Spendfulness and YNAB’s
Five Questions

Spendfulness: a state of alignment between how you spend your money and the life you want to live; thoughtful spending.

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The YNAB Method: Give Every Dollar a Job.

YNAB's Five Questions guide you in the practice of
giving every dollar a job:

  • 💚 REALITY: What does this money need to do before I’m paid again? 

  • 💚 STABILITY: What larger, less frequent spending do I need to prepare for?

  • 💚 RESILIENCE: What can I set aside for next month’s spending?

  • 💚 CREATION: What goals, large or small, do I want to prioritize?

  • 💚 FLEXIBILITY: What changes do I need to make, if any?

Each of these questions has a different focus; you’ll move fluidly between them throughout your life as circumstances change, but spendfulness is available to you the moment you begin.

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