![]() Rule 4: Learn to live on last month's income.Where other software packages tend to be the products of years of feature creep, YNAB offers you exactly what you need: a simple, straightforward system to manage your money. These Four Rules will help you break the paycheck to paycheck cycle, get out of debt, and save more money. The software is built around Four Rules of Cash Flow. Today, the YNAB software includes apps for Android, iOS and even Alexa. Money was tight, so Jesse developed a money plan to help them stay on track despite their limited income. Jesse and his wife, Julie, were college students who had recently married. Experience has shown that when your budget is intact, and functioning correctly, everything else takes care of itself (the bills are paid on time, retirement contributions are made, and unnecessary debt is eliminated). YNAB stands for You Need A Budget and is a budgeting tool that was created by Jesse Mecham. The software focuses you on the foundation of your finances: the Budget. Praised across the Internet as hands-down the "best budgeting software", You Need A Budget (YNAB) cuts to the chase with your finances.
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