YNAB is more of a system than an app. They like to say they’re an education company that offers a free app. We use the app to help arrange our money, but really, you could do it in a spreadsheet if you were so inclined. Apps like Mint tell you what you already spent your money on, but YNAB helps you plan what you…

YNAB can still help you—it really is very effective at managing priorities under hard conditions. But your circumstances are definitely much tougher than hers. Don’t throw this advice out entirely. You might not be able to accumulate enough money to retire by 40, but you might find it a little easier to get by each…

You can’t, really. YNAB will probably help you set priorities, but there’s a certain floor for how much money you need for this stuff to be effective. YNAB is effectively a way to manage your SPARE money after essentials. Nobody should make as little as $24k doing full-time work. It’s criminal that minimum wage laws…

YNAB really changed the game for our household too. We buy the stuff that we really want, save a lot more money, and we’ve been able to weather two major, unexpected costs (sick cat and major dental surgery) while still paying off some debt and making savings. We talked to our bank guy the other day and did a…

Okay, so I worked on Jade Empire and the sequel. The sequel was an amazing story—it was basically the modern time period in the Jade Empire world. I’m slowly losing the details in my memory, but I was excited for the game.