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So what does that mean? I have a category called investment. your budget is a description of your plan for your money today. I'll tell you some if the things I do as a multi year YNAB user but let you make your own choices.Īs always. This is an interesting question and really speaks to a couple of different answers all in line with YNAB philosophy but sometimes hard to get your head around. When 5 years is up, I may decide to buy a bike instead ) Another reason I'm asking is because this basically also affects will I track my savings account as a Budget (actively save for something) or a Tracking (just save and manage assets risk) account. One reason is to manage risk across assets, but other is that I may want to renovate my kitchen in 5 years, but it's not something I want to actively save for, because I may or may not use the money for a kitchen.

But I don't have anything specific I would like to save for, but on the other hand, I still want to keep a certain % of my assets in cash. Instead of having a 'generic' cash account, you should budget every dollar. Now being 6 months a YNAB user, this thinking doesn't really fit-in to the YNAB philosophy. I guess this is how people typically handle their budgets. I then stop investing in Stocks and add monthly to my Cash account, until I have attained again my target % balance between cash and investments. If I suddenly want to buy some new furniture or do a bigger renovation at home, I take the required amount from my Cash. I typically have x % of my assets in stocks, and x % in bonds + cash.

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