066 - Big Goals, and Nothing Else Matters

The YNAB Podcast

YNAB

Consolidation, Total, Budget, Dave, Peace, Money, A, Education, Ynab, Finance, Bankruptcy, Makeover, Fpu, Software, Management, Personal, Need, Ramsey, Financial, University, Debt, Kids & Family, You

4.7 • 1.1K Ratings

🗓️ 21 January 2013

⏱️ 8 minutes

🔗️ Recording | iTunes | RSS

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Summary

If you're getting the big goals taken care of, nothing else really matters.

Transcript

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0:00.0	Hello, whinabbers. My name is Jesse Meekam, and this is podcast number 66 for
0:17.1	you need a budget, where we teach you four rules to help you stop living paycheck to
0:21.4	paycheck, get out of debt, and save more money.
0:26.3	Today I want to talk about big goals, little goals, little annoyances, things that you should just ignore when you are a
0:35.5	budgeting guru such as yourself. Sometimes you can get caught up in the details and
0:40.6	I know half of wine abbers are detail oriented OCD perfectionists and you love tweaking and just mixing things up with the budget and moving little dimes and nickels around.
0:57.0	So maybe this one speaks so well to you, but there's another bunch of you that can get lost in the minutia and bring you to a screeching halt when it comes to
1:09.5	progress. Or just feeling positive about yourself, feeling positive about your efforts.
1:15.0	I've mentioned this a few times, I don't know if it's on the podcast or on the blog or whatever, but
1:20.0	I long for the day when my budget is a very just very few line items. I would have
1:31.6	one line item for big expenses that would surprise me unless I explicitly
1:37.8	called them out like Christmas, though it shouldn't surprise any of us, it still does.
1:42.5	Pay it off from 2012.
1:44.5	Start setting aside money for 2013.
1:47.9	Christmas, car registration, car insurance,
1:50.6	property taxes, life insurance,
1:53.4	property taxes, life insurance, braces that you see coming down the pipeline with your eight-year-old.
1:59.6	Anyway, so you see, I'd have a line item for that so I could have some, people would call it a little bit of like
2:09.7	Claire of Wiancy, because you are so, it's like you're divine in the future, but really you're just looking ahead to the. of
2:15.0	or voyancy because you are so, it's like you're divining the future, but really you're just looking ahead to the stuff that's easily predictable.
2:16.0	I'd have one line item for that. I'd have a line item for giving. I'd have a line item for retirement. I would have a line item for emergency stuff like a
2:28.4	fluctuation category where hey I didn't see it coming and it would have thrown me off except I have this flux category.
	...

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