YNAB

I'm 61 years old and am financially speaking, I'm an idiot.

Don't get me wrong, I own a really nice house (me & the bank) and I have a respectable amount in my 401K. If I had found YNAB 20 years ago I think I'd be in much better shape, probably would have my house paid off and no debt.

Ynab is budgeting software, stands for "You Need A Budget". A friend of mine suggested I try it out and it has really changed my financial life for the better.

As a person with spreadsheet-itis, I've done budgeting countless times. Here's what's coming in this month, here's whats going out. Done! Except that things change and **** happens and it's not valid for every month.

YNAB's theory is that you only budget the amount of money you have right now and you give every dollar a job. Then when things change its super easy to move money from a less needed category to cover what you just had to spend.

Now I'm never broke, but I can be YNAB broke, which is a much more comfortable broke to be, because I know the important things are covered.

I put all my bills on autopay for the first time in my long and financially stupid life.

Feels SO good. All thanks to YNAB.

Highly recommend it.