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Financial Peace: How Smart Money Strategies and YNAB End Financial Stress (Best of GTGE) · Getting to Good Enough

• 0:11
  Hello
• 0:11
  and
• 0:11
  welcome
• 0:12
  to
• 0:12
  Getting
• 0:12
  to
• 0:13
  Good
• 0:13
  Enough,
• 0:14
  a
• 0:14
  podcast
• 0:14
  to
• 0:15
  help
• 0:15
  you
• 0:15
  let
• 0:15
  go
• 0:16
  of
• 0:16
  perfectionism
• 0:17
  so
• 0:17
  you
• 0:17
  can
• 0:18
  do
• 0:18
  more
• 0:18
  of
• 0:18
  what
• 0:18
  you
• 0:19
  love.
• 0:20
  I'm
• 0:20
  Shannon
• 0:20
  Wilkinson,
• 0:21
  a
• 0:21
  life
• 0:22
  coach
• 0:22
  in
• 0:22
  Portland,
• 0:22
  Oregon.
• 0:23
  I'm
• 0:24
  a
• 0:24
  recovering
• 0:25
  perfectionist
• 0:25
  who's
• 0:26
  getting
• 0:26
  better
• 0:26
  at
• 0:27
  Good
• 0:27
  Enough.
• 0:28
  And
• 0:28
  I'm
• 0:28
  Jeanine
• 0:29
  Adams,
• 0:29
  a
• 0:29
  certified
• 0:30
  professional
• 0:30
  organizer
• 0:31
  in
• 0:31
  St.
• 0:32
  Louis,
• 0:32
  Missouri.
• 0:32
  And
• 0:33
  I'm
• 0:33
  lucky
• 0:33
  enough
• 0:33
  to
• 0:33
  be
• 0:34
  naturally
• 0:34
  good
• 0:34
  at
• 0:35
  Good
• 0:35
  Enough.
• 0:36
  And
• 0:36
  today
• 0:37
  we're
• 0:37
  talking
• 0:37
  about
• 0:38
  financial
• 0:39
  peace
• 0:40
  and
• 0:40
  how
• 0:40
  to
• 0:40
  get
• 0:41
  some
• 0:41
  for
• 0:41
  yourself.
• 0:52
  Hey,
• 0:52
  Janine.
• 0:53
  Hey,
• 0:53
  Shannon.
• 0:54
  How
• 0:54
  are
• 0:54
  you
• 0:54
  today?
• 0:55
  I
• 0:56
  am
• 0:57
  terrific.
• 0:57
  How
• 0:58
  are
• 0:58
  you?
• 0:59
  I'm
• 0:59
  terrific,
• 1:00
  too.
• 1:00
  I'm
• 1:00
  recovered,
• 1:01
  I
• 1:01
  think,
• 1:02
  from
• 1:02
  my
• 1:02
  12
• 1:02
  hour
• 1:03
  journey
• 1:03
  from
• 1:04
  Walla
• 1:04
  Walla
• 1:05
  to
• 1:05
  St.
• 1:05
  Louis
• 1:05
  and
• 1:05
  then
• 1:06
  having
• 1:06
  to
• 1:06
  get
• 1:06
  up
• 1:07
  early
• 1:07
  the
• 1:08
  next
• 1:08
  morning.
• 1:09
  Yesterday
• 1:09
  was
• 1:09
  a
• 1:09
  tough
• 1:10
  day,
• 1:10
  but
• 1:11
  today
• 1:11
  I'm
• 1:12
  okay.
• 1:13
  Oh,
• 1:13
  good.
• 1:13
  Yeah,
• 1:14
  that
• 1:14
  re
• 1:14
  entry
• 1:15
  with
• 1:15
  the
• 1:15
  time
• 1:16
  change
• 1:16
  and
• 1:16
  long
• 1:17
  day
• 1:17
  of
• 1:17
  travel,
• 1:18
  that's
• 1:18
  always
• 1:18
  rough.
• 1:19
  Yeah,
• 1:19
  yeah,
• 1:20
  yeah.
• 1:21
  But
• 1:21
  things
• 1:22
  are
• 1:22
  back
• 1:22
  to
• 1:22
  normal,
• 1:22
  I
• 1:23
  think.
• 1:23
  No,
• 1:24
  good,
• 1:26
  good.
• 1:26
  I
• 1:27
  know
• 1:27
  you
• 1:27
  miss
• 1:27
  your
• 1:27
  pot
• 1:28
  stickers,
• 1:28
  but.
• 1:30
  Yeah.
• 1:30
  Although
• 1:31
  it's
• 1:31
  so
• 1:31
  funny
• 1:31
  just
• 1:32
  you
• 1:32
  just
• 1:32
  said
• 1:32
  that
• 1:32
  and
• 1:33
  my
• 1:33
  stomach
• 1:33
  felt
• 1:33
  full
• 1:34
  the
• 1:35
  moment
• 1:35
  you
• 1:35
  said
• 1:35
  it.
• 1:35
  I
• 1:35
  felt
• 1:36
  a
• 1:36
  fullness
• 1:36
  in
• 1:37
  my
• 1:37
  stomach.
• 1:37
  I
• 1:38
  did
• 1:38
  go
• 1:38
  back,
• 1:38
  by
• 1:39
  the
• 1:39
  way.
• 1:39
  Did
• 1:40
  I?
• 1:40
  I
• 1:40
  don't
• 1:40
  know
• 1:40
  if
• 1:40
  I
• 1:40
  sent
• 1:40
  you
• 1:41
  a
• 1:41
  link.
• 1:41
  I
• 1:41
  went
• 1:41
  back
• 1:41
  with
• 1:41
  my
• 1:42
  dad.
• 1:42
  So
• 1:42
  I
• 1:42
  had
• 1:42
  a
• 1:42
  second
• 1:43
  dose
• 1:43
  of
• 1:44
  pot
• 1:44
  stickers,
• 1:44
  but
• 1:45
  I
• 1:45
  stopped
• 1:45
  at
• 1:45
  18.
• 1:47
  It
• 1:47
  was
• 1:47
  Steve
• 1:48
  that
• 1:48
  later
• 1:48
  was
• 1:48
  a
• 1:49
  little
• 1:49
  surprised.
• 1:52
  Yeah,
• 1:54
  that's
• 1:54
  funny.
• 1:55
  Well,
• 1:55
  and
• 1:55
  I
• 1:56
  feel
• 1:56
  compelled
• 1:56
  to
• 1:57
  report
• 1:57
  that
• 1:57
  it's
• 1:58
  sort
• 1:58
  of
• 1:58
  snowing
• 1:58
  here.
• 1:59
  Oh,
• 2:00
  boy.
• 2:00
  Snow
• 2:01
  in
• 2:01
  Portland?
• 2:02
  Yeah.
• 2:03
  Goodness.
• 2:03
  I
• 2:03
  mean,
• 2:04
  it's
• 2:04
  not
• 2:04
  unheard
• 2:04
  of,
• 2:05
  but
• 2:05
  it's
• 2:06
  funny
• 2:06
  because
• 2:06
  they've
• 2:06
  been
• 2:07
  threatening
• 2:08
  it
• 2:08
  all
• 2:09
  week
• 2:09
  and,
• 2:11
  But.
• 2:12
  And
• 2:12
  it's
• 2:12
  actually
• 2:12
  sort
• 2:13
  of
• 2:13
  happening.
• 2:13
  It
• 2:13
  doesn't
• 2:13
  look
• 2:14
  like
• 2:14
  it.
• 2:14
  There's
• 2:14
  going
• 2:14
  to
• 2:14
  be
• 2:15
  any
• 2:15
  kind
• 2:15
  of
• 2:15
  accumulation
• 2:16
  or
• 2:16
  anything,
• 2:16
  but.
• 2:17
  Oh,
• 2:17
  that's.
• 2:17
  Anyway,
• 2:18
  I.
• 2:18
  I
• 2:18
  ended
• 2:19
  up
• 2:19
  driving
• 2:19
  about
• 2:20
  45
• 2:20
  minutes,
• 2:20
  I
• 2:21
  think.
• 2:21
  It
• 2:21
  was
• 2:21
  in
• 2:21
  really
• 2:21
  heavy
• 2:22
  snow
• 2:23
  on
• 2:23
  my
• 2:24
  way
• 2:24
  to
• 2:24
  Spokane
• 2:24
  on
• 2:25
  Sunday
• 2:25
  and
• 2:26
  I
• 2:26
  was
• 2:26
  glad
• 2:26
  I
• 2:26
  had
• 2:27
  rented
• 2:27
  an
• 2:27
  suv.
• 2:27
  I
• 2:28
  didn't
• 2:28
  slip
• 2:28
  or
• 2:28
  slide
• 2:28
  at
• 2:28
  all,
• 2:29
  but
• 2:29
  it
• 2:29
  was
• 2:29
  kind
• 2:29
  of
• 2:29
  slow
• 2:30
  going
• 2:30
  and
• 2:31
  yeah,
• 2:32
  it
• 2:32
  was
• 2:32
  kind
• 2:32
  of.
• 2:32
  It
• 2:32
  was
• 2:32
  just
• 2:33
  coming
• 2:33
  down
• 2:33
  really
• 2:33
  hard
• 2:34
  and
• 2:34
  that's
• 2:35
  not
• 2:35
  my
• 2:35
  favorite
• 2:35
  thing.
• 2:36
  So
• 2:37
  I'm
• 2:37
  glad
• 2:37
  here
• 2:38
  in
• 2:38
  St.
• 2:38
  Louis
• 2:38
  is
• 2:38
  about
• 2:39
  50
• 2:39
  degrees
• 2:39
  and
• 2:39
  sunny.
• 2:40
  Oh,
• 2:41
  geez.
• 2:43
  But
• 2:43
  didn't
• 2:44
  you
• 2:44
  have
• 2:44
  snow?
• 2:44
  Oh,
• 2:45
  you
• 2:45
  weren't
• 2:45
  there.
• 2:45
  But
• 2:46
  wasn't
• 2:46
  there
• 2:46
  snow
• 2:47
  on
• 2:47
  the
• 2:47
  ground
• 2:47
  last
• 2:47
  week
• 2:48
  while
• 2:48
  you
• 2:48
  were
• 2:48
  gone?
• 2:49
  Yeah,
• 2:49
  there
• 2:49
  was
• 2:49
  snow
• 2:50
  over
• 2:50
  the
• 2:50
  weekend.
• 2:50
  Yeah.
• 2:51
  So
• 2:51
  it's
• 2:51
  on
• 2:51
  the
• 2:52
  ground
• 2:52
  when
• 2:52
  I
• 2:52
  came
• 2:52
  home,
• 2:53
  but
• 2:53
  the
• 2:53
  streets
• 2:54
  were
• 2:54
  clear.
• 2:56
  Oh,
• 2:56
  boy.
• 2:57
  Okay.
• 2:59
  Well,
• 3:00
  so
• 3:00
  today
• 3:01
  we
• 3:02
  are
• 3:02
  talking
• 3:02
  about
• 3:03
  financial
• 3:03
  peace.
• 3:04
  Yeah,
• 3:05
  those
• 3:05
  words
• 3:05
  put
• 3:06
  together
• 3:07
  feel
• 3:07
  at
• 3:07
  the
• 3:07
  same
• 3:08
  time
• 3:09
  nice
• 3:09
  and
• 3:10
  discordant.
• 3:13
  They
• 3:13
  do
• 3:13
  a
• 3:13
  little
• 3:13
  bit,
• 3:14
  yeah.
• 3:14
  I
• 3:14
  don't
• 3:15
  usually
• 3:15
  have
• 3:15
  a
• 3:15
  lot,
• 3:16
  unfortunately,
• 3:16
  but
• 3:17
  I'm
• 3:17
  working
• 3:17
  on
• 3:18
  it.
• 3:19
  And
• 3:19
  you
• 3:19
  have
• 3:20
  quite
• 3:20
  a
• 3:20
  bit
• 3:20
  of
• 3:20
  financial
• 3:21
  peace.
• 3:21
  I
• 3:21
  think
• 3:22
  I
• 3:22
  do.
• 3:24
  I
• 3:25
  owe
• 3:25
  a
• 3:26
  lot
• 3:26
  of
• 3:26
  my
• 3:27
  financial
• 3:27
  piece
• 3:28
  to
• 3:28
  ynab,
• 3:30
  which
• 3:30
  we've
• 3:30
  talked
• 3:30
  about
• 3:31
  before,
• 3:31
  which
• 3:32
  is
• 3:32
  the
• 3:33
  acronym
• 3:34
  for
• 3:34
  you
• 3:34
  need
• 3:34
  a
• 3:35
  budget.
• 3:35
  It's
• 3:36
  a
• 3:36
  budgeting
• 3:37
  software.
• 3:38
  It's
• 3:39
  web
• 3:39
  based.
• 3:40
  Right.
• 3:40
  I
• 3:41
  think
• 3:41
  maybe
• 3:41
  we
• 3:41
  should
• 3:44
  explain
• 3:44
  it
• 3:45
  just
• 3:45
  a
• 3:45
  little
• 3:45
  bit
• 3:46
  for
• 3:46
  those
• 3:46
  who
• 3:47
  familiar
• 3:48
  with
• 3:48
  it.
• 3:48
  And
• 3:48
  it's
• 3:49
  also
• 3:49
  the
• 3:49
  source
• 3:50
  of
• 3:50
  my
• 3:51
  financial
• 3:51
  peace
• 3:53
  that
• 3:53
  I'm
• 3:53
  working
• 3:54
  toward.
• 3:54
  So
• 3:54
  I
• 3:54
  think
• 3:55
  it's
• 3:55
  an
• 3:56
  amazingly
• 3:57
  powerful
• 3:57
  tool
• 3:57
  and
• 3:58
  I
• 3:58
  owe
• 3:58
  you
• 3:58
  a
• 3:58
  huge
• 3:59
  debt
• 3:59
  of
• 3:59
  gratitude
• 3:59
  for
• 4:00
  introducing
• 4:00
  me
• 4:00
  to
• 4:00
  it,
• 4:00
  even
• 4:01
  though
• 4:01
  it
• 4:01
  took
• 4:02
  years,
• 4:03
  right?
• 4:03
  Years
• 4:03
  since
• 4:04
  you
• 4:04
  introduced
• 4:04
  me
• 4:04
  to
• 4:05
  it,
• 4:05
  for
• 4:05
  me
• 4:05
  to
• 4:05
  finally
• 4:06
  jump
• 4:06
  on
• 4:06
  board.
• 4:08
  So
• 4:08
  since
• 4:08
  you're
• 4:09
  the
• 4:09
  experienced
• 4:09
  one,
• 4:09
  why
• 4:10
  don't
• 4:10
  you
• 4:10
  explain
• 4:10
  it?
• 4:12
  Well,
• 4:14
  approaches
• 4:15
  budgeting
• 4:16
  from
• 4:16
  a
• 4:16
  little
• 4:16
  bit
• 4:17
  different
• 4:19
  angle
• 4:19
  than
• 4:20
  I
• 4:20
  think
• 4:20
  most
• 4:20
  people
• 4:20
  are
• 4:21
  used
• 4:21
  to.
• 4:21
  I
• 4:21
  think
• 4:21
  what
• 4:21
  most
• 4:22
  people
• 4:22
  do
• 4:22
  is
• 4:23
  sort
• 4:24
  of
• 4:24
  make
• 4:24
  a
• 4:24
  budget
• 4:25
  and
• 4:25
  say
• 4:25
  like,
• 4:25
  oh,
• 4:26
  you
• 4:26
  know,
• 4:26
  this
• 4:26
  is
• 4:27
  how
• 4:27
  much
• 4:27
  I
• 4:27
  spend
• 4:27
  on
• 4:27
  this,
• 4:28
  this
• 4:28
  is
• 4:28
  how
• 4:28
  much
• 4:28
  I
• 4:28
  spend
• 4:29
  on
• 4:29
  that,
• 4:29
  blah,
• 4:30
  blah,
• 4:30
  blah.
• 4:31
  But
• 4:31
  what
• 4:31
  you
• 4:32
  do
• 4:32
  with
• 4:33
  YNAB
• 4:33
  is
• 4:34
  when
• 4:34
  you
• 4:34
  have
• 4:34
  money
• 4:35
  come
• 4:35
  in,
• 4:36
  then
• 4:36
  you
• 4:37
  give
• 4:37
  that
• 4:37
  money
• 4:37
  a
• 4:38
  job,
• 4:38
  that's
• 4:39
  what
• 4:39
  they
• 4:39
  call
• 4:39
  it.
• 4:40
  And
• 4:40
  you
• 4:40
  put
• 4:41
  that
• 4:41
  money
• 4:41
  into
• 4:42
  your
• 4:42
  budget
• 4:43
  where
• 4:44
  you
• 4:44
  need
• 4:44
  it,
• 4:45
  and
• 4:45
  so
• 4:46
  you're
• 4:46
  not.
• 4:49
  It
• 4:49
  gives
• 4:49
  you
• 4:50
  visual
• 4:51
  of
• 4:52
  your
• 4:52
  spending.
• 4:53
  So
• 4:54
  like
• 4:54
  if
• 4:54
  you
• 4:54
  spend
• 4:55
  money
• 4:55
  in
• 4:55
  a
• 4:55
  category
• 4:56
  that
• 4:56
  you
• 4:56
  don't,
• 4:57
  that
• 4:57
  you
• 4:57
  haven't
• 4:57
  budgeted
• 4:58
  for,
• 4:58
  it
• 4:59
  comes
• 4:59
  up
• 5:00
  red,
• 5:00
  for
• 5:01
  example,
• 5:02
  to
• 5:02
  let
• 5:02
  you
• 5:02
  know
• 5:03
  that
• 5:03
  you
• 5:04
  haven't
• 5:04
  budgeted
• 5:05
  and
• 5:05
  you
• 5:05
  need
• 5:05
  to
• 5:05
  put
• 5:05
  money
• 5:06
  into
• 5:06
  that
• 5:06
  category
• 5:07
  to
• 5:07
  cover
• 5:07
  that.
• 5:09
  But
• 5:09
  the,
• 5:09
  the.
• 5:10
  When
• 5:12
  I
• 5:12
  used
• 5:12
  YNAB
• 5:13
  when
• 5:15
  I
• 5:15
  did
• 5:16
  not
• 5:16
  have
• 5:16
  a
• 5:17
  lot
• 5:17
  of
• 5:17
  money
• 5:17
  and
• 5:17
  it
• 5:18
  really
• 5:18
  helped
• 5:18
  and
• 5:18
  I
• 5:19
  had
• 5:19
  sort
• 5:19
  of
• 5:19
  irregular
• 5:20
  income
• 5:21
  and
• 5:22
  it
• 5:22
  really
• 5:22
  helped
• 5:23
  me
• 5:23
  manage
• 5:23
  it.
• 5:25
  But
• 5:26
  where
• 5:26
  ynab,
• 5:27
  and
• 5:27
  it's
• 5:28
  excellent
• 5:28
  at
• 5:28
  that
• 5:29
  and
• 5:30
  it
• 5:30
  can
• 5:30
  help
• 5:30
  you
• 5:31
  get
• 5:31
  to
• 5:31
  the
• 5:31
  point
• 5:31
  where
• 5:32
  I
• 5:32
  feel
• 5:32
  like
• 5:33
  it
• 5:33
  really
• 5:33
  shines,
• 5:34
  where
• 5:35
  you
• 5:35
  can
• 5:36
  create
• 5:36
  a
• 5:37
  buffer,
• 5:38
  ideally
• 5:39
  having
• 5:41
  basically
• 5:41
  paying
• 5:42
  for
• 5:43
  this
• 5:44
  month's
• 5:45
  expenses
• 5:45
  with
• 5:46
  last
• 5:46
  month's
• 5:46
  income.
• 5:48
  So
• 5:48
  you're
• 5:48
  not,
• 5:50
  you're
• 5:51
  not
• 5:51
  like
• 5:51
  waiting
• 5:51
  for
• 5:52
  a
• 5:52
  paycheck
• 5:52
  to
• 5:52
  come
• 5:53
  in
• 5:53
  to
• 5:53
  be
• 5:53
  able
• 5:53
  to
• 5:53
  budget
• 5:54
  what
• 5:54
  you
• 5:54
  need
• 5:54
  to
• 5:54
  budget.
• 5:56
  Right.
• 5:56
  Or
• 5:56
  put
• 5:56
  another
• 5:57
  way,
• 5:58
  when
• 5:58
  you
• 5:58
  get
• 5:58
  a
• 5:59
  paycheck,
• 6:00
  you're
• 6:00
  applying
• 6:00
  it
• 6:00
  to
• 6:01
  next
• 6:01
  month's
• 6:01
  rent,
• 6:02
  not
• 6:02
  this
• 6:02
  month's
• 6:03
  rent.
• 6:03
  And
• 6:04
  that
• 6:04
  has
• 6:04
  a
• 6:04
  very
• 6:05
  nice
• 6:06
  feeling
• 6:06
  behind
• 6:06
  it.
• 6:07
  That's
• 6:07
  a
• 6:07
  Peaceful
• 6:08
  thing.
• 6:08
  Yeah,
• 6:09
  yeah,
• 6:09
  that.
• 6:10
  That.
• 6:10
  When
• 6:10
  you
• 6:11
  say
• 6:11
  it
• 6:11
  that
• 6:11
  way,
• 6:11
  it
• 6:12
  does
• 6:12
  sound
• 6:12
  much
• 6:12
  more
• 6:12
  peaceful.
• 6:14
  Yeah.
• 6:14
  So,
• 6:15
  like,
• 6:15
  when
• 6:15
  money
• 6:15
  comes
• 6:15
  in,
• 6:16
  you're
• 6:16
  putting
• 6:16
  it
• 6:16
  towards
• 6:17
  next
• 6:18
  month's
• 6:19
  expenses
• 6:20
  so
• 6:20
  that
• 6:20
  they're
• 6:20
  already
• 6:21
  budgeted
• 6:21
  for
• 6:22
  before
• 6:22
  they
• 6:23
  hit.
• 6:24
  Right.
• 6:24
  And
• 6:24
  when
• 6:25
  you
• 6:25
  have
• 6:26
  a
• 6:26
  regular
• 6:27
  income,
• 6:28
  it
• 6:28
  seems
• 6:29
  to
• 6:29
  me
• 6:29
  like
• 6:29
  that
• 6:29
  would
• 6:29
  be
• 6:30
  a
• 6:30
  little
• 6:30
  easier
• 6:31
  because
• 6:31
  once
• 6:31
  you
• 6:31
  get
• 6:31
  one
• 6:32
  month
• 6:32
  buffered,
• 6:33
  you
• 6:33
  just
• 6:33
  keep
• 6:34
  applying
• 6:34
  it.
• 6:34
  Then
• 6:35
  when
• 6:35
  you
• 6:35
  have
• 6:35
  an
• 6:35
  irregular
• 6:36
  income
• 6:36
  like
• 6:36
  I
• 6:36
  have,
• 6:38
  it's
• 6:39
  really
• 6:40
  helpful
• 6:40
  because
• 6:40
  you
• 6:40
  get
• 6:41
  this
• 6:41
  visual
• 6:43
  image
• 6:43
  of
• 6:43
  exactly
• 6:44
  where
• 6:44
  your
• 6:44
  money
• 6:44
  is
• 6:44
  going
• 6:45
  and.
• 6:45
  Right.
• 6:46
  Very,
• 6:46
  very
• 6:46
  helpful.
• 6:48
  Yeah,
• 6:49
  yeah,
• 6:49
  it
• 6:50
  is.
• 6:50
  It's
• 6:51
  really.
• 6:52
  Has
• 6:53
  created
• 6:53
  a
• 6:54
  sense
• 6:54
  of
• 6:54
  financial
• 6:54
  peace
• 6:55
  I
• 6:55
  never
• 6:55
  expected.
• 6:55
  And
• 6:56
  it's
• 6:56
  like,
• 6:57
  I
• 6:57
  love
• 6:58
  YNAB
• 6:59
  so
• 7:00
  much.
• 7:01
  I
• 7:01
  look,
• 7:01
  I
• 7:04
  do
• 7:04
  it
• 7:04
  every
• 7:04
  day.
• 7:04
  I
• 7:05
  get
• 7:05
  online,
• 7:06
  and
• 7:07
  I
• 7:08
  make
• 7:08
  sure
• 7:09
  that
• 7:09
  all
• 7:10
  my
• 7:10
  new
• 7:10
  transactions
• 7:11
  are
• 7:11
  categories
• 7:12
  properly.
• 7:13
  Things
• 7:13
  that
• 7:14
  need
• 7:14
  to
• 7:15
  get
• 7:15
  matched
• 7:15
  up
• 7:15
  are
• 7:15
  matched
• 7:16
  up,
• 7:17
  and
• 7:17
  I
• 7:18
  love
• 7:18
  doing
• 7:18
  that
• 7:19
  every
• 7:19
  day.
• 7:19
  It
• 7:19
  gives
• 7:20
  me
• 7:20
  such
• 7:20
  a
• 7:20
  sense
• 7:21
  of
• 7:21
  peace
• 7:21
  having
• 7:21
  done
• 7:22
  that.
• 7:23
  Yeah.
• 7:24
  Yeah.
• 7:24
  And
• 7:24
  again,
• 7:25
  if
• 7:25
  you're
• 7:25
  doing
• 7:25
  it
• 7:25
  every
• 7:26
  day,
• 7:28
  then
• 7:28
  it
• 7:28
  just
• 7:28
  takes
• 7:29
  a
• 7:29
  little
• 7:29
  bit
• 7:29
  of
• 7:29
  time
• 7:30
  depending
• 7:31
  upon
• 7:31
  how
• 7:31
  many
• 7:31
  transactions.
• 7:32
  Financial
• 7:33
  transactions
• 7:33
  you
• 7:33
  have
• 7:34
  in
• 7:34
  a
• 7:34
  day.
• 7:35
  Right.
• 7:35
  So
• 7:36
  it's
• 7:36
  like
• 7:36
  this
• 7:36
  effort
• 7:37
  that
• 7:37
  isn't
• 7:38
  hard,
• 7:38
  and
• 7:38
  it's
• 7:38
  a
• 7:39
  little
• 7:39
  bit
• 7:39
  fun
• 7:39
  because
• 7:40
  I've
• 7:40
  had
• 7:40
  the
• 7:40
  experience
• 7:41
  where
• 7:42
  I
• 7:43
  put
• 7:44
  it
• 7:44
  off,
• 7:45
  and
• 7:45
  then
• 7:45
  I
• 7:45
  had
• 7:46
  to
• 7:47
  deal
• 7:47
  with
• 7:47
  a
• 7:47
  lot
• 7:47
  of
• 7:48
  transactions
• 7:48
  at
• 7:48
  once.
• 7:48
  And
• 7:49
  that
• 7:49
  was
• 7:49
  less
• 7:49
  enjoyable.
• 7:51
  It
• 7:51
  is
• 7:51
  less
• 7:51
  enjoyable.
• 7:52
  But
• 7:52
  I
• 7:52
  do
• 7:54
  our
• 7:54
  family
• 7:55
  budget.
• 7:55
  I
• 7:56
  do
• 7:57
  my.
• 7:59
  My
• 7:59
  business
• 8:00
  I
• 8:00
  have
• 8:00
  on
• 8:00
  ynab,
• 8:01
  and
• 8:01
  then
• 8:02
  I
• 8:02
  take
• 8:02
  care
• 8:02
  of
• 8:02
  my
• 8:02
  mom's
• 8:03
  finances,
• 8:03
  and
• 8:03
  I
• 8:04
  have
• 8:04
  that
• 8:04
  on
• 8:04
  ynab.
• 8:05
  So
• 8:05
  I'm
• 8:06
  managing
• 8:06
  three
• 8:07
  budgets
• 8:08
  with.
• 8:08
  Good
• 8:09
  Lord,
• 8:09
  I
• 8:09
  don't
• 8:09
  even.
• 8:10
  I.
• 8:10
  Trying
• 8:10
  to
• 8:11
  think
• 8:11
  of
• 8:11
  just
• 8:12
  roughly
• 8:12
  how
• 8:12
  many
• 8:13
  accounts
• 8:13
  that
• 8:13
  would
• 8:14
  be.
• 8:14
  Probably,
• 8:20
  I
• 8:20
  don't
• 8:20
  know,
• 8:21
  15
• 8:21
  accounts,
• 8:22
  maybe.
• 8:23
  Mm.
• 8:24
  15
• 8:24
  different
• 8:24
  accounts
• 8:25
  between
• 8:26
  the
• 8:26
  three
• 8:27
  bank
• 8:27
  accounts
• 8:27
  and
• 8:28
  credit
• 8:28
  cards
• 8:28
  and.
• 8:30
  And,
• 8:30
  yeah.
• 8:32
  And
• 8:33
  I
• 8:33
  can
• 8:34
  do
• 8:34
  it
• 8:34
  all.
• 8:35
  And
• 8:35
  there's
• 8:35
  a
• 8:35
  fair
• 8:36
  number
• 8:36
  of
• 8:36
  transactions,
• 8:37
  and
• 8:37
  I
• 8:37
  can
• 8:37
  get
• 8:37
  it
• 8:37
  all
• 8:38
  done
• 8:38
  in
• 8:38
  definitely
• 8:39
  less
• 8:39
  than
• 8:39
  15
• 8:40
  minutes
• 8:40
  every
• 8:40
  morning.
• 8:41
  Oh,
• 8:41
  that's
• 8:41
  fantastic.
• 8:42
  Yeah,
• 8:43
  that's
• 8:43
  just
• 8:43
  great.
• 8:44
  I
• 8:45
  should
• 8:45
  clarify
• 8:46
  that
• 8:46
  I'm
• 8:47
  just
• 8:47
  doing
• 8:47
  my
• 8:47
  businesses
• 8:49
  finances.
• 8:50
  I
• 8:50
  know.
• 8:50
  I.
• 8:50
  Now,
• 8:50
  Barry,
• 8:51
  my
• 8:51
  husband,
• 8:51
  takes
• 8:52
  care
• 8:52
  of
• 8:52
  our
• 8:52
  personal
• 8:52
  finances,
• 8:53
  so
• 8:53
  I
• 8:53
  just
• 8:54
  transfer
• 8:55
  a
• 8:55
  certain
• 8:55
  amount
• 8:55
  of
• 8:56
  money
• 8:56
  twice
• 8:56
  a
• 8:56
  month
• 8:57
  into
• 8:58
  our
• 8:58
  joint
• 8:58
  account
• 9:00
  for
• 9:00
  my
• 9:00
  business
• 9:00
  account.
• 9:01
  So
• 9:01
  everything
• 9:01
  I'm
• 9:02
  doing
• 9:02
  is
• 9:02
  my
• 9:02
  business
• 9:04
  expenses.
• 9:05
  So
• 9:05
  it
• 9:05
  may
• 9:05
  be.
• 9:05
  When
• 9:05
  I
• 9:06
  get
• 9:06
  really
• 9:06
  good
• 9:06
  at
• 9:06
  it,
• 9:06
  I'll
• 9:07
  see
• 9:07
  if
• 9:07
  he'd
• 9:08
  like
• 9:08
  me
• 9:08
  to
• 9:08
  do
• 9:08
  it
• 9:09
  for
• 9:09
  our
• 9:10
  family's
• 9:10
  finances
• 9:11
  as
• 9:11
  well.
• 9:11
  But
• 9:11
  I'm
• 9:11
  still
• 9:12
  on
• 9:12
  the
• 9:12
  learning
• 9:12
  curve.
• 9:13
  Right.
• 9:14
  But
• 9:14
  one
• 9:15
  thing
• 9:15
  That
• 9:15
  I
• 9:15
  found
• 9:15
  really
• 9:16
  valuable
• 9:16
  when
• 9:16
  I
• 9:16
  started
• 9:17
  doing
• 9:17
  it
• 9:17
  was.
• 9:18
  Was
• 9:18
  the
• 9:18
  notion
• 9:19
  of
• 9:20
  compiling
• 9:21
  all
• 9:21
  your
• 9:22
  expenses,
• 9:23
  these
• 9:23
  annual
• 9:24
  things
• 9:24
  that
• 9:24
  come
• 9:24
  up.
• 9:26
  So
• 9:26
  for
• 9:26
  my
• 9:26
  business,
• 9:27
  things
• 9:27
  like
• 9:27
  your
• 9:27
  annual
• 9:28
  Dropbox
• 9:28
  subscription,
• 9:29
  your
• 9:29
  annual
• 9:32
  maintenance
• 9:32
  fees
• 9:33
  for
• 9:33
  my
• 9:33
  certification,
• 9:34
  and
• 9:34
  writing
• 9:34
  them
• 9:35
  all
• 9:35
  down
• 9:35
  and
• 9:35
  then
• 9:35
  dividing
• 9:36
  them
• 9:36
  up
• 9:36
  by
• 9:36
  12
• 9:37
  and
• 9:37
  trying.
• 9:38
  And
• 9:38
  then
• 9:38
  the
• 9:38
  software
• 9:39
  tells
• 9:39
  me
• 9:39
  how
• 9:39
  much
• 9:39
  each
• 9:40
  month
• 9:40
  I
• 9:40
  need
• 9:40
  to
• 9:40
  put
• 9:40
  into
• 9:41
  that
• 9:41
  category.
• 9:42
  That.
• 9:43
  That's
• 9:43
  brilliant.
• 9:46
  I
• 9:47
  had
• 9:47
  the
• 9:47
  experience
• 9:48
  last
• 9:48
  week
• 9:48
  where
• 9:49
  my
• 9:49
  recertification
• 9:50
  bill
• 9:50
  came
• 9:50
  due.
• 9:51
  It
• 9:51
  was
• 9:51
  $100.
• 9:52
  And
• 9:52
  I
• 9:52
  looked
• 9:53
  at
• 9:53
  my
• 9:53
  budget
• 9:53
  and
• 9:53
  the
• 9:54
  money
• 9:54
  was
• 9:54
  there.
• 9:56
  So
• 9:56
  I
• 9:56
  didn't.
• 9:57
  I
• 9:57
  just
• 9:58
  charged
• 9:58
  it.
• 9:59
  And
• 9:59
  because
• 9:59
  I
• 9:59
  had
• 9:59
  to
• 9:59
  pay
• 10:00
  online.
• 10:00
  And
• 10:00
  then
• 10:00
  when
• 10:00
  the
• 10:00
  charge
• 10:01
  came
• 10:01
  through,
• 10:02
  the
• 10:03
  money
• 10:03
  in
• 10:03
  the
• 10:03
  budget
• 10:04
  was
• 10:04
  transferred
• 10:04
  to
• 10:05
  the
• 10:05
  credit
• 10:05
  card.
• 10:05
  So
• 10:06
  it
• 10:06
  will
• 10:06
  be
• 10:06
  part
• 10:06
  of
• 10:06
  my
• 10:06
  payment
• 10:07
  of
• 10:07
  the
• 10:07
  credit
• 10:07
  card.
• 10:08
  That's
• 10:08
  awesome
• 10:10
  that
• 10:10
  we
• 10:12
  sort
• 10:13
  of
• 10:13
  a.
• 10:13
  Same
• 10:14
  sort
• 10:14
  of
• 10:14
  thing.
• 10:16
  We
• 10:16
  have
• 10:16
  a
• 10:17
  charitable
• 10:17
  donation
• 10:18
  budget,
• 10:19
  and
• 10:22
  we.
• 10:22
  Before
• 10:24
  I
• 10:24
  got
• 10:25
  my
• 10:25
  husband
• 10:26
  fully
• 10:26
  on
• 10:26
  board
• 10:26
  with
• 10:27
  using
• 10:27
  it
• 10:27
  for
• 10:27
  the
• 10:27
  family
• 10:28
  finances,
• 10:29
  we'd
• 10:29
  just
• 10:29
  sort
• 10:30
  of
• 10:30
  wing
• 10:30
  it
• 10:31
  when
• 10:31
  a
• 10:32
  couple
• 10:32
  of
• 10:32
  times
• 10:32
  we
• 10:33
  would
• 10:33
  go
• 10:33
  to
• 10:34
  fundraising
• 10:34
  events
• 10:35
  or,
• 10:35
  you
• 10:35
  know,
• 10:35
  like
• 10:36
  the
• 10:36
  kids
• 10:36
  schools
• 10:37
  would
• 10:37
  have
• 10:38
  auction
• 10:39
  events
• 10:39
  and
• 10:39
  stuff
• 10:40
  like
• 10:40
  that.
• 10:40
  And
• 10:40
  we
• 10:40
  just
• 10:41
  sort
• 10:41
  of
• 10:42
  guess
• 10:42
  about
• 10:42
  what
• 10:42
  a
• 10:43
  reasonable
• 10:43
  amount
• 10:44
  to
• 10:44
  spend
• 10:45
  was.
• 10:45
  You
• 10:45
  know,
• 10:45
  I
• 10:46
  think
• 10:46
  that's
• 10:46
  what
• 10:46
  most
• 10:46
  people
• 10:46
  do,
• 10:47
  huh?
• 10:48
  Yeah.
• 10:48
  And
• 10:49
  so
• 10:49
  then
• 10:50
  once
• 10:51
  I
• 10:51
  got
• 10:51
  us
• 10:51
  all
• 10:51
  set
• 10:52
  up
• 10:52
  on
• 10:52
  Ynab,
• 10:53
  I
• 10:54
  saw
• 10:54
  what
• 10:55
  we
• 10:55
  spent.
• 10:55
  I
• 10:56
  saw,
• 10:56
  you
• 10:57
  know,
• 10:57
  what
• 10:57
  was
• 10:58
  reasonable.
• 10:59
  And
• 10:59
  then
• 11:00
  that
• 11:00
  money
• 11:00
  goes
• 11:01
  in
• 11:01
  every
• 11:02
  month
• 11:02
  into
• 11:03
  the
• 11:03
  budget.
• 11:03
  And
• 11:04
  then
• 11:04
  when
• 11:04
  it
• 11:04
  comes
• 11:04
  time,
• 11:05
  when
• 11:05
  we
• 11:05
  go
• 11:05
  to
• 11:05
  an
• 11:05
  event,
• 11:06
  then
• 11:06
  we
• 11:07
  know
• 11:07
  exactly
• 11:08
  how
• 11:08
  much
• 11:08
  we
• 11:08
  have
• 11:08
  to
• 11:08
  spend.
• 11:09
  So
• 11:09
  if
• 11:09
  there
• 11:10
  is
• 11:10
  an
• 11:10
  auction
• 11:11
  item
• 11:11
  that
• 11:11
  we
• 11:11
  really
• 11:12
  want,
• 11:13
  then,
• 11:13
  you
• 11:14
  know,
• 11:14
  we
• 11:14
  know
• 11:14
  how
• 11:14
  much
• 11:14
  we
• 11:15
  can
• 11:15
  bid
• 11:15
  on
• 11:15
  it.
• 11:16
  That's
• 11:17
  great.
• 11:18
  And
• 11:18
  Ynab
• 11:19
  has
• 11:20
  an
• 11:20
  app,
• 11:20
  a
• 11:20
  mobile
• 11:21
  app,
• 11:21
  so
• 11:21
  you
• 11:21
  can
• 11:21
  just
• 11:22
  glance
• 11:22
  at
• 11:22
  your
• 11:22
  phone.
• 11:22
  You
• 11:23
  don't
• 11:23
  even
• 11:23
  have
• 11:23
  to
• 11:23
  remember.
• 11:24
  You
• 11:24
  can
• 11:24
  just
• 11:25
  look
• 11:25
  at
• 11:25
  your
• 11:25
  phone
• 11:25
  and
• 11:25
  see
• 11:25
  how
• 11:26
  much
• 11:26
  you
• 11:26
  have
• 11:26
  budgeted
• 11:27
  for
• 11:27
  that
• 11:28
  category
• 11:28
  and
• 11:29
  know.
• 11:29
  And
• 11:30
  figure
• 11:30
  out.
• 11:30
  Find
• 11:31
  out
• 11:31
  whether
• 11:31
  you
• 11:31
  get
• 11:31
  the
• 11:32
  thing.
• 11:33
  Oh,
• 11:33
  yeah,
• 11:34
  that's
• 11:35
  terrific.
• 11:36
  Yeah.
• 11:37
  That
• 11:37
  sort
• 11:37
  of
• 11:37
  reminds
• 11:38
  me.
• 11:38
  I
• 11:38
  had
• 11:38
  a
• 11:38
  funny
• 11:39
  interaction
• 11:41
  with
• 11:41
  a
• 11:41
  salesperson
• 11:42
  over
• 11:42
  the
• 11:42
  weekend.
• 11:43
  We
• 11:43
  went
• 11:44
  to
• 11:44
  the
• 11:44
  art
• 11:45
  store
• 11:46
  and
• 11:48
  Mike
• 11:48
  got
• 11:49
  some
• 11:49
  things
• 11:49
  and
• 11:49
  I
• 11:49
  got
• 11:50
  some
• 11:50
  things,
• 11:50
  and
• 11:51
  we
• 11:51
  go
• 11:51
  up
• 11:51
  to
• 11:52
  the
• 11:52
  register
• 11:53
  and
• 11:53
  we
• 11:53
  have
• 11:53
  separate
• 11:54
  budgets
• 11:55
  for
• 11:55
  these
• 11:55
  fun.
• 11:56
  You
• 11:56
  know,
• 11:56
  we
• 11:57
  each
• 11:57
  have
• 11:57
  a
• 11:57
  fun
• 11:57
  budget
• 11:58
  of
• 11:58
  money
• 11:58
  that
• 11:59
  we
• 11:59
  can
• 11:59
  spend
• 12:00
  however
• 12:00
  we
• 12:00
  want.
• 12:02
  And,
• 12:02
  you
• 12:02
  know,
• 12:03
  these
• 12:03
  things
• 12:03
  were
• 12:04
  definitely
• 12:04
  going
• 12:04
  to
• 12:04
  go
• 12:05
  on
• 12:05
  our
• 12:05
  respective
• 12:06
  fun
• 12:06
  budgets.
• 12:06
  And
• 12:07
  Mike
• 12:07
  was
• 12:07
  like,
• 12:08
  should
• 12:08
  we
• 12:09
  pay
• 12:09
  for
• 12:09
  it
• 12:09
  separately
• 12:10
  or
• 12:10
  do
• 12:11
  you
• 12:11
  want
• 12:11
  to
• 12:11
  just
• 12:11
  separate
• 12:12
  it
• 12:12
  out
• 12:12
  on
• 12:13
  the
• 12:13
  receipt?
• 12:13
  And
• 12:13
  I
• 12:14
  asked
• 12:14
  the
• 12:14
  guy,
• 12:14
  you
• 12:14
  know,
• 12:14
  well,
• 12:15
  can
• 12:15
  you
• 12:15
  subtotal
• 12:16
  it
• 12:16
  after
• 12:16
  you
• 12:17
  total
• 12:17
  up
• 12:17
  his
• 12:18
  stuff?
• 12:18
  And
• 12:18
  he's
• 12:18
  like,
• 12:18
  oh,
• 12:18
  yeah,
• 12:19
  sure.
• 12:20
  So
• 12:21
  then
• 12:21
  he
• 12:23
  rang
• 12:23
  up
• 12:23
  Mike's
• 12:24
  stuff,
• 12:24
  subtotal
• 12:25
  it,
• 12:25
  and
• 12:25
  then
• 12:25
  added
• 12:25
  my
• 12:26
  stuff,
• 12:26
  and
• 12:26
  then
• 12:26
  we
• 12:26
  got
• 12:27
  the
• 12:27
  total.
• 12:27
  So
• 12:27
  it
• 12:28
  made
• 12:28
  the
• 12:28
  receipt
• 12:28
  really
• 12:29
  easy
• 12:29
  to
• 12:29
  manage.
• 12:29
  But
• 12:30
  the
• 12:30
  guy
• 12:31
  was
• 12:31
  sort
• 12:31
  of
• 12:31
  looking
• 12:32
  at
• 12:32
  me
• 12:32
  funny.
• 12:32
  I
• 12:32
  said,
• 12:33
  oh,
• 12:33
  it
• 12:33
  has
• 12:34
  to
• 12:34
  come
• 12:34
  out
• 12:34
  of
• 12:34
  our
• 12:35
  separate
• 12:36
  fun
• 12:36
  budgets.
• 12:37
  And
• 12:37
  he
• 12:37
  goes,
• 12:38
  that's
• 12:38
  an
• 12:39
  interesting
• 12:39
  idea.
• 12:40
  My
• 12:40
  wife's
• 12:41
  been
• 12:41
  spending
• 12:42
  a
• 12:42
  lot
• 12:42
  more
• 12:42
  money
• 12:43
  than
• 12:43
  me
• 12:43
  lately,
• 12:44
  and
• 12:45
  maybe
• 12:45
  we
• 12:45
  need
• 12:46
  to
• 12:46
  do
• 12:46
  something
• 12:46
  like
• 12:47
  this.
• 12:48
  Nice.
• 12:49
  I
• 12:49
  said,
• 12:50
  yeah.
• 12:50
  I
• 12:50
  said,
• 12:50
  well,
• 12:51
  it's
• 12:51
  great
• 12:51
  because
• 12:52
  you
• 12:52
  each
• 12:53
  know
• 12:53
  how
• 12:53
  much
• 12:54
  you
• 12:54
  can
• 12:54
  spend.
• 12:55
  And,
• 12:56
  like,
• 12:57
  Mike
• 12:57
  likes
• 12:58
  to
• 13:00
  buy
• 13:00
  things,
• 13:01
  you
• 13:01
  know,
• 13:01
  when
• 13:02
  he
• 13:02
  sees
• 13:02
  them,
• 13:03
  like,
• 13:03
  he.
• 13:03
  He
• 13:04
  buys
• 13:05
  things
• 13:05
  more
• 13:05
  regularly.
• 13:06
  I
• 13:07
  like
• 13:07
  to
• 13:07
  sort
• 13:08
  of
• 13:08
  save
• 13:08
  my
• 13:08
  money
• 13:08
  up.
• 13:09
  And
• 13:09
  then
• 13:10
  when
• 13:10
  I
• 13:10
  see
• 13:10
  something,
• 13:11
  I
• 13:11
  have
• 13:11
  the
• 13:11
  money
• 13:12
  to
• 13:12
  get
• 13:12
  it.
• 13:12
  Like,
• 13:13
  I
• 13:13
  don't
• 13:13
  have
• 13:13
  to
• 13:15
  save
• 13:15
  for
• 13:16
  it
• 13:16
  because
• 13:16
  I
• 13:16
  already
• 13:16
  have.
• 13:17
  And.
• 13:18
  And
• 13:18
  so
• 13:19
  we
• 13:19
  have
• 13:19
  very
• 13:19
  different
• 13:19
  sort
• 13:20
  of
• 13:21
  methods
• 13:21
  of
• 13:22
  spending
• 13:22
  our
• 13:22
  fun
• 13:23
  money.
• 13:23
  And
• 13:24
  it
• 13:24
  doesn't
• 13:24
  matter
• 13:25
  because
• 13:26
  he
• 13:26
  has
• 13:26
  his
• 13:27
  and
• 13:27
  I
• 13:27
  have
• 13:27
  mine.
• 13:28
  And,
• 13:29
  you
• 13:29
  know,
• 13:29
  there's
• 13:30
  no
• 13:30
  question
• 13:31
  about
• 13:31
  it.
• 13:31
  Like,
• 13:32
  if
• 13:32
  you.
• 13:34
  It's
• 13:34
  kind
• 13:35
  of.
• 13:35
  It
• 13:35
  makes
• 13:35
  it
• 13:35
  so
• 13:36
  much
• 13:36
  more
• 13:36
  relaxing
• 13:37
  and
• 13:37
  peaceful.
• 13:38
  And
• 13:38
  peaceful.
• 13:38
  Right.
• 13:39
  It's
• 13:39
  good
• 13:39
  for
• 13:40
  a
• 13:40
  peaceful
• 13:41
  relationship
• 13:41
  as
• 13:41
  well.
• 13:42
  I
• 13:42
  mean,
• 13:42
  you
• 13:42
  don't
• 13:42
  have
• 13:42
  to
• 13:42
  be
• 13:42
  keeping
• 13:43
  an
• 13:43
  eye
• 13:43
  on
• 13:43
  how
• 13:43
  much
• 13:44
  he's
• 13:44
  spending,
• 13:44
  and
• 13:44
  he's
• 13:44
  not
• 13:45
  looking
• 13:45
  at
• 13:45
  what
• 13:45
  you're
• 13:45
  spending,
• 13:46
  and
• 13:46
  it's
• 13:46
  budgeted.
• 13:48
  And.
• 13:49
  And
• 13:49
  then
• 13:49
  a
• 13:49
  side
• 13:50
  benefit
• 13:51
  from
• 13:51
  my
• 13:51
  experience
• 13:52
  is
• 13:52
  that
• 13:52
  you're
• 13:53
  budgeting
• 13:53
  this
• 13:53
  money
• 13:54
  and
• 13:54
  not
• 13:54
  spending
• 13:54
  it.
• 13:54
  So
• 13:54
  you're
• 13:55
  basically
• 13:55
  saving
• 13:55
  it.
• 13:56
  And
• 13:57
  so
• 13:58
  your
• 13:58
  bank
• 13:58
  account
• 13:59
  is
• 13:59
  fat,
• 14:00
  but
• 14:01
  you're
• 14:01
  not
• 14:01
  spending
• 14:02
  that
• 14:02
  money
• 14:02
  because
• 14:02
  it's
• 14:03
  budgeted.
• 14:04
  So
• 14:05
  it
• 14:05
  gives
• 14:05
  you
• 14:05
  that
• 14:05
  buffer
• 14:06
  where
• 14:06
  you
• 14:06
  don't
• 14:06
  have
• 14:06
  to
• 14:06
  worry
• 14:07
  about
• 14:07
  bouncing
• 14:07
  a
• 14:07
  check
• 14:07
  or
• 14:08
  anything.
• 14:10
  Yet
• 14:10
  you're
• 14:11
  not
• 14:11
  overspending
• 14:11
  and
• 14:12
  you're
• 14:12
  not
• 14:12
  dipping.
• 14:13
  It's
• 14:13
  like
• 14:13
  having
• 14:13
  a
• 14:14
  savings
• 14:14
  account
• 14:16
  without
• 14:16
  having
• 14:16
  to
• 14:17
  transfer
• 14:17
  money
• 14:17
  into
• 14:18
  it.
• 14:18
  Yeah.
• 14:20
  Yeah.
• 14:20
  And
• 14:20
  you.
• 14:20
  And
• 14:21
  that's
• 14:21
  one
• 14:21
  of
• 14:22
  the
• 14:22
  tricky
• 14:22
  things,
• 14:22
  is
• 14:23
  that
• 14:23
  you
• 14:23
  have
• 14:23
  to
• 14:23
  get.
• 14:24
  If
• 14:24
  you've
• 14:24
  been
• 14:25
  used
• 14:25
  to
• 14:26
  managing
• 14:26
  your
• 14:26
  money
• 14:27
  by
• 14:27
  looking
• 14:27
  at
• 14:28
  your
• 14:28
  bank
• 14:28
  balance,
• 14:30
  you
• 14:30
  can't
• 14:30
  do
• 14:30
  that
• 14:31
  with
• 14:31
  Ynab.
• 14:32
  You
• 14:32
  have
• 14:32
  to
• 14:32
  do
• 14:32
  it
• 14:32
  by
• 14:33
  looking
• 14:33
  at
• 14:33
  your.
• 14:35
  At
• 14:36
  your
• 14:36
  categories
• 14:37
  and
• 14:37
  seeing
• 14:38
  what
• 14:38
  your
• 14:38
  budget's
• 14:39
  like
• 14:39
  in
• 14:39
  there.
• 14:40
  But
• 14:40
  it's
• 14:40
  so
• 14:41
  nice
• 14:41
  to
• 14:41
  go
• 14:41
  like,
• 14:42
  oh,
• 14:42
  you
• 14:43
  know,
• 14:43
  we
• 14:43
  had
• 14:44
  to
• 14:44
  have
• 14:44
  some
• 14:44
  work
• 14:45
  done
• 14:45
  on
• 14:45
  the
• 14:45
  car.
• 14:46
  I
• 14:46
  was
• 14:46
  like,
• 14:46
  oh,
• 14:47
  we
• 14:47
  have
• 14:47
  a
• 14:47
  budget
• 14:48
  item
• 14:49
  for
• 14:49
  the
• 14:49
  car,
• 14:50
  and
• 14:53
  happens
• 14:54
  once
• 14:54
  or
• 14:54
  twice
• 14:54
  a
• 14:55
  year
• 14:55
  that
• 14:55
  we
• 14:55
  spend
• 14:56
  it,
• 14:56
  but
• 14:58
  it's
• 14:58
  there.
• 14:58
  And
• 14:59
  so
• 14:59
  we
• 14:59
  don't
• 14:59
  have
• 15:00
  to
• 15:00
  worry
• 15:00
  about
• 15:00
  where
• 15:00
  that
• 15:01
  money
• 15:01
  is
• 15:01
  going
• 15:01
  to
• 15:01
  come
• 15:01
  from.
• 15:02
  Right.
• 15:03
  And
• 15:03
  in
• 15:03
  the
• 15:04
  principles
• 15:04
  within
• 15:04
  ynab,
• 15:05
  if
• 15:05
  you
• 15:06
  didn't
• 15:07
  have
• 15:07
  enough,
• 15:07
  let's
• 15:08
  say
• 15:08
  you
• 15:08
  had.
• 15:08
  You
• 15:08
  had
• 15:09
  budgeted
• 15:11
  $400.
• 15:12
  That's
• 15:12
  what
• 15:12
  was
• 15:13
  sitting
• 15:13
  in
• 15:13
  your
• 15:13
  budget
• 15:13
  for
• 15:14
  car
• 15:14
  repairs.
• 15:14
  And
• 15:14
  you
• 15:14
  came
• 15:15
  up
• 15:15
  with
• 15:15
  a
• 15:15
  $600
• 15:16
  car
• 15:16
  bill.
• 15:17
  You
• 15:17
  can
• 15:18
  make.
• 15:18
  Move
• 15:18
  the
• 15:18
  money.
• 15:19
  Or
• 15:19
  they
• 15:19
  call
• 15:19
  it
• 15:19
  whamming.
• 15:20
  Right.
• 15:20
  Whack
• 15:20
  a
• 15:20
  mole.
• 15:21
  Yeah.
• 15:22
  Move
• 15:22
  it
• 15:23
  from
• 15:23
  your
• 15:24
  furniture
• 15:24
  budget
• 15:25
  or
• 15:25
  whatever.
• 15:26
  Or
• 15:26
  whatever
• 15:26
  budget
• 15:27
  you
• 15:27
  might
• 15:27
  have
• 15:29
  so
• 15:29
  that
• 15:29
  you're
• 15:30
  always.
• 15:30
  Your
• 15:31
  priorities
• 15:31
  can
• 15:31
  shift
• 15:31
  and
• 15:32
  it's
• 15:32
  built
• 15:32
  into
• 15:33
  the.
• 15:34
  The
• 15:34
  system.
• 15:34
  What?
• 15:34
  That's
• 15:35
  rule
• 15:35
  number
• 15:35
  two.
• 15:35
  Right.
• 15:35
  I
• 15:36
  can't
• 15:36
  remember
• 15:36
  what
• 15:36
  exactly
• 15:37
  it
• 15:37
  is,
• 15:37
  how
• 15:38
  they
• 15:38
  phrase
• 15:38
  it,
• 15:38
  but
• 15:38
  it's
• 15:39
  basically
• 15:40
  nothing.
• 15:40
  I
• 15:40
  think
• 15:41
  it's
• 15:41
  roll
• 15:42
  with
• 15:42
  the
• 15:42
  punches.
• 15:43
  Yeah.
• 15:44
  Roll
• 15:44
  with
• 15:44
  the
• 15:44
  punches.
• 15:45
  Right.
• 15:46
  I
• 15:46
  did
• 15:46
  read
• 15:46
  the
• 15:46
  book,
• 15:47
  by
• 15:47
  the
• 15:47
  way,
• 15:47
  in
• 15:48
  episode
• 15:49
  whatever,
• 15:49
  the
• 15:50
  money
• 15:50
  episode,
• 15:50
  we
• 15:51
  talked
• 15:51
  about
• 15:51
  ynab,
• 15:52
  and
• 15:52
  I
• 15:52
  was
• 15:52
  saying,
• 15:52
  yeah,
• 15:52
  I
• 15:53
  gotta
• 15:53
  read
• 15:53
  the
• 15:53
  book.
• 15:54
  And
• 15:54
  you
• 15:54
  said,
• 15:55
  really
• 15:55
  what
• 15:55
  you
• 15:56
  need
• 15:56
  to
• 15:56
  do
• 15:56
  is
• 15:56
  do
• 15:56
  it,
• 15:56
  and
• 15:57
  then
• 15:57
  it
• 15:57
  will
• 15:57
  be
• 15:58
  a
• 15:58
  lot
• 15:58
  more
• 15:58
  clear
• 15:58
  to
• 15:58
  you,
• 15:58
  which
• 15:59
  is
• 15:59
  what
• 15:59
  I
• 15:59
  did,
• 15:59
  of
• 15:59
  course,
• 15:59
  because
• 16:00
  I
• 16:00
  always
• 16:00
  take
• 16:00
  all
• 16:00
  your
• 16:00
  advice.
• 16:01
  But
• 16:02
  I
• 16:02
  then
• 16:03
  downloaded
• 16:03
  the
• 16:04
  book
• 16:04
  from
• 16:04
  the
• 16:04
  library
• 16:05
  and
• 16:05
  listened
• 16:05
  to
• 16:05
  it
• 16:06
  and
• 16:07
  found
• 16:07
  it
• 16:07
  very
• 16:07
  helpful.
• 16:08
  I
• 16:08
  gotta
• 16:08
  say,
• 16:09
  it
• 16:09
  was
• 16:09
  a
• 16:09
  nice.
• 16:09
  It
• 16:10
  gave
• 16:10
  me.
• 16:12
  It
• 16:12
  gave.
• 16:13
  I
• 16:13
  think
• 16:13
  it
• 16:14
  was
• 16:14
  what
• 16:15
  allowed
• 16:16
  me
• 16:16
  to.
• 16:17
  Or
• 16:17
  motivated
• 16:18
  me
• 16:18
  to
• 16:18
  start
• 16:18
  using
• 16:19
  YNAB
• 16:19
  the
• 16:20
  way
• 16:20
  it
• 16:20
  was
• 16:20
  supposed.
• 16:20
  Is
• 16:21
  supposed
• 16:21
  to
• 16:21
  be
• 16:21
  used.
• 16:22
  Yeah.
• 16:23
  Well,
• 16:23
  yeah,
• 16:24
  I
• 16:24
  think
• 16:24
  you
• 16:24
  have
• 16:25
  to
• 16:25
  sort
• 16:25
  of
• 16:25
  start
• 16:25
  using
• 16:26
  it.
• 16:26
  Watch
• 16:27
  some
• 16:27
  of
• 16:27
  their
• 16:27
  videos.
• 16:28
  They
• 16:28
  have
• 16:28
  really
• 16:28
  great
• 16:28
  educational
• 16:29
  videos.
• 16:30
  And
• 16:30
  then
• 16:31
  read
• 16:31
  the
• 16:31
  book,
• 16:31
  read
• 16:32
  the
• 16:32
  blog
• 16:33
  so
• 16:33
  that
• 16:33
  you
• 16:33
  get
• 16:34
  the
• 16:34
  concepts
• 16:34
  behind
• 16:35
  it.
• 16:35
  But
• 16:36
  understanding
• 16:37
  the
• 16:37
  concepts
• 16:37
  before
• 16:38
  you
• 16:38
  understand
• 16:39
  how
• 16:39
  the
• 16:40
  software
• 16:40
  actually
• 16:40
  works
• 16:42
  is.
• 16:43
  It's
• 16:44
  a
• 16:44
  little
• 16:44
  more.
• 16:45
  I
• 16:45
  don't
• 16:45
  know,
• 16:45
  it
• 16:45
  seems
• 16:46
  a
• 16:46
  little
• 16:46
  more
• 16:46
  confusing
• 16:47
  to
• 16:47
  me.
• 16:47
  I
• 16:48
  agree
• 16:48
  100%.
• 16:49
  Yeah.
• 16:49
  If
• 16:49
  I
• 16:50
  hadn't
• 16:50
  had
• 16:50
  experience
• 16:50
  trying
• 16:51
  to
• 16:51
  use
• 16:51
  the
• 16:51
  software,
• 16:52
  I
• 16:52
  wouldn't
• 16:53
  have
• 16:53
  gotten
• 16:53
  as
• 16:54
  much
• 16:54
  out
• 16:54
  of
• 16:54
  the
• 16:54
  book.
• 16:55
  Without
• 16:55
  a
• 16:55
  doubt.
• 16:55
  Yeah.
• 16:57
  Oh,
• 16:57
  and
• 16:57
  the
• 16:57
  other
• 16:58
  thing
• 16:58
  I
• 16:58
  was
• 16:58
  telling
• 16:58
  you
• 16:58
  before
• 16:59
  we
• 16:59
  started
• 16:59
  recording
• 17:01
  a
• 17:02
  flash
• 17:02
  of
• 17:02
  brilliance
• 17:03
  I
• 17:03
  had
• 17:03
  at
• 17:04
  the
• 17:04
  end
• 17:04
  of
• 17:04
  the
• 17:04
  year,
• 17:04
  that
• 17:04
  she's
• 17:05
  helping
• 17:05
  me
• 17:05
  a
• 17:05
  lot,
• 17:06
  is
• 17:06
  that
• 17:07
  in
• 17:07
  addition
• 17:07
  to
• 17:08
  budgeting
• 17:08
  my
• 17:08
  business
• 17:09
  with
• 17:09
  ynab,
• 17:09
  I
• 17:09
  also
• 17:10
  have
• 17:10
  to
• 17:10
  keep
• 17:10
  track
• 17:10
  of
• 17:11
  my
• 17:12
  expenses.
• 17:12
  And
• 17:12
  YNAB
• 17:13
  does
• 17:13
  have
• 17:13
  reporting,
• 17:14
  but
• 17:14
  it's
• 17:14
  not
• 17:14
  robust
• 17:15
  enough
• 17:15
  for
• 17:15
  my
• 17:16
  business.
• 17:17
  So
• 17:17
  I
• 17:17
  don't
• 17:17
  feel
• 17:18
  it
• 17:18
  is.
• 17:18
  Maybe
• 17:18
  it
• 17:18
  is.
• 17:19
  Anyway,
• 17:21
  so
• 17:21
  I'm
• 17:21
  also
• 17:22
  keeping
• 17:22
  all
• 17:22
  that
• 17:22
  in
• 17:22
  QuickBooks.
• 17:23
  So
• 17:23
  when
• 17:24
  I.
• 17:26
  When
• 17:26
  it's
• 17:26
  time.
• 17:26
  Time
• 17:27
  for
• 17:27
  taxes,
• 17:27
  I'll
• 17:27
  just.
• 17:27
  For
• 17:28
  my
• 17:28
  business,
• 17:28
  I'll
• 17:28
  do
• 17:28
  a
• 17:29
  profit
• 17:29
  and
• 17:29
  loss
• 17:29
  statement
• 17:29
  and
• 17:30
  give
• 17:30
  it
• 17:30
  to
• 17:30
  the
• 17:30
  tax
• 17:31
  guy.
• 17:31
  Yeah.
• 17:32
  So
• 17:34
  at
• 17:34
  the
• 17:34
  end
• 17:34
  of
• 17:34
  the
• 17:34
  year,
• 17:34
  I
• 17:34
  thought,
• 17:35
  oh,
• 17:35
  yeah,
• 17:35
  I
• 17:35
  should
• 17:35
  see
• 17:35
  how
• 17:36
  I'm
• 17:36
  doing
• 17:36
  with
• 17:36
  my
• 17:36
  QuickBooks
• 17:37
  entry.
• 17:37
  And
• 17:38
  discovered
• 17:39
  that
• 17:39
  I
• 17:39
  had
• 17:40
  not
• 17:40
  really
• 17:40
  entered
• 17:41
  anything
• 17:41
  all
• 17:42
  year.
• 17:42
  And
• 17:42
  I
• 17:43
  just.
• 17:43
  I
• 17:43
  was
• 17:43
  shocked
• 17:44
  and
• 17:44
  appalled
• 17:45
  because
• 17:45
  I
• 17:45
  felt
• 17:46
  like
• 17:46
  I'd
• 17:46
  been,
• 17:46
  like,
• 17:47
  dealing
• 17:47
  with
• 17:47
  my
• 17:47
  finances,
• 17:48
  but
• 17:48
  I'd
• 17:48
  been
• 17:48
  doing
• 17:48
  it.
• 17:49
  Why
• 17:49
  not
• 17:49
  QuickBooks?
• 17:50
  So
• 17:51
  I've
• 17:51
  gotten
• 17:51
  myself
• 17:51
  caught
• 17:52
  up
• 17:52
  on
• 17:52
  QuickBooks.
• 17:52
  I
• 17:52
  had,
• 17:53
  like,
• 17:53
  some
• 17:53
  marathon
• 17:54
  time
• 17:54
  at
• 17:54
  the
• 17:54
  end
• 17:54
  of
• 17:55
  the
• 17:55
  year
• 17:55
  doing
• 17:55
  that.
• 17:56
  And
• 17:56
  then
• 17:56
  I
• 17:56
  realized
• 17:57
  since
• 17:58
  I'm
• 17:58
  doing
• 17:58
  YNAB
• 17:59
  every
• 17:59
  day,
• 18:00
  what
• 18:00
  happens
• 18:00
  is
• 18:01
  I
• 18:01
  check
• 18:01
  it
• 18:01
  and
• 18:01
  I
• 18:02
  see
• 18:02
  the
• 18:02
  transactions
• 18:03
  that
• 18:03
  have
• 18:03
  come
• 18:03
  through,
• 18:04
  and
• 18:04
  I
• 18:04
  approve
• 18:04
  them
• 18:04
  and
• 18:05
  budget
• 18:07
  the
• 18:07
  money
• 18:07
  or
• 18:08
  make
• 18:09
  sure
• 18:09
  the
• 18:09
  money's
• 18:09
  budgeted
• 18:09
  correctly.
• 18:11
  I'm
• 18:12
  also
• 18:13
  going
• 18:13
  into
• 18:14
  QuickBooks
• 18:14
  and
• 18:14
  entering
• 18:15
  each
• 18:15
  of
• 18:15
  those
• 18:15
  transactions.
• 18:17
  And
• 18:17
  it.
• 18:19
  I
• 18:19
  think
• 18:19
  that's
• 18:19
  so
• 18:19
  brilliant,
• 18:20
  so
• 18:20
  helpful.
• 18:21
  Like,
• 18:21
  I
• 18:21
  feel
• 18:21
  so
• 18:22
  much
• 18:22
  peace
• 18:22
  about
• 18:22
  this.
• 18:23
  Like,
• 18:23
  I'm
• 18:23
  not
• 18:23
  behind
• 18:24
  on
• 18:24
  QuickBooks
• 18:25
  for
• 18:25
  the
• 18:25
  first
• 18:25
  time
• 18:26
  my
• 18:26
  life,
• 18:27
  because
• 18:27
  I'm
• 18:28
  always
• 18:28
  behind
• 18:28
  on
• 18:28
  QuickBooks.
• 18:30
  Right.
• 18:30
  And
• 18:30
  that's
• 18:31
  something
• 18:31
  that
• 18:31
  weighs
• 18:31
  on
• 18:32
  you.
• 18:32
  Yes.
• 18:33
  We've
• 18:33
  been
• 18:33
  asked
• 18:34
  you
• 18:34
  about
• 18:34
  it
• 18:34
  for
• 18:35
  years.
• 18:35
  It's
• 18:35
  weighed
• 18:36
  on
• 18:36
  me.
• 18:36
  I
• 18:36
  always
• 18:36
  wanted
• 18:37
  a
• 18:37
  better
• 18:37
  habit
• 18:38
  of
• 18:38
  dealing
• 18:38
  with
• 18:38
  QuickBooks.
• 18:39
  My
• 18:39
  ideal
• 18:39
  was
• 18:39
  that
• 18:40
  I
• 18:40
  would
• 18:40
  do
• 18:40
  it,
• 18:40
  like,
• 18:40
  once
• 18:41
  a
• 18:41
  week
• 18:41
  on
• 18:41
  Sundays.
• 18:41
  I
• 18:41
  would
• 18:41
  enter
• 18:42
  my
• 18:42
  transactions.
• 18:43
  Now
• 18:43
  I
• 18:43
  don't
• 18:44
  even
• 18:44
  have
• 18:44
  to
• 18:44
  do
• 18:44
  that
• 18:44
  now.
• 18:45
  It's.
• 18:45
  It's
• 18:46
  just
• 18:46
  happening.
• 18:47
  I
• 18:47
  paired
• 18:48
  a
• 18:48
  habit
• 18:48
  with
• 18:49
  an
• 18:49
  established
• 18:49
  habit.
• 18:50
  So
• 18:50
  I've
• 18:50
  already
• 18:50
  got
• 18:51
  the
• 18:51
  habit
• 18:51
  of
• 18:51
  doing
• 18:51
  ynab,
• 18:52
  and
• 18:52
  it's
• 18:52
  kind
• 18:52
  of
• 18:52
  fun,
• 18:52
  and
• 18:53
  it
• 18:53
  doesn't
• 18:54
  have
• 18:54
  any
• 18:54
  dread
• 18:54
  associated
• 18:55
  with
• 18:55
  it.
• 18:56
  And
• 18:56
  so
• 18:56
  now
• 18:56
  I'm
• 18:57
  just
• 18:57
  pairing
• 18:57
  this
• 18:57
  new
• 18:58
  habit
• 18:58
  of
• 18:58
  doing
• 18:59
  the
• 18:59
  QuickBooks.
• 18:59
  Because
• 19:00
  part
• 19:00
  of
• 19:00
  the
• 19:00
  problem
• 19:00
  with
• 19:01
  QuickBooks
• 19:01
  and
• 19:01
  one
• 19:02
  of
• 19:02
  the
• 19:02
  reasons
• 19:02
  that
• 19:02
  I
• 19:03
  would
• 19:03
  put
• 19:03
  off
• 19:03
  doing
• 19:03
  it
• 19:04
  would
• 19:04
  be
• 19:04
  that
• 19:05
  my.
• 19:05
  My
• 19:06
  memory,
• 19:06
  I
• 19:06
  wouldn't
• 19:07
  remember
• 19:07
  what.
• 19:08
  Like,
• 19:08
  I
• 19:08
  have
• 19:09
  a
• 19:09
  deposit.
• 19:09
  Like,
• 19:10
  who
• 19:10
  was
• 19:10
  this
• 19:10
  and
• 19:10
  which
• 19:10
  client
• 19:11
  was
• 19:11
  this?
• 19:11
  Oh,
• 19:11
  my
• 19:12
  gosh.
• 19:12
  There's
• 19:12
  not
• 19:12
  a
• 19:12
  way
• 19:12
  to
• 19:13
  run
• 19:13
  a
• 19:13
  business.
• 19:14
  So
• 19:14
  there
• 19:15
  would
• 19:15
  be,
• 19:15
  you
• 19:15
  know,
• 19:15
  and
• 19:15
  I
• 19:16
  don't
• 19:16
  like
• 19:16
  feeling
• 19:16
  stupid.
• 19:16
  I
• 19:17
  don't
• 19:17
  like
• 19:17
  feeling
• 19:17
  helpless.
• 19:18
  All
• 19:18
  these
• 19:19
  things
• 19:19
  would
• 19:19
  come
• 19:19
  into
• 19:20
  play.
• 19:20
  And
• 19:21
  now
• 19:21
  I
• 19:21
  know
• 19:21
  exactly
• 19:22
  what
• 19:22
  it
• 19:22
  is
• 19:22
  because
• 19:22
  it
• 19:23
  happened
• 19:23
  yesterday,
• 19:24
  and
• 19:25
  I
• 19:26
  can
• 19:26
  just
• 19:26
  enter
• 19:26
  it.
• 19:27
  So
• 19:27
  it's.
• 19:28
  Yeah,
• 19:28
  it's
• 19:29
  going.
• 19:29
  I
• 19:30
  think.
• 19:30
  I
• 19:30
  mean,
• 19:30
  no,
• 19:30
  it's
• 19:31
  just
• 19:31
  mid
• 19:31
  January,
• 19:31
  but
• 19:32
  I
• 19:32
  feel
• 19:32
  as
• 19:32
  though
• 19:33
  this
• 19:34
  is
• 19:34
  going
• 19:34
  to
• 19:34
  be
• 19:34
  a
• 19:34
  game
• 19:35
  changer
• 19:35
  for
• 19:35
  me
• 19:35
  when
• 19:36
  it
• 19:36
  comes
• 19:36
  time
• 19:36
  to
• 19:36
  do
• 19:37
  taxes
• 19:37
  for
• 19:37
  2020.
• 19:38
  When
• 19:38
  it
• 19:38
  comes
• 19:39
  time
• 19:39
  to
• 19:41
  just.
• 19:41
  Even
• 19:42
  when
• 19:42
  I
• 19:42
  think
• 19:42
  about
• 19:43
  money,
• 19:43
  it's
• 19:44
  just.
• 19:45
  I
• 19:45
  feel
• 19:45
  more
• 19:46
  in
• 19:46
  Control
• 19:46
  and
• 19:47
  happy,
• 19:47
  and
• 19:48
  I.
• 19:48
  You
• 19:49
  just
• 19:49
  know
• 19:49
  where
• 19:49
  you're
• 19:49
  at.
• 19:50
  I
• 19:50
  know.
• 19:51
  Yeah,
• 19:51
  exactly.
• 19:52
  Yeah.
• 19:52
  Yeah.
• 19:53
  I'm
• 19:53
  very,
• 19:53
  very
• 19:54
  excited.
• 19:54
  And
• 19:55
  my
• 19:55
  top
• 19:56
  goal
• 19:56
  for
• 19:56
  the
• 19:56
  year
• 19:57
  in
• 19:57
  my
• 19:57
  goal
• 19:57
  setting
• 19:58
  this
• 19:58
  year
• 19:59
  is
• 19:59
  to
• 19:59
  pay
• 20:00
  off
• 20:00
  a
• 20:01
  business
• 20:01
  credit
• 20:02
  card.
• 20:03
  And
• 20:03
  so
• 20:04
  YNAB's
• 20:04
  giving
• 20:04
  me
• 20:05
  the
• 20:05
  tools
• 20:05
  to
• 20:05
  do
• 20:05
  that.
• 20:06
  And
• 20:07
  along
• 20:07
  with.
• 20:07
  Do
• 20:08
  you
• 20:08
  know
• 20:08
  undebtit.
• 20:09
  Do
• 20:09
  you
• 20:09
  know
• 20:09
  that?
• 20:11
  Oh,
• 20:11
  I've
• 20:12
  heard
• 20:12
  about
• 20:12
  it.
• 20:13
  Yeah.
• 20:13
  So
• 20:13
  it's
• 20:14
  a
• 20:14
  free
• 20:14
  or
• 20:14
  premium.
• 20:15
  There's
• 20:15
  a
• 20:15
  premium
• 20:16
  version,
• 20:16
  too.
• 20:16
  App
• 20:17
  that
• 20:17
  helps
• 20:17
  you
• 20:18
  figure
• 20:18
  out
• 20:18
  the
• 20:18
  best
• 20:18
  ways
• 20:19
  to
• 20:19
  pay
• 20:19
  off
• 20:19
  debt,
• 20:20
  and
• 20:20
  it
• 20:20
  integrates
• 20:20
  with
• 20:21
  why
• 20:21
  now,
• 20:21
  although
• 20:22
  I
• 20:22
  haven't,
• 20:23
  so
• 20:23
  I'm
• 20:23
  not
• 20:23
  exactly
• 20:24
  sure
• 20:24
  what
• 20:24
  that
• 20:24
  means.
• 20:25
  But
• 20:25
  it.
• 20:27
  It's.
• 20:27
  It's
• 20:27
  great
• 20:28
  because
• 20:28
  it
• 20:28
  gives
• 20:28
  you
• 20:28
  models.
• 20:29
  If
• 20:29
  you
• 20:29
  pay
• 20:29
  this
• 20:29
  much,
• 20:29
  you
• 20:30
  know,
• 20:30
  it'll
• 20:30
  be
• 20:30
  gone
• 20:31
  in
• 20:31
  this
• 20:31
  amount
• 20:31
  of
• 20:32
  time,
• 20:32
  that
• 20:32
  sort
• 20:32
  of
• 20:32
  thing.
• 20:32
  Oh,
• 20:33
  right.
• 20:33
  And,
• 20:33
  you
• 20:34
  know,
• 20:34
  if
• 20:35
  people.
• 20:35
  I
• 20:35
  don't
• 20:35
  have
• 20:36
  multiple
• 20:36
  credit
• 20:36
  cards
• 20:36
  that
• 20:36
  I'm
• 20:37
  paying
• 20:37
  off,
• 20:37
  but
• 20:37
  when
• 20:37
  people
• 20:37
  do,
• 20:37
  it
• 20:38
  helps
• 20:38
  them
• 20:38
  figure
• 20:38
  out
• 20:39
  what.
• 20:40
  Which
• 20:41
  order
• 20:41
  to
• 20:41
  pay
• 20:41
  them
• 20:41
  in
• 20:42
  in
• 20:42
  various
• 20:43
  scenarios.
• 20:44
  So
• 20:45
  it's
• 20:45
  pretty
• 20:45
  great.
• 20:47
  But
• 20:47
  anyway,
• 20:47
  yeah,
• 20:48
  I'm
• 20:48
  feeling
• 20:48
  like
• 20:48
  I'm
• 20:48
  in
• 20:48
  the
• 20:48
  driver's
• 20:49
  seat.
• 20:50
  Oh,
• 20:51
  yay.
• 20:52
  Yeah,
• 20:52
  that's
• 20:53
  big
• 20:53
  for
• 20:53
  me.
• 20:54
  That's
• 20:55
  awesome.
• 20:56
  Thank
• 20:56
  you.
• 20:56
  Well,
• 20:57
  and,
• 20:57
  you
• 20:57
  know,
• 20:58
  money
• 20:58
  can
• 20:58
  be
• 20:59
  so
• 20:59
  stressful,
• 21:00
  and
• 21:01
  I
• 21:01
  think
• 21:01
  there's
• 21:02
  just
• 21:02
  this
• 21:02
  sort
• 21:03
  of,
• 21:03
  I
• 21:04
  don't
• 21:04
  know,
• 21:04
  residual
• 21:05
  habitual
• 21:06
  stress
• 21:06
  around
• 21:07
  money
• 21:08
  if
• 21:10
  you
• 21:11
  are
• 21:11
  not
• 21:12
  on.
• 21:13
  On
• 21:13
  top
• 21:13
  of
• 21:13
  it
• 21:14
  and
• 21:14
  in
• 21:14
  control
• 21:14
  and
• 21:15
  sort
• 21:15
  of
• 21:15
  aware
• 21:16
  of
• 21:16
  what's
• 21:16
  happening
• 21:17
  with
• 21:17
  your
• 21:17
  money,
• 21:18
  if
• 21:18
  you've.
• 21:18
  If
• 21:18
  you've
• 21:19
  ever
• 21:19
  struggled
• 21:19
  with
• 21:19
  money.
• 21:20
  So
• 21:20
  even
• 21:21
  though
• 21:21
  you're
• 21:21
  not
• 21:21
  in
• 21:22
  danger
• 21:22
  of,
• 21:23
  you
• 21:23
  know,
• 21:23
  bouncing
• 21:24
  a
• 21:24
  check,
• 21:25
  you
• 21:25
  always
• 21:25
  sort
• 21:26
  of
• 21:26
  have
• 21:26
  that
• 21:26
  fear
• 21:27
  if
• 21:27
  you
• 21:27
  don't
• 21:28
  know
• 21:28
  where
• 21:28
  you're
• 21:28
  at.
• 21:28
  And
• 21:29
  that's
• 21:29
  a
• 21:29
  problem
• 21:29
  you've
• 21:30
  had
• 21:30
  in
• 21:30
  the
• 21:30
  past,
• 21:31
  right?
• 21:32
  Absolutely.
• 21:33
  Yeah.
• 21:34
  And
• 21:34
  also,
• 21:35
  I
• 21:35
  think
• 21:35
  once
• 21:35
  this
• 21:36
  credit
• 21:36
  card
• 21:36
  is
• 21:36
  paid
• 21:37
  off,
• 21:37
  it
• 21:37
  will
• 21:37
  really
• 21:37
  help
• 21:38
  me
• 21:38
  not
• 21:38
  incur
• 21:39
  any
• 21:39
  credit
• 21:39
  card
• 21:39
  debt.
• 21:40
  Because
• 21:40
  part
• 21:40
  of
• 21:40
  the
• 21:41
  principles
• 21:41
  in
• 21:41
  YNAB
• 21:42
  is
• 21:42
  that
• 21:42
  when
• 21:42
  you
• 21:43
  spend
• 21:43
  money
• 21:43
  on
• 21:43
  a
• 21:43
  credit
• 21:44
  card,
• 21:44
  you
• 21:44
  budget
• 21:44
  for
• 21:45
  it,
• 21:45
  and
• 21:45
  therefore,
• 21:46
  the
• 21:46
  money
• 21:46
  is
• 21:46
  there
• 21:46
  for
• 21:47
  you
• 21:47
  to
• 21:47
  pay
• 21:48
  it.
• 21:49
  Yeah.
• 21:49
  So
• 21:50
  that's
• 21:50
  what
• 21:50
  that.
• 21:51
  What
• 21:51
  we
• 21:51
  do
• 21:52
  is
• 21:52
  we
• 21:53
  have.
• 21:56
  We
• 21:56
  have
• 21:56
  our
• 21:57
  credit
• 21:57
  card
• 21:57
  set
• 21:58
  up
• 21:58
  on
• 21:59
  automatic
• 22:01
  payment,
• 22:02
  so
• 22:03
  the
• 22:03
  payment
• 22:04
  in
• 22:04
  Florida
• 22:04
  is
• 22:04
  taken
• 22:05
  out
• 22:05
  of
• 22:05
  our
• 22:05
  bank
• 22:05
  account.
• 22:06
  And
• 22:06
  we
• 22:06
  know
• 22:07
  that
• 22:07
  that
• 22:07
  money
• 22:07
  is
• 22:07
  in
• 22:08
  the
• 22:08
  bank
• 22:08
  account
• 22:08
  because
• 22:09
  we've
• 22:09
  budgeted
• 22:09
  for
• 22:10
  all
• 22:10
  of
• 22:10
  it
• 22:10
  in
• 22:10
  advance.
• 22:11
  So
• 22:11
  we
• 22:11
  never
• 22:11
  have
• 22:11
  to
• 22:11
  worry
• 22:12
  about,
• 22:12
  like,
• 22:12
  oh,
• 22:13
  is
• 22:13
  there
• 22:13
  enough
• 22:13
  money
• 22:14
  to
• 22:14
  cover
• 22:15
  that?
• 22:16
  Or,
• 22:16
  you
• 22:16
  know,
• 22:16
  like,
• 22:17
  you
• 22:18
  know,
• 22:18
  when
• 22:18
  I
• 22:18
  was
• 22:22
  not.
• 22:22
  When
• 22:22
  I
• 22:22
  didn't
• 22:23
  have
• 22:23
  as
• 22:23
  Much
• 22:25
  extra
• 22:25
  cash.
• 22:26
  I
• 22:27
  would.
• 22:28
  I
• 22:28
  had.
• 22:29
  And
• 22:29
  I.
• 22:31
  Was
• 22:31
  worried
• 22:32
  about
• 22:32
  missing
• 22:33
  a
• 22:33
  payment.
• 22:34
  I
• 22:34
  had
• 22:34
  automatic
• 22:35
  payment
• 22:36
  set
• 22:36
  up
• 22:36
  as
• 22:37
  a.
• 22:37
  For
• 22:38
  the
• 22:38
  minimum
• 22:38
  amount
• 22:39
  due.
• 22:39
  And
• 22:40
  then
• 22:40
  based
• 22:41
  on
• 22:42
  what
• 22:44
  my
• 22:45
  income.
• 22:45
  Then
• 22:46
  I
• 22:46
  would
• 22:46
  budget
• 22:47
  more
• 22:47
  money
• 22:48
  to
• 22:49
  pay
• 22:49
  down
• 22:50
  the
• 22:51
  credit
• 22:51
  card.
• 22:53
  But
• 22:54
  you
• 22:54
  know,
• 22:55
  there
• 22:55
  was
• 22:55
  always
• 22:55
  like,
• 22:56
  oh,
• 22:56
  I
• 22:56
  have
• 22:56
  to
• 22:56
  make
• 22:57
  sure
• 22:57
  there's
• 22:57
  enough
• 22:57
  money.
• 22:57
  Money
• 22:58
  on
• 22:58
  such
• 22:58
  and
• 22:58
  such
• 22:58
  a
• 22:59
  date.
• 22:59
  But
• 22:59
  if
• 22:59
  you've
• 22:59
  already
• 23:00
  budgeted
• 23:00
  for
• 23:00
  those
• 23:01
  things
• 23:01
  and
• 23:01
  you're.
• 23:01
  And
• 23:02
  you're
• 23:02
  spending
• 23:02
  the
• 23:02
  money
• 23:05
  or
• 23:06
  you
• 23:06
  know,
• 23:06
  you've
• 23:06
  budgeted
• 23:07
  for
• 23:07
  it
• 23:08
  with
• 23:08
  money
• 23:08
  that
• 23:08
  you've
• 23:09
  already
• 23:09
  earned,
• 23:10
  then
• 23:11
  you
• 23:11
  get
• 23:11
  that
• 23:12
  peace
• 23:12
  of
• 23:12
  mind
• 23:12
  that
• 23:13
  is
• 23:13
  so
• 23:13
  priceless.
• 23:14
  Oh,
• 23:15
  yeah.
• 23:15
  I'm
• 23:15
  looking
• 23:15
  forward
• 23:16
  to
• 23:16
  it.
• 23:16
  That.
• 23:16
  That
• 23:17
  is
• 23:17
  just
• 23:17
  amazing.
• 23:18
  Yeah.
• 23:18
  And
• 23:18
  I
• 23:18
  know
• 23:18
  that
• 23:18
  you
• 23:18
  would
• 23:19
  have
• 23:19
  the
• 23:19
  autumn
• 23:19
  because
• 23:19
  I
• 23:20
  do
• 23:20
  this
• 23:20
  too.
• 23:20
  You
• 23:20
  had
• 23:20
  the
• 23:20
  automatic
• 23:21
  payment
• 23:21
  for
• 23:21
  the
• 23:21
  minimum,
• 23:22
  not
• 23:22
  because
• 23:22
  you
• 23:23
  intended
• 23:23
  to
• 23:23
  only
• 23:23
  pay
• 23:24
  the
• 23:24
  minimum,
• 23:24
  but
• 23:25
  so
• 23:25
  that
• 23:25
  you
• 23:25
  wouldn't
• 23:25
  pay
• 23:25
  it
• 23:26
  risk
• 23:26
  paying
• 23:27
  it
• 23:27
  late.
• 23:27
  You
• 23:27
  know,
• 23:27
  at
• 23:27
  least
• 23:28
  you're
• 23:28
  always
• 23:28
  right
• 23:28
  have
• 23:29
  the
• 23:29
  minute
• 23:29
  minimum
• 23:30
  payments.
• 23:30
  You
• 23:30
  don't
• 23:30
  get
• 23:30
  a
• 23:30
  late
• 23:30
  charge.
• 23:31
  Exactly.
• 23:32
  Yeah.
• 23:33
  Yeah.
• 23:34
  That's
• 23:34
  really
• 23:34
  cool.
• 23:35
  I'm
• 23:35
  looking
• 23:35
  forward
• 23:35
  to.
• 23:38
  I'm
• 23:38
  definitely
• 23:38
  looking
• 23:38
  forward
• 23:39
  to
• 23:39
  it
• 23:39
  once
• 23:39
  mine
• 23:40
  is
• 23:40
  paid
• 23:40
  off
• 23:41
  to
• 23:42
  putting
• 23:42
  it
• 23:42
  on
• 23:42
  full
• 23:44
  pay
• 23:44
  the
• 23:45
  balance
• 23:45
  and
• 23:46
  it's
• 23:46
  totally
• 23:46
  on
• 23:46
  autopilot
• 23:47
  because
• 23:47
  the
• 23:47
  money
• 23:47
  is
• 23:47
  there.
• 23:48
  I
• 23:48
  totally
• 23:48
  get
• 23:48
  that.
• 23:49
  And
• 23:50
  wow,
• 23:50
  that's.
• 23:50
  I
• 23:51
  feel
• 23:51
  really
• 23:51
  excited
• 23:51
  even
• 23:51
  just
• 23:52
  thinking
• 23:52
  about
• 23:52
  it.
• 23:53
  Yay.
• 23:57
  I
• 23:57
  feel
• 23:57
  like.
• 24:00
  I
• 24:01
  hope
• 24:01
  that
• 24:01
  listeners,
• 24:02
  if
• 24:02
  they're
• 24:02
  intrigued,
• 24:03
  will
• 24:03
  check
• 24:03
  out
• 24:04
  the
• 24:04
  YNAB
• 24:04
  website.
• 24:05
  There's
• 24:05
  a
• 24:06
  free
• 24:06
  trial,
• 24:08
  33
• 24:08
  days
• 24:08
  that
• 24:09
  what
• 24:09
  we
• 24:09
  decided
• 24:10
  they
• 24:10
  offer.
• 24:10
  I
• 24:10
  think
• 24:11
  it's
• 24:11
  something
• 24:11
  like
• 24:12
  that.
• 24:12
  Just
• 24:12
  over
• 24:12
  a
• 24:12
  month
• 24:13
  where
• 24:13
  you
• 24:13
  can
• 24:14
  try
• 24:14
  it
• 24:14
  out
• 24:15
  and
• 24:16
  at
• 24:16
  no
• 24:16
  cost.
• 24:16
  And
• 24:17
  then
• 24:17
  after
• 24:18
  that
• 24:19
  there's
• 24:20
  a.
• 24:20
  Is
• 24:21
  it
• 24:21
  6,
• 24:22
  6.99amonth?
• 24:22
  I
• 24:22
  should
• 24:23
  know.
• 24:23
  It's
• 24:23
  in
• 24:23
  my
• 24:23
  budget.
• 24:25
  I
• 24:26
  don't
• 24:26
  know.
• 24:26
  We
• 24:26
  pay
• 24:26
  it
• 24:27
  for
• 24:27
  a
• 24:27
  year.
• 24:28
  Yeah.
• 24:29
  And
• 24:29
  I
• 24:29
  want
• 24:29
  to
• 24:30
  say
• 24:30
  it's.
• 24:30
  Oh,
• 24:31
  yeah,
• 24:31
  so
• 24:31
  do
• 24:31
  I.
• 24:33
  I
• 24:33
  can't
• 24:34
  remember
• 24:34
  how
• 24:34
  much
• 24:34
  it
• 24:34
  is
• 24:35
  for
• 24:35
  a
• 24:35
  year.
• 24:35
  I
• 24:35
  think
• 24:35
  it's
• 24:35
  $84
• 24:36
  a
• 24:36
  year
• 24:37
  or
• 24:37
  just
• 24:37
  under
• 24:37
  $84
• 24:38
  a
• 24:38
  year
• 24:38
  and
• 24:38
  it's
• 24:39
  100%
• 24:40
  worth
• 24:40
  it.
• 24:42
  Yeah.
• 24:42
  Yeah.
• 24:44
  But
• 24:44
  it's
• 24:44
  nice
• 24:44
  that
• 24:44
  they
• 24:45
  offer
• 24:45
  a
• 24:45
  free
• 24:45
  trial
• 24:45
  and
• 24:45
  we'll
• 24:46
  have
• 24:46
  a
• 24:46
  link
• 24:46
  in
• 24:46
  the
• 24:46
  show
• 24:46
  notes
• 24:47
  too
• 24:48
  to
• 24:48
  it.
• 24:49
  Yeah,
• 24:50
  I
• 24:50
  think
• 24:50
  so.
• 24:51
  And
• 24:51
  that,
• 24:51
  you
• 24:51
  know,
• 24:51
  there
• 24:51
  are
• 24:52
  a
• 24:52
  couple
• 24:52
  of
• 24:52
  other
• 24:52
  things
• 24:52
  that
• 24:53
  we
• 24:53
  talked
• 24:54
  about.
• 24:54
  Like
• 24:55
  YNAB
• 24:56
  for
• 24:56
  me
• 24:56
  is
• 24:57
  the
• 24:57
  cornerstone
• 24:58
  of
• 24:58
  my
• 24:59
  financial
• 24:59
  piece.
• 25:00
  But.
• 25:02
  And
• 25:02
  I
• 25:02
  encourage
• 25:03
  people
• 25:03
  to
• 25:03
  check
• 25:03
  it
• 25:03
  out
• 25:04
  and
• 25:04
  I
• 25:05
  think
• 25:06
  I
• 25:06
  would
• 25:07
  like
• 25:07
  to
• 25:07
  offer
• 25:07
  if.
• 25:08
  If
• 25:08
  there
• 25:08
  any
• 25:08
  of
• 25:09
  our
• 25:09
  listeners
• 25:09
  are.
• 25:10
  Want
• 25:10
  to
• 25:12
  try
• 25:12
  out
• 25:12
  YNAB
• 25:14
  and
• 25:14
  have
• 25:15
  questions
• 25:15
  about
• 25:15
  it,
• 25:16
  I
• 25:16
  would
• 25:16
  be
• 25:16
  happy
• 25:16
  to
• 25:17
  answer
• 25:17
  them
• 25:17
  in
• 25:18
  our
• 25:18
  Facebook
• 25:18
  group.
• 25:19
  Oh,
• 25:19
  that's
• 25:20
  wonderful.
• 25:21
  Yeah.
• 25:21
  Because
• 25:22
  it
• 25:22
  is.
• 25:22
  It's
• 25:22
  confusing.
• 25:23
  It's
• 25:23
  a
• 25:23
  completely
• 25:24
  different
• 25:24
  way
• 25:25
  to
• 25:25
  think
• 25:25
  about
• 25:25
  your
• 25:25
  money.
• 25:26
  So
• 25:27
  I
• 25:27
  want
• 25:27
  to
• 25:27
  support
• 25:28
  people
• 25:28
  who
• 25:28
  want
• 25:29
  to
• 25:29
  try
• 25:29
  it,
• 25:29
  because
• 25:29
  I
• 25:30
  really
• 25:30
  do
• 25:30
  feel
• 25:30
  like
• 25:30
  it's
• 25:30
  life
• 25:31
  changing.
• 25:32
  There
• 25:33
  are
• 25:33
  Facebook
• 25:33
  groups
• 25:34
  devoted
• 25:34
  to
• 25:34
  YNAB
• 25:35
  as
• 25:35
  well.
• 25:35
  I
• 25:35
  mean,
• 25:35
  I
• 25:35
  think
• 25:36
  picking
• 25:37
  your
• 25:37
  brain,
• 25:37
  Shannon,
• 25:37
  is
• 25:38
  the
• 25:38
  best
• 25:38
  solution,
• 25:38
  the
• 25:38
  best
• 25:39
  thing
• 25:40
  that
• 25:40
  available
• 25:41
  to
• 25:41
  anybody
• 25:41
  who's
• 25:41
  listening.
• 25:42
  But
• 25:42
  if
• 25:43
  they
• 25:43
  want
• 25:44
  more,
• 25:45
  there's.
• 25:45
  Or
• 25:46
  there's.
• 25:46
  Do
• 25:47
  you
• 25:47
  belong
• 25:47
  to
• 25:47
  any
• 25:47
  of
• 25:47
  those?
• 25:48
  There's
• 25:48
  a
• 25:48
  couple.
• 25:48
  I
• 25:48
  belong
• 25:49
  to
• 25:49
  at
• 25:49
  least
• 25:49
  one
• 25:49
  YNAB
• 25:50
  group.
• 25:51
  Oh,
• 25:51
  that's
• 25:51
  so
• 25:51
  funny.
• 25:52
  It
• 25:52
  never
• 25:52
  even
• 25:53
  occurred
• 25:53
  to
• 25:53
  me.
• 25:53
  But
• 25:53
  of
• 25:54
  course
• 25:54
  there
• 25:54
  must
• 25:54
  be.
• 25:55
  Yeah,
• 25:55
  I
• 25:55
  think
• 25:56
  it's
• 25:56
  like
• 25:56
  fans
• 25:56
  of
• 25:56
  YNAB
• 25:57
  or
• 25:57
  something.
• 25:57
  Yeah,
• 25:58
  yeah,
• 25:59
  yeah.
• 26:00
  But
• 26:00
  I
• 26:00
  think
• 26:00
  that's
• 26:01
  a
• 26:01
  very
• 26:01
  generous
• 26:01
  offer,
• 26:01
  and
• 26:02
  I
• 26:02
  hope
• 26:02
  people
• 26:02
  take
• 26:02
  you
• 26:03
  up
• 26:03
  on.
• 26:04
  I
• 26:04
  will
• 26:04
  take
• 26:05
  you
• 26:05
  up
• 26:05
  on
• 26:05
  it.
• 26:07
  Excellent.
• 26:08
  But
• 26:08
  there
• 26:08
  was
• 26:08
  a
• 26:08
  couple
• 26:09
  of
• 26:09
  other
• 26:09
  things
• 26:09
  that
• 26:10
  we
• 26:10
  talked
• 26:10
  about
• 26:10
  outside
• 26:11
  of
• 26:11
  YNAB
• 26:13
  that
• 26:14
  I
• 26:14
  think
• 26:15
  can
• 26:15
  help
• 26:16
  bring
• 26:16
  financial
• 26:17
  peace
• 26:17
  of
• 26:17
  mind,
• 26:17
  and
• 26:18
  one
• 26:18
  of
• 26:18
  them,
• 26:19
  it's
• 26:19
  sort
• 26:20
  of
• 26:20
  related,
• 26:21
  but
• 26:21
  you
• 26:21
  can
• 26:22
  do
• 26:22
  this
• 26:22
  whether
• 26:23
  you're
• 26:23
  using
• 26:23
  YNAB
• 26:24
  or
• 26:24
  not,
• 26:24
  and
• 26:24
  that
• 26:25
  is
• 26:25
  to
• 26:25
  create
• 26:25
  that
• 26:26
  buffer
• 26:27
  so
• 26:27
  that
• 26:28
  you're
• 26:28
  paying,
• 26:29
  you
• 26:30
  know,
• 26:30
  this
• 26:30
  month's
• 26:30
  income,
• 26:31
  pays
• 26:31
  next
• 26:31
  month's
• 26:32
  expenses.
• 26:33
  And
• 26:33
  one
• 26:33
  of
• 26:33
  the
• 26:34
  ways
• 26:34
  that
• 26:34
  we
• 26:34
  were
• 26:35
  able
• 26:35
  to
• 26:35
  do
• 26:36
  that
• 26:36
  was
• 26:37
  by
• 26:41
  Mike
• 26:41
  gets
• 26:42
  paid
• 26:42
  every
• 26:43
  two
• 26:43
  weeks,
• 26:44
  and
• 26:44
  so
• 26:45
  he
• 26:45
  gets
• 26:45
  26
• 26:47
  paychecks
• 26:48
  a
• 26:48
  month.
• 26:48
  I
• 26:49
  mean,
• 26:49
  a
• 26:49
  year.
• 26:50
  26amonth.
• 26:51
  It's
• 26:51
  amazing.
• 26:53
  26
• 26:53
  a
• 26:54
  year.
• 26:55
  But
• 26:55
  we
• 26:55
  budget
• 26:57
  based
• 26:57
  on
• 26:58
  24
• 26:58
  paychecks
• 26:59
  a
• 26:59
  year,
• 26:59
  as
• 26:59
  if
• 26:59
  you
• 27:00
  were
• 27:00
  only
• 27:00
  getting
• 27:01
  two
• 27:01
  per
• 27:01
  month.
• 27:01
  As.
• 27:02
  And
• 27:02
  so
• 27:03
  there's
• 27:03
  those
• 27:03
  two
• 27:04
  extra
• 27:04
  paychecks
• 27:05
  that
• 27:06
  I
• 27:06
  refer
• 27:06
  to
• 27:06
  as
• 27:07
  the
• 27:07
  magical
• 27:07
  paychecks
• 27:10
  that
• 27:11
  helped
• 27:12
  us
• 27:13
  create
• 27:13
  our
• 27:13
  buffer.
• 27:14
  And
• 27:14
  then.
• 27:15
  And
• 27:15
  now
• 27:15
  they
• 27:16
  go
• 27:16
  to
• 27:17
  a
• 27:17
  specific
• 27:18
  line
• 27:18
  item
• 27:20
  on
• 27:20
  our
• 27:20
  budget
• 27:23
  that.
• 27:25
  So
• 27:25
  when
• 27:25
  they
• 27:26
  come
• 27:26
  in,
• 27:27
  they.
• 27:27
  They
• 27:27
  just
• 27:28
  go
• 27:28
  straight
• 27:29
  to
• 27:29
  this
• 27:29
  line
• 27:30
  item
• 27:30
  for
• 27:31
  our.
• 27:31
  So
• 27:31
  you
• 27:31
  have
• 27:31
  a
• 27:32
  line
• 27:32
  item
• 27:32
  on
• 27:32
  your
• 27:33
  budget
• 27:33
  that's
• 27:33
  funded
• 27:34
  specifically
• 27:34
  by
• 27:35
  those
• 27:35
  two
• 27:35
  extra
• 27:36
  paychecks?
• 27:38
  Yeah,
• 27:39
  there's
• 27:39
  a
• 27:39
  monthly
• 27:40
  amount
• 27:40
  goes
• 27:40
  into
• 27:40
  it
• 27:42
  and
• 27:42
  then.
• 27:42
  Plus
• 27:43
  those
• 27:43
  two
• 27:43
  paychecks.
• 27:44
  But
• 27:44
  that
• 27:44
  helps
• 27:44
  us
• 27:45
  meet
• 27:45
  the
• 27:45
  annual
• 27:46
  goal
• 27:46
  that
• 27:46
  we
• 27:46
  want
• 27:46
  to
• 27:47
  meet
• 27:47
  in
• 27:47
  sort
• 27:47
  of
• 27:48
  a
• 27:48
  painless
• 27:48
  way.
• 27:49
  That's
• 27:49
  fantastic.
• 27:50
  Plus,
• 27:50
  it
• 27:50
  keeps
• 27:51
  you
• 27:51
  from
• 27:53
  frivolously
• 27:54
  spending
• 27:54
  the
• 27:54
  bonus
• 27:55
  money,
• 27:55
  right?
• 27:58
  Yeah.
• 27:58
  Oh,
• 27:59
  that's
• 27:59
  cool.
• 27:59
  That's
• 28:00
  a
• 28:00
  very.
• 28:00
  That's
• 28:01
  a
• 28:01
  very
• 28:01
  smart.
• 28:01
  You're
• 28:02
  so.
• 28:02
  You're
• 28:02
  so,
• 28:03
  like,
• 28:04
  next
• 28:04
  level
• 28:05
  smart
• 28:05
  on
• 28:05
  this
• 28:05
  stuff,
• 28:06
  Shannon.
• 28:08
  Well,
• 28:09
  It's.
• 28:09
  It.
• 28:10
  I
• 28:10
  mean,
• 28:11
  I.
• 28:12
  Having
• 28:13
  been
• 28:13
  broke
• 28:14
  and
• 28:16
  not
• 28:17
  really
• 28:17
  having
• 28:19
  good
• 28:20
  financial
• 28:22
  mentor
• 28:22
  models
• 28:23
  in
• 28:23
  my
• 28:23
  life
• 28:24
  growing
• 28:24
  up,
• 28:26
  you
• 28:26
  know,
• 28:27
  I
• 28:27
  struggled
• 28:28
  with
• 28:28
  it,
• 28:28
  but
• 28:30
  then
• 28:30
  I
• 28:31
  became
• 28:31
  an
• 28:31
  investor
• 28:32
  relations
• 28:32
  consultant.
• 28:34
  Oh,
• 28:34
  right.
• 28:34
  I
• 28:34
  forgot
• 28:35
  about
• 28:35
  that
• 28:35
  part
• 28:35
  of
• 28:35
  your
• 28:35
  life.
• 28:38
  And.
• 28:41
  And
• 28:41
  I
• 28:41
  started
• 28:42
  talking
• 28:42
  about
• 28:42
  money
• 28:42
  a
• 28:43
  lot,
• 28:43
  and
• 28:43
  I
• 28:43
  had
• 28:43
  to
• 28:44
  build,
• 28:44
  like,
• 28:44
  these
• 28:45
  crazy
• 28:45
  spreadsheets
• 28:46
  for
• 28:46
  my
• 28:46
  clients,
• 28:47
  and.
• 28:49
  And
• 28:49
  then
• 28:49
  I
• 28:49
  had
• 28:49
  a
• 28:50
  lot
• 28:50
  of
• 28:50
  banks
• 28:50
  as
• 28:50
  clients,
• 28:51
  and
• 28:51
  so
• 28:51
  I.
• 28:52
  You
• 28:52
  know,
• 28:52
  I
• 28:52
  just
• 28:52
  started
• 28:52
  thinking
• 28:53
  about
• 28:53
  it
• 28:53
  from
• 28:54
  a
• 28:54
  different
• 28:54
  perspective
• 28:57
  and
• 28:58
  helped.
• 28:58
  And
• 28:59
  I.
• 28:59
  And
• 28:59
  I'm
• 28:59
  always
• 29:00
  looking
• 29:00
  for
• 29:01
  ways
• 29:02
  to
• 29:04
  help
• 29:05
  money
• 29:06
  feel
• 29:06
  supportive
• 29:07
  as
• 29:07
  opposed
• 29:08
  to
• 29:08
  stressful.
• 29:10
  Yes.
• 29:11
  Because,
• 29:11
  you
• 29:11
  know,
• 29:12
  that's
• 29:12
  what
• 29:12
  it's
• 29:12
  all.
• 29:13
  That's
• 29:13
  what.
• 29:13
  It's
• 29:13
  there.
• 29:14
  It's
• 29:14
  there
• 29:14
  to
• 29:14
  support
• 29:14
  you.
• 29:15
  I
• 29:16
  feel
• 29:16
  like
• 29:16
  you
• 29:16
  should
• 29:17
  create
• 29:18
  a
• 29:18
  course
• 29:18
  or
• 29:18
  something
• 29:18
  about
• 29:19
  this.
• 29:19
  And
• 29:20
  it
• 29:21
  just
• 29:21
  popped
• 29:21
  into
• 29:21
  my
• 29:21
  head.
• 29:22
  I
• 29:22
  realized
• 29:22
  we've
• 29:22
  never
• 29:22
  talked
• 29:23
  about
• 29:23
  that,
• 29:23
  but
• 29:23
  it
• 29:24
  feels
• 29:24
  like
• 29:24
  you
• 29:24
  should.
• 29:25
  You'd
• 29:25
  be
• 29:25
  a
• 29:26
  great
• 29:26
  teacher
• 29:26
  on
• 29:27
  that,
• 29:27
  because
• 29:27
  that's
• 29:27
  a
• 29:27
  beautiful
• 29:28
  sentiment.
• 29:28
  Money
• 29:28
  is.
• 29:29
  Should
• 29:29
  be
• 29:29
  supportive,
• 29:30
  not
• 29:30
  stressful.
• 29:31
  Yeah.
• 29:31
  I
• 29:32
  mean,
• 29:32
  that's
• 29:32
  the
• 29:32
  idea.
• 29:32
  That's
• 29:33
  my
• 29:33
  goal.
• 29:33
  And.
• 29:36
  And
• 29:36
  I
• 29:36
  imagine
• 29:36
  a
• 29:36
  lot
• 29:37
  of
• 29:37
  people
• 29:37
  feel
• 29:37
  the
• 29:37
  same
• 29:37
  way.
• 29:38
  Right.
• 29:39
  That's
• 29:39
  great.
• 29:41
  Yeah.
• 29:42
  So
• 29:43
  anything
• 29:44
  else
• 29:44
  about
• 29:44
  financial
• 29:45
  peace?
• 29:47
  I
• 29:48
  don't
• 29:48
  think
• 29:49
  so,
• 29:50
  but
• 29:50
  I
• 29:50
  appreciate
• 29:51
  your
• 29:52
  patience
• 29:52
  in
• 29:53
  helping.
• 29:54
  Well,
• 29:55
  I
• 29:56
  was
• 29:56
  gonna
• 29:56
  say
• 29:56
  helping
• 29:56
  me
• 29:56
  with
• 29:56
  ynab,
• 29:57
  which
• 29:57
  you
• 29:57
  have.
• 29:57
  But
• 29:58
  moreover,
• 29:58
  you've
• 29:59
  also,
• 29:59
  like,
• 30:00
  just
• 30:01
  been
• 30:01
  patient
• 30:01
  and
• 30:02
  not
• 30:02
  shaken
• 30:02
  me
• 30:03
  and
• 30:03
  said,
• 30:03
  why
• 30:03
  don't
• 30:03
  you
• 30:03
  just
• 30:03
  do
• 30:04
  it?
• 30:05
  Knowing
• 30:06
  that
• 30:06
  it
• 30:06
  would
• 30:06
  help
• 30:06
  me
• 30:07
  when
• 30:08
  I
• 30:08
  complain
• 30:08
  about
• 30:08
  such
• 30:09
  things.
• 30:10
  So
• 30:11
  I
• 30:11
  feel
• 30:11
  like
• 30:11
  I'm
• 30:11
  finally
• 30:12
  there.
• 30:12
  Yeah.
• 30:14
  Yay.
• 30:14
  Well,
• 30:15
  I'm
• 30:16
  so
• 30:16
  thrilled.
• 30:17
  Like,
• 30:17
  when
• 30:17
  you
• 30:18
  told
• 30:18
  me
• 30:18
  that
• 30:18
  today,
• 30:19
  it
• 30:19
  made
• 30:19
  me
• 30:20
  so
• 30:20
  happy.
• 30:21
  Yay.
• 30:23
  Yeah,
• 30:23
  me
• 30:23
  too.
• 30:25
  Me
• 30:25
  too.
• 30:25
  So
• 30:25
  that's
• 30:26
  awesome.
• 30:27
  Now
• 30:27
  I'm,
• 30:27
  like,
• 30:27
  thinking
• 30:27
  of
• 30:28
  all
• 30:28
  these
• 30:28
  other
• 30:28
  things
• 30:28
  that
• 30:29
  we
• 30:29
  can
• 30:29
  talk
• 30:29
  about
• 30:29
  that
• 30:31
  Mike
• 30:31
  has
• 30:33
  a
• 30:33
  spiel
• 30:33
  that
• 30:34
  he
• 30:34
  gives
• 30:34
  his
• 30:35
  young
• 30:36
  patients
• 30:39
  because
• 30:39
  he
• 30:39
  doesn't
• 30:40
  just
• 30:40
  talk
• 30:40
  to
• 30:41
  them
• 30:41
  about
• 30:41
  their
• 30:41
  physical
• 30:42
  health.
• 30:42
  He
• 30:42
  also
• 30:42
  talks
• 30:43
  to
• 30:43
  them
• 30:43
  about
• 30:43
  their
• 30:44
  financial
• 30:44
  health
• 30:44
  and
• 30:45
  their
• 30:45
  mental
• 30:45
  health.
• 30:47
  They
• 30:47
  have
• 30:47
  appointments
• 30:47
  with
• 30:48
  him.
• 30:50
  Yeah.
• 30:50
  But,
• 30:52
  you
• 30:52
  know,
• 30:52
  it's
• 30:52
  just
• 30:52
  another
• 30:53
  way
• 30:53
  to
• 30:53
  think
• 30:53
  about
• 30:53
  it,
• 30:54
  and
• 30:57
  I
• 30:58
  think
• 30:58
  it
• 30:58
  is
• 30:59
  useful,
• 31:00
  like,
• 31:00
  for
• 31:00
  your
• 31:01
  whole
• 31:01
  life
• 31:01
  to
• 31:02
  feel
• 31:02
  confident
• 31:03
  about
• 31:04
  money.
• 31:05
  Yeah.
• 31:06
  Yeah.
• 31:07
  And
• 31:08
  the
• 31:08
  sooner
• 31:08
  in
• 31:09
  your
• 31:09
  life
• 31:09
  you
• 31:09
  can
• 31:09
  do
• 31:09
  it,
• 31:09
  the
• 31:10
  better.
• 31:11
  Yeah,
• 31:12
  absolutely.
• 31:15
  I
• 31:15
  would
• 31:15
  have
• 31:15
  liked
• 31:16
  to
• 31:16
  have
• 31:16
  been
• 31:16
  more
• 31:17
  confident
• 31:17
  about
• 31:17
  money
• 31:18
  about
• 31:18
  20
• 31:19
  years
• 31:19
  earlier.
• 31:20
  That's
• 31:20
  what
• 31:20
  I
• 31:20
  was
• 31:21
  thinking.
• 31:21
  25
• 31:21
  for
• 31:22
  me.
• 31:22
  Yeah.
• 31:26
  So
• 31:27
  what
• 31:27
  about
• 31:27
  you?
• 31:28
  Do
• 31:28
  you
• 31:28
  have
• 31:29
  financial
• 31:29
  peace?
• 31:30
  Do
• 31:30
  you
• 31:30
  have
• 31:31
  any
• 31:33
  tips
• 31:33
  that
• 31:34
  you
• 31:34
  would
• 31:34
  like
• 31:34
  to
• 31:34
  share
• 31:35
  with
• 31:35
  us?
• 31:36
  Do
• 31:36
  you
• 31:36
  have
• 31:36
  questions?
• 31:37
  Is
• 31:38
  there
• 31:38
  something
• 31:38
  that
• 31:39
  you
• 31:39
  struggle
• 31:39
  with
• 31:40
  you
• 31:40
  can
• 31:41
  let
• 31:41
  us
• 31:41
  know
• 31:41
  by
• 31:42
  leaving
• 31:42
  a
• 31:42
  voicemail
• 31:43
  at
• 31:43
  4134424
• 31:45
  GTGE.
• 31:46
  That's
• 31:47
  4843.
• 31:48
  Or
• 31:49
  by
• 31:49
  hitting
• 31:50
  us
• 31:50
  up
• 31:50
  on
• 31:50
  social
• 31:51
  media,
• 31:51
  on
• 31:52
  Facebook
• 31:52
  and
• 31:52
  Instagram,
• 31:53
  @gettingtogoodenough,
• 31:54
  on
• 31:55
  Twitter,
• 31:55
  ttgenough,
• 31:58
  and
• 31:58
  of
• 31:59
  course,
• 31:59
  always
• 31:59
  on
• 32:00
  our
• 32:00
  website,
• 32:00
  gettingtogoodenough.com
• 32:03
  where
• 32:03
  you'll
• 32:03
  find
• 32:03
  the
• 32:03
  show
• 32:04
  notes
• 32:04
  for
• 32:04
  this
• 32:05
  episode
• 32:06
  and
• 32:07
  all
• 32:07
  our
• 32:07
  other
• 32:08
  ones.
• 32:10
  But
• 32:10
  for
• 32:10
  now,
• 32:10
  this
• 32:11
  is
• 32:11
  Shannon
• 32:11
  Wilkinson.
• 32:12
  In
• 32:12
  Portland,
• 32:12
  Oregon,
• 32:13
  and
• 32:14
  Jeanine
• 32:14
  Adams
• 32:14
  in
• 32:15
  St.
• 32:15
  Louis,
• 32:15
  Missouri.
• 32:16
  And
• 32:17
  we
• 32:17
  hope
• 32:17
  that
• 32:17
  good
• 32:18
  enough
• 32:18
  is
• 32:18
  getting
• 32:18
  easier
• 32:19
  for
• 32:19
  you.
• 32:30
  I
• 32:30
  feel
• 32:30
  compelled
• 32:31
  to
• 32:31
  go
• 32:31
  check
• 32:31
  my
• 32:31
  Y
• 32:32
  nab
• 32:32
  right
• 32:32
  now.
• 32:33
  Make
• 32:34
  sure
• 32:34
  there's
• 32:34
  no
• 32:34
  red
• 32:35
  in
• 32:35
  there.
• 32:36
  Yeah.