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 them when they come due. Expense timing can be complex, too -- some things hit weekly, biweekly, monthly, others hit at odd intervals like every 3 weeks or 6 months. YNAB has tools to handle these! Targets are a powerful way to organize and understand your expenses no matter how complex the timing is. Ben and Ernie dive deep into the various target types available in YNAB, and clever ways you can use them to track expenses, track debt pay down, and more. Share your YNAB wins with Ben and Ernie! [email protected] Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

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“What did the council decide on item 42?” — answered with the speaker and the moment.