um, ever? And while it's exciting, there's no real gimmick here. I'm feeling intentional rather than hopeful about my money for the first time. This book reinforces what feels like an a-ha moment with the YNAB method, and is coupled with clean and clear writing and lots of personal examples from the author's own and others' lives. Something would always come up and I'd be back where I started. I've not been terrible with money -always paying bills on time and paying more than required on most debts, but I've not really gotten off the hamster wheel either. I ordered this book right away, and it keeps clicking. It was confusing at first (as you don't budget money until you have it: so not counting my paycheck or my mortgage payment that *will* happen yet this month didn't make sense at first) but then it just sort of clicked. I've not been terrible with money -always paying bills on time and paying more than required on most deb Someone suggested YNAB in a FB feed I happened to see a few days ago, and so I poked around on the website/app for a bit. Someone suggested YNAB in a FB feed I happened to see a few days ago, and so I poked around on the website/app for a bit. I liked it and I'll keep it handy in my personal finance library. The audiobook was well narrated and it's a quick read (about 5 hours total in audio form). The book meanders a little from its central discussions from time to time, but I liked the overarching information I gathered from it. The information in this book you could essentially find on the program's website, but it does add a few (namely examples) new discussions to the mix. It's a good system and the author gives plenty of examples of how it has worked for his family as well as others who've used this system. "age your money" - keeping ahead of your expenses by allowing the money you've saved in advance can be used for current/future expenses. "roll with the punches" - meaning you're flexible and allow assessment with your spending, and 4. Whether you use a program, app or pen and paper/Excel spreadsheet, this book claims that the system it proposes works for all those methods and then some. Tangent aside, this was an easy to follow audiobook, with a clearly delineated 4-step approach to budgeting. trying to buy a house, save for retirement, etc.) along those lines, what references can I grab?" Enter this book, then I realized the name matched the program. I figured "I've been reading a number of personal finance books lately since the work I'm doing also relates to financial matters and I'm making decisions (i.e. I didn't connect the two until learning about this book from a Daily Deal on Audible. The "You Need A Budget" mentioned here is indeed the same system that's featured from the program/app of the same name. Quick review for a quick read: this ended up being a personal finance read that I picked up without really knowing the backstory to it. I figured "I've been reading a number of personal finance books lately since the work I'm doing also relates to financial matters and I'm making decisions (i.
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