YNAB Rule 3: Roll with the punches

Best-laid plans rarely survive contact with reality, but getting your budget to reflect reality is where the clarity comes from. 

Tyler and Steve have both had aspirationally-too-small budgets for groceries and eating out. What to do? 

Rule 3 empowers you to get your budget to show what's actually happening and align the way you spend your money with the things you actually, truly value. 

  • (00:00) - Dogs and their exercise
  • (03:39) - Where contact sports intersect with personal finance
  • (06:11) - Underestimating groceries
  • (10:17) - Reflecting reality is the goal
  • (13:48) - Your priorities change all the time
  • (18:12) - Where is the money going to come from?
  • (19:51) - Can you roll with the punches too much?
  • (22:05) - Conscious tradeoffs
  • (23:50) - "Recent moves" feature
  • (27:31) - Modifying behavior, not just changing a number
  • (30:29) - Honesty and alignment

Steve Nay: 

Tyler Smith: 

Creators and Guests

Steve Nay
Steve Nay
Strategic tax advisor for solopreneurs. Enrolled Agent; Owner of Daybreak Tax LLC
Tyler Smith
Tyler Smith
Financial coach for working professionals
YNAB Rule 3: Roll with the punches
Broadcast by