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.
📻 Siste episoder av Budget Nerds
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#133 - The 3 Stages of YNAB'er Emergency Funds (00:53:16)
The emergency fund is sacrosanct in the personal finance world. Nearly everyone considers an emergency fund to be a prudent thing to establish -- a necessity, even -- whether it's three to six months ...
#132 - Ernie's 2026 Categories (01:16:38)
Ernie is kicking off the new year with a fresh plan... but not a fresh start! For years, Ernie has made a fresh start at the beginning of every year, but the allure of data history and being able to s...
#131 - Ben and Ernie YouTube LIVE Q&A (01:08:44)
Happy New Year! Ben and Ernie kick off the 2026 season of Budget Nerds with a YouTube livestream, answering listener questions and engaging with comments. If you missed the livestream, this is your ch...
#130 - Gen Z Money Trends: How TikTok and Instagram Are Shaping Personal Finance (01:15:00)
In today's episode resident social media gurus Amber and Sarah, of Instagram and TikTok fame respectively, join the show to talk about the personal finance trends that are going viral among the Gen Z ...
#129 - YNAB for Singles: Lauren's Categories (01:31:48)
In today's episode, Ben and Ernie interview Lauren, a single mid-30's physical therapist living in Arizona. Lauren is already a legend in the Budget Nerds community for YNAB'ing for years completely m...
#128 - Setup Your Plan Like a Budget Nerd: Advanced YNAB Concepts (01:06:18)
A few episodes ago, Ben and Ernie walked through how to set up YNAB for the first time, focusing on the basics. Today, by popular request, they are covering the advanced setup, exploring every feature...
#127 - Pay Off Debt vs Get A Month Ahead: Which Should You Do First? (00:53:39)
Ben and Ernie take up arms in the age old personal finance battle -- pay off your debt first, or get a month ahead on your bills? While they have discussed this topic before, in today's episode they a...
#126 - Spending A Life of Adventure with Ashley L. (Live from FF Minneapolis) (00:53:16)
At Fan Fest Minneapolis in June 2025, Ben and Ernie recorded their first ever live podcast of Budget Nerds! They invited friend, mentor, and fellow YNAB creator Ashley Lapato, who also runs @theorgani...
#125 - All the Ways to Easily Add Transactions (00:39:46)
You may have noticed some recent changes to the YNAB app, starting with no more "add transaction" button in the bottom row of the screen. It was a little jarring for Ben and Ernie at first, but they q...
#124 - 7 Habits That Changed Our Money Forever (01:18:07)
It's often said that sucess is the result of your daily habits. In today's episode, Ben and Ernie talk about seven habits that completed changed how they think about and act around money, including: ...
#123 - How to Start YNAB (Simple, No Hassle Setup) (01:02:56)
YNAB is a powerful, flexible piece of software, but there is a learning curve. In today's episode, Ben and Ernie teach you how to setup a YNAB spending plan from scratch, and the essential features yo...
#122 - Feeling Stuck? These 26 YNAB Wins Will Inspire You (00:57:56)
It's been a while since Ben and Ernie have had a good old fashioned YNAB wins show, so here's another one! Ben and Ernie collected wins big and small from YNAB'ers improving their relationship with sp...
#121 - The Weirdest Categories We've Ever Seen (and Loved) (00:45:19)
Through all the category breakdown episodes, Ben and Ernie have seen some thought-provoking, inspiring, funny, and downright weird categories from YNAB'ers. Today's episode is all about celebrating th...
#120 - Your Categories Are Not Alone! The New YNAB Templates (01:02:58)
Have you felt overwhelmed trying to think of categories for your money when you start a fresh spending plan? Or just wished someone would come up with new categories for you when you need to plan for ...
#119 - Lauren's YNAB Categories (PLUS How She Breaks the Multi-Currency Rules) (01:15:18)
In today's episode Ben and Ernie chat with Lauren, a long time YNAB user going back to YNAB4 and a Customer Support Specialist at YNAB. Though she was born in the US, Lauren is of Korean descent and s...
#118 - Getting the Most Out of YNAB (01:16:14)
You don't have to be a power user for YNAB to help you gain control over your money, start loving the way you spend, and change your life. But there's a lot of power under the hood, and Ben and Ernie ...
#117 - Ben and Ernie Fight! (01:08:13)
Get your popcorn ready, because on today's episode Ben and Ernie are lacing up the gloves and going for 12 rounds! Twelve rounds of YNAB debate, of course. They have selected 12 YNAB hot topics and sp...
#116 - YNAB's Future Vision with CEO Todd Curtis (01:06:17)
In today's episode Ben and Ernie talk with the man himself, Todd Curtis, long-time YNAB team member and CEO since 2021. Todd has been a YNAB'er going all the way back to the YNAB3 days, and served as ...
#115 - How Heidi Overcame ADHD and Money Mistakes with YNAB (01:13:02)
Today Ben and Ernie are joined by long-time YNAB'er Heidi to discuss her challenges of managing money with ADHD, and how she has used the YNAB method to reclaim control over her money. As Heidi explai...
#114 - How to Handle a Windfall (00:46:56)
Many of us approach YNAB from a position of scarcity, at least at first. We don't have enough money to do all the things we want to do, and we're living paycheck to paycheck. Giving every dollar a job...
#113 - How to Pay Off Debt The YNAB Way (00:53:29)
It has been a while since Ben and Ernie have done an old fashioned debt payoff episode, but it's still one of the hottest topics when it comes to personal finance. And in their veiw, at least, paying ...
#112 - Ben and Ernie Fix a Messy Budget! (YouTube Livestream Replay) (01:02:23)
Ben and Ernie are back again to fix a very messy budget, and this time they are doing it live! This is a replay from their YouTube livestream on Mar 26th, 2025. There is a strong visual component to t...
Budget Nerds LIVE on YouTube: Fixing a Messy Budget (00:01:56)
Together they sail or sink! Today, March 26th at 3:00pm Eastern, Ben and Ernie will be livestreaming on YouTube and will attempt to fix a messy YNAB budget. This episode will have a heavy visual compo...
#111 - What's Your YNAB Routine? (01:02:43)
Like the cycles of the earth, Sun, and moon, YNAB'ers have cycles too! Daily, monthly, quarterly, even yearly, there are things to do to manage your spending plan. In today's episode Ben and Ernie sha...
#110 - Is YNAB Worth It? (00:48:30)
It's a common question for those not already committed to YNAB: is it really worth it? I mean, paying for a budgeting software? It's a legitimate question, and you can probably guess where Ben and Ern...
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