You Need A Budget (ynab)

Where Julie and I broadcast our budget meeting (unedited) to the world. Take from it what you can, if anything.

Why saving without a purpose isn't really saving at all. You know you've done this.

Should you go crazy with your debt? Save some money? Both?

What should be the order of prioritization once the necessities are taken care of?

The past is in the past, but it still affects the future. Dealing with financial scar tissue.

The budget lets you let go of so much cognitive overhead. Free yourself from decision fatigue.

The point of having money is to spend it. Also, an attorney joke that takes most of the time.

High-ticket items deaden your sensitivity to spending amounts you would otherwise weigh carefully. Proceed with caution!

Unless your hobby is credit card shenanigans, pick just one (maybe two) credit cards and call it good.

Question your financial scar tissue. Are all of those accounts still (really) necessary?

We want active engagement. Simplicity promotes that, which is why we like it.

When it comes to lasting, positive financial change, don't do what I did.

It's that time of year for you to do a quick pause and evaluation. It'll do you good.