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Hello from Coach Joe

Joe Ahrens is a retired educator with 28 years of experience as a teacher, assistant principal, principal, and assistant superintendent.  He has been using YNAB since 2014.  His unique experience of teaching, coaching leaders, and years of experience with YNAB is exactly what you need to take your budgeting game to the next level. Over the past decade, he has led over 2,000 coaching conversations about leadership and budgeting.

He lives in suburban Atlanta with his wife and four amazing boys ranging in age from 24 to five!  

My YNAB Story

In 2014, I was at the bottom of a terrible hole.  Even though I was making a six-figure salary, I had $45,000 of credit card debt and a car loan of $42,000.  I was working for my money.  I would wake up in the middle of the night worried that I had no choice but to go into deeper credit card debt.  I would look at my bank account daily and wonder if I would ever get out of this hole.


I found my rope when I stumbled upon an application looking to replace Quicken on my Apple computer.  My rope, You Need a Budget (YNAB), changed my life forever.  Being consistent in following YNAB's Four Rules taught me to let my money work for me, helped me prepare for planned and unplanned expenses, and that a budget was not rigid but my best guess and should be adjusted when life happens.   After a few years of following YNAB's Four Rules, I was out of debt, and now this month's paycheck will pay for a future month's bills.  I don't wake up in the middle of the night stressed about money, and I never worry about my bank account balance.  I was able to retire comfortably at 49 years of age and start this coaching career. 

As a certified YNAB coach, I can help you gain control and make your money work for you. 

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