Beste Ernie Davis podcaster (2024)

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#98 - Many Goals, One Plan 33:04

10d ago33:04

33:04

One of the interesting parts of working at YNAB is you get to observe human behavior related to personal finance. As Ben and Ernie have noticed over the years, YNAB'ers tend not only to reach their financial goals -- such as paying off debt or saving for a big purchase -- but also complete a number of other goals at the same time. There's something…

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#97 - What If YNAB Paid You to Use It? And Other Sketchy Ideas from Ben Markley (Sketchy Advice) 49:27

24d ago49:27

49:27

On today's episide Ben and Ernie welcome another Ben to the show -- Ben Markley, host of YNAB's Sketchy Advice series on YouTube. Ben has a reputation for striking metaphors and thought provoking ideas about money and putting YNAB's principles into daily practice, and today he shares some of his favorite ideas, including: Why you should go ahead an…

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#96 - Ask the Nerds: Grab Bag Edition 51:19

1M ago51:19

51:19

Ben and Ernie get a handful of recurring questions that aren't quite big enough topics to make into their own episode, but nevertheless deserve to be answered! In today's show, they tackle some of those questions, including: What does Ben mean when he talks about the "matchy matchy game?" Helping kids learn to budget Should you have separate catego…

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#95 - Managing Variable Income as a Busy Graduate Student: Jasmin Green, PhD Student UC Davis 1:31:36

2M ago1:31:36

1:31:36

The Budget Nerds have covered the spending habits of a lot of married folks with families, but what about the single people out there? In today's episode, Ben and Ernie speak with Jasmin Green, a PhD student in the Department of Plant Sciences at UC Davis. Jasmin is an avid YNAB'er, who credits the methodology with keeping her bank account in order…

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#94 - How Does It Feel to Be a Month Ahead? Budget Nerds Weigh In 44:27

2M ago44:27

44:27

Getting a month ahead with your money is a milestone for many YNAB'ers. Being a "month ahead" means that when the first of the month hits, all your bills and expenses for that new month are already paid for -- the money for them is sitting in your bank account, and assigned to the respective categories in YNAB, waiting to cover those costs. And boy…

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#93 - Dream Bigger Than Your Bills! 35:49

3M ago35:49

35:49

Today Ben and Ernie are joined by returning guest and YNAB Lead Educator, Erin Lowell, who posed the idea of thinking bigger with your money. Many people come to YNAB seeking a way to escape the paycheck to paycheck cycle, pay down debt, build an emergency fund, and reduce their stress and anxiety around money. These are wonderful goals! However Er…

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#92 - Are You Doing YNAB? Tracking Expenses vs YNABing 37:22

3M ago37:22

37:22

It's a common story: a person finds YNAB and starts using the software, only realize months (sometimes years) down the road that they weren't actually following the YNAB method. They were just tracking expenses using YNAB's software. Tracking expenses is not a bad thing -- tracking brings awareness of your spending habits and where your money and e…

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#91 - Windfalls, Learning to Invest, and YNAB 4: Jeremy Schneider of Personal Finance Club 1:09:42

4M ago1:09:42

1:09:42

Ben and Ernie chat with Jeremy Schneider, an entrepreneur turned personal finance teacher who aims to demystify the confusing world of investing with simple, unbiased information. In his early 20's, Jeremy founded an internet startup and ran it for 12 years, never taking home more than $36k/year -- while living in San Diego, CA! This experience req…

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#90 - YNAB Mega Wins: Round Two 1:03:04

4M ago1:03:04

1:03:04

Ben and Ernie open their inboxes for another mega round of YNAB wins -- stories from YNAB users about positive outcomes, reduced stress, and newfound confidence with their money. In today's mega episode, they have broken up the wins into several themes: Partner wins Gaining control Getting a month ahead Paying down debt Clarity Stress reduction Bui…

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#89 - Find the Money First 35:56

5M ago35:56

35:56

YNAB is well known for the Four Rules, or what many YNAB'ers are now calling the Four Habits, which describe the process of gaining control of your money and learning to spend with joy rather than shame or regret. The Four Rules are: Give every dollar a job Embrace your true expenses Roll with the punches Age your money In today's episode, Ben and …

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#88 - Swim Fins and Why You Shouldn't Compare Yourself to Others 35:36

5M ago35:36

35:36

In today's episode, Ben shares a story about swimming at the YMCA. One of Ben's favorite forms of exercise is swimming laps at his local YMCA, and while it's a great solitary form of exercise, sometimes you can't help but notice how your pace compares to others in the pool. One day Ben started swimming laps only to notice an older lady absolutely h…

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#87 - Stop Making Boring Financial Goals 44:52

5M ago44:52

44:52

Ben and Ernie respond to a recent survey reported by Jill Schlesinger on CBS Morning about American's 2024 financial resolutions. The top responses: save more money (41%), pay down debt (38%), and spend less (30%). BORING! Ben rants about why "spending less money" is not a good financial plan, and Ernie highlights the importance of putting a why be…

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#86 - Cash Categories vs Cash Accounts 40:13

6M ago40:13

40:13

In today's episode, Ben and Ernie discuss what to do with cold, hard cash money. For many YNAB'ers debit and credit card spending fits nicely into the YNAB paradigm, since YNAB can interface directly with financial institutions and pull online banking data. Cash transactions, on the other hand, can create a stumbling block since they exist outside …

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#85 - Do I Have to Give EVERY Dollar A Job? 43:06

6M ago43:06

43:06

The short answer is yes. But why? Ben and Ernie dig into the reasons why giving every dollar a job is essential to creating a stress-free life around money. As Ben explains, the point of YNAB is to ruthlessly root out self-delusion, and be honest about both what you want your money to do for you and what tradeoffs you will have to make to accomplis…

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#84 - How I Learned to Stop Worrying and Love My Unexpected Expenses 43:12

7M ago43:12

43:12

Rule Two of YNAB's Four Rules is "embrace your true expenses." True expenses are expenses that may not be regular, but are a normal part of life: new tires, HVAC repairs, emergency doctor visits. Sometimes they are expected -- every car and house will need repairs eventually -- and sometimes they are unexpected, like a trip to the emergency room. A…

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#83 - Kath Eats: An Interview with Nutrition Blogger Kath Younger, RD 1:15:02

7M ago1:15:02

1:15:02

Ben and Ernie invite Kath Younger, Registered Dietitian and popular nutrition and wellness blogger, onto the show to discuss how her health journey led her to seek financial health and wellness. Kath started her blog katheats.com in 2007 to record her experiences exploring healthy foods and healthier eating habits, and has now expanded to cover nat…

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#82 - YNAB's Four... Habits? 46:47

8M ago46:47

46:47

Behind every rule, there's a habit. In today's episode, Ben and Ernie explore YNAB's Four Rules, but in the context of the habits they build. After all, budgeting well is not so much about following (or breaking) hard rules, but rather consistently following certain habits, to help you plan and make better tradeoffs with your money. Share your YNAB…

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#81 - YNAB Wins Mega Episode 32:34

8M ago32:34

32:34

Through 80 episodes (and counting!), passionate YNAB'ers have been sharing their personal finance wins, big and small, with Ben and Ernie. Whether it's paying off debt, handling an emergency expense, or simply feeling more relaxed and at peace about money, we cherish each win and love to put a spotlight on them all. In today's episode, Ben and Erni…

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#80 - There's No Such Thing As Saving Money 39:39

9M ago39:39

39:39

What if... saving money wasn't actually a thing? Crazy, right?! Well, if you subscribe to YNAB's philosophy -- the Four Rules -- then money is properly understand as a spending tool. The whole point of money, and your budget, is to plan how to spend your money. Savings is really just money that you plan to spend later, whether it's three days later…

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BONUS - Live Q&A on YouTube (11/29/2023) 1:06:39

10M ago1:06:39

1:06:39

Ben and Ernie went live on YouTube on November 29, 2023 to answer questions, share their budgets, and nerd out about YNAB. This bonus episode is a rebroadcast of the YouTube live, which you can find by following the link to the YouTube channel below. Link to Q&A on YouTube: https://www.youtube.com/live/BR8-jcK-9xA?si=Ied1f-fgnHTjF9G8 Share your YNA…

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#79 - ANNOUNCEMENT! Live Q&A Today at 3:00pm EST (Nov 29th, 2023) 2:12

10M ago2:12

2:12

Set your reminders, Ben are Ernie are going live on the YouTube channel today at 3:00pm EST. They'll be answering your questions and getting nerdy about finances, so join in! If you are tuning in after the Q&A, you can still watch the replay -- just go to the Budget Nerds YouTube channel in the link below. If you want to send them a question to ans…

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#78 - Are Impulse Purchases Wrecking Your Finances? A YNAB Study Finds Out 37:52

10M ago37:52

37:52

Everyone spends on impulse from time to time, even the most staunch adherents to frugality. According to a new study funded by YNAB, 94% of Americans admit to impulse spending. It's common nowadays to "treat yo'self" after a hard day, for instance. But is impulse spending a bad thing? Not necessarily! If your spending is aligned with your values an…

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#77 - Are You On the Credit Card Float? Credit Card Alerts Can Help 39:52

11M ago39:52

39:52

The credit card float, as it has been termed, is the situation in which a person is reliant on the month-long grace period of the credit card to meet their obligations. In other words, they spend money now with a credit card, which they pay off later when their paycheck comes in. A person in this situation may pay off their card in full each month …

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#76 - The Most Elegant Budget We've Ever Seen? An Interview with Budget Nerd Lee Bond 1:25:33

11M ago1:25:33

1:25:33

As the principal budget nerds at YNAB, Ben and Ernie have seen their fair share of elegant budgets, but the one featured in today's episode might take the cake for the most refined of all time! Long time YNAB'er and bona fide budget nerd Lee Bond joins the podcast to discuss his history of using YNAB, his category structures, his unique use of "tra…

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#75 - The Ultimate Guide to Targets in YNAB 57:05

12M ago57:05

57:05

Forecasting is kind of a dirty word at YNAB, because the Four Rule are all about budgeting the dollars you have now, and not counting on future dollars that haven't arrived yet. However, it's still useful to plan for future expenses, and understand how the timing of those expenses will affect how much money you need to set aside each month to cover…

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#74 - The Unexpected Benefits of Budgeting 38:25

12M ago38:25

38:25

Ben and Ernie share insightful comments from a recent conversation in the YNAB Fans Group on Facebook in which one YNAB'er asked: what's one benefit to using YNAB that surprised you? YNAB is of course all about getting your money straight, but the reality is that when you get your money right, other aspects of life tend to follow suit. After all, g…

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Chicago, Ads and more w/ Andy & Jody 56:18

1y ago56:18

56:18

Comedian Andy Gunnin and Jody Cieutat of Midget Mafia OG & Tik Tok talk about Andys trip to Chicago meeting the Pizza Professor and more. Andy Webiste / Merch Store: https://www.andygunnin.com/ Midget Mafia OG : https://midgetmafia.us/ Fat Thor IG: https://www.instagram.com/fatthorpodcast/ Please Follow Share & Give us a 5 Stars....We need YOUR hel…

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#73 - Saving Dollars? Sure, But How About Saving Time! 49:55

1y ago49:55

49:55

YNAB is all about giving dollars a job, but what about your time? Ben and Ernie poke at the edges of common budgeting practices in YNAB to determine what is really necessary, and what can be thrown out in the name of efficiency and time management. It's a fun exercise -- and often insightful -- to take practices or "rules" that you take for granted…

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#72 - Paying Off the Mortgage: Erin Walks Through How She Did It 42:37

1y ago42:37

42:37

Long time YNAB'er and Lead Educator at YNAB, Erin Lowell, shares her experience paying off her mortgage using YNAB principles. Mortgage Professor loan calculator http://www.mtgprofessor.com/ext/home2.aspx Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-c…

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#71 - Inside the Categories with Budget Nerd Gabi Bradley 53:09

1y ago53:09

53:09

Ben and Ernie interview fellow budget nerd and YNAB power user Gabi Bradley. Gabi is a busy mom balancing work, family, and changing financial obligations (including daycare!). She shares her unique category structure, which she assembled using various strategies outlined on Heard It from Hannah and Budget Nerds, and how her family uses the budget …

1
Talking about stuff...... 56:59

1y ago56:59

56:59

Join Comedian Andy Gunnin and Jody Cieutat of Midget Mafia OG & Tik Tok. #fyp #podcast #viral #funny #comedian Merch Store Website : https://www.andygunnin.com/ Jody / Modget Mafia : https://midgetmafia.us/ Please Follow Share & Give us a 5 Stars....We need YOUR help to grow.Av Andy Gunnin

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Andy is off the Road and solo on this episode!! 32:29

1y ago32:29

32:29

Join Comedian Andy Gunnin as he talks about being on the road and what's happening this week in comedy and our country. #fyp #comedy #fun website / Merch: https://www.andygunnin.com/ Andy's Social links and dates: https://linktr.ee/andygunnin Midget Mafia OG https://midgetmafia.us/ Please Follow Share & Give us a 5 Stars....We need YOUR help to gro…

1
#70 - Focused Views: A Powerful New YNAB Feature! 35:41

1y ago35:41

35:41

Ben and Ernie discuss the exciting possibilities of a powerful new feature in YNAB called "Focused Views." Focused Views allow you to see a subset of your categories depending on what you want to learn, analyze, or review. Sometimes you just want to drill down on a particular piece of your budget to understand what's going on with your money -- lik…

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#69 - Budgeting a Month Ahead 44:28

1y ago44:28

44:28

Ben and Ernie share their different strategies for applying Rule Four -- aging your money -- and specifically budgeting for the month ahead. Ben budgets for the next month in real time, allocating paychecks to categories in the next month on the calendar. Ernie, on the other hand, uses a holding category to park dollars that will be applied to the …

1
Cruises, Waffles and more... 50:02

1y ago50:02

50:02

Join comedian Andy Gunnin and Jody Cieutat of midget mafia OG as they talk about life, working in entertainment and more. Andy Website / Merch Store https://www.andygunnin.com/ Midget Mafia OG https://midgetmafia.us/ IG: https://www.instagram.com/fatthorpodcast/ Podcast Shirts https://www.storefrontier.com/andysroom Please Follow Share & Give us a …

1
June Cruises and July 4th 55:06

1y ago55:06

55:06

Join Comedian Andy Gunnin and Jody Cieutat of Midget Mafia OG as they talk about whats going on in the news, and their world in comedy and entertainment. #fyp #viral #podcast #funny ANDY'S WEBSITE & STORE https://www.andygunnin.com/ JODY WEBSITE https://midgetmafia.us/ IG: https://www.instagram.com/fatthorpodcast/ Please Follow Share & Give us a 5 …

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#68 - Applying YNAB Principles Outside the Budget 43:28

1y ago43:28

43:28

Ben and Ernie discuss YNAB's Four Rules, and whether they can be applied to other areas of life outside the budget. As it turns out, yes they can! Whether it's Ernie's favorite pasttime (lawncare) or Ben's devotion to good systems, the Four Rules tap into some universal principles of effective resource management that can be applied to a wide range…

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Submarine, Wisconsin, Hotel Wilber and more.. 1:01:57

1y ago1:01:57

1:01:57

Join Comedian Andy Gunnin and Tik Tok star Jody Cieutat as they talk submarines, billionarie, traveling and comedy on the road. Also Andy hates Best Western #fyp #comedy #submarine #ontheroad\ Jody Webstite: https://midgetmafia.us/ Andy website: https://www.andygunnin.com/ Please Follow Share & Give us a 5 Stars....We need YOUR help to grow.…

1
#67 - 9 Ways to Master the Memo 45:29

1+ y ago45:29

45:29

Ben and Ernie return to their nerdy roots and talk memos today, all about that little field in the transactions next to the category and balance. Turns out, the memo field can be used in many clever and creative ways to add more utility and depth to your budget, whether it's tracking important purchase information such as serial numbers, or trackin…

1
Debates, Fires and more..... 1:00:54

1+ y ago1:00:54

1:00:54

Join comedian Andy Gunnin and Tik Tok star Jody Cieutat of Midget Mafia OG as they talk about canada wild fores, WEF and more. Andy Website and Merch Store: https://www.andygunnin.com/ Midget Mafia: https://midgetmafia.us/ More Merch: https://www.storefrontier.com/andysroom #fyp #podcast #viral #comedy Please Follow Share & Give us a 5 Stars....We …

1
#66 - Emergency Fund vs Month Ahead 38:11

1+ y ago38:11

38:11

YNAB is not like other budgeting methods. Rule Four is "age your money" and it encourages folks to spend last month's earnings on this month's expenses, thereby breaking the paycheck to paycheck cycle in which so many find themselves stuck. Many YNAB'ers work diligently toward getting a month ahead of their expenses, budgeting the dollars they curr…

1
Let's Catch Up with Andy & Jody 1:04:08

1+ y ago1:04:08

1:04:08

Comedian Andy Gunnin and Midget Mafia Og Jody Cieutat talk and catch up on shows on the road, Cameo and Target. Andy's Website & Merch Store: https://www.andygunnin.com/ Midget Mafia OG: https://midgetmafia.us/ Please Follow Share & Give us a 5 Stars....We need YOUR help to grow.Av Andy Gunnin

1
Andy's thoughts 1:03:31

1+ y ago1:03:31

1:03:31

Join Comedian Andy Gunnin as he talks about what's on his mind. What keeps him going. Andy's website and Merch Store: https://www.andygunnin.com/ IG: https://www.instagram.com/andygunnin/ Midget Mafia: https://midgetmafia.us/ Please Follow Share & Give us a 5 Stars....We need YOUR help to grow.Av Andy Gunnin

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#65 - Gamifying YNAB 52:56

1+ y ago52:56

52:56

Budgeting is pretty fun already... if you're a budget nerd. But what's even more fun than reconciling your account, or assigning that fresh pay check that just hit your account? Making a game out of it! Ben and Ernie discuss the various ways they have "gamified" YNAB, to have some fun with the process, to hit stretch goals, and to improve their spe…

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More in MAY 1:03:31

1+ y ago1:03:31

1:03:31

Join Comedian Andy Gunnin and Tik Tok star Jody Cieutat of Midget Mafia OG as they talk about new podcast, entrepreneur and being successful in life. Andy Website and Store: https://www.andygunnin.com/ Midget Mafia OG: https://midgetmafia.us/ #podcast #comedy #fun #fyp #follow Please Follow Share & Give us a 5 Stars....We need YOUR help to grow.…

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May 4th Be with You with Comedian Neil Rubenstein 1:08:34

1+ y ago1:08:34

1:08:34

Join comedian Andy Gunnin and Tik Tok star Jody Cieutat of Midget Mafia OG as they talk with comedian Neil Rubenstein and filming his comedy special, while raising funds to produce on his own. Click and Donate to Neil Rubenstein Comedy Special : https://gofund.me/ac9576b8 Andy IG https://www.instagram.com/andygunnin/ Jody aka Midget Mafia OG https:…

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#64 - Real Life Debt Pay Down (Without the Guilt) 41:18

1+ y ago41:18

41:18

Ben and Ernie tackle the topic of paying off debt, with a different bent than the typical personal finance podcast or blog. Where many sources focus on paying debt off at all costs, using extreme measures or simply throwing every dollar at debt, Ben and Ernie prefer a paydown approach which focuses on your priorities. What is most important in your…

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Guest Comedian of Slapstick Productions David Kaye 57:20

1+ y ago57:20

57:20

Join Comedian Andy Gunnin and Jody Cieutat of Midget Mafia as they talk with Comedian and comedy producer of Slapstick Productions David Kaye. Slap Stick Productions & David Kaye Home - Pittsburgh Comedy Club Slapsticks Productions Andy Gunnin https://www.andygunnin.com/ Midget Mafia Midget Mafia - Midgetmafiaog, Midgetmafiaog, Social Media Influen…

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BONUS: Budget With Ernie Livestream! 1:40

1+ y ago1:40

1:40

Ernie is hosting a live "Budget with Me" session on the Budget Nerds YouTube channel. Ernie will be sharing his actual budget and demonstrating his process for budgeting his April paychecks. The livestream will air on May 1, 2023 at 7:00pm Eastern here: https://www.youtube.com/live/AAAgGHPlC3k?feature=share If you missed it, you can still view the …

1
Beer, Chocolate and on the road !! 1:13:40

1+ y ago1:13:40

1:13:40

Join Comedian Andy Gunnin and Tik Tok sensation Jody Cieutat of MidgetmafiaOG as they talk about beer Bud Light, Trans Chocolate and going on the road !! Merch, Shirts and Tour Schedule (andy) https://www.andygunnin.com/ IG: https://www.instagram.com/fatthorpodcast/ Midget Mafia OG (jody): https://midgetmafia.us/ Please Follow Share & Give us a 5 S…

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