A Change to the YNAB Methodology (Sort of)

I’ve been wanting to do this for a while.

We’re going to change the order of the Rules in the YNAB Methodology. You’ll see the change slowly rollout as we update the site, software, tutorials, etc.

Rule Two will be Rule One.
Rule Three will be Rule Two.
Rule Four will be Rule Three.
Rule One will be Rule Four.


1) We were scaring people by putting Stop Living Paycheck to Paycheck as the first Rule! YNABers know that it takes a while to get to Rule One (and it’s so worth it!), but many passersby do not! They see that immediately thing YNAB won’t work for them. Quite the contrary of course.

2) The new order promotes a logical progression from newbie to YNAB Zen Master. You start by just giving what you have a job. No more, no less. Then once the NOW dollars are accounted for, you begin looking ahead to those future expenses. Finally, you need to make sure you stay on the wagon and Roll with the Punches — continuing to Give Your Dollars Jobs and Save for a Rainy Day. Once you have that under your belt, you can begin working on your Buffer, where you can finally Stop Living Paycheck to Paycheck.

Anyway, I think it’ll be easier to explain to newcomers and I’m excited for the change. You’ll see it start to roll out in stages fairly soon.

Of course this changes absolutely nothing about the software 🙂