The Best Family Finance Software Changes Lives

Real People, Unreal Results. (Really.)

The police officer, school teacher, engineer, firefighter, attorney, doctor, professor, designer, manager and rocket scientist all have one thing in common: they’re killing it financially with YNAB.

Adam, Grafton, MA

I work as a systems engineer for a large online retailer (CSN Stores). My wife and I moved in together very shortly after dating. I had a substantial amount of debt (close to $35k) and she had none. She managed her money much better than I did and worked two full-time jobs through college to make sure she had no debt. I didn't want to tell her just how bad my money situation was. I had to pull $2000 from my over draft fund just to cover the expenses of moving in together.

Within months, money became a serious issue. My wife didn't know how to handle debt and it started to take a toll. I was head over heels in love with this woman, and was watching her cry every night over the money issue. I went from never really managing my money to having someone depend on me. I realized if I didn’t fix this, I'd lose her. She was my other half and I couldn't let that happen.

The YNAB program was very simple to use. It was the money organization that was tough. I spent a month or so tracking all our money and figuring out just how much we had so I could know how much we needed to pay down. I setup a snowball spreadsheet to help with the debt and dumped everything else into YNAB. It took a good three months for everything to solidify.

I was much happier. We had a plan. My wife stopped crying at night. We were paying debt off and had an approximate time-line for when it was going to happen. It's been three and half years since we started with YNAB. In that time we've paid off $35k of debt, paid cash for our wedding (roughly $6k), paid cash for our honeymoon (roughly $7200),  and paid cash for a week long trip to Italy to celebrate our one year anniversary ($4000). Now we’re saving for a house. We'll be able to afford it MUCH sooner thanks to YNAB and some dedication. In June, we'll also be expecting the arrival of our first child.

Having a full grasp on our finances has really turned my life around. We manage it and don't let it manage us. I'm happily married with a child on the way  and house hunting, without a huge weight on my shoulders. Money is no longer an issue.

I don't usually go out of my way to share my story like this, but I came from a place that was "scary" to say the least. Thanks to a solid system, YNAB helped me out of the hole. I just want others to know that there is a light at the end of the tunnel. Keep working at it. It is totally worth the work.

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I was much happier. We had a plan. My wife stopped crying at night.

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