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Welcome!  
What You'll Learn Today:  
What It Feels Like to Get Ahead on Your Bills  
Hey there,  
I want you to imagine it’s a few months from now and it’s the first day of the month.  
You open up  
your budget and every single category is already completely funded.  
That means every dollar you earn this month will go towards next month’s budget.  
You will literally  
have a month’s worth of cash in your bank account.  
You could go 30 days without getting paid and  
still feel secure financially. Congrats, this is freedom!  
It doesn’t happen all at once, and it definitely doesn’t happen by accident.  
In fact, it takes some  
dedication and intention.  
This month, see if you can take some of the money you earn and  
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put it  
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towards next month’s bills  
dot  When more money arrives, push it ahead a little further.  
Keep going  
until you’re no longer timing your bills to paychecks.  
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See what this looked like for Oscar and Jamie.  
How old should your money be? It’s up to you.  
Work your way up to 30 days and then see how you  
feel.  
If you have a highly variable income you might feel more secure with an age of money of 60 or  
90 days. The bottom line the choice is yours.  
That’s because YOU are always in control of your  
budget!  
Happy budgeting,  
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Teacher at YNAB  
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Kelly from YNAB  
  
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