Interview with a YNAB super-user
You Need A Budget, an incredibly flexible and easy-to-use software application, started as an excel spreadsheet. Steve Mudie remembers those days as he started using it back in the early days of YNAB.

After filing for bankruptcy, Steve Mudie discovered Dave Ramsey. He realized the importance of keeping to a budget and tried a number of budget systems but never "got it" until he heard YNAB's 4 rules.

At that point Steve frequented the forums and helped other users until he was hired as YNAB's Customer Happiness Guru.  He granted me an interview and we pull the winner's name from the YNAB for Christmas giveaway.
Question Steve Mudie answered:

You were a user before ever going to work for YNAB. How did that come to be?

What makes YNAB different from other budget programs or an excel spreadsheet?

When do you find yourself entering transactions into YNAB? Do you use the mobile app?

It's a pain to reconcile bank statements. Do you still important to reconcile bank statements?

If someone is still using their plastic crutches (credit cards), how do they manage that within YNAB?

You are intricately involved with YNAB users, what is the #1 thing a new user should know before starting to use YNAB?

To get YOUR questions answered, visit You Need A Budget.com/Support. You'll probably get an answer from Steve Mudie.

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Did you hear? There was another huge lottery. Yep. PowerBall, about $550 million.

The odds of winning a PowerBall Lottery

80% of players don't choose their own Powerball number
You are 25 times more likely to win an Academy Award
You are 3 times more likely to die from a falling coconut!
You are 7 times more likely to die from fireworks
Skip Garibaldi, a professor of mathematics at Emory University in Atlanta was quoted as saying you are "way more likely to die from flesh-eating bacteria"
Garibaldi notes that even the best physicians, equipped with the most up-to-date equipment, can't predict the timing of a child's birth with much accuracy. "But let's suppose, however, that your doctor managed to predict the day, the hour, the minute and the second your baby would be born," Garibaldi says. The doctor's uncanny prediction would be "at least 100 times" more likely than your winning a PowerBall drawing.

Well…. I did it again. I spent my lottery money on my Roth IRA. I think my odds of becoming a millionaire before retirement are really good!

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