Welcome back to CoastFI Couple! In today’s episode, Yana and Matt dive into the stress-free way they manage money together—without spreadsheets, end-of-month surprises, or budgeting guilt.They share how Qube Money, a revolutionary budgeting app linked to a card, transformed their finances by giving them real-time control, effortless automation, and complete peace of mind. Learn how they set up Spending, Bill, and Goal Qubes to prevent overspending, eliminate reconciliation headaches, and stop fraud before it happens—all while keeping budgeting simple and guilt-free for both spouses.Plus, hear real-life stories of how Qube Money has helped them save smarter, avoid sneaky vendor charges, and make big financial decisions with confidence.If you’ve ever struggled to stick to a budget or wished for an easier way to manage money as a couple, this episode is for you!Timestamped overview:00:00 Building an Anxiety-Free Budget01:04 Intro and Qube Money01:56 You Automate Savings—Why Not Automate Your Spending?03:21 Why Living from a Spreadsheet Didn’t Work05:00 The Right Tool to Make It to FIRE07:20 Not Having Control of Your Expenses Slows You Down and Increases Stress08:24 Increasing Your Savings Rate Is Easier When You Have the Right Tool09:36 YNAB vs. Qube Money—From a Couple’s Point of View13:15 How Qube Money Works19:00 How We Incorporated Qube Money Into Our Financial Plan19:55 Our Stress-Free Money Tree22:56 Using Goal Qubes for Travel and Stress-Free Christmas Planning24:56 Date Nights—Now Automatically Prioritized26:24 Make Spending Guilt-Free—Even for Tightwads!27:15 Stop Stressing About Money—Go Live Your Life!28:10 A Good Budget Should Do 3 Things30:55 Why Qube Money Gave Us the Confidence to CoastFI33:01 Unrivaled Fraud Prevention… With a Debit Card!36:16 Our Spending Qubes—What We See and Use Every Day39:36 Quitting a Job and Using Qube to Stay on Track41:36 How to Hack Your Bills (Meal Plans and Gym Memberships)47:35 Our Goal Qubes and HSA Tracking51:20 Concluding Thoughts and Final AdviceTOOLS WE LOVE AND USE Budgeting: Qube Money - Use code “COAST” to get 2-months off the Premium or Family plan when you create an account. Net Worth Tracking: Empower Personal Dashboard Coast FIRE Calculator: BackofNapkin.co HSA Expense Tracking: HSA Expense Tracker CONNECT WITH US: Website: https://coastficouple.com Instagram: @coastficouple Contact us:
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