YNAB Budget Audit: Fixing Variable Income and Credit Card Float

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David is a 26-year-old sales rep with a variable commission income. He came into this coaching call feeling like YNAB didn't make any sense. Once we dug into his budget, we found the real problem: he was aggressively saving and investing while unknowingly relying on the credit card float to fund everyday spending.

In this session, we clean up his YNAB, build realistic spending targets, create a plan for his variable income, and start preparing financially for marriage. Most importantly, David learns how to use his YNAB categories to make spending decisions that are more aligned with his values.

▶️ Chapters:

0:00 Intro
1:21 Reconciling David’s accounts
3:13 Cleaning up categories & targets
8:00 Fixing eating out & date night spending
12:01 Planning for irregular expenses & trips
19:31 Budgeting to get married
22:54 Why YNAB doesn’t match your bank accounts
31:39 The credit card float
41:17 Two ways to get off the credit card float
45:19 Making YNAB your “source of truth”
50:20 Budgeting with variable commission income
57:14 David’s homework & next steps

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My Website: https://mappedoutmoney.com/
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