How This Grad Student Budgets with YNAB

In this episode, Emily interviews Elle Rathbun, a rising 7th-year PhD candidate in neuroscience at UCLA and repeat podcast guest. Elle explains the budgeting principles of giving every dollar a job, getting a month ahead, and sinking funds, which are bundled together in the software You Need a Budget or YNAB. She shares how she has used YNAB since she started graduate school and how it has benefited both her net worth and anxiety about money. Elle is now planning on a career transition into an MBA program and career in venture capital, a pivot that would not be possible without the nest egg she built during grad school.