How Much Time Do You Have?
On average, new budgeters save $200 their first month and more than $3,300 by month nine! Pretty solid return on investment.
Try YNAB FREE for 34 days
Start taking control of your money
After your trial, continue for $50/year
No credit card required.
When you are spending money you earned last month, you will have nothing to stress about money-wise. The goal is to be spending money that is at least 30 days old. It might not happen overnight, but stick with it—it’s a game-changer!
With the help of the other three rules, you’ll be more purposeful about your spending, consistently spend less than you earn, and be more than prepared for the future. Eventually, you’ll be able to cover May’s rent with dollars from April. Your money will be at least 30 days old and you’ll wonder how you ever lived without the Four Rules.
Drag the arrows left and right to find out.
John lives paycheck to paycheck. He knows the date of his next paycheck well in advance and has a stack of bills he’s timing to go out as soon as the paycheck hits his account. He times bills to paychecks every pay period because he has to.
It’s stressful: juggling due dates, cash flow, and other unexpected expenses. He’s habitually anxious and frantic, and can’t stop thinking about how much he needs a vacation. But who has money for that?
John has at least a month’s worth of paychecks budgeted before the month even starts. Lots of money, just sitting around, waiting to do its job.
When bills arrive, he pays them—actually, he put them on autopay a couple months ago.
He’s habitually happy and content, and can’t stop thinking about the money he plans to invest and next summer’s vacation.
You aren’t stressed because you’re not living on the financial edge. No more wasting time and energy timing bills to a specific paycheck. When a bill comes, you just pay it. The result? Breathing room. Less focus on today and more on tomorrow means bigger thinking, better decisions, and chiseled abs (it’s possible!).