In today's episode, Ben and Ernie discuss what to do with cold, hard cash money. For many YNAB'ers debit and credit card spending fits nicely into the YNAB paradigm, since YNAB can interface directly with financial institutions and pull online banking data. Cash transactions, on the other hand, can create a stumbling block since they exist outside the easily trackable, traceable online banking system. Some decide to just not track cash at all. Cash is money, however, and it probably should be part of your spending plan, so Ben and Ernie recommend tracking it in YNAB. It's not that hard!

There are essentially two ways to track cash in YNAB: in a "cash" category, or in a cash account (there's a special cash account type you can select in YNAB). Ben and Ernie break down the pros and cons to each approach.

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00:00 Intro
02:05 Cash as a category
06:48 Cash as an account
14:31 The Bank of Ernie
21:59 Ben rants about US currency
25:37 Cash discounts
31:21 Resolving Ben's cash account conflict
36:18 Just try it!
37:01 YNAB Wins

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