After you’ve given every euro a job, embraced your true expenses, and are rolling with the punches, the last step to take is ageing your hard earned money.
You need to do this so that you can live on last month’s income and thus break the paycheck-to-paycheck cycle.
Have you ever postponed paying a bill because you get your salary in a couple of days?
If so, you really need this YNAB rule number four.
This rule makes you build up a cash buffer of at least a month, so that you no longer have to float your expenses towards your salary.