The first rule of YNAB: give every dollar a job. This rule is so, so very important that we built our whole budgeting philosophy on it. So then why do we dump all our savings dollars all together into one "savings" category and call it a day? Kick back with Hannah as she shares how to think about our savings dollars, how we incorporate them into our budget, and how we can protect our savings dollars to reach our goals sooner.

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TIMESTAMPS:
0:00 Intro
0:14 What's the purpose of our savings account?
0:58 Savings isn't an "account," it's our goals
1:27 All of our dollars are savings dollars
2:00 A common budgeting mistake
2:42 Banks accounts vs. budget categories
3:13 What is a budget?
3:58 [Step 1]: Add savings goals to your budget
4:35 [Step 2]: Add targets to savings goals
4:54 Targets ensure you reach your goals
5:45 Dollars by location vs. dollars by job
6:45 [Step 3]: Add savings accounts
7:18 Why not just create a "savings" category?
8:08 [Step 4]: Fund your goals
9:23 Budgeting for specific goals protects your dollars
11:07 Condense your savings accounts
14:06 Outro
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