Ben and Ernie share their different strategies for applying Rule Four -- aging your money -- and specifically budgeting for the month ahead. Ben budgets for the next month in real time, allocating paychecks to categories in the next month on the calendar. Ernie, on the other hand, uses a holding category to park dollars that will be applied to the next month, and waits until the beginning of the month to actually allocate thoses dollars. They debate the pros and cons to each approach, and discuss some hybrid approaches that might be the best of both worlds!

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Timestamps:
0:00 Intro
0:15 Getting into the Month Ahead weeds
3:28 Ben and Ernie's different approaches to the month ahead
6:58 Holding Category Pros
23:46 Holding Category Cons
26:00 In the Future Pros
34:15 In the Future Cons
40:09 Did Ernie change Ben's mind?
41:49 YNAB Wins

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