115: YNAB: The Money Method that Changed My Life with Ashley Lapato of The Organized Wallet

<p>It's no secret that I am a huge fan on the money managagement software, YNAB (You Need A Budget). I've used the software for years and it has been the single most impactful tool in transforming my finances for the better. But it's so much more than just a budgeting software. YNAB is a money management method that is govered by 4 simple yet impactful rules to guide the decisions you make with money.</p> <p>I couldn't be more excited this week to dive into all things YNAB with none other than YNAB's personal finance educator, Ashley Lapato. Ashley spent years believing that she was just “bad with money” before finding YNAB, and she is now on a mission to teach others that money management is a skill - one that is never too late to learn. Ashley has earned a reputation on TikTok @TheOrganizedWallet for a refreshingly relatable approach to personal finance, which has helped hundreds of thousands learn to organize their finances and spend with confidence. In this episode together we break down what YNAB is, what makes it different from other money management systems, the 4 rules that govern the YNAB method, "little treat culture" that is taking over social media by storm, and we address the reservations you might have about trying YNAB to manage your money.</p> <p> </p> <p class="MsoNormal"><em><strong><span style= "color: #073763;">Where to find Ashley:</span></strong></em></p> <p class="MsoNormal"><span style= "color: #073763;">TikTok: <a href= "https://www.tiktok.com/@theorganizedwallet?lang=en" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=https://www.tiktok.com/@theorganizedwallet?lang%3Den&source=gmail&ust=1695146445098000&usg=AOvVaw18NHWpTf_Oh4ITYwNwITLR">@theorganizedwallet</a></span></p> <p class="MsoNormal"><span style= "color: #073763;"> </span></p> <p class="MsoNormal"><em><strong><span style="color: #073763;">YNAB Resources:</span></strong></em></p> <p class="MsoNormal"><a href= "https://ynab.com/referral/?ref=kAV4xWrdTO_ChwHH" target="_blank" rel="noopener" data-s