YNAB Method Overhaul... Not Really

The YNAB Podcast

The Four Rules are out... the Five Questions are in! Well... not really, the Four Rules have just been transformed and clarified. As Jesse has pointed out in prior podcasts, the Four Rules were really just one rule, the first rule -- Give Every Dollar a Job.

And that is still the master rule. To clarify what giving every dollar a job means, YNAB has come up with five questions:

1. What does this money need to do before I’m paid again? (Reality)
2. What larger, less frequent spending do I need to prepare for? (Stability)
3. What can I set aside for next month’s spending? (Resilience)
4. What goals, large or small, do I want to prioritize? (Creation)
5. What changes do I need to make, if any? (Flexibility)

These five questions are designed to give you more clarity about what you want your money to do for you, and ultimately how you want to spend your live. In a word, how to live spendfully.

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