But if I pretend I’m YNAB for a minute and figure out where every dollar I expect to receive in the next two months is going to go, all of those dollars go towards expenses I’ve already planned for: repaying my savings account, paying rent, traveling to a wedding, etc. There aren’t new dollars for unplanned but likely expenses, like restaurants, for the next two months.

So if someone says “hey, a bunch of us are going out tonight, want to come?” my options are:

1. Say no, every time, for two months.
2. Borrow against future earnings, which continues to exacerbate the problem.
3. Earn more money.

In my situation, I think #3 is the easiest solution.