The idea here is to forecast your expenses, while only allocating dollars you have right now to those expenses. Some people have taken YNAB's position to be "we don't forecast," but Rule Two is all about forecasting. Mark and Jesse continue their philosophical musings over the Four Rules by considering the essence or first principle of Rule Two - Embrace Your True Expenses. By separating the desire from the spending, you become aware of your options and are thus better equipped to make good decisions. So, Jesse instead posits that the age of money is a separation between desire for something and fulfillment of that thing.
But at some point increasing your options more and more (by accumulating more and more cash) becomes never making a decision.
In fact, if you're age of money only increased, then you have missed the entire point of budgeting, which is to spend money on the things you value!Īs Jesse puts it, age of money represents increasing options. So while an increasing age of money is a good thing, it's not the point of budgeting. You are punished for doing the very thing that budgeting is for, in a sense. When you spend money on things that you've budgeted and saved diligently for, your age of money goes down. Rule Four has evolved over the years from pay today's bills with last month's money to, simply, "age your money." But the age of money, while a useful statistic, can be confusing. Mark and Jesse set their sights on Rule Four as they contemplate the first principles, or the foundational ideas, behind YNAB's Four Rules.
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