In the investing world there is a number known as “beta”. Investopedia defines beta as follows:
A measure of a security’s or portfolio’s volatility, or systematic risk, in comparison to the market as a whole. Also known as “beta coefficient.”
Beta is calculated using regression analysis, and you can think of beta as the tendency of [...]

The #1 question asked of me by those people just starting YNAB is how exactly to get going. As you know, to use YNAB most effectively you should save one month’s expenses (hereafter known as the “buffer”).
I’ll address the following issues or concerns (also, see the setup guide):

Where should you physically put this money once [...]

If someone were to ask me to give them one piece of advice regarding their money I would tell them one thing (and I wouldn’t hesitate at all in telling them): Get on a written budget.
And if that someone wanted a tip about budgeting specifically, I would tell them one thing (and I wouldn’t hesitate [...]

Not all of us are the left-brained-accountant type of person. That does not, however, exclude you from responsible money management. Worksheets constructed just for this purpose can make even a right-brained person appear left-brained to their friends – and isn’t this what we’re all shooting for?
However, I’ve seen some tweakings on the YNAB Personal Budget [...]