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 Budget
01:04 Intro and Qube Money
01:56 You Automate Savings—Why Not Automate Your Spending?
03:21 Why Living from a Spreadsheet Didn’t Work
05:00 The Right Tool to Make It to FIRE
07:20 Not Having Control of Your Expenses Slows You Down and Increases Stress
08:24 Increasing Your Savings Rate Is Easier When You Have the Right Tool
09:36 YNAB vs. Qube Money—From a Couple’s Point of View
13:15 How Qube Money Works
19:00 How We Incorporated Qube Money Into Our Financial Plan
19:55 Our Stress-Free Money Tree
22:56 Using Goal Qubes for Travel and Stress-Free Christmas Planning
24:56 Date Nights—Now Automatically Prioritized
26:24 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 Things
30:55 Why Qube Money Gave Us the Confidence to CoastFI
33:01 Unrivaled Fraud Prevention… With a Debit Card!
36:16 Our Spending Qubes—What We See and Use Every Day
39:36 Quitting a Job and Using Qube to Stay on Track
41:36 How to Hack Your Bills (Meal Plans and Gym Memberships)
47:35 Our Goal Qubes and HSA Tracking
51:20 Concluding Thoughts and Final Advice
TOOLS 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: info@coastficouple.com
DISCLAIMER:
Heads up, friends! This show might include affiliate links or partnerships where we earn a little something. Rest assured, the opinions here are 100% ours and not influenced, reviewed, or approved by advertisers. Remember, we’re here to entertain and share our journey, not to give professional advice. For the serious stuff, consult a pro!
#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity...
Popular Podcasts
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Cardiac Cowboys
The heart was always off-limits to surgeons. Cutting into it spelled instant death for the patient. That is, until a ragtag group of doctors scattered across the Midwest and Texas decided to throw out the rule book. Working in makeshift laboratories and home garages, using medical devices made from scavenged machine parts and beer tubes, these men and women invented the field of open heart surgery. Odds are, someone you know is alive because of them. So why has history left them behind? Presented by Chris Pine, CARDIAC COWBOYS tells the gripping true story behind the birth of heart surgery, and the young, Greatest Generation doctors who made it happen. For years, they competed and feuded, racing to be the first, the best, and the most prolific. Some appeared on the cover of Time Magazine, operated on kings and advised presidents. Others ended up disgraced, penniless, and convicted of felonies. Together, they ignited a revolution in medicine, and changed the world.
The Joe Rogan Experience
The official podcast of comedian Joe Rogan.