YNAB’s Newest Feature: YNAB Together!

[@rorysparshott4223]

I think having a way of sharing your budget but not transactions would be really useful for friend groups. Plus would make people more likely to get on board

[@damarindo]

THANK YOU for releasing this feature!! I've been a ynab user/fan for the last 6 years or so. When I got married, my husband and I started a new budget together for our shared expenses. We have "financial dates" every 6-8 weeks to make sure everything is in order. This will make things soooo much easier. I already recruited my niece to start her own journey as well. Again, thank you so much!! ✨

[@YNABofficial]

YAAY, I'm so glad to hear that!! A good day for all!! 🌻 Hannah

[@jessicajennings671]

I've been wanting this feature for SO long! Thanks for your relevant, important, fantastic work/updates that continues to evolve YNAB into a better and better budgeting program. Been a YNAB user for almost 10 years!

[@YNABofficial]

Ummm... SAME. It might actually blow your mind to learn how many years we spent developing and testing and perfecting this feature before releasing it-we're so glad it's finally out in the wild and doin' it's thang! 🌻 Hannah

[@samanthathomas1825]

Thank you guys so much for this feature! I have a family member who has been struggling financially for a while and they've wanted to use YNAB, but couldn't justify any extra spending. I can now add them to my subscription and help them out which I've wanted to do for ages!

[@toddw8396]

This is the biggest thing to happen to YNAB, yet…very impressive! 🙌🏻 OG user here going back to the olden times of the non-web based version. It continues to be the only real budgeting software out there!

[@YNABofficial]

Niiiiice!! You've really seem YNAB evolve over time, then! Your feedback is music to our ears 🥰 Thank you so much for being such a loyal YNAB user! Users like you are the whole reason we've become who we are today-we have no idea who we'd be without you! 🌻 Hannah

[@dlbrowning9221]

Hannah - Your videos are the best!! Could you please put together a very basic and fun ‘YNAB 101’ video - including the 4 rules - for teenagers? My son has his own checking & savings accounts (linked to mine of course), and I want to get him started budgeting now! But I know if I send him to the regular YNAB videos it will be too much and he’ll tune out. His categories are things like eating out, movies, video games, and gas - not real bills. Thanks!!

[@YNABofficial]

Ohhhh, I love this. Thanks so much for putting this idea on my radar! I almost can't believe we don't have one like it yet! Putting it on my ideas list right now! 🌻Hannah

[@dlbrowning9221]

@@YNABofficial YAY!! Thanks, Hannah!!

[@YNABofficial]

@@dlbrowning9221 curious if you were hoping for just a teaching of the method (the four rules), or also showing them how to work the app? There's a lot to cover among those two things, and wondering where I should put my focus! 🌻 Hannah

[@dlbrowning9221]

@@YNABofficial Ack - sorry to answer so late, Hannah! Both would be useful, but what I’d really like is the first - teaching the four rules in a simplified, teenager appropriate version. Thank you!

[@jaclyndougherty3271]

Yes! Our son just got a junior checking and already had a savings. Budgeting for teens would be great! Our bank is only in Lenexa, KS (or I guess surrounding KC area only) and we live in Texas now, so going to an actual bank isn't in the cards for us

[@vickivee]

Budgeting this morning for January and realized I am FINALLY 1 month ahead! 🎉 I love YNAB.

[@YNABofficial]

YAAAAAY!!! Isn't that an amazing feeling?!?! Aging your money is almost addicting... you just wanna see it creep higher and higher. I love it. Congrats friend!! Celebrate somehow!! 🌻 Hannah

[@dta1329]

Brilliant idea. Y’all thought of so many solutions for different scenarios/use cases. 😊

[@YNABofficial]

Well, *we* only did because you guys did! We've heard plenty of stories over the years of different close-knit groups that really could've benefitted from having a group plan. You asked, so we answered! 🌻 Hannah

[@Kornax24]

This is amazing. Thank you so much for this feature! Now a YNAB subscription feels like a steal!

[@YNABofficial]

🥰🥰 🌻 Hannah

[@evee1233]

I am beyond excited for this. Been waiting for ever!

[@YNABofficial]

YAY! So have we, and we're excited yall finally have it in your hands! 🌻 Hannah

[@EmmaCOW93]

Thank you for this feature & this walkthrough! This is perfect for my retired mother who has little spending money!

[@YNABofficial]

Yay!! You're so welcome!! 🌻 Hannah

[@Maneetpaul]

I haven't finished watching this yet (LOVE this update btw) but I just needed to come down to the comments to say how much I love the personality in this video. It's so much fun to watch. Thanks. YNAB, for making budgeting and finances an exciting topic to learn about!!

[@heatherhadiasteiner]

This is exactly what I was coming to comment. Way to go!

[@YNABofficial]

YAY! I'm lucky to work a place that values authenticity, fun, and approachability! So glad it makes these videos worth watching. Thanks for the support! 🌻 Hannah

[@AustinSpringer]

I have spent hours looking into couple's finance options, including Zeta and Qube money, but I already have multiple bank accounts, and a joint account. I don't need another account. So I think I'm going to try this out, as YNAB is supposed to be the best. Hopefully, it all goes well, as it's been a struggle lately, and we need to kick our butts in gear as my wife just got laid off.

[@YNABofficial]

Oh, so sorry to hear about the job loss! YNAB is set up very well to create clear and efficient financial communication between couples, whether you share every single expense or not! Make sure to browse our KZbin channel to learn more about how to work YNAB, and browse our Help Center as well to see if you can find any articles that answer more specific questions. You are also welcome to reach out to our Customer Support team, no matter how big or small the question, any time you want! www.youneedabudget.com/help-center/ 🌻 Hannah

[@greenlantern1986]

Wasn't psyched about the price increase for this year, but this is some good value right here.

[@YNABofficial]

🥰🥰 We value your loyalty so much!! 🌻 Hannah

[@astropgn]

A subscription with ynab together should be priced higher than one without it. There is no sense in making me pay for something I won't use.

[@tesshuwe]

Super excited for this! I’d also love the ability to tag my husband in a transaction I need him to look at (mainly thinking about imported transactions I’m not sure are categorized correctly)

[@YNABofficial]

Oooooh! I love that idea!! If you're up for it, go ahead and submit that idea as a feature request with this form!! youneedabudget.typeform.com/to/Pt6cek?typeform-source=docs.youneedabudget.com 🌻 Hannah

[@tesshuwe]

@@YNABofficial done!

[@growingbrainsjunkine]

Did this happen, did I miss this?? Cause I would LOVE THIS SO MUCH!!! We just got a puppy and it is wrecking our Amazon and Walmart transaction categories!!! BUT WE LOVE HER SO ALL IS GOOD!!

[@tesshuwe]

@@growingbrainsjunkine not as far as I know, but I did submit the feedback form with the idea 🤞🏻

[@TwoPlusTwoEqualsFive32]

I have been using YNAB since 2013, I was 21 years old and was only beginning with the concepts of financial freedom, honestly I purchased it so long ago I had to go through my archived emails to find the receipt. It has been the only budgeting style/tool that has worked for me with ADHD, of which I was unmedicated for most of that time. If you know anything about ADHD that is a big deal, us ADHD folk are great when it comes to creating plans, terrible when it comes to following them, add in compulsivity and inability to form positive habits and you have a recipe for financial disaster, debt, overspending, and poor choices. I won't lie and say that my budget is perfect, it's not, impulsivity often gets the best of me and I overspend in categories but the reason YNAB works over other methods is it has that flexibility, I can move things around, prioritise, de-prioritise, I am never stuck with a single option or plan, it works with me instead of attempting to control me. It helps to give me a level of perspective that at the very lease moderates my over spending and allows me enough control that so far in my 30s I have been able to avoid getting into debt, taking loans, or using payment plans entirely. Whenever a bill is due I can just pay it, whenever my phone, PC, or car breaks I already have the funds to repair/replace them, it has been a life changer and is worth every cent.

[@erniev2644]

😭 Thank you for this! Been a member since before the web version! I didn’t want to pay extra just for my teenager. This is so amazing. Thank you.

[@YNABofficial]

YAAAAY! We love that Ernie!! Excited for YNAB to get into the hands of more people!! 🌻 Hannah

[@e13c7r0nic]

Thank you! Me and my wife have been waiting years for this feature!

[@ChristopherZenner]

OMG!!! The feature I’ve been (very impatiently) waiting for! 🎉 Thank you, YNAB Team! 🙏🏽 Y’all are AWESOME! 🤩

[@YNABofficial]

YAAAAY!! We've been very impatiently waiting too 😂 So glad YNAB Together has come to life and that YNAB is so much easier to share and use with the ones we love! 🥰 🌻 Hannah

[@WealthyHabitsCoaching]

This is amazing. Thank you YNAB for always giving us the best tools to manage our money.

[@YNABofficial]

It's our joy!! 🥰 🌻 Hannah

[@ejprosse]

You’re the best Hannah! I’m a YNAB user, but just watch your videos because they are so entertaining!

[@YNABofficial]

🥰🥹 I'm not crying, YOU'RE crying. Thanks Eric!! The encouragement is MUCH appreciated!! 🌻 Hannah

[@daftoptimist]

This is an incredible new feature. I’m trying to convince my parents to hop on it. They’ve seen the progress I’ve made since joining YNAB, so hopefully that’s motivating for them.

[@YNABofficial]

Yay! I hope so too! 🌻 Hannah

[@ItsNuree]

I completely forgot about YNAB at a younger age, so glad I found this new video on KZbin Home. Gonna check this out again!

[@YNABofficial]

YAAAAYY!! YNAB's been the biggest game changer for me. Seriously, have no idea where I would be without it. Best of luck on your journey!! Come back here with any questions if ya have em! 🌻 Hannah

[@johannahs1967]

Thank you for doing this feature we can finally have one account. Only improvement I can think of is as a manager I don't want to see all the member's budgets, only those we share.

[@ursli893]

Very easy: Groupadmin has a separate email and two of you each know a part of the password. Then both of you have separate accounts. Since no one has the group admin password completely you are good to go

[@NewbieSoaper]

I just found this! Thank you so SO much. This is exactly what I need!

[@saralep]

Thank you for adding this feature!!

[@EricHogue]

This is awesome! I have been waiting for this feature since I started YNAB. Thank you!

[@YNABofficial]

Today's your today, Eric!! 🥳🥳 🌻 Hannah

[@brandym143]

Great job YNAB!

[@Phinaplexy]

Yes!!!!! thank you YNAB

[@PyrexCelso]

This is awesome. I recently started using YNAB and we identified the feature gap. One week after you release it. Now that’s good product prioritization 😂

[@YNABofficial]

We had our eyes on the prize 🤩 🌻 Hannah

[@grandspartan1176]

I was so excited to get the pop up for this. Been trying to get my mom and in-laws on the YNAB game for some time and this is gonna make it happen!

[@YNABofficial]

Woo hoooo!! We love that! 🥰 🌻 Hannah

[@Bob-mn7ob]

Nice presentation style & information. Thanks.

[@wannabedal-adx458]

Trying to think how this will work for my mom. She's old school and is used to keeping track of spending via an accounting ledger. Me I'm not 100% YNAB compliant, but I make it work. But this will allow me to help my mom when needed based on her expenses. Thanks, will investigate this further. Also I continue to love your videos and the bloopers at the end. Don't change Hannah!

[@YNABofficial]

YAY! Oh, I love that! Make it work to fit *your* scenario and your needs! And OH, thank you so much 🥰🥰 That means the world! 🌻 Hannah

[@peterrak4291]

This is awesome! I’m a newly wed and this is perfect for us!

[@YNABofficial]

Absolutely!! Right on time, huh?! 🥳 🌻 Hannah

[@darkphoenix6807]

I LOVE this new feature! My mom has wanted to try but didn’t have the money! This is going to help her so much!!

[@YNABofficial]

YAY! I'm so glad!! Best of wishes to her in starting YNAB!! 🌻 Hannah

[@hugofrom69]

Magnifique, merci !!!

[@cathalmeenagh4423]

Thanks for this!!

[@nicolavitkovich5698]

Thank you! This is HUGE! 🎉🎉🎉🎉

[@YNABofficial]

📢📢📢🥳🥳🥳 🌻 Hannah

[@MariLarkin]

This is great!!!!

[@deniselittle5558]

Way to go YNAB! But I just come here to watch Hannah. I've tried the 34 day trial on my laptop, but I can't get rid of the boxes with instructions and information... they are in the way and it frustrates me so i gave up.

[@YNABofficial]

Hey, Denise. Be sure to go through the onboarding in the web app. There are just a few steps to go through and then you won't see any more help boxes like those. If you're still seeing them after going through the steps, reach out to our support team and we can take a look! 👀 ~BenB

[@hvbbnet]

This is really nice BUT we need a read-only option for someone to just be able to view the budget without editing it.

[@YNABofficial]

We may add more specific permission levels in the future if it becomes clear that's something a lot of folks need! This is the first iteration that lays the groundwork for all sorts of possibilities! ~BenB

[@debbiew263]

Would have been very helpful when caring for my elderly parent.

[@TheLeopardBrightsky]

Can you remove someone? And then add a new person (essentially resetting the invites)?

[@YNABofficial]

Yes, the group manager can remove anyone from the group whenever they like. Any budgets that are owned by that individual will go with them and they'll automatically start a 34-day trial with their own YNAB account. That will free up a slot for a new member as well. You can have up to 5 members (plus the group manager) at a time. ~BenB

[@TheLeopardBrightsky]

@@YNABofficial epic, thanks!

[@yonallb]

Must auto upvote every hanna (hannah?) video. Now to see if I can get my mom on this train.

[@YNABofficial]

Hannah 😎 Although I did briefly consider legally changing it to Hanna when I changed my last name after our wedding-I just think it's so much prettier without the h on the end! But it probably would've gotten misspelled for the rest of my life that way. 😂 🌻 Hannah

[@gaelmarin4265]

Hi, great feature. As far as I understand it, it does not yet support shared expenses (like Splitwise), right? It's not aimed for that If I understand correctly.

[@rolandblais]

Can group members opt to disallow viewing of their budget(s) by the group manager?

[@samanthathomas1825]

I'm pretty certain that the group manager can always see all of the group member's budgets. I think the idea here is that it will limit a netflix-type problem where people share their logins with their neighbours/acquaintances/third-cousins-twice-removed. I don't love that it's set up like this, but I can understand why they've done it this way.

[@rolandblais]

Yep, I saw in the FAQ "All budgets... are always shared with you", but maybe as a future features members could make their budgets truly private. I know someone who *really* needs help but they've shunned all offers, primarily because they are afraid of sharing their finances, even when I tried to explain that I'd enjoy just talking about the method and we don't need to talk about numbers at all...

[@KeithBarrowsToday]

I would like to share a portion of my budget with someone. I am guessing I cannot do that. So - request! :)

[@YNABofficial]

Hmmm. A *portion* of the budget I don't believe we have the capability for yet, but you should absolutely drop that as a recommendation for our developers! You can do that at this link: youneedabudget.typeform.com/to/Pt6cek?typeform-source=docs.youneedabudget.com Otherwise, YNAB Together is a great way to share *full* budgets with loved ones. You can learn more about that here: support.youneedabudget.com/en_us/ynab-together-B1nS78Cki 🌻 Hannah

[@questionyourbeliefs]

Is there an in-depth tutorial on ynab together for partners? Really would like to get off to a good start on this :)

[@YNABofficial]

Hey Ashok! This guide should have everything you need to know about YNAB Together! support.youneedabudget.com/en_us/ynab-together-B1nS78Cki 🌻 Hannah

[@prexzone]

Why does the manager have to see every budget? Is it to prevent sharing with friends? You can have the manager see the budget created without having them see every detail. This is great by the way. Was hoping shared subscription would be a thing

[@YNABofficial]

Yes, very good question! You're right, that feature is to prevent subscription sharing among strangers or people outside of close groups. We thought about this a lot, because we wanted to provide this as part of a regular subscription, but obviously we wanted to avoid too much lost revenue from people who are not tightly connected sharing a subscription. Because the group manager can see all budgets in the group, it's really only for groups that are close-knit enough that they are comfortable sharing financial information. That's why we were comfortable offering this at no additional cost. I'm sure some subscription-sharing will still happen, but it won't be as much of an issue compared to a streaming service, for example. ~BenB

[@breezybre2670]

I think it is great as a parent of teenagers!

[@sethwilliamson]

Looking good! 👍 Next step: Add the ability to have multiple managers and promote my partner to a co-manager, optionally with more granular permissions. Continuity is very important to us. We have worked hard to have all of our affairs structured so that it passes the "what if I got hit by a bus tomorrow" test. As much as possible, we want the surviving partner to be able to have as little as possible to worry about. I'd like it if we can both manage billing and have full admin control over the family budget. If the answer to the question is "Well, they better have access to the deceased person's login credential or email for a password reset." That's suboptimal. Setting up a support process where spouses submit marriage certificates and death certificates to gain access is a whole other mess you probably don't want to get into. It is also a chore that a grieving spouse shouldn't have to go through. Anyone who has lost a loved one and gone through the Executor process knows where I'm coming from when I talk about my motivation to have that transition be as easy as possible on my survivors.

[@YNABofficial]

Very good points! I highly recommend using a password manager with a process that allows partners to gain access to those necessary passwords after one person passes away or becomes disabled. It's not just YNAB - there are a whole bunch of accounts they need access to and a password manager is a great way to facilitate that! ~BenB

[@sethwilliamson]

@@YNABofficial Yup, that's what we have done. It is a little more challenging with OTP/2FA. Even in this video you acknowledge sharing a login isn't an awesome solution. I still stand by my feature request to allow multiple managers per budget.

[@ethanharlig8621]

I'm a little unclear on flags, can they be shared between budgets of connected accounts? It'd be awesome for both me and my partner to apply a shared flag to transactions, then report on transactions with that flag in both budgets.

[@YNABofficial]

The flags are customizable to each shared budget! So if you and your partner shared a Small Business budget, you could name the flags Tax-Deductible, Employee Expense, Travel Reimbursements, etc. But if you also shared a Household Expenses budget, you could customize those flags totally differently-John's Car, Avery's Car, To Be Reimbursed, etc. Does that help?? 🌻 Hannah

[@PMG1501]

Good Morning! Any promotions for Ynab's annual subscription on Black Friday?

[@YNABofficial]

Howdy! While we don’t have any coupon codes or seasonal sales available, we do offer a discount for former YNAB 4 users and we have a special College Program for current students (with proof of enrollment). Link to the college program can be found here! www.ynab.com/college 🌻 Hannah

[@smith12885]

I have am unrelated question: are there known issues in syncing multiple android and apple devices and then syncing bank reconciliation? I've been having issues with my husband entering purchases that don't come across to my android. Then the bank syncs were incomplete and I had to hand reconcile it. Still faster than it used to take me, but worrisome.

[@YNABofficial]

Hmmmm... I'm not sure! This would be a great question for our customer support team because they know all the ins and outs of this stuff! You can reach out to them at www.ynab.com/help! 🌻 Hannah

[@Lightkeepernc]

Hi! This is a great feature indeed! How would it work for 2 people that already have YNAB subs and want to fuse together then? Can we still keep the budgets and merge the subscriptions?

[@YNABofficial]

You should be able to find your answer to this question in the "How to Join a Group" section! But the short answer is yes, you will keep your current budgets, and only the group manager will be charged for the subscription-the other group member will be refunded a prorated amount based on however many days they had left of their current subscription. Find more deets here! support.youneedabudget.com/en_us/ynab-together-B1nS78Cki#join 🌻 Hannah

[@Lightkeepernc]

@@YNABofficial thanks a bunch! Love you guys

[@shelby7599]

If I wanted to add someone that already has YNAB, is there an option to transfer their current information and budget to the new account? I help my parents with their budget every month and it would be so much easier to just add her to my together account and we can just split the subscription

[@YNABofficial]

Hey Shelby! You can can find all the details on adding an existing YNAB user to your YNAB Together group from this help doc! Let me know if you have any other questions! support.youneedabudget.com/en_us/ynab-together-B1nS78Cki#invite 🌻 Hannah

[@DahlMarkPhoto]

It is not letting me view the other budgets, when will that be completed/ fixed?

[@YNABofficial]

Hey Joel! You can read up here on how YNAB Together functions! support.youneedabudget.com/en_us/ynab-together-B1nS78Cki Otherwise, if you think something's wrong with your budget, you can write into our customer support team and they'll help you out! www.ynab.com/help Hope this helps! 🌻 Hannah

[@DahlMarkPhoto]

@@YNABofficial I read that, but it doesn’t help me with viewing other budgets.

[@YNABofficial]

Huh. Definitely write into support! They'll help you figure out what you're trying to achieve or what might be going wrong! ynab.kustomer.help/contact/contact-us-B1OG9RFfj 🌻 Hannah

[@yevheniimelnyk8911]

Unbelievable!!!

[@breezybre2670]

Can you invite or ad someone who doesn't have an email address?

[@YNABofficial]

Hey Bre! The link to set up YNAB Together has to come to an email address, so the invitee won't be able to accept an invite to join a group without access to that email. If you have a teenager or parent who has never had an email address before, you can always set them up an email that they use solely for YNAB. 🌻 Hannah

[@fmoesch]

In the software and subscription world, singles are often price discriminated against. Now this is also the case with YNAB.

[@samanthathomas1825]

How so? The price isn't changing at all.

[@fmoesch]

@@samanthathomas1825 2 persons = 1 subscription. 1 person = 1 subscription. That is a difference calculated down per person😎

[@samanthathomas1825]

@@fmoesch You can now have up to 6 people on one subscription. Does that mean that couples are discriminated against compared to families of four? It seems a slightly silly argument to make when the price of the subscription isn't changing at all. What would you have prefered, that they increase the price? I don't know how else they could have added this feature without completely screwing people over, or making a completely unsustainable business model.

[@nosirrahm]

Well, get yourself a family.🤷🏽‍♀️ It’s helping the folks that don’t want to share credentials or people seeing personal budgets with shared family members.

[@fmoesch]

My preference would be the following: Features with added value for all paying users. If additional users need a tool, they should also pay for it and not let others pay for it. Development power costs, that's what I pay a subscription for. Not all features are always suitable for everyone, I realize that. But this isn't about a real feature, it's about usage by multiple people who don't pay for it. But yes, I see the benefit of the feature for people in a relationship. But for me this would have been solved more fairly with a separate plan.

[@nosirrahm]

Yay! Love this. Now if my teen daughter would just use it so she manages her money better. 🫤

[@YNABofficial]

Right?! Maybe you could give her a little "sign on" bonus 😅 🌻 Hannah

[@nosirrahm]

@@YNABofficial - I have never given her more money than since she got a job. 😫 How does that happen? Every paycheck she refreshes her budget. 🤦🏽‍♀️ She’s getting the hard cut-off with her new new job.

[@YNABofficial]

Really?!?! Honestly, I get it! I NEVER went into consumer debt... *until* I got my first salary. I was making more money than ever, so my eyes got waaay waaay wider than my stomach! Err... my wallet's stomach 😂 🌻 Hannah