Hello, YNABbers. My name is Jesse Miko and this is another episode of the YNAB podcast where

we teach you four rules to help you stop living paycheck to paycheck, get out of debt

and save more money. And this is an Ask Jesse episode. I am speaking this slowly because

Lesley wrote to me very kindly. She said, hi, Jesse. Love listening to your advice, slash

comments. But please, could you talk a little slower? Lesley. Lesley, this is about as much

as I can give you. This is the answer. I don't think I can keep it up. I can feel the pace

trying to be pushed. I will say, Lesley, that if you are listening on any kind of even

remotely modern podcast app, there are ways to accelerate podcasts. And that's where

most people land. But if you are finding my natural speed to be someone else's 1.5,

which is such a humble brag, you can slow me down. And if you have a somewhat slightly

more than modern podcast app, you can usually change the setting per podcast. So if you have

an episode or a podcast host like me, who speaks normally very, very quickly, you can

down me back to like 0.75 or something. But I'm going to push this on you, Lesley, because

I haven't had anyone else write in and say, hey man, slow down. So I'm going to keep my

normal speed because that's all I can do. And then we'll just go from there. All right,

here we go. Monique asked, I've been using YNAB for six years now. I love it. And there

are seven exclamation points after the it. I just retired and set myself up pretty good

for retirement. I've had a number of house repair expenses, big ticket items, and I've

tapped my into my savings account. I keep on hand for home repairs in YNAB parlance. That

is a category, perhaps, but Monique may actually have it in a separate account for some reason

or another. I have at least 36 months money saved in my check in account for my monthly

bills and other expenses. Here's my question. Should I transfer the additional funds accrued

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