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It's a good read and I enjoy Jesse's writing style but the examples used in the book are people who make lots of money, those examples don't speak to a low wage earner struggling to make ends meet. I skipped whole sections talking about Alex spending $480 a month eating out, which means he earns considerably more. Alex then goes on to talk about how he doesn't need the next four paychecks after ynab... Who is this guy? Jesse does have a small section, a few paragraphs that say budgeting is not just for the super rich. Then goes on to talk about another well to do couple in northern California. I don't want to be too harsh but for low wage workers these people are just plain bad with money. I don't think ynab is for you if you don't earn a reasonable income. Jesse says it doesn't matter if you make 1000 a month or 10,000 but all the examples show otherwise.
Still I recommend ynab to people who are stable and need direction with their finances, but you need finances for this thing to work.
After several attempts to use this YNAB program, I give up! The book did not help. It was more about the ideology of budgeting, NOT a guide to use the software. I can say that there are lots of free classes thru Webinar that are interactive. They have great people to help you with questions. I just don't get it. Tried unsuccessfully for several years. Bottom line, this book is more "why" and not "how."
You are simply paying for a story. Great product but, everything that is said in the advertising is said in the book along with stories to pull you along. You can get this free to read from your local library. Not worth buying.
Same old tired info. Get on a budget. Stay out of debt. Nothing new here. If you have read Dave Ramsey's books then this author has nothing new to add. He doesn't give investment advice. He doesn't really say anything much useful except that he and his wife have six kids and with a budget his wife is able to stay at home. At one point his budget would not even let him spend .50 cents on a donut! Ok does that qualify you to write a book? I wish I had my money back. Better to buy Susie Orman, Dave Ramsey or Tony Robbins' books on money.