes for this as well!

[@YNABofficial]

Same, brother. I actually started YNAB right around the time I got engaged. My wife got a much more responsible husband because of it! - Ben M

[@apriltaylor4871]

Wingardium Levi no, son! OMG I laughed for a good ten minutes. You all are so great at what you do - keep it up!

[@NovaLeeNation1687]

I’m a long time YNAB user and no lie: Using YNAB has allowed me to responsibly budget so I could buy a home and drive a relatively new car as well…it’s worth every penny!

[@christineteffenhart5722]

YNAB works and these 4 rules are the key. We're 79 days ahead and it's all because of YNAB.

[@YNABofficial]

Look at you go! Congratulations! :) - Ben M

[@jessicaangelicachuan2670]

This is the most engaging and fun educational video on learning how to budget that I've come across. Thank you so much!

[@wewantben]

Hi Ben! Just want to thank you for this great video. This is what started my own YNAB venture and literally it has changed my life in just a month. Stress is gone. I have clear awareness of my finances and it has made my life so much better! I have shared this video multiple times with other friends and family. Thank you thank you thank you!!

[@YNABofficial]

Hi Benjamin! You're very welcome! 😄 I'm always amazed how quickly YNAB can just completely transform someone's finances, and it sounds like you're crushing it. Way to go, man! 🤟 - Ben M

[@mdalves]

One of the best YNAB videos I´ve ever seen! Thanks for it!

[@YNABofficial]

Thanks Marcos! :) Glad you enjoyed it! - Ben M

[@AlexDom09]

Saw some so so comments on the jokes, but I like them. They made me giggle, especially the one where he sprayed the credit card when it tried to sneak in. 😂

[@DutchGuyInChina]

Rule 5: keep it simple enough so that you don't mind keeping the system up to date. If you're lazy, it's not gonna last if you fixate on scrutinizing every single bill to extract 100 different categories.

[@moniquewitter424]

This is so true.

[@BryanChandlerStL]

KISS applies to almost everything. Keep It Simple Stupid

[@lynnroberts76]

I combine the utilities. That gets rid of several right there and no need to track your electric bill. Have to pay it, but can’t really manage it…

[@MonkeyMind69]

YNAB's Four Rules 1. Assign a job to each dollar 2. Embrace your true expenses 3. Roll with the Punches 4. Age your Money

[@BrettSchaffner]

How stressed was Hannah seeing Banksy come into camera after seeing what happened to Budget? 🤣😂

[@YNABofficial]

(v stressed.) -Hannah 🌻

[@mikepawlikguitar]

Hey brother, you're great on camera. I enjoy watching your vids. Learning tons about budgeting, in a fun, light-hearted fashion. It's actually really inspiring me to start my own YT channel too. Thanks Ben

[@anormalperson6566]

I really like how you introduced rule 4. It makes a lot more sense. Thanks!

[@emerson23946]

This actually got me so pumped...

[@YNABofficial]

💪🏼🏋🏼😎

[@Grace-lw4hd]

👍 I’ve been watching these and the vids are really helpful - thanks!!

[@ricebowl3]

Thanks for making updated videos in 2021

[@epowers922]

omg I am in tears this is so funny! Love the videos on this channel, really helped convince me that YNAB is right for me - thanks!

[@YNABofficial]

Hi, Everyone! Check back later this week for the second video where Ben walks us through setting up our budgets. We will add that link to the description box. 🥳 - Ashley

[@YNABofficial]

Watch how to set up your YNAB budget here! kzbin.info/www/bejne/d5-Zfqp5nrx4hbs

[@SS-wi4tm]

I get why all your videos are targeted at people who are stressed out by a lack of money and thereby take that tone. But given that savings are at an all time high (for a very fortunate percentage of the population) it would be good to get a video on incentizing budgeting when your account is looking healthy. I can't get my sister to stay budgeting for an (inevitably) scarcer future cause right now she has a years worth of savings from the pandemic. She doesn't see the point.

[@dandeangeli9860]

Thanks Ben for the engaging way you touch on the frustration most people feel when (not) managing their money. I would say the bulk of videos and books on the subjects have a very daunting learning curve that cause lay folk to simply walk away, the situation unresolved. I will give this a try...

[@YNABofficial]

Thank you, Dan! I hope YNAB works well for you. 🙂 - Ben M 🎨

[@dylanrtodd8520]

16:04 Where is the link to show setting up a budget? I didn’t see it in the description.

[@YNABofficial]

Hi, Dylan! That video is coming out later this week. We will reply to your comment with the link when it's up. 😀

[@YNABofficial]

The second video was published! kzbin.info/www/bejne/d5-Zfqp5nrx4hbs

[@33goodwitch]

Because of the stimulus and my tax return this year I am up to 60 days ahead ( never received the stimulus when they happened so it ALL came with my taxes)

[@jojovasquez8111]

I love this guy!!!! 👋🏽

[@SlyOcelot]

Banksy must be terrified. RIP, Budget.

[@YNABofficial]

Little peak behind the curtain here: The crashing noise you're hearing is actually Budget colliding with Banksy (I had placed Banksy on the "crash pad" and forgotten about it). Budget shattered on impact, and Banksy was... fine! Just goes to show: flexible budgets hold up better! ;) - Ben M

[@SlyOcelot]

@@YNABofficial Thanks for the BTS! Looking forward to seeing more of your great work.

[@gasfrommyanusi0i594]

you're an absolute great ynaber

[@jordanwilliams9300]

This was great

[@Andre-qo5ek]

i see you Jaws of the Lion... one year ago this video was posted..... did you budget for Frosthaven? (and maybe even start some resistance training for the 40lbs it weighs? )😂

[@Somebodyelse141]

This video makes me feel so seen 😩 I've always been so terrible with money and I'm just now beginning to straighten up

[@Allaiya.]

YNAB needs a store so I can buy myself a mug and a piggy bank

[@channah64]

Oh we should resurrect Budget because that bit was GOLD

[@mellowyello1478]

Ngl, there's a board game on kickstarter ive been wanting for weeks now. But my budget tells me no. Its hard.

[@YNABofficial]

Ohhhhh, I've been there, friend. I've been there... - Ben M

[@fiberterian]

Honestly, I really need a Random Kickstarter looks cool and I want it Category.

[@MT-hk9cp]

Ooh that Kickstarter addiction is a beast! I just started allocating Kickstarter to the Stuff I Forgot Budget category...problem solved since sometimes it carries over for a few months then when I see something we back that project, paid in fulll!

[@MT-hk9cp]

@@fiberterian its called Stuff I Forgot to Budget..i always include a little amount for Kickstarter

[@dandrewilliams9963]

KC stand up 🙌🏾

[@YNABofficial]

Go Chiefs! :) - Ben M

[@philipw4849]

How do you get a month ahead?

[@YNABofficial]

Hi Philip, good question! Each of the three rules has a part to play: Rule 1 allows you to make a plan before you spend, giving you a clear sense of what you want/need your money to do. This alone helped me immensely with getting ahead because I had clear expectations about what I could spend. Rule 2 helps you save for those non-monthly expenses, so you don't get set back when AAA comes due or your car breaks down. And Rule 3 helps you to maintain flexibility within your budget without going into debt and adjust your categories to be more realistic for your lifestyle. If you want to learn more about getting a month ahead, we have a free workshop called "Breaking the Paycheck to Paycheck Cycle" that goes into detail and allows you to ask more specific questions. You can find that here: www.youneedabudget.com/free-workshops/ Hope that helps! :) - Ben M

[@candiecton8965]

Thank you for making me laugh as I sit here in horrible stress over my finances. Ps-I love board games and Harry Potter too!

[@stephaniekipf2424]

Really fun video :):):)

[@ziggurad]

Thanks for the video. I have a question, despite everything, when creating a budget in YBAN, I do it for a specific month - it's so convenient for me. Am I able to somehow plan the expense, e.g. in 3 months, so as not to forget about it? But I would not like to use the money that I currently have for this, but only those that will appear in the month when I will have to spend it for this specific purpose.

[@YNABofficial]

Hi Mariusz! Yes, while we recommend only budgeting the dollars you actually have, we definitely don't want you to forget about future expenses (especially those pesky true expenses!). You can plan ahead for those future expenses by creating goals on all your categories in YNAB. You can learn more about how to do that in the Set Up Your YNAB Budget video: kzbin.info/www/bejne/d5-Zfqp5nrx4hbs Hope that helps! :) - Ben M

[@Lizzyliz1111]

The Harry Potter jokes were on point 😄

[@Shaybay922]

Wingardium Levi-NO-son..... hahahaha

[@vazjc]

Me: I can see the future. Doctor: Oh, wow. When did that start? Me: Next Tuesday.

[@rebeccaexplorer5969]

I appreciate that Ben and Hannah are just as dorky as I am.

[@YNABofficial]

🤓 -Hannah 🌻

[@chim-choo-ree]

My free trial ends in a couple of days, and I didn't budget for a YNAB subscription. AAAAAAAAHHHHHH! 😵

[@itsGabrielaCristina]

Time to put rule 3 into practice 😂

[@YNABofficial]

Or refer a friend and get a free month for you both! ;) app.youneedabudget.com/referral_program - Ben M

[@SlyOcelot]

Just WAM it!

[@chim-choo-ree]

@Lish Ward Yes! Let's!

[@MakaweeSioux]

Hi everyone, whoever is reading this just wants to say that we are all praying for each other that everything will be OK and that you will shine like a rising star with great success and wealth

[@TehLeviter]

I'm not gonna guess those number high, I'm not good with numbers when high.

[@MT-hk9cp]

I see now that I must add Ben to my "Cool Azz YNAB folks" list!

[@YNABofficial]

Aw shucks 😊 - Ben M

[@baymaxred4632]

What if you budget but you still swipe your card? since your 'budget' is just a arbitrary aim and not really a transfer of accounts from checking to saving or paying future bills but the money just sit in there and you have the debit card with you?

[@YNABofficial]

If you have linked your debit card, then that transaction will import into YNAB once it clears your bank (if you haven't linked it, you can put the transaction into YNAB yourself). Your budget will update with that information, so that you can see how much money you still have set aside for that category. If you overspend, you just follow Rule 3. Hope that helps! 🙂 - Ben M

[@claudiaramosmonteiro]

So cool ^^

[@vazjc]

Just got to 30 days but I'm not working so age of money is going to fall.

[@zennyosorio9841]

I AM SCARED TO DO THIS. I AM A RETIREE AND DO NOT KNOW HOW TO BUDGET MY MONEY, AND SCARED TO FAIL.

[@elizabethman7313]

Please give YNAB a go. It really is as good as you hope.

[@erusseestelinya]

Why does Budget's voice sound like Larry the Cucumber? 😂

[@erakkovaatainen148]

Banks and merchants must hate people who budget. I am now one of them. YNAB works to the point you pay next month with a money of today.

[@SmallSpoonBrigade]

Yes and no, during the great recession, fiscally responsible people were the main reason why more didn't go under. Where do you think the money that banks and credit card companies lend comes from? It's mostly money that's on loan from those that aren't spending every cent that comes their way as soon as it gets there. Sure, the profits mostly come from interest and fees, most of which is coming from the irresponsible, but the actual money that they lend comes from people depositing it rather than spending it.

[@Tiredmum]

The blue piggy had that coming.... lmao

[@Starpotion]

Will Budget be okay? 🥺

[@YNABofficial]

Budget's gonna be alright. He's on a farm in the country with lots of other piggy banks, roaming the fields, living his best life. 🌻 Hannah

[@barelyharmful9539]

Poor piggy. I can lend you super glue.

[@YNABofficial]

🙌

[@kayonnewebley7123]

When he THREW evil Banksy...😂😂😂

[@mugginsthedestroyer]

you definitely rolled with the punches when you broke the piggy bank.

[@Samwoww7]

Thank you, fiscally responsible Billy Joe Armstrong

[@YNABofficial]

Oh my gosh, this had me rolling 😂😂😂😂 -Hannah 🌻

[@jenniferselespara1327]

Rest in peace blue pig 😂

[@DylanWallace-o5q]

Eusebio Island

[@GunShyGymnast]

"Wingardium Levi-No!-Son!" (I'm laughing too hard.)

[@lesleymontandon4218]

Same! LOL!

[@yarnstead]

😁 “IT’S OK TO CHANGE YOUR BUDGET!”

[@YNABofficial]

A lot of people don't believe me until I pull out the megaphone. Then they know I mean it. (And then the barista usually asks me to leave for causing a disturbance.) - Ben M

[@JohnSmith-qh6zh]

Bring back Hannah please!!!!!!!!!!!!!!

[@YNABofficial]

No need to fear! We've got new Heard It From Hannah videos coming out every other Friday. 😉 - Ben M

[@prexzone]

Based on the last rule. 34 days isn’t enough to truly test it out

[@JessicaEvans-zt6lf]

But it's much better than a 7 or 14 day attempt.

[@StudioHannah]

We just witnessed a murder

[@YNABofficial]

😬 - Ben M

[@NurseMoneyGrowWealth]

😂

[@Dbzman-69]

Im trying to make my money old as F.... im talking master Roshi age

[@willstewart9728]

2:21 to skip the dumb, preschool skit.

[@joshcarlile168]

Just go watch Mapped Out Money. No failed attempts to be funny, and actually gives awesome info. This video is... rough.

[@gepardtilly]

This could have been a 3 minute concise video. The jokes were lame and wasted so much of my time...