YNAB Method Overhaul... Not Really
The YNAB Podcast
YNAB
4.7 • 1.1K Ratings
🗓️ 20 January 2025
⏱️ 10 minutes
🧾️ Download transcript
Summary
The Four Rules are out... the Five Questions are in! Well... not really, the Four Rules have just been transformed and clarified. As Jesse has pointed out in prior podcasts, the Four Rules were really just one rule, the first rule -- Give Every Dollar a Job.
And that is still the master rule. To clarify what giving every dollar a job means, YNAB has come up with five questions:
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What does this money need to do before I’m paid again? (Reality)
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What larger, less frequent spending do I need to prepare for? (Stability)
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What can I set aside for next month’s spending? (Resilience)
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What goals, large or small, do I want to prioritize? (Creation)
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What changes do I need to make, if any? (Flexibility)
These five questions are designed to give you more clarity about what you want your money to do for you, and ultimately how you want to spend your live. In a word, how to live spendfully.
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Transcript
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| 0:00.0 | Hello, Wine Abbers. My name is Jesse Meekam with another episode of the Wine Ant podcast, |
| 0:09.3 | and I'm here each week to obsess out loud about spending, purposefully, saving, aspirationally, |
| 0:13.5 | and giving joyfully. It all comes down to just giving every single one of those precious |
| 0:18.7 | little dollars you work so hard for a job you might have noticed |
| 0:23.7 | or maybe not because you were busy with the holidays and new year's resolves uh you might |
| 0:30.7 | you might you may have noticed that uh we are an education company that sells software and i noticed that in i don't remember where i read that |
| 0:41.0 | but a customer said something along the lines of i get the feeling that winab is an education |
| 0:46.5 | company that just makes their money with software and that is so true that feeling that was a true |
| 0:52.6 | feeling we are an education company that pays the bills |
| 0:55.8 | with fantastic software. And because we are an education company, we can't ever stop thinking |
| 1:03.4 | about how we teach the method. We can't ever stop iterating on the actual method. And 2025 will be no different. |
| 1:14.2 | 2024 certainly wasn't. |
| 1:15.9 | We kind of reassess the whole thing. |
| 1:19.1 | You may have noticed, and I know I've said this in the podcast over the years, and you |
| 1:22.5 | might have even noticed it in the last six months where this all came to a head where my |
| 1:26.2 | podcast is doing little, |
| 1:27.6 | little Easter eggs accidentally because it's on my mind. |
| 1:30.3 | But I've mentioned a lot that give every dollar a job is kind of the only rule. |
| 1:36.9 | And the reason I say that is because if you examine the other four rules of the old |
| 1:41.4 | YNAP method, the other three rules, they were all just still giving every dollar a job, |
| 1:46.5 | giving every dollar a job for later, |
| 1:48.0 | larger, |
... |
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