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That background music is just making me crazy

I've been using it since 2013, it's the only budgeting tool I have been able to stick to with unmedicated ADHD. The trick I have found is to set a budget up in advance, for example say you just bought a new phone, you should already be planning/budgeting for when you need a new phone 2-3 years down the line. If you get a car, you should already be saving up for a new car 5-10 years down the line. It's such a great feeling when say the phone you have had for years finally dies and you think "Oh yeah I have 1.2k just sitting in a budget that I saved up when I bought this phone", and just being able to get a new one without the dread of thinking this is gonna hurt or that I am gonna get locked in to a two year payment plan. I also found categorising things in priority instead of category is better. P1,P2,P3 ect. P1s should be the essentials for survival, rent/mortgage, insurance, groceries, electricity, fuel, bills ect P2 Should be essentials that keep you comfortable, Clothing, medical, dental, emergency fund, pet care funds, internet bills. P3 are the things that are important but future related, new car, new phone, software subscriptions. P4 are things you want but don't really need to survive. P5, P6 ect As income comes in I always fill from the top down, P1s first ect going down so I know my income goes to the most important stuff first. The hardest part about YNAB with ADHD is getting into the habit of checking your funds before you leave for the shops or before you click purchase on the website, but that's not really the fault of YNAB but my own brain being impulsive.

I began using YNAB in October 2021. I was extremely good with funding my True Expenses (which I call my Future Debt Prevention), but I was still having some difficulties with my day-to-day spending. I was moving money from one category to another (ie from groceries to household, etc) constantly. I finally realized that perhaps I was not being realistic with the amounts being assigned in individual categories. Instead of giving up I am using those moves as learning experiences for my future budgeting. I really enjoyed your video, so I subscribed and added you to my official YNAB playlist for easy reference. I'm looking forward to more videos like this from you. Thanks!

YNAB is the only budgeting app that’s worked for me. Especially as self employed and I don’t know what I’m going to be making every month. Great video! Forecast budgeting has never worked for me.

Yay! This is true. I used YNAB correctly and it literally changed my life. I've tried to get friends and family to use it and they thing they don't need budgeting software. Everybody needs budgeting software.

YNAB changed my life. I used Quicken for years and never understood credit cards. In 1 month under YNAB it made so much sense.

I've been using YNAB since 2013, it's the only budgeting tool I have been able to stick to with unmedicated ADHD. I have found that I still need spreadsheets to plan ahead where my money will go. This is the most expensive app (outside of Ramsey+) and now YNAB will raise the annual fee to over $100.00!!!!! So NOW I am SADLY shopping for a new app.

I just got started with YNAB and I am absolutley loving it. I always had the problem of 'how can I physically (or logically) set aside money for non-monthly purchases'? Making mental notes or using spreadsheets to 'earmark' money in my checking and savings accounts wasn't giving me the accountability I needed. YNAB was EXACTLY what I was looking for! I love how it is present and future focused. I wish I started this years ago!

Thank you. Good reminder. After using YNAB for years it slowly became just a tracking tool. Getting back using it properly again.

I am receiving a large monetary gift to pay off all of my debts! Helping understand this program will be vital. I've never known a life of no debt.

I don't really understand YNAB's benefit over Mint. I use Mint to not only project my total savings, monthly income and keep track of savings for long-term/annual expenses but also to keep track of my overall wealth wealth while having better tracking tools to stay on top of organization. I don't spend more than I have and make sure that I operate on a fully funded 0 overage budget, but it makes no sense to me how YNAB is supposedly better and "forward looking" while completely restricting you to handle your finances as if you were making only cash purchases in that moment. People keep praising YNAB as superior to Mint, but I just don't see it. It seems like there's just more hassle to it which was the main reason I moved away from Everydollar. Am I missing something?

My partner has been making me use YNAB and I clicked on this video 100% so I could justify us not using it anymore because I hate it. Then as the video kept playing, he just gradually got more and more smug. So. I still hate YNAB, but you've made my fiscally-focused partner very happy, and thinking about YNAB differently than I was before, I'm pretty sure I'll be able to manage my resources in a way that is less frustrating for the both of us. Thank you.

KZfaq suggested this video for me. I saw the title and came in ready to give you a piece of my mind because I am a huge YNAB fan, haha 😂 This video was great and explains the YNAB methodology very well! You got yourself a new sub haha.

This is truly the perspective us ADHD folks need to have when using YNAB. Especially the part about having a “it’s just a temporary phase” mindset until we have a consistent income. My current life situation is pretty intense, financially speaking, and I’m going to try and have this mindset every day until the stability arrives. Thank you for this video :)

I just couldn't finish watching, please lose the background music.

Love this video. Very different than a lot of videos from ynab channel. Ynab is just a mirror to be able to talk to yourself in the future and to ask you each time you want to spend if you are in the right direction to where you want to go. And it's really hard to tell you a lie about yourself right in front of a mirror. The problem is people just put a blanket on the mirror like a cat putting his head under a pillow and thinking because he not see you, you are not see him. People who say ynab don't works are just not really to change their habits. That requires a lot of willpower in the Amazon single one click buy where we live :D

Click bait title- because you do not proof why the platform is not working in the content, but instead you guide users to use it as it is designed…. For me doing research on choosing or not this YNAB platform for future use, you took my time not delivering what you have promised in the title. 😔

Very timely, I was just thinking today that YNAB isn't working for me and I was going to cancel it. I've been struggling to see it as what it is and have been using it solely as a tracking system....

Great video. I found the background music distracting however.

I’ve had YNAB for a very long time. Still have my YNAB 4 key. The problem is that it has become too time consuming. I’m in the legal field, take care of both of my parents and my family, so pencil and paper could work for me at this point. I found my bank imports to be inaccurate time and time again and I didn’t have time to input everything manually. My finances are pretty simple tho. I found more value from working more, working on my business, cash envelopes than tracking my expenses in any app. I still use YNAB everyday though, but I use credit unions and some are not supported on YNAB, so my budget has had to have many workarounds.

Can you recommend how to use ynab principles without purchasing a monthly subscription?

My biggest issue is that I have to reconcile everyday. I missed two weeks on vacation and just frustrated. Not sure I will renew it for another year.

But then there are people like myself that has been using it for over a year and love it. I manually enter everything. This is about accountability and spending habits

I’m really trying to focus on the words but the background music is filling my head with images of being locked in a room trying to open the doors to escape as an evil person at a keyboard is just driving me mad playing the same three notes over and over.

I liked YNAB but never really got an understanding of how credit cards worked with the software. I got frustrated and gave up. Sadly, my finances are in a pretty precarious state rn and I want to try ynab again but have reservations because I just can’t wrap my head around how I will manage credit cards if I do. 😢

YNAB doesn’t work as an app. The framework is perfect. The app is too labor intense requiring way more involvement from its user. This can turn people off. It’s a shame because the envelope method/zero budget works for most people.

I’m still trying to understand YNAB and I’ve been using it for many months lol but I like it… I just don’t keep as well track of certain bills with it for some reason (I had an excel sheet before and I’ve started going back to it )

Can't watch due to background music.

What would you recommend for people who want a budget program with great TRACKING capabilities. That’s what I need for sure!

This is an awesome video! I love the mindset you present towards YNAB and why it is important. Trackers are reactive and too late because the money is already spent. I was using Mint on and off for a year or so and got really frustrated because it either isn't designed for forward thinking, tying out budgets with income or I didn't know how to use it properly. I am grateful it is shut down and I am guided to use YNAB, which looks to do what I really need. Thank you!

I don't get it. I keep trying to figure it out, and I've watched numerous videos.

What I do t understand is why don’t banks just incorporate YNAB like framework into their web apps

For people with disability on disability income? Are used to be able to work and make a lot of money in the world and the last 10 years have been really hard. Everything is getting more expensive cost of what I need to take care of my body’s getting more expensive & my income is not keeping up . Have you seen it work for folks in the situation? Thanks.

I would love to listen to this video but the background music is incredibly distracting.

Great video. Why not called aged money what it is, which is savings? I am not trying to be critical. I am just confused as to why you seem to be making this harder than it has to be?

What are your tips when you feel a sting of pain when you can't buy something because you're saving. That's a major concern of mine. The sting is gonna be tough

The music is incredibly distracting…

I'm stuck on the lack of future planning available, evidently in the app. We're choosing between YNAB and Everydollar and I want to want YNAB - but not being able to project 2-3 budgets forward seems bonkers to me. What's the up side? I think this is a deal breaker for me.

I’ve find this message to be quite valuable, but the background music is driving me bonkers. It’s super distracting. I will try to continue watching for the message because you were saying some important things and I’m stuck at a crossroads with YNAB but I really wish the Music would go away.

Laughing at these comments! People must hate classical or jazz music. I found it soothing, more spa like actually. I"m trying YNAB for the first time today. I sincerely hope it helps our overspending.

How do I keep track of my expenses so that I know how much to assign to each envelope? Is there something which will automatically track my spending so that I will know how much I need for each expense? It's too much effort for me to track everything manually.

There is nothing wrong with the music it's very relaxing

Appreciate this video. I've used it for years but ever since I set up MFA on my banks, ynab is always behind, requires multiple logins and has becoming cumbersome. I think overcoming this barrier would help

Very late on this thread, but is there an option that lets you do budgeting and tracking? I want to avoid having 2 solutions to manage and don't sync with each other.

I'm still not able to figure it out especially with multiple accounts

+1 about removing that background music. It was hard to focus on your content.

I just tried last night to be use ynab and it was so complicated and confusing I am going too. Change to a normal system where y have all money in 🏦

Great video, well explained. Thank you.

I have been paying it monthly and i eventually use it as tracker because I dont understand correctly how to use it. So frustrating!

it does work. it has worked for tons of people lol

Absolutely loved your content in this video.

More accurate title of this video: "Why YNAB doesn't work for you"

Such a clickbait title

I used YNAB for personal and business from their beginning. But like most companies they stopped caring about helping people and became more focused on their profits. So sad.

14.99/month!!!