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Budget Nerds: Daily Summaries Delivered
by You Need a Budget
Personal finance experts Ben Barlowe and Ernie Reppe get nerdy with numbers as they share budgeting tips, strategies for categorizing transactions, and lessons learned from using the revolutionary budgeting system known as You Need a Budget.
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- Yesterday56 min
#143 - What Does "Getting Good at Money" Really Mean?
If you follow any of the content at YNAB -- whether it's Budget Nerds, the Jesse Mecham Show, or social media -- you've probably heard the term "getting good at money" in many different contexts over the past few months. But what does it actually mean to be "good" at money. Ben and Ernie share their thoughts about what being good with money is, in terms of skill, emotional wellness, and a strong sense of purpose in life. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB win with Ben and Ernie! budgetnerds@ynab.com
- 4 weeks ago1h 2m
#142 - Tag, You're It!
Ben and Ernie respond to a YouTube tag from new and enthusiastic YNABer Niamh, asking them to answer 12 questions about their YNAB journey and daily money habits. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB win with Ben and Ernie! budgetnerds@ynab.com
- Jun 17, 20261h 6m
#141 - Ask Ben & Ernie: Travel, Debt, and Life After Month Ahead
Ben and Ernie are back with a Q&A episode, answering questions about YNAB from podcast listeners and YouTube viewers. In this episode, they discuss travel tips for funding vacations and keeping vacation expenses organized in the moment. They talk about how the new photo feature and bulk editing features can be used to preserve important memories as well as information about your travels. The Nerds also explore how YNAB can simplify tax preparation with a little planning (and sometimes a separate plan if you own a business). They answer questions about debt paydown while still working towards getting a month ahead on expenses, as well as the other side of the coin -- what do you do after everything is funded, you're a month ahead or more, and you're asking yourself: "what next?" Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB win with Ben and Ernie! budgetnerds@ynab.com
- May 14, 202645 min
#140 - YNAB With Us Live! (YouTube Live May 13, 2026)
Ben and Ernie are live on YouTube again, this time inviting you to YNAB with them! Ben and Ernie went live on May 13, 2026, and walked through their recent transactions -- categorizing, moving money, re-evaluating priorities -- and answered questions from viewers along the way. This livestream relies heavily on screensharing since Ben and Ernie are using the YNAB app live, so we recommend you check out the replay of the livestream on YouTube here: https://www.youtube.com/live/PNC4OkJbHwA?si=MNDmYSG_RgLxWe0o Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB win with Ben and Ernie! budgetnerds@ynab.com
- May 13, 20261 min
Ben & Ernie LIVE Today on YouTube 3:30pm ET
Ben and Ernie are going live again on YouTube today, May 13th, 2026 at 3:30pm Eastern time. They'll be going through their own transactions, categorizing, moving money to handle overspending, and more, so you'll get to YNAB with them in real time! Set your alarm clocks and follow the livestream at the link below. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB win with Ben and Ernie! budgetnerds@ynab.com
- Apr 29, 202652 min
#139 - Sixteen YNAB Features Hidden in Plain Sight
Ben and Ernie round up sixteen of their favorite YNAB features and share them on today's show, including some oft-overlooked tools in the app. Whether you're brand new or a veteran YNAB'er, there's probably at least one feature in this episode you haven't heard about (including some brand new stuff)! This episode is highly visual, so we recommend you view it on YouTube so you can see how these features work in the app. Follow the links below to the YNAB YouTube channel. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB win with Ben and Ernie! budgetnerds@ynab.com
- Apr 8, 202650 min
#138 - Our Biggest Wins Episode Yet: 22 Epic YNAB Wins
Ben and Ernie are back with another round of YNAB wins, and they keep getting better and better. In today's episode they share 22 money wins from YNAB'ers around the world who found financial peace, gained confidence in their spending, and navigated difficult life challenges with less money stress through their use of YNAB. Ben and Ernie broke the wins into six categories: Feeling more clear-headed Feeling more peaceful Feeling prepared Feeling confident Feeling free Feeling peaceful together If you are looking for inspiration and encouragement for your own money story, this episode is for you! Share your YNAB win with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g
- Mar 25, 20261h 9m
#137 - Patching vs (re)Building Your Money Habits
Ernie floated a sports reference to Ben in a recent discussion, the concept of an NFL team patching together the holes in their lineup with trades and free agents versus completely rebuilding it from the ground up. Patching of course is the quick fix -- it gets you results now, so you can field a team and compete this season. The results, however, may not be what you want, and often the patched-together team doesn't hold up over a long season. Rebuilding is the long road. It usually means suffering now so that you can have a strong, cohesive unit to play with next season (or sometimes several seasons in the future). A team built from the ground up also has depth. When things go wrong, and injuries happen, that team has seasoned players who can fill the gaps and still act as a cohesive unit. Well, it turns out the same is true for our money habits. Ben and Ernie run through a list of common habits that are trying to patch the holes in your spending plan, and compare them to sustainable building habits, which lead to a strong, flexible plan that aligns with your life. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g Share your YNAB win with Ben and Ernie! budgetnerds@ynab.com
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About Budget Nerds
Personal finance experts Ben Barlowe and Ernie Reppe get nerdy with numbers as they share budgeting tips, strategies for categorizing transactions, and lessons learned from using the revolutionary budgeting system known as You Need a Budget.
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