YNAB is a budgeting application focused on budgeting existing money, not money that has not been obtained yet. The 4 rules of YNAB are a strategy guide in that framework for [[Budget|budgeting]] money. - Give Every Dollar a Job. - Embrace Your True Expenses. - Roll With the Punches. - Age Your Money. ## Give Every Dollar a Job This is [[Zero Balanced Budgetting]] in action. Giving every dollar a job is super important because money without jobs is useless to you. This is not the same as savings. ## Embrace your True Expenses These are traditionally called [[Sinking Funds]]. Sinking Funds just have money put into them each month to spread out the cost. Simple! These become your savings. ## Roll with the punches This just means moving money between categories as you need to. Don't have a static budget! ## Age your money This really just means "spend less then you make". Make money last longer for you --- # References