Four Rules for Less Money Stress

Learn how to take total control of your finances!
Free tutorial
Rating: 4.6 out of 5 (7 ratings)
1,023 students
58min of on-demand video
English [Auto]

Learn how to budget using the YNAB Method
Learn how to plan for unexpected expenses
Learn how to adapt your money plan as circumstances and priorities change
Learn how to break the paycheck to paycheck cycle
Learn the difference between forecasting and budgeting


  • No requirements needed. This course is open to all!


This course will teach you the Four Rules which make up the basis of the YNAB Method, a framework for handling money that has helped hundreds of thousands of people take control of their money, pay off debt, and live the life they want. The Four Rules are: 

  • Rule One: Give Every Dollar a Job

  • Rule Two: Embrace Your True Expenses

  • Rule Three: Roll with the Punches

  • Rule Four: Age Your Money

These Four Rules will help you transform your relationship with money. You'll learn how to prioritize your spending and saving, prepare for unpredictable non-monthly expenses, change your plan when your circumstances or priorities change, and increase the amount of time between earning and spending so you can have more breathing room and space for better decisions.

The Four Rules is the basis for the money management method behind the YNAB budgeting software. Thousands have used this software and this method to transform their money mindset. But you can apply these principles anywhere!

This course also covers other personal finance topics such as:

  • The difference between forecasting future income and budgeting money you have right now.

  • How to determine what is most important to you when it comes to spending and saving money.

  • How to challenge your assumptions about money.

  • How to live with fewer money emergencies.

  • How to remove guilt from your spending and make changes to your plan when your priorities change.

Who this course is for:

  • Anyone who wants to learn to be more intentional with their money


Senior Educator at YNAB
Ben Barlowe
  • 4.6 Instructor Rating
  • 24 Reviews
  • 1,614 Students
  • 2 Courses

I've been an educator at YNAB since 2016. I love helping people learn to love the way they spend money and have more peace of mind around their finances. At YNAB, we teach Four Rules to help people take total control of their money! We've also developed world-class budgeting software based on the Four Rules.

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