Dave (YNAB Dave)

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530 appearances 1 recordings 1 series first heard Jan 2025 last heard Jan 2025

Dave (YNAB Dave)’s voice in public audio — every appearance, attributed to the second.

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Budget Nerds · #108 - Spendfulness: The Word We've Been Looking For All Along with YNAB Dave · 29 Jan 2025 podcast

So suddenly meeting YNAB.

Well, that's it.

I mean, how many times, I don't know whether it's ever come up with any of your many, both of your many meetings with people, but I feel in a way there's almost a,

I want to now run a company this way just to see the difference.

I now want my local council to use YNAB.

I now want my local state slash province to use YNAB.

Why are they still doing it?

Yeah, exactly.

There was just this feeling that everybody could benefit from this no matter what.

I didn't see it as the best debt reduction tool.

It was a money management tool that fitted with the mindset with a method and education to back it up.

That was the winning formula for my conversion.

Eight to nine years for the basic.

Well, let's say six to get me out of the hole I dug myself.

Right, right.

then a little bit longer because we realised as we started to model certainly the non-monthly, the larger and the less frequent expenses, once it dawned on me that what we used to call true expenses were really actually about future debt prevention.

Yeah, it was the, you need to stop the water coming in the boat before you start bailing out the boat.

Otherwise, you're not going to get anywhere.

So suddenly there was this, you know what, this debt actually, now we've modelled it all.

The only problem is, cash flow-wise, we're doomed.

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