What if... saving money wasn't actually a thing? Crazy, right?! Well, if you subscribe to YNAB's philosophy -- the Four Rules -- then money is properly understand as a spending tool. The whole point of money, and your budget, is to plan how to spend your money. Savings is really just money that you plan to spend later, whether it's three days later at the grocery, three months later for an oil change you know you need to get, or thirty years later when you retire from the workforce!
Ben and Ernie explore this idea, prompted by a blog post Ben wrote back in September. Saving money is a bummer for a lot of people, and perhaps the reason is because they were thinking about it all wrong!
There's No Such Thing as Saving Money (Blog Post) by Ben Barlowe:
https://www.ynab.com/blog/no-such-thing-as-savings
Share your YNAB wins with Ben and Ernie!
budgetnerds@ynab.com
Follow Budget Nerds on YouTube:
https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g
#90 - YNAB Mega Wins: Round Two
#89 - Find the Money First
#88 - Swim Fins and Why You Shouldn't Compare Yourself to Others
#87 - Stop Making Boring Financial Goals
#86 - Cash Categories vs Cash Accounts
#85 - Do I Have to Give EVERY Dollar A Job?
#84 - How I Learned to Stop Worrying and Love My Unexpected Expenses
#83 - Kath Eats: An Interview with Nutrition Blogger Kath Younger, RD
#82 - YNAB's Four... Habits?
#81 - YNAB Wins Mega Episode
BONUS - Live Q&A on YouTube (11/29/2023)
#79 - ANNOUNCEMENT! Live Q&A Today at 3:00pm EST (Nov 29th, 2023)
#78 - Are Impulse Purchases Wrecking Your Finances? A YNAB Study Finds Out
#77 - Are You On the Credit Card Float? Credit Card Alerts Can Help
#76 - The Most Elegant Budget We've Ever Seen? An Interview with Budget Nerd Lee Bond
#75 - The Ultimate Guide to Targets in YNAB
#74 - The Unexpected Benefits of Budgeting
#73 - Saving Dollars? Sure, But How About Saving Time!
#72 - Paying Off the Mortgage: Erin Walks Through How She Did It
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