Podcasts by The YNAB Podcast
A weekly dose of just the right medicine to help you get out of debt, save more money, and beat the paycheck to paycheck cycle.
Further podcasts by Jesse Mecham
Podcast on the topic Bildung
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A Quote from F.W. Boreham from 2023-12-11T07:00
Jesse ran across a quote from author F.W. Boreham the other day that resonated strongly: "We make our decisions, and then our decisions turn around and make us." Mr. Boreham described the goal o...
ListenAsk Jesse: Selling a Rental Property, Buying a Car, and Pausing Retirement to Save? from 2023-12-04T07:00
Jesse is back with another round of questions from his inbox, including whether or not a listener should sell her rental property, whether it's worth buying a new car to relieve the stress of st...
ListenGiving the Old Bird to Money from 2023-11-27T07:00
Jesse has been focusing on the joy of spending money lately, and one way to achieve joy is to simply give it away. In a sense, giving away money is the ultimate way to give money the bird, so to...
ListenIt Has Nothing, and Everything, to Do with Spending from 2023-11-20T07:00
"You need to spend less money." "Money's not everything." But what if you don't need to spend less money. And what if money is everything? In today's episode Jesse offers up the idea that mo...
ListenYou Didn't Quit. To Every Season... from 2023-11-13T07:00
Once again, the holidays are nearly upon us. If your spending plan hasn't gone to, well, plan then that is OK. Seasons are everywhere in life. We see them every year and we see them ove...
ListenBuilding Habits: Four of Them, Actually from 2023-11-06T07:00
At YNAB they're called the Four Rules, but as Jesse argues, maybe they are best described as habits! The four habits of budgeting...
Got a question for Jesse? Send him an email:<...
ListenBONUS: Goodbye Mint, Hello YNAB from 2023-11-03T06:00
Breaking news! On November 2, 2023 Intuit announced that it would be shutting down Mint, a popular personal finance app it acquired back in 2009. In January 2024, millions of users will be left ...
ListenJoy Is a Three from 2023-10-30T06:00
Jesse invites you to play a game. Look at your last ten transactions and rate them 1 to 3:
- 1 = negative joy (sucked joy out of your life)
- 2 = neutral
- 3 = sparks jo... Listen
It's You All the Way Down from 2023-10-23T06:00
A dollar represents you. It is the product of your energies. Your labor and your brainpower creates products and services that you exchange for money, whether you work a job or run a business. T...
ListenAsk Jesse: Airlines are Banks, Better Money Habits, and Fast Talking from 2023-10-16T06:00
In today's episode, Jesse answers questions from YNAB'ers including how to build the habit of checking YNAB before spending and how to slow down Jesse's speech patterns for UK listeners (there's...
ListenAsk Jesse: Credit Card Rebels, Banks, and Emergency Funds from 2023-10-09T06:00
Jesse answers your questions on today's show, including how big an emergency fund does a teacher need? A YNAB'er shares a recent talk from the chairman of the Electronic Payments Coalition which...
ListenGuilty on All Counts from 2023-10-02T06:00
Spending money doesn't have to make you feel guilty! Jesse offers a pep talk to end the guilt trip, one budget at a time.
Got a question for Jesse? Send him an email:
Shift Your Spending Into High Gear from 2023-09-25T06:00
If you think about it, there's only one thing that money can do -- be spent! The use of money is, ultimately, the spending of money. Even if you give money away, it's given to others so...
ListenAsk Jesse: ...And Done! from 2023-09-18T06:00
Pfew! Done, finally! Jesse clears up the backlog in his Ask Jesse mailbox, answering listener questions about the nature of credit card spending in YNAB, whether YNAB'ers should still have emerg...
ListenAsk Jesse: We're Getting There People! from 2023-09-11T06:00
Jesse continues to work through his backlog of Ask Jesse questions, including his thoughts on credit karma, the magic of 1% retirement contributions, and whether he would save cash in case of re...
ListenAsk Jesse: Still Catching Up from 2023-09-04T06:00
Jesse is catching up on his inbox after a summer break, and answering your questions!
Got a question for Jesse? Send him an email:
ListenAsk Jesse: Catching Up from 2023-08-28T06:00
Since Jesse has been away, the emails have been piling up! Jesse works through his backlog of Ask Jesse questions today, including a woman who has a newfound distaste for credit cards... and wro...
ListenAn Experiment Made Permanent from 2023-08-21T06:00
Jesse is back from his summer break and ready to answer your questions and talk money! Long-time listeners of the podcast know that each year Jesse experiments with something in his financial li...
ListenWhen Expenses Rise: Ben Rolls With the Punches from 2023-08-14T06:00
What do you do when the biggest line item in your budget increases, like, a lot? You engage your Rule Two super powers and roll with the punches of course. Emotionally, however, it's not easy wh...
ListenMoney Stress from 2023-08-07T06:00
Ernie is running solo today, and sharing some recent developments in his financial life that have made him rethink his budget entirely. YNAB'ers are creatures of habit, and many of us enjoy the ...
ListenRules Changes: A Quick Trip Through YNAB History from 2023-07-31T06:00
Did you know that YNAB's Four Rules weren't always four? And contrary to popular belief, they did not spring forth from Jesse's head fully formed! No, the Four Rules developed over years as Jess...
ListenHow to Talk to Your Partner About Budgeting from 2023-07-24T06:00
Ben and Ernie share their personal experiences talking to their partners about budgeting and YNAB. Every family is different, and every partnership will handle communicating about money and budg...
ListenManaging Vacation Transactions from 2023-07-17T06:00
It's peak vacation season, so Ben and Ernie are comparing notes on handling the vacation budget in the moment. One the one hand, you want vacation to be vacation -- a time to unplug, be in the p...
ListenHow Often Should You Reconcile? from 2023-07-10T06:00
Reconcile your budget, that is! Ben and Ernie discuss their budget reconciliation habits, and make a case for why you should reconcile every day, especially if you are new to YNAB.
... Listen
Leaving Margin for Life from 2023-07-03T06:00
Ben and Ernie share a tip for making the budget feels a little less constricting -- leave a little margin in your categories! This is not an emergency fund, Ben says, but a way to give yourself ...
ListenOne Easy Trick to Boost Your Retirement Savings from 2023-06-26T06:00
We all know we need to save for retirement, but it can feel a long ways away. Savings can always wait while you deal with something more urgent, it seems, until all of a sudden retirement starts...
ListenThis Question Doesn't Have to Be Scary: Can I Afford This? from 2023-06-19T06:00
Ben and Ernie ask a question that strikes fear into those who don't budget (and sometimes to those who do): can I afford this? At least for YNAB'ers, this question isn't about whether you have t...
ListenA Different Take on Credit Cards from 2023-06-12T06:00
Ben and Ernie tackle the big credit card question (should you use them?) that Jesse has been wrestling with this year, with a slightly different take. Ben, of course, does not use credit cards a...
ListenPaying Off Debt the Sustainable Way from 2023-06-05T06:00
Jesse is taking a break for the summer, so Ben and Ernie (from the Budget Nerds podcast) are stepping in to guest host. Today, they talk about paying off debt... sustainably! So many personal f...
ListenRule Four Reviewed from 2023-05-29T06:00
Beef is pretty good aged, but you know what's even better? Aging your money! That's Rule Four -- aging your money. Basically, increase the amount of time between when you earn the money and when...
ListenRule Three Reviewed from 2023-05-22T06:00
Be like the reed... blowing in the wind. It's not a haiku, Jesse is talking about Rule Three -- rolling with the punches. Life happens, and unexpected things are going to pop up that could break...
ListenRule Two Reviewed from 2023-05-15T06:00
It's back to basics time! Rule Two in the YNAB method is "embrace your future expenses." In short, think about the things you will have to buy or pay for in the future, and act on them NOW. Car ...
ListenRule One Reviewed from 2023-05-08T06:00
Jesse is going back to basics and reviewing the Four Rules, which are the foundation of YNAB. The first rule: give every dollar a job. What does that mean exactly? YNAB wants you to live and spe...
ListenA Mother's Method for Living Well (Contest Announcement!) from 2023-05-01T06:00
At a recent YNAB all-hands meeting, Sarah gave a personal presentation about her "Mama's Method," rules her mother gave her for living well. Sarah told them in YNAB Four Rules style:
What's In Your Financial Shovel of Dirt? from 2023-04-24T06:00
Jesse shares a story about growing sweet potatoes and shoveling dirt... lots and lots of dirt. There's a metaphor here about budgeting too. It's work, and sometimes takes a long time to pay off....
ListenGiving Future You A Bit More Negotiation Ammo from 2023-04-17T06:00
Jesse shares a trick for improving your Rule Two planning (Embrace Your True Expenses), and better prepare for the next unexpected expense.
Jesse suggests pulling your last six m...
ListenPaid In Full, But Always in Debt from 2023-04-10T06:00
Jesse continues his rant about exploration of credit card use, observing that "paid in full" users are, technically, always in debt. Paid in full users are people who have the cash at any...
Jesse Chats with a Guy Who Has Never Used a Credit Card from 2023-04-03T06:00
Jesse talks with a man who has never used a credit card -- YNAB's own Ben Barlowe, who you may also recognize from the Budget Nerds podcast. Ben is 34 years old, has four children, a house (purc...
ListenAsk Jesse: Talk Slower, Pay Down Debt Faster from 2023-03-27T06:00
It's time for another round of Ask Jesse! Jesse fields questions from podcast listeners about how to manage multiple bank accounts, negative budgeting, and whether he can slow down his speech pa...
ListenRule One and the Pursuit of Nothing from 2023-03-20T06:00
Jesse challenges the idea of constantly pursuing something financially. For many of us in the modern world, our default is to always be chasing something -- more things, more experiences, more r...
ListenExpensive Is a Lazy Word from 2023-03-13T06:00
When people say "that's too expensive," what do they mean really? That they can't afford it, that it costs too much for a certain group of people, that it costs too much on principle? Jesse rela...
ListenAsk Jesse: Travel Hacking, Credit Cards, and YNAB'er Experiences from 2023-03-06T07:00
In this installment of Ask Jesse, Jesse answers questions from podcast listeners about travel hacking and credit card and debit card fraud protection. He also reads an experience from one YNAB'e...
ListenRule One and DIY FTW from 2023-02-27T07:00
Jesse analyzes a recent situation in which he was planning to build something in his wood shop, when a friend remarked that he could buy the same thing a lot cheaper. While we talk about money a...
ListenDebit vs Credit Card Smackdown (and a Rant) from 2023-02-20T07:00
In response to episode #603 "You Spend More Money with Credit Cards," many listeners wrote Jesse to pick a bone with his claim that the debit card was a superior way to pay for things. The argum...
ListenAsk Jesse: Save for Cars or Pay Down Mortgage, Debt Consolidation, and How Do You Know When to Spend? from 2023-02-13T07:00
Jesse answers questions from the YNAB mailbag, including whether a couple should save for new cars to replace aging vehicles, or pay down the mortgage faster, whether debt consolidation is a goo...
ListenOne Thing That Tells You You're Doing Money Right from 2023-02-06T07:00
Jesse shares one key indicator that you are budgeting and doing your money right.
Got a question for Jesse? Send him an email:
ListenA Major Downside to Not Having Money Stress from 2023-01-30T07:00
Not having money stress is a GREAT feeling to have. But a YNAB employee, Katie, pointed out a downside to it -- people assume you make more money than you really do. Because who else would have...
ListenAsk Jesse: Doubling Income, Real Estate, Debit Card Fraud Prevention from 2023-01-23T07:00
Jesse fields more listener questions today, including what you should do when you double your income (teaser: there's really not a wrong answer as long as it's saving!), how to budget for real e...
ListenAsk Jesse: More on Credit Cards, Tracking 401k in YNAB, and Paying Off Student Loans from 2023-01-16T07:00
Jesse answers listener questions about tracking 401k deposits in YNAB and how to strategize paying off student loans. Jesse shares his evolving thoughts about credit cards, and why the Mecham ho...
ListenNow Burn It All Down Again from 2023-01-09T07:00
Last week Jesse urged YNAB'ers not to make any sudden or drastic moves to their budget. But you know it's the beginning of the year, and that can only mean one thing! It's time for a budget burn...
ListenDon't Make Big Changes, People! from 2023-01-02T07:00
Happy New Year! We hope 2023 is a fruitful and productive year, financially and otherwise, for everyone. It's that time of year again, the time for resolutions, big goals, and new plans. Jesse u...
ListenA Strategy for the Holidays in 2023 from 2022-12-26T07:00
We hope you had a Merry Christmas and very happy holiday! If you didn't use YNAB to plan for this year's Christmas bill, that's OK, you can start now for next year! In January start saving for C...
ListenEvery Gift I'm Giving Julie, Forever from 2022-12-19T07:00
Jesse shares some of the gifts he's given his wife, Julie, over the years, and why every year from now on the gifts will be made, not bought.
Got a question for Jesse? Send him a...
ListenAsk Jesse: Tracking 401k in YNAB, Early Retirement Budgeting, Advisors, and More from 2022-12-12T07:00
Jesse answers a grab-bag of questions from listeners, including whether it's a good idea to track 401k investments in YNAB (it's not), how to budget for early retirement, good books for learning...
ListenYou Spend More Money with Credit Cards from 2022-12-05T07:00
It's a fact, you do. We know this because banks LOVE credit cards, and they're incentives for using credit cards rely on the fact that many people spend more money on credit than they would othe...
ListenThe Different Tenses of Money from 2022-11-28T07:00
Jesse riffs on the idea that money has different "tenses," that is, money's purpose is to be spent, and spending can happen in the past, present, or future. Debt is past spending, savings is fut...
ListenRule One and Gratitude from 2022-11-21T07:00
For everyone listening in the United States, Happy Thanksgiving! Jesse encourages us this week to step back and make a list of everything we are thankful for. Taking a moment to express your gra...
ListenWhat's the Most Expensive Thing You've Budgeted For? YNABers Share from 2022-11-14T07:00
Jesse shares results from a recent survey of YNABers asking: "what's the biggest thing you've saved for with YNAB?" Vacations, cars, houses, college... there are some big line items indeed!
... ListenAsk Jesse: What's the Most Important Metric? from 2022-11-07T07:00
YNAB'er Allison asks: of all the metrics in the YNAB software, which is the most important one to track? To which Jesse answers... none of them! Jesse prefers to track net worth over time, which...
ListenThe Last $300 from 2022-10-31T06:00
Once you've started working the Four Rules, you start to realize that most of your money is kind of... spoken for. You need to pay the rent, the utlities, insurance, and so on. When you get thro...
ListenWhen Is Your Age of Money Enough? from 2022-10-24T06:00
Killian, a YNAB 4 user, asks about Rule Four and the "age of money" metric. How long should you age your money before you can relax a bit and not budget so stringently?
Got a que...
ListenRule Three Happens BEFORE Spending, Not After from 2022-10-17T06:00
Jesse drops a reminder that Rule Three, when properly implemented, happens before you spend the money on that unexpected expense -- not after!
Got a question for Jesse? Send him ...
ListenEP 18 Money Stories: Surviving Financial Abuse with Dr. Kerry Roarke from 2022-10-10T06:01
Jesse talks with domestic abuse survivor and now advocate, Dr. Kerry Roarke. Despite a successful career in pharmacy, Kerry found herself stuck in an increasingly abusive marriage, with very lit...
ListenAsk Jesse: Is All Money Just Savings? from 2022-10-03T06:00
A listener, Tom, writes into the show to express some confusion over what constitutes "savings" in a budget following the YNAB method. During a call with his bank to discuss refinancing, Tom was...
ListenBudgeting for 8 Weeks Abroad with Chrissy Sebald from 2022-09-26T06:00:59
Jesse invites YNAB Senior Support Manager Chrissy Sebald to the podcast to talk about her budgeting super skill -- saving for frequent travel with her family of six! And not just travel in and a...
ListenEP 17 Money Stories: Living Debt Free in Manhattan, Budgeting Wisdom from Mom, and More with Christopher J. Campbell from 2022-09-19T06:00:52
In today's installment of Money Stories, Jesse talks with YNAB Ambassador Christopher Campbell, a 33-year old marketing director living in Portland, ME. Christopher learned the value of budgetin...
ListenSimple Investing with Jeremy Schneider of Personal Finance Club from 2022-09-12T06:00:39
Jesse invites entrepreneur and avid YNAB'er Jeremy Schneider on to the show to help de-mystify investing for YNAB'ers looking to get started. Jeremy built the successful internet startup RentLin...
ListenBreaking Down Student Loan Forgiveness with Ben the Dollar Scholar from 2022-09-05T06:00:13
Jesse chats with Ben, a YNAB employee and "The Dollar Scholar" on TikTok, where he educates college students and grads on the intricacies of student loans. Ben walks through the recently announc...
ListenNail Back to School with the Four Rules from 2022-08-29T06:00
School is back in session, and it's a good time to tune up the budget. Want to really nail it this year? Go back to the Four Rules, Jesse says, and simplify. Now is the time to close th...
ListenAsk Jesse: What Should You Do with a Life-changing Windfall? from 2022-08-22T06:00
A listener writes the show to ask: what should he and his family do with a life-changing windfall? The listener has a mortgage, and a HELOC, and some savings goals such as saving for his kids' c...
ListenLessons from the Bookshelf: What Jesse Has Been Reading Lately from 2022-08-15T06:00:31
Jesse shares a few book titles he has been working through lately, and how the lessons from Jocko's Exteme Ownership have been working their way through the Mecham household and YNAB. I...
ListenAsk Jesse: So You Just Started Your First Real Job... from 2022-08-08T06:00:25
A listener writes Jesse to ask what he should do with his first real job and first real paycheck -- pay off debt, or start investing? This is a popular question with a few answers, and in Jesse'...
ListenThat Magical Moment (When You Really Want Something) from 2022-08-01T06:00:06
There's a moment that happens when you run across something you really want -- it's like an itch that wants you to whip out the credit card and scratch it! In these moments, we're probably not v...
ListenAsk Jesse: Kids, Allowances, and Cringey Purchases from 2022-07-25T06:00:41
Hillary writes into the show to ask: when you started giving an allowance to your kids, what things did they buy that made you cringe? Hillary is starting the YNAB allowance strategy for her kid...
ListenBudgeting for the Nomadic Life from 2022-07-18T06:00:52
Jesse chats with a number of YNAB employees who are living, or working towards living, a "nomadic" life -- living and working across the US in a variety of places throughout the year. While this...
ListenAsk Jesse: What's the Deal with Whole Life Insurance? from 2022-07-11T06:00:02
A listener writes into the show to ask about whole life insurance and whether it's worth it for a young couple in their 30's. As always, it depends! Whole life policies typically come with big ...
ListenDebt and Pay Later Plans: An Independence Day Rant from 2022-07-04T06:00:31
Happy Fourth of July to the American YNAB'ers out there!
Following Apple's recent announcement of their "Apple Pay Later" plan, in which customers can split the cost of purchases...
ListenWhat If Your Coworkers Weren't Stressed About Money? from 2022-06-27T06:00:02
It's no surprise, but employees carry their money stress into work with them. And that stress not only affects their performance at work, it affects their happiness and, by extension, increases ...
ListenAsk Jesse: How Do You Move On... From Budgeting? from 2022-06-20T06:00:24
Britney writes into the show to ask, as a long time fan and follower of various personal finance resources, what should she do now that her family's budget is pretty much dialed in? How can she ...
ListenMid-Year Check In: Are You Still Clear On Things? from 2022-06-13T06:00:11
It's right about the mid-point of the year... how's your budget doing? Are you still clear on your priorities, and what jobs your dollars should be doing for you? If you've found yourself Rule T...
ListenAsk Jesse: What Do I Do With My Investments Now? from 2022-06-06T06:00:20
A listener writes into the show -- what should she do with her investments in this market? Each week she is seeing the value of her portfolio go down, and she is losing as much value as what she...
ListenRevisiting a Hot Take on Index Investing from 2022-05-30T06:00
On a recent Budget Nerds episode, Jesse threw out a hot take that index investing isn't all it's cracked up to be. Jocelyn wrote into the show to ask... why exactly? Jesse explains himself in to...
ListenHow to Budget When Everything Is Expensive from 2022-05-23T06:00:01
As inflation continues to rear it's ugly head in 2022, prices are going up and up, meaning budgets are getting stretched thin. Inflation is essentially another form of scarcity, Jesse points out...
ListenAsk Jesse: How Should You Track Vacation Spending? from 2022-05-16T06:00:17
A listener writes into the show to ask: how should you track vacation spending? Vacation is a time to relax and let loose a little, but the listener wants to make sure he is pacing the family's ...
ListenA Financial Roadmap for Marriage and Financial Separation with Attorneys Kelly Frawley and Emily Pollock from 2022-05-09T06:00:55
Kelly Frawley and Emily Pollock are attorneys specializing in matrimonial and family law, and regularly contribute to Forbes on issues related to divorce and business. In today's episode, they d...
ListenBetter Budgeting... and a Rant about Banks from 2022-05-02T06:00:55
Struggling with YNAB? That's OK, you're not alone, and Jesse has a few things to look at and make sure you are truly following the Four Rules. And along the way, Jesse has a bone to pick about b...
ListenAsk Jesse: First-Time Home Buyer in a Crazy Market from 2022-04-25T06:00:24
A first-time house shopper wrote into the show for advice on how to approach the crazy, red hot housing market we are currently in. The writer wants to buy her first home, but is unsure whether ...
ListenSavings With a Purpose from 2022-04-18T06:00:56
Jesse shares some case studies from the Mecham household, where he has taught his kids to budget their savings the YNAB way, giving those savings dollars a job. The kicker? Their savings sit in ...
ListenEP16 Money Stories: First Responders and Finance, $78k Debt Paid off in 28 Months from 2022-04-11T06:00:36
Jesse welcomes Jason and Katie Hoschouer to the podcast. Together they paid off $78,000 of debt in a mere 28 months, an amazing burst of focused saving and budgeting!
Jason is a ...
ListenMeet Todd: The CEO Behind YNAB from 2022-04-04T06:00
Jesse invites the CEO of YNAB, Todd Curtis, to the show to discuss the anatomy of the company, the collaborative philosophy behind the work done by the various teams and functions, and some of t...
ListenEP15 Money Stories: Unconventional Job? No Problem. A Lifetime of Budgeting Wisdom from Nina Clark from 2022-03-28T06:00:11
Nina Clark grew up in a large family tight on money, but with a mother who was very good at budgeting and stretching a dollar. Nevertheless, she wasn't taught anything about money growing up, so...
ListenAsk Jesse All About Taxes from 2022-03-21T06:00:18
It's that time of year again, and April 15th looms! Taxes are due soon, and perhaps no other financial topic generates as much confusion and as many questions. To that end, Jesse answers questio...
ListenSo You Want to Renovate Your Home... from 2022-03-14T06:00:59
Listen15 vs 30 Year Mortgage: Which Is Actually Better? from 2022-03-07T07:00
Jesse compares the pros and cons of the 15 year vs the 30 year home mortgage. While there are plenty of online calculators out there that will spell out the difference in interest costs and amor...
ListenEP14 Money Stories: How Mackenzie Uses YNAB to Navigate College, Study Abroad, and Multiple Currencies from 2022-02-28T07:00
International student of mystery Mackenzie is financially wise beyond her years... all thanks to YNAB and embracing the four rules while a young college student. Since discovering YNAB Mackenzie...
ListenMaster Your Grocery Budget with Erin from 2022-02-21T07:00
Long-time YNAB team member Erin returns to the podcast to discuss strategies for managing your grocery budget. With prices on the rise, many people are tightening their budgets, and groceries ar...
ListenA Little Momentum Is All You Need from 2022-02-14T07:00
In honor of 2/22/2022, which is quickly approaching, YNAB is giving you the chance to gain a little extra momentum in your budget this year. YNAB is giving away $2,222 to a lucky podcast listene...
ListenBudget Nerds Is Now a Podcast! from 2022-02-07T07:00
Ben and Ernie return to the podcast to announce... their own podcast! Budget Nerds, the popular YouTube show for nerdy YNAB'ers, is launching a podcast on Wednesday, Feb 9th. Now you can take Be...
ListenAsk Jesse: Planning for 3-Month Paychecks and Windfalls from 2022-01-31T07:00
YNAB Podcast listener Jenna emailed Jesse to share a recent win. Jenna's husband is about to finish law school, and thanks to YNAB and a lot of work and sacrifice he will graduate with NO studen...
ListenAsk Jesse: How Do You Budget After Retirement? from 2022-01-24T07:00
Jesse answers a listener question about budgeting after retirement, in particular when you are living off your retirement savings and not yet drawing on Social Security.
Join the...
ListenReal Estate 101 with Scott Trench (BiggerPockets) from 2022-01-17T07:00
Jesse chats with Scott Trench, CEO of BiggerPockets and a real estate investor, about how people can get started with real estate investing and build more wealth. Scott started his working caree...
ListenThe Organized Wallet with Ashley from TikTok from 2022-01-10T07:00
Jesse chats with Ashley, of TikTok fame (The Organized Wallet), about her journey finding the budgeting software through a chance blogpost to finally gaining control of her money after years of ...
ListenTake the More Money Challenge with Veronica from 2022-01-03T07:00
Happy New Year! It's that time again -- time for planning, goal setting, and resolutions. If you're listening to this podcast, one of your New Year's resolutions might be to save more money. YNA...
ListenBudget Burndown Revisited: How to Set and Reach Your 2022 Financial Goals from 2021-12-27T07:00
It's that time of year again... time to burn it all down! The budget, that is. Every year Jesse "burns down" his budget, deleting all the categories and questioning whether the family could live...
ListenEP13 Money Stories: Jak and Chelsea Tackle ADHD... with YNAB from 2021-12-20T07:00
Millions of people struggle with ADHD, and it has financial ramifications -- decision fatigue, difficulty planning future purchases, and impulsive spending habits. Jak is a coach for "ADHD'ers,"...
ListenCelebrating Your Biggest Wins in 2021 from 2021-12-13T07:00
We're nearly to the end of 2021, so Jesse took a moment to celebrate all of your biggest budgeting wins this year. To all the YNAB users who accomplished your goals and improved your financial s...
ListenAsk Jesse: How Do I Get Back on the Budget Bandwagon? from 2021-12-06T07:00
A listener asks -- what can I do to get my budget back on track after falling off the wagon?
Sign up for a free 34-day trial of YNAB at ...
ListenMeet the Chief of Side Hustles: Nick Loper from 2021-12-01T07:00
Jesse chats with the Chief Hustler of side hustles, Nick Loper. Nick has made a living out of side hustles, literally! A serial entrepreneur, Nick started a number of small businesses and side ...
ListenAsk Jesse: How to Launder Money... for Christmas?! from 2021-11-29T07:00
Jesse answers a reader trying to save for a surprise Christmas present for his significant other, but also trying to be faithful to his YNAB budget. Jesse shares a few tricks and some "creative ...
ListenDon't Afterpay Your Way Though the Holidays from 2021-11-24T07:00
Watch out credit cards, a new game is in town, and it's waiting to trip up your budget during the holiday season. We're talking about payment plans: sort of like a credit card, sort of ...
ListenAsk Jesse: Living Right And It's Not Fair from 2021-11-22T07:00
Jesse answers a concerned parent emailing about their son's college experience. After raising a thoughtful and budget minded son who paid for his first semester of college by working a series of...
ListenAdapt or Die from 2021-11-17T07:00
Of the Four Rules, is one more important than the others? Is there one rule to rule them all? In the past, Jesse has argued that rules 2-4 are essentially derivatives of Rule One. But perhaps th...
ListenAsk Jesse: Should I Sell My Crypto to Pay Off Debt? from 2021-11-15T07:00
Jesse answers an email from a listener wondering, should he sell his cryptocurrency in order to pay off his debt?
Sign up for a free 34-day trial of YNAB at Listen
Growth After Trauma: Krista St. Germain from The Widowed Mom Podcast from 2021-11-10T07:00
Jesse chats with life coach and podcaster Krista St. Germain, a widowed mother who had to work through waves of grief after her husband unexpectedly passed away five years ago. Krista discusses ...
ListenEP12 Money Stories: Njeri Young Asks "How Do You Want Your Money to Treat You?" from 2021-11-08T07:00
Njeri Young is an avid YNAB user, but she didn't start out that way. In fact, it took her years of stops and starts before she finally gained control over her dollars, learned how to budget, and...
Listen18 Summers: Jim and Jamie Sheils on Building Stronger Families from 2021-11-03T06:00
Jim and Jamie Sheils make a sobering, but important, observation -- we only have 18 summers to spend with our children before they become adults and move off to start their own lives. Jesse chat...
ListenMoney Story EP11: Chris Wilson on Simplifying Your Why from 2021-11-01T06:00
Jesse chats with avid YNAB'er Chris Wilson, who turned around a stressful and unfulfilling life by applying YNAB's Four Rules to his budget, and then to his life. Chris explains that the key to ...
ListenThrow Away Your To-Do List: Tanya Dalton On Purpose from 2021-10-27T06:00
Tanya Dalton is passionate about helping women take charge of their schedules and get more done. But it's not just about checking things off the list, she says, it's about giving your tasks prio...
ListenThe Spectrum of Wealth from 2021-10-25T06:00
Inspired by the ideas in Morgan Housel's book The Psychology of Money, Jesse discusses the meaning of the word "wealth," and how we define wealth in our own lives. Is it just about mone...
ListenYour Cash Is Your Strategy (Rebroadcast from Beginning Balance) from 2021-10-20T06:00
Did you know Jesse has another podcast all about business? He and veteran YNAB'er and virtual CFO Mark Butler have launched Beginning Balance to talk about the lessons they've learned c...
ListenOnce Again, The Holidays are Upon Us from 2021-10-18T06:00
When did that happen? It seems like the year was just getting started, and all of a sudden it's mid-October. The holidays are coming soon -- have you been creating space in your budget for your ...
ListenThe Montblanc Effect from 2021-10-13T06:00
It's normal to want some amount of luxury or finery in your life, but have you considered the true cost of luxuries? There might be more to it than just the sticker price...
Sign...
ListenFrom the YNAB Mailbag: When Should I Invest in the Stock Market? from 2021-10-11T06:00
Jesse answers a listener-submitted question. If you've paid off your debt, and you have an emergency fund, should you start investing in the stock market? If your goal is to build wealth -- and ...
ListenTik Tok for Financial Advice? YNAB's Got That Covered from 2021-10-06T06:00
Did you know YNAB is on Tik Tok? Yep, thanks to YNAB team member Sarah Schweisthal, You Need A Budget has been lighting up Tik Tok "stitches" with budgeting advice for the yoots. Sarah talks abo...
ListenShould You Invest in Crypto? from 2021-10-04T06:00
It's been hot for years, and has recently become white hot. Cryptocurrencies have the potential to change money and finance in a profound way, but does that make it a good investment, or mere sp...
ListenHow the World's Greatest Investors Win in Markets and Life from 2021-09-29T06:00
Jesse speaks with renowned financial journalist William Green about his new book -- Richer, Wiser, Happier: How the World's Greatest Investors Win in Markets and Life -- in which Green interview...
ListenInvesting 101, Pt 2: How to Get Started from 2021-09-27T06:00
School is back in session! And today, Jesse and Matthew Amster-Burton are discussing everything you need to do to get started investing for retirement. They break down the different types of in...
ListenBuilding Passive Income through Real Estate with Dustin Heiner from 2021-09-22T06:00
Jesse chats with Dustin Heiner, a real estate investor who quit his job five years ago after building a passive income stream sufficient enough to live on. Dustin received a wake up call several...
ListenInvesting 101 with Matthew: Terms You Need to Know from 2021-09-20T06:00
School is in session! Jesse teamed up with Matthew Amster-Burton (who you have heard on the Behind the Scenes series), a YNAB team member and former financial advisor, to create a short series d...
ListenYou Might Be a Budget Nerd If... from 2021-09-15T06:00
It's time to play a little game. Jesse and a couple YNAB team members gather to play "you might be a budget nerd if...." See if you can call yourself an official budget nerd!
Sig...
ListenFinancial Order of Operations from 2021-09-13T06:00
Do you pay off debt first, or invest for retirement while paying it off slower? Or do you build an emergency fund first? How much? There are a number of tradeoffs when it comes to paying off deb...
ListenThe Financial Pressures of The Sandwich Generation with Jennifer Owens from 2021-09-08T06:00
With the Baby Boomer generation rapidly aging into retirement, more and more Generation X and older Millennials face some tough financial questions: how do you financial support parents that nee...
ListenBehind the Scenes: A Random Chat with the YNAB Team from 2021-09-06T06:00
As you might have noticed by now, the team at YNAB is diverse, eclectic, and full of passionate people with a wide range of interests. It is no surprise, then, that in the course of conducting t...
ListenHow to Talk to Your Kids About Money with Anne-Lyse Wealth from 2021-09-01T06:00
Talking about money isn't easy for adults, so it's no surprise that many adults struggle with how to talk about money with their kids. Stephanie Anne-Lyse Wealth, or just Anne-Lyse as she goes b...
ListenBehind the Scenes: Personal Finance Tips from the YNAB Team from 2021-08-30T06:00
In today's installment of Behind the Scenes, YNAB team members share their insights about personal finance, whether it's overcoming the fear and confusion of investing, learning to push yourself...
ListenBack to School, Back to Budgeting from 2021-08-25T06:00
It's that time of the year again, when summer is winding down and children are starting the new school year. As seasons go, starting the new school year is a time of new schedules and new challe...
ListenBehind the Scenes: The YNAB Team Shares Their Very Best Budgeting Advice from 2021-08-23T06:00
Today Jesse asks the team at YNAB to share their top pieces of advice for new YNAB users... besides, you know, that you need a budget.
Sign up for a free 34-day trial of YNAB at ...
ListenMeet the Man with All the Hacks! Chris Hutchins from 2021-08-18T06:00
Life hacker, optimizer, product director at Wealthfront... he wears many hats, but his passion is the same -- upgrading life without spending a fortune! In today's episode, Jesse chats with Chri...
ListenBehind the Scenes: Working at YNAB from 2021-08-16T06:00
In today's installment of Behind the Scenes, Jesse asks employees why they applied for a position at YNAB, what the interview process is like, and whether the company has lived up to its reputat...
ListenEP10 Money Stories: How Tristan Pursued His Art Dreams and Paid off $80k of Student Debt from 2021-08-11T06:00
In today's Money Story, Jesse chats with a YNAB employee, the gifted artist and animator Tristan Henry-Wilson, whose work YNAB users may have seen on the YNAB website and the YNAB Youtube channe...
ListenBehind the Scenes: Budgeting with a Partner from 2021-08-09T06:00
Experienced YNAB'ers understand that budgeting is an active, ongoing process that requires frequently engagement with your budget. Ideally, both partners in a relationship are fully engaged in t...
ListenMom and Dad, We Need to Talk: Money and End-of-Life Care with Cameron Huddleston from 2021-08-04T06:00
Award winning author and personal finance journalist Cameron Huddleston joins the show to discuss the uncomfortable realities of managing parents' finances through end of life care and after the...
ListenBehind the Scenes: What's The Budget Done for You Lately? from 2021-08-02T06:00
Jesse interviewed every employee at YNAB, asking them about a wide range of topics -- how they heard about YNAB, what they are working on in their roles, and their money struggles and successes....
ListenMeet Your Guide to the Student Loan Jungle: Travis Hornsby (Student Loan Planner) from 2021-07-28T06:00
Travis Hornsby is passionate about student debt, especially helping people with lots of it find smart, effective pathways to pay it off. After a career as a bond trader, he turned his attention ...
ListenBehind the Scenes: YNAB Employees Tell Their Debt Stories from 2021-07-26T06:00
Jesse interviewed every employee at YNAB, asking them about a wide range of topics -- how they heard about YNAB, what they are working on in their roles, and their money struggles and successes....
ListenJames Clear: Building Good Habits and Breaking Bad Ones from 2021-07-21T06:00
Jesse invites the author behind one of his favorite books, Atomic Habits, to join the podcast and talk about what he learned about setting good habits, breaking bad ones, and developing environm...
ListenDear College Student from 2021-07-19T06:00
Are you a college student, or about to go to college? It's an exciting time of your life, but it can also be a very expensive time of your life too. It's possible to keep your spending ...
ListenHannah Cole: Simplifying Taxes for Artists and Creative Professionals from 2021-07-14T06:00
Artist and tax professional Hannah Cole has a burning passion -- seeing art get made. And one thing she hates to see is artists being held back by money problems. After establishing herself as a...
ListenYou're Broke and Winning from 2021-07-12T06:00
Veteran YNAB'ers have a saying for what happens when you follow the four rules, budget, and have no money left over. They call it being "YNAB broke," and it's a badge of honor!
S...
ListenA New Way to Pay for College? David Stackpole's Unique Strategy from 2021-07-07T06:00
EDITOR'S NOTE: At 28:15 David states that generally you cannot take out money from a ROTH to pay for college without paying a penalty. David later pointed out, however, that you may take out up ...
ListenEP09 Money Stories: Carol Kissinger Was "Bad At Money," Until She Found YNAB from 2021-07-05T06:00
In today's money story, Carol Kissinger tells her story of discovering YNAB after moving from America to Berlin. She had never been good with money, was indebted to her parents for years, and fr...
ListenHow to Be a Financial Grownup with Bobbi Rebell from 2021-06-30T06:00
Personal finance journalist, news anchor, Certified Financial Planner, and now author, Bobbi Rebell explains what it means to be a "financial grownup." The essential part of being grown-up with ...
ListenUh, Are You Still Budgeting? from 2021-06-28T06:00
After receiving shocking financial news that credit card spending in 2021 is up over 20% compared to 2019, Jesse asks the question: are you still budgeting out there?
Si...
ListenEP08 Money Stories: Ivan&Daniel Budget for the High Income Earner from 2021-06-23T06:00
Jesse chats with two people that are passionate about personal finance and share a common trait: they are high income earners. YNAB doesn't often talk about people earning high incomes, but cont...
ListenAfter Years of Experiments, Jesse Does the Unthinkable from 2021-06-21T06:00
After years of experimenting with his budget and budgeting process, Jesse decided to do the unthinkable in 2020. He went an entire year *without* a budget!
Sign up for a free 34-...
ListenJean Chatzky: Helping Women Find Security in Money from 2021-06-16T06:00
Jean Chatzky, long-time personal finance writer and correspondent for The Today Show, CNN, MSNBC and other high-profile shows, joins the podcast to discuss the unique issues women face in their ...
Listen6 Money Lessons for Newlyweds from 2021-06-14T06:00
Jesse offers six tips for newlyweds learning to manage their money as a couple for the first time.
Check out the YNAB blog for more!
Well, Here We Are... from 2021-06-09T06:00
Jesse celebrates -- can you believe it?! -- the 500th episode of the You Need a Budget podcast. Nearly 10 years ago, Jesse started this podcast as an experiment. Over the years the mics have bee...
ListenClosing the College Gap: Steve Colon (CEO, Bottom Line) from 2021-06-07T06:00
Jesse interviews Steve Colon, CEO of Bottom Line, an organization that helps students of color navigate the complex, time-consuming, and high stakes college admissions process. Bottom Line doesn...
ListenIntroducing Beginning Balance: A Show About Small Business from 2021-06-02T06:00
Today Jesse gives a sneak peak at a new show launching on the YNAB podcast network -- Beginning Balance. Together with his friend and business mentor Mark Butler, a virtual CFO and business expe...
ListenGet Your S*** Together: End of Life Planning with Chanel Reynolds from 2021-05-31T06:00
Jesse chats with Chanel Reynolds, author of What Matters Most and founder of the Get Your Shit Together website, dedicated to helping people navigate the confusing, difficult, and emoti...
ListenRebroadcast -- Work Party: Take Control of Your Finances and Cultivate Confidence Around Money with Jesse Mecham from 2021-05-26T06:00
Today Jesse is sharing an interview he did with Jaclyn Johnson of the Work Party podcast for her Budget Broadcast Series. Jesse talks about the early days of YNAB, how to get serious with your s...
ListenMeet the Woman Who Paid Off $490k in Debt: Sami Womack from 2021-05-24T06:00
Jesse chats with Sami Womack, who paid off nearly half a million dollars of debt after hitting financial rock bottom during the birth of her first child. Stuck in a different city on business tr...
ListenIdentity Crisis? How About Identity Shift with Anthony Trucks from 2021-05-19T06:00
Former NFL athlete, husband, father, and coach -- a man of many identities you might say -- Anthony Trucks joins the podcast to talk about how what's holding you back from reaching your goals mi...
ListenInstallment Plans and Future You from 2021-05-17T06:00
Jesse does NOT like payment plans, and neither should you!
Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
ListenEP07 Money Stories: Student Debt? No Problem. Staying Positive During Debt Paydown with Abbie Shepherd from 2021-05-12T06:00
In today's episode of Money Stories, Jesse chats with Abbie Shepherd, a clinical psychologist who recently earned her PhD and is working her first real job after her long journey in hig...
ListenTaking Action on Your Ideas with Noah Kagan from 2021-05-10T06:00
Jesse chats with marketer and entrepreneur Noah Kagan, former Director of Marketing at Mint, former Facebook employee, and currently the owner of AppSumo, a daily deals website which offers entr...
ListenYNAB and the Vocabulary of Finance from 2021-05-05T06:00
Assets? Liabilities? Balance sheet? FBI's? What does it all mean? Jesse helps you understand some of the basic financial terms that come up often in YNAB, as well as some YNAB-specific lingo rel...
ListenYNAB Features You Didn't Know Existed from 2021-05-03T06:00
Jesse walks through some hidden features of the YNAB software you probably didn't even know existed!
Sign up for a free 34-day trial of YNAB at Listen
Budgeting for a Baby with Chelsea Brennan (Smart Money Mamas) from 2021-04-28T06:00
While there's no way to prepare for being a parent without actually becoming a parent, you can prepare financially for the experience. Chelsea Brennan shares some tips on how to do this, and wha...
ListenYNAB and Privacy from 2021-04-26T06:00
At YNAB your data is exactly that -- YOUR data. Financial data is personal and sensitive, and as Jesse explains, YNAB does not and will not touch that!
Sign up for a free 34-day ...
ListenSet Boundaries, Get More Done with Jeff Sanders (5AM Miracle Podcast) from 2021-04-21T06:00
Jesse chats with productivity master Jeff Sanders, host of the 5AM Miracle podcast. As the title of his podcast suggests, Jeff loves to wake up early, but he doesn't necessarily think you should...
ListenEP06 Money Stories: How YNAB Saved Erika from Drowning In Debt from 2021-04-19T06:00
In today's money story, Jesse chats with Erika, a 32 year old married woman who found herself struggling in the deep end of credit card debt. Until YNAB, Erika always managed her money with her ...
ListenOwn the Muddy Parts of Your Story with Mary Marantz from 2021-04-14T06:00
Jesse chats with author Mary Marantz about her book Dirt, the story of her life journey growing up in poor, rural West Virginia to eventually attending Yale Law. Mary grew up with a str...
ListenStudent Loans Are Frozen, But You Are Not from 2021-04-12T04:10:15
Student loan payments have been frozen for several months due to COVID-19, but that doesn't mean your budget has to be frozen. Jesse strategizes ways for you to address student loans during the ...
ListenHow Does She Do It? Managing Time in a Busy Life | Laura Vanderkam&Sarah Hart-Unger from 2021-04-07T06:00
Jesse chats with Laura Vanderkam and Sarah Hart-Unger, two time management experts and the hosts of the Best of Both Worlds Podcast, a show all about balancing busy lives and careers. Sarah is ...
ListenHow to Go From Two Incomes to One from 2021-04-05T06:00
Whether it's because of changing careers, preparing for a child, or some other life event, you and your partner may need to downsize from two incomes to one. This has a major impact to your budg...
ListenWhat Does College Really Cost? Ron Lieber Explains from 2021-03-31T06:00
New York Times columnist and bestselling author Ron Lieber joins the podcast for a frank discussion about the ever rising cost of college and whether it's even a good idea for young people today...
ListenHow to Time a Home Purchase from 2021-03-29T06:00
Buying a house is a stressful experience, especially in the current market where low supply and high demand have pushed prices up and up. Naturally, house shoppers worry about overpaying for a h...
ListenBudgeting and... Nutrition? How The Four Rules Can Improve Your Eating Habits with Kali Langevin from 2021-03-24T06:00
What does budgeting have to do with nutrition? A lot, actually, explains Kali Langevin, a nutritionist and Registered Dietitian who has spent 16 years working with athletes in United States Socc...
ListenEP05 Money Stories: From $30k Debt to "CoastFI" with Diania Merriam from 2021-03-22T06:00
This week's Money Story comes from the vivacious Diania Merriam, founder of the EconoMe Conference which brings together speakers in the FIRE movement (Financial Independence, Retire Early). Aft...
ListenThe ONE Thing Keeping You from Reaching Your Goals with Geoff Woods from 2021-03-17T06:00
Jesse chats with Geoff Woods, President of ProduKtive, the training company behind the bestselling book The ONE Thing by Gary Keller and Jay Papasan. After leaving a high-stress and ultimately u...
ListenOptimizing Your Car Budget... Not Really from 2021-03-15T06:00
Jesse attempts to give some advice on purchasing a car... before admitting that he has no advice to give! Well, maybe a bit of advice. Jesse reminds us that optimizing your budget involves optim...
ListenKnow Your Enneagram, Know Yourself with Ian Morgan Cron from 2021-03-10T07:00
Bestselling author Ian Morgan Cron introduces the Enneagram, a personality typing system which identifies nine different personality types, their motivations, strengths, and weaknesses. As Ian e...
ListenHere's the Ideal Budget from 2021-03-08T07:00
Jesse reminds us that the ideal budget... is the budget which helps you achieve your goals and values. And those goals and values can, and will, change over time!
Sign up for a f...
ListenHouse Hacking, Individual Stock Picking,&More with Investor Robert Leonard from 2021-03-03T05:00
Robert Leonard has been a uniquely driven person since a young age. Eyeing the professional ranks of motocross at age 14 (the minimum age to turn pro was 16), he competed all over the country. W...
ListenEP04 Money Stories: How YNAB Brought Sita Peace of Mind... and Peace in Life from 2021-03-01T05:00
Sita Thomas is a woman of many talents, and many careers, having worked jobs ranging from massage therapy to data analytics. She has been using YNAB for over 8 years to help her reach her goals,...
ListenHow to Find Passion in Your Work with Kelsey Murphy from 2021-02-24T05:00
Jesse chats with professional coach and business strategist Kelsey Murphy about how she left a high profile -- yet unsatisfying -- corporate job to travel the world with her husband. During thei...
ListenJesse Answers Your Questions: Small Business Q&A #1 from 2021-02-22T05:00
Jesse answers your questions about small business in Q&A format. You can send Jesse your questions and comments at: podcast@youneedabudget.com Listen
How to Have the Most Productive Year Ever with Amir Salihefendic (Doist) from 2021-02-17T05:00
Jesse chats with Amir Salihefendic, CEO of Doist, the company behind the popular productivity tool Todoist. Between running a company and being a father, Amir has a very busy life. He explains h...
ListenHow to Get a Job at YNAB with Emma Rolls from 2021-02-15T05:00
Jesse chats with YNAB's manager of support hiring, Emma Rolls, about what it takes to get hired at YNAB, what type of person fits in with the company culture, and Emma's personal experience lear...
ListenFour Common Traits of People Who Aren't Stressed About Money from 2021-02-08T05:00
Jesse identifies four common traits in people who don't stress about money.
- They have a cadence for checking their money. These people regularly check-in with thei... Listen
Budgeting Your Technology with Corbett Barr from 2021-02-01T05:00
Writer and entrepreneur Corbett Barr joins the podcast to discuss digital mindfulness, the pitfalls of social media and endless digital content, and his own quest to find peace as a digital crea...
Listen039 - When a Spouse isn't On Board from 2021-01-31T22:10:42.023393
I'm no marriage counselor, but I do sell for a living, and I think you have to sell your Spouse on budgeting.
ListenWhat Does Strength Have to Do with Budgeting? Matt Reynolds (Barbell Logic Online Coaching) from 2021-01-25T05:00
Jesse interviews strength coach, former pro Strongman, and founder of Barbell Logic Online Coaching, Matt Reynolds, about the many analogs between strength training and budgeting.
<... Listen
Sprinting Is Hard, But the Payoff Is Sweet from 2021-01-18T05:00
If you've been doing the 34-Day Reset, you're in full sprint mode right now. And it might be tough! But the beauty of the reset is that it's just 34 days, and affords you some space to reflect o...
ListenEP03 Money Stories: Katie Is Living the Hawaiian Dream... On a Budget from 2021-01-14T05:00
Jesse interviews Katie about her journey after college to Hawaii, where she went through a tough breakup and financially tenuous times. She persevered through those hard times, discovered YNAB (...
Listen3 Ways to Curb Your Money Spending Problem from 2021-01-11T05:00
Jesse offers three ways to stop spending money and kickstart your savings:
- Designate a "no spend" day. Pick a day of the week where you will deliberately spend NO m... Listen
EP02 Money Stories: Liz Finds Financial Freedom through Tik Tok from 2021-01-07T05:00
Jesse talks with YNAB'er Liz about her recent conversion to the YNAB software, which she discovered through the social media network Tik Tok. In just six months with YNAB, Liz has already revers...
ListenThis Is Why You Can't Get Out of Debt from 2021-01-04T05:00
Just like weight loss, there are some people who manage to pay off their debt through a burst of willpower and concerted effort... only to fall into debt again, usually slowly. Jesse points out ...
ListenEP01 Money Stories: Trish Answers - How Far Would You Go to Pay Off Debt? from 2020-12-31T05:00
YNAB is bringing back the Debt Stories... but this time we're calling it "Money Stories." In this series, Jesse interviews YNAB users about their incredible stories using YNAB to pay off debt, p...
ListenJoin Me In a 34-Day Reset from 2020-12-28T05:00
Jesse issues a New Years' challenge for YNAB'ers. For the next 34 days, abide by just three rules:
- Write down every single thing you spend money on. You can do this in YNA... Listen
Remembering What We Remember from 2020-12-21T05:00
Jesse reflects on budgeting for the Christmas season. While YNAB is all for getting your savings in order so that you can cash flow your Christmas spending without going into debt, the holiday s...
ListenTerry Bickmore: Advice for the First-Time Homebuyer from 2020-12-14T05:00
Jesse interviews his friend and realtor Terry Bickmore about Terry's introduction to YNAB and how it helped transform his business and personal life. Terry offers some advice for first-time home...
ListenBig Goals The End (re-broadcast) from 2020-12-07T05:00
Jesse reflects on learning to relax about spending money, especially on the "black box" line items -- unspecified purchases from Amazon that don't fit neatly into any other category, or purchase...
ListenTackling Fear from 2020-11-30T05:00
The end of the year is nigh, and 2020 has been one of the most stressful in recent memory. Jesse offers some advice for those dealing with fear and anxiety during these times.
Du...
ListenYNAB Named Fortune's 2020 "Best Small Workplace" with Taylor Brown, CTO from 2020-11-23T05:00
Jesse and Taylor Brown, YNAB's Chief Technology Officer, celebrate the company being named Fortune's #1 Best Place to Work in Small Business in 2020. Jesse and Taylor take a walk down memory lan...
ListenThink Like An Entrepreneur: An Interview with Ramit Sethi (I Will Teach You to Be Rich) from 2020-11-16T05:00
Jesse sits down with acclaimed finance writer and entrepreneur Ramit Sethi for a long chat about the mindset of financial success, how to think like an entrepreneur, and why the most important q...
ListenBudgeting with Self-Care with Robyn Conley Downs from 2020-11-09T05:00
Jesse interviews wellness expert, educator, and entrepreneur Robyn Conley Downs about applying her strategies for wellness to making lasting change in budgeting.
You can find Rob...
ListenContribution Margin to Cover Life's Overhead from 2020-11-02T05:00
In the world of cost accounting, there's a concept known as contribution margin. Basically, it's how much you make on a product or service after you consider how much it cost to make that thing....
ListenYou Are Building WEALTH from 2020-10-26T04:00
It's not a dirty word, so let's say it together -- wealth! At YNAB, we often use the words "save money," and it's a more approachable concept, something that seems achievable in the short term. ...
ListenJust Settle In from 2020-10-19T04:00
While canning tomatoes from a bumper crop, Jesse realized the process was going to take a looooooong time. His wife advised him, simply, to "just settle in." Anything that yields great results i...
ListenNever Spend Your Emergency Fund Again from 2020-10-12T04:00
Jesse lays out a strategy for managing unknown expenses without continually dipping into your emergency fund. Traditional budgeting advice tells you to create an emergency fund for dealing with ...
ListenAre You Just Not Smart With Money? from 2020-10-05T04:00
Jesse tackles the defeatist attitude some people develop that they are just no good with money. As they say, comparison is the thief of joy, and we should add, it's very misleading when it comes...
ListenLifestyle Creep? from 2020-09-28T04:00
Recently someone asked Jesse about his thoughts on preventing lifestyle creep, a major supposed gremlin of budgeting. Jesse doesn't even like the question, and discusses why worrying about lifes...
ListenMindfulness and Money: A Chat with a Meditation Expert from 2020-09-21T04:00
Recently Jesse received an email from a woman who claimed YNAB was really a program about mindfulness... just using money and budgeting as the entry point. So Jesse invited this woman onto the p...
ListenProgress Purchases from 2020-09-14T04:00
Let's face it, it feels good to buy things. That's not necessarily a bad thing, either. Spending on hobbies or other things that bring you value -- maybe a date with your partner -- makes you fe...
ListenThe Reluctant Partner is a Misread from 2020-09-07T04:00
We're all familiar with the situation. A person reads a book, learns a new skill, or discovers a method, and gets REALLY INTO IT. Brimming with enthusiasm, they share it with their partner and t...
ListenBooks I've Read - The Business Shelf from 2020-08-31T04:00
By popular request, Jesse flips through his office bookshelves and discusses the books he's read recently... and, well, some that he hasn't but is getting around to!
This week he...
ListenBooks I've Read - The "General" Shelf from 2020-08-24T04:00
By popular request, Jesse scans though his office bookshelf and discusses the books he's read recently... and, well, some that he hasn't but is getting around to!
This week he co...
ListenMeet Naseema, The Nurse on FIRE from 2020-08-17T04:00
Jesse interviews a YNAB'er, nurse practitioner Naseema, about how she used YNAB and the four rules to pay off an extraordinary $200k of debt in just under two years, all while going through some...
ListenThe Rule Three Escape Hatch from 2020-08-10T04:00
YNAB'er Elizabeth wrote into the podcast asking for clarification of Rule Three -- can you use it too often?
Simply put, If you aren't reaching your goals, Jesse says, you're mis...
ListenCOVID Conquerors from 2020-08-03T04:00
With everything that has transpired this year, we could all use some positive news. Today Jesse highlights a couple of positive stories from YNAB users who have managed to save money and stabili...
ListenYNAB for Good from 2020-07-27T04:00
In light of the terrible events that have transpired in 2020, YNAB is launching a new initiative to help those in need. YNAB is partnering with non-profit organizations that work with marginaliz...
ListenAtomic Budgeting Pt. 5: The Environment That Shapes You from 2020-07-20T04:00
Jesse wraps up the Atomic Budgeting series, based on the ideas in James Clear’s book Atomic Habits, with a look into how our environment shapes our decision making.
The world is ...
ListenAtomic Budgeting Pt. 4: The Four Laws of Behavior Change from 2020-07-13T04:00
Jesse discusses James Clear's "laws" of how people make lasting changes to their behaviors and how they might apply to the YNAB'er looking to improve their budgeting habits.
Sign...
ListenAtomic Budgeting Pt. 3: Becoming, Not Achieving from 2020-07-06T04:00
In the third installment of the atomic budgeting series, in which Jesse applies the principles in James Clear's book Atomic Habits to budgeting and personal finance, Jesse discusses the...
ListenAtomic Budgeting Pt. 2: Systems, Not Goals from 2020-06-29T04:00
Jesse continues with part two of the Atomic Budgeting series, applying the concepts in James Clear's Atomic Habits to budgeting and the pursuit of financial freedom.
One of the k...
ListenAtomic Budgeting: Compound Interest from 2020-06-22T04:00
Jesse has become a fan of James Clear's Atomic Habits, in which Clear explains how small changes to your habits can build up to big changes in your life. Naturally, Jesse saw how atomic habits c...
ListenDaily Reconciliation and Gardening from 2020-06-01T04:00
The attentive gardener notices the small things. The way plants grow, flourish, and wither on a daily basis. He knows that weeds are easily dispatched when pulled daily. The gardener plays a lon...
ListenChickens, Fruit Trees, and Trellises from 2020-05-18T04:00
There's something growing at the Mecham household... and it's in the backyard! Jesse confesses he spent a good portion of his paternity leave preparing a garden with a handful of chicks, fruit t...
ListenWindfalls and Uncertainty from 2020-05-11T04:00
After receiving several questions about what to do with windfall money during times of economic uncertainty (like these), Jesse tackles the topic in today’s episode. As always, but especially tr...
ListenYNAB and COVID-19 from 2020-05-04T04:00
Freshly returned from paternity leave, Jesse discusses how YNAB has handled the coronavirus pandemic as a company. As always, his focus and the company's focus has been on giving the best budget...
ListenChasing Value from 2020-04-27T04:00
Jesse examines how the recent panic buying of food, home goods, and other staples highlights the intrinsic value of certain things that we take for granted. When demand for historically safe ass...
ListenWrite That Gem Down! from 2020-04-20T04:00
Jesse muses on the impact the coronavirus will ultimately have on people and their habits. When society reopens, will people return to their previous habits? Or will they grow, having spent thei...
ListenRule Zero Morphs Before Your Very Eyes from 2020-04-13T04:00
Last week Jesse discussed the importance of Rule #1, giving every dollar a job. Rule one is always important, but in uncertain times like these it takes on renewed significance. Jesse has often ...
ListenYou've Never Budgeted At A Time Like This from 2020-04-06T04:00
With the world at a standstill due to the COVID-19 pandemic, one thing is certain. We’ve never budgeted at a time like this!
Jesse offers some comforting words in this time of cr...
ListenThe Commander's Intent from 2020-03-30T04:00
At YNAB there is a document called the Vision Doc, which spells out the “commander’s intent” for the company, how to behave and act on the company’s behalf. Employees must make many decisions on...
ListenDon't Be Average... You Can't Be Anyway from 2020-03-23T04:00
Jesse reads an excerpt from the book The End of Average by Todd Rose. In the late 1940's the Air Force ha...
ListenBudget. No, Budget! from 2020-03-16T04:00
We often talk about the budget as if it’s a noun. Is it “in the budget”? Did you check the budget? When you treat the budget as a noun it takes on a rigid, inflexible quality, like the budget is...
ListenDoing Nothing Is Something from 2020-03-02T05:00
There's a cliche in TV and film whenever something bad happens in a crowd of people, inevitably someone in the crowd shouts "why doesn't someone do something!" This is usually the cue f...
ListenBudgeting for Lady Luck from 2020-02-24T05:00
They are prepared for emergencies, for setbacks, for unexpected life changes. In fact emergencies don’t seem to happen as often to them. YNAB’ers are a lucky set, it seems, but maybe there’s mor...
ListenOpting Out of Credit Cards (A Bit) from 2020-02-17T05:00
In episode 411, Jesse decried the ubiquity of credit cards and the fact that they enjoy a number of benefits that plain old debit cards do not... at the risk of getting yourself in debt. Since t...
ListenScratching the Gambling... Er, "Investing" Itch from 2020-02-10T05:00
Jesse admits he's got an itch to scratch. He likes to invest gamble in the stock market from time to time, using an app that allows him to tra...
ListenOptionality and Managing Your Fixed (or Growing) Expenses from 2020-02-03T05:00
Wealth is not a dirty word. After all, wealth can allow us to do many interesting and fulfilling things with our lives. At the very least, it provides options, opening up the range of p...
ListenOptionality&Why You Should Follow Rule Two Instead of Paying Down Debt from 2020-01-27T05:00
Save money for known future expenses, or pay down debt? It's a challenge many people face while trying to eliminate their debt. It's a conundrum too -- you could take your savings and pay down d...
ListenIncentives and Your 401(k) from 2020-01-20T05:00
Jesse reflects on a Senate bill -- now signed into law as the Setting Every Community Up for Retirement Enhancement (SECURE) Act -- which will require a greater amount of employers to offer 401(...
ListenOpting Out of the Credit Card Game from 2020-01-13T05:00
For better or worse (probably worse), credit cards are a major part of our financial world now. Cash is becoming less and less convenient to use every year, and debit cards continue to lack the ...
ListenJanuary Burndown 2020 from 2020-01-06T05:00
It's time to blow it all up! Every January, Jesse takes time with his family to "blow up" his budget and all the assumptions that drive it. He takes a fresh look at the dollars in the budget, an...
ListenThe YNAB Debt Bootcamp from 2019-12-31T05:00
If you made it through the last few weeks, you know why Jesse hates debt and why you should too!
Start the New Year by putting those feelings into action. Jesse has created a "de...
ListenWhy I Hate Debt Pt. 4: The Corporations from 2019-12-30T05:00
The corporations are playing a game, and you can't win. So opt out and stop playing the game! In the part 4 of the "Why I Hate Debt" miniseries, Jesse explains how behind every credit card is a ...
ListenWhy I Hate Debt Pt. 3: Cost of Opportunity from 2019-12-23T05:00
Jesse hates debt, and you should too! In Part 3 of anti-debt miniseries, Jesse argues that debt is not just a drain on our cash flow and creativity, it also restricts our future opportunities! Listen
Why I Hate Debt Pt. 2: Constraints&Creativity from 2019-12-16T05:00
In Part 2 of the Why I Hate Debt miniseries, Jesse explains why debt is a non-negotiable for him, and why is should be for you too.
At 22 years old, trying to finish his Masters ...
ListenWhy I Hate Debt Pt. 1: Cash from 2019-12-09T05:00
Jesse hates debt, and you should too. Debt service constricts our cash flow, limits out ability to do other things like savings and investing, and generally introduces more stress into our lives...
ListenHandling Wildly Variable Income from 2019-12-02T05:00
Some of you may be thinking, YNAB sounds great, but what if I don't get a regular paycheck? How am I supposed to budget with that?
Well, first off, you definitely need a budget! ...
ListenA Business Podcast? from 2019-11-25T05:00
Jesse is thinking about launching a separate podcast to discuss small business, internet marketing, and how you can use YNAB to manage your business cash flow, and he wants to know what you thin...
ListenSowing the Seeds of FI from 2019-11-11T05:00
"FI" is an acronym that has steadily grown in popularity over the last decade, though the concept is much older than that. It stands for financial independence -- some people call it early retir...
ListenArbitrary Milestones from 2019-11-04T05:00
It's common to set milestones for paying down debt. They're usually big, round numbers like $500, $1k, $5k, $10k. At the end of the day though, the goals are arbitrary. It's just a number, a ste...
ListenCategories Below the Line from 2019-10-28T04:00
How do you order your categories? What's on top? What's on bottom? And how did you decide that?
Categories are easy to order once you understand your priorities. Rent, utilities,...
ListenNickeled and Dimed from 2019-10-21T13:29:04
Why do we become desensitized to the upticks in price of just about everything?
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ListenSure We Could. If We Had To from 2019-10-14T04:00
"We could spend less if we wanted to."
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ListenEveryone's a Lender from 2019-09-30T04:00
Everyone is getting into the lending money game.
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Payday Lender...Apps from 2019-09-23T04:00
Jesse discusses payroll advance apps.
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ListenFixing the Paycheck to Paycheck Cycle from 2019-09-16T04:00
Jesse discusses payroll advances in relation to age of money.
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ListenRule Four and Waistlines from 2019-09-09T04:00
Jesse goes back to basics and breaks down YNAB's Rule Four: Age Your Money
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ListenRule Three is War from 2019-09-02T04:00
Jesse goes back to basics and breaks down YNAB's Rule Three: Roll With The Punches
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ListenRule Two Broken Down from 2019-08-26T04:00
Jesse goes back to basics and breaks down YNAB's Rule Two: Embrace Your True Expenses
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Rule One Broken Down from 2019-08-19T04:00
Jesse goes back to basics and breaks down YNAB's Rule One: Give Every Dollar A Job.
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Singular Focus on the Shovel and its Size from 2019-08-05T04:00
How many dollars are you sending to your retirement fund?
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Testing Rounding Up from 2019-07-29T04:00
Jesse reviews the automated investing app, Acorns.
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Is it Going Up? from 2019-07-22T04:00
The rock solid measure of whether or not you're succeeding
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It's for the Children from 2019-07-15T04:00
Jesse takes issue with a phrase we use when it comes to spending money on children.
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Bonus Episode: Kristy Shen and Bryce Leung Interview from 2019-07-09T04:00
Jesse interview's authors and married couple Kristy Shen, Bryce Leung about their book—available today—Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required.
Should You Start Over from 2019-07-08T04:00
One simple question—should you start your budget over?
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The Clothing Credit Card Experiment from 2019-07-01T04:00
A follow up to episode 331, Sacreligious Budgeting.
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The Ideal Budget from 2019-06-24T04:00
Data and the ideal budget.
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ListenA Report on Manual Entry from 2019-06-17T04:00
A follow up to episode to 365 on manually entering transactions.
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Bulking and Cutting from 2019-06-10T04:00
How is a budget like strength training?
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A Thin Slice of Cheese from 2019-06-03T04:00
There are two sides to every slice of cheese.
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That's Progress from 2019-05-27T04:00
Simple benchmarks for budgeting progress
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Is Wanting It Enough from 2019-05-20T04:00
A road trip, a Tesla and a story about Mr. Money Mustache
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Bonus Episode: Ramit Sethi Interview from 2019-05-14T04:00
Jesse interview's author Ramit Sethi about the update of his 10 year old book, I Will Teach You To Be Rich.
Sign up for a free 34-day trial of YNAB at www.youneedabudg...
Oxygen Masks from 2019-05-13T04:00
Ladies and gentlemen, as we start this episode, please make sure your seat backs and tray tables are in their full upright position
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A Rock and a Hard Place from 2019-05-06T04:00
Stand up for your nonnegotiables.
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It's Just Not Working from 2019-04-29T04:00
Tips for getting over the hurdle of learning to budget.
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ListenInvesting vs Budgeting from 2019-04-22T04:00
A simple look at the approach to investing vs budgeting
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Renting a House is Awesome from 2019-04-15T04:00
The upside to renting.
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Dropping Swears from 2019-04-08T04:00
How is a budget like swearing?
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The Power of Pencil and Paper from 2019-04-01T04:00
We're introducing a new service!
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Hey Nerd Chill from 2019-03-25T04:00
A message for the budgeting nerds
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Check out our bo...
Ep 13 Debt Story: Meet Jonathan and Miranda from 2019-03-21T12:00
Jonathan and Miranda were college sweethearts with $52k in student loans. This is the story of how they paid it all off in just 21 months … and started their family.
ListenHey Free Spirit Here's a Calculator from 2019-03-18T04:00
A message for the free spirit budgeter
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ListenFinancial Wellness by YNAB from 2019-03-11T04:00
A little behind the scenes at YNAB and Jesse asks listeners a favor
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ListenEp 12 Debt Story: Meet Tanya from 2019-03-07T13:00
When Tanya and her husband became parents for the first time, suddenly their financial priorities clicked into place—and, within just 12 months, they’d paid off $31,000 of debt so that they coul...
ListenManual Entry Take Two from 2019-03-04T05:00
Taking another stab at entering transactions one at a time the old fashioned way.
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Cash is a King in Hiding from 2019-02-25T05:00
Stash some cash
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ListenEp 11 Debt Story: Meet Siobhan from 2019-02-21T13:00
Siobhan came to YNAB looking for a solution to her debt—$60k+ in student loans and $16k+ in credit card debt. Flash forward, and she’s on track to pay the last $30k off by next year. What a diff...
ListenThe Allure of Plastic from 2019-02-18T13:00
This is a tinfoil PSA ... perhaps
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Age of Money When it Just Keeps Climbing from 2019-02-11T13:00
Day-old money is stressful!
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Ep 10 Debt Story: Meet Erin from 2019-02-07T13:00
Erin thought that she’d never be able to retire, much less do it comfortably on half of the amount than she previously thought ... but then she found YNAB.
ListenRule Three and Alabama Football a little from 2019-02-04T13:00
How is a budget like a college football game?
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Rule Two the In-Laws are Coming from 2019-01-28T13:00
How is a budget like a visit from the in-laws?
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Rule One in an Afternoon. from 2019-01-21T13:00
How is a budget like a clock?
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Priorities Priorities Priorities from 2019-01-14T13:00
Jesse gets back to basic budgeting talk with a discussion on priorities.
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ListenEp 09 Debt Story: Meet Chelsea from 2019-01-10T13:00
Chelsea and her husband had the wedding of their dreams in Hawaii ... then reality hit. They were $215,000 in debt! Find out how they teamed up to fix their finances.
ListenGoals and a Single Piece of Paper from 2019-01-07T14:20:33
Some advice on annual goals.
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Ep 08 Debt Story: Meet Megan from 2019-01-03T13:00
This is a story of $9 salads and a $12,000 C-Section—and it’s proof that you can fix five-figure debt by paying attention to the little things. It all adds up
ListenAnnual Goals Reviewed Daily from 2018-12-31T13:00
A technique to get those resolutions and goals to stick.
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Moving the Pine Needle from 2018-12-24T13:00
Is there an opportunity this season for you to try something briefly unsustainable to reach a goal?
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Hassle and Bustle from 2018-12-17T13:00
December is a very busy month.
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Student Loan Syndrome: an Interview with Ryan Law from 2018-12-10T13:00
Jesse interviews Dr. Ryan Law, professor of financial counseling at Utah Valley University. They discuss student loan debt.
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ListenNo News is Good News For You from 2018-12-03T13:00
Breaking news: take a news break.
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How to Time the Market from 2018-11-26T13:00
Buy, buy, buy and find out why.
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Thanksgiving 2018: Gratitude Combats Discontent from 2018-11-19T13:00
Jesse encourages you to try a writing exercise this holiday.
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ListenPay Yourself First from 2018-11-12T13:00
Pay yourself first ... and forever
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Big Goals the End from 2018-11-05T13:00
A simpler approach to big goals
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Why is Forecasting Bad from 2018-10-29T12:00
The problem with forecasting money you don't have yet.
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The Subscription Scourge from 2018-10-22T12:00
Subscriptions, subscriptions, subscriptions.
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Tertiary Costs from 2018-10-15T12:00
There can be more to a purchase than the price tag
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The Heirloom Toaster Company from 2018-10-08T12:00
What if you never had to buy another toaster again?
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Listen344 - The DL on BIFL from 2018-10-01T12:00
Buy it once, never replace it and why.
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343 - A Manual Intervention from 2018-09-24T12:00
It's time for a, "Manual Intervention."
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Listen342 - Motivation the Grind from 2018-09-17T12:00
Sometimes the slog is real, the motivation is waning and you are grinding. What do you do in those situations to keep your head above water?
Listen340 - FOMO from 2018-08-27T12:00
Do you fear you've missed out on budgeting?
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ListenYNAB Interview with Mike Michalowicz from 2018-08-21T12:00
Jesse talks with Mike Michalowicz, author of Clockwork: Design Your Business to Run Itself—a book about how to stop sacrificing family, friendships and freedom for the sake of your business.
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338 - Budgeting is Spending from 2018-08-13T12:00
Budgeting is spending; nothing more, nothing less.
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Listen337 - Taking a Vacation from Budgeting from 2018-08-06T12:00
How about a vacation from budgeting?
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ListenDebt Stories: Taking A Break from 2018-08-02T12:00
We're taking a break to produce season 2 of Debt Stories. In the meantime check in every Monday for the YNAB Podcast. You can also catch up on any episodes you may have missed and please share with...
Listen336 - Better Halves and Budgets from 2018-07-30T12:00
It's ok if you and your partner don't think about money the same way
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ListenEp 07 Debt Story: Meet Jennifer from 2018-07-26T12:00
She used to buy every gadget that crossed her path. Now, her cousin calls her “the Queen of Cheap.”—learn how Jennifer paid off all of her student loans and most of her credit card debt, and pur...
Listen335 - Money Stops, Obligations Keep Coming from 2018-07-23T12:00
Obligations remain despite life-changing circumstances.
ListenEp 06 Debt Story: Meet Sydney from 2018-07-19T12:00
This family of four lives in Downsville, Utah. When her husband lost his accounting job, they turned to the credit card. When they hit a $15,000 balance, she discovered YNAB ...
...
Listen334 - Parenting is Hard, Not Expensive from 2018-07-16T12:00
Jesse expounds on his stance of not paying for his children's college education
ListenEp 05 Debt Story: Meet Brittany from 2018-07-12T12:00
This family of four in Marietta, Georgia, had racked up $263,000 of debt—a number that used to keep Brittany awake at night (and that was before the job losses). Still, they made it work.
332 - Antifragile Finances from 2018-07-09T12:00
Some things get better when they experience shock
ListenEp 04 Debt Story: Meet Daniel from 2018-07-05T12:00
He and his wife paid off $30,000 of debt in three years. It was all about choices—find out whether they picked air conditioning or Amazon Prime.
Find more information at Listen
333 - Lowering the Baseline from 2018-07-02T12:00
Jesse discusses a conversation he has with a friend about whether or not they should pay off their house.
ListenEp 03 Debt Story: Meet Andy&Melissa from 2018-06-28T12:00
He’s a pastor, and she’s a stay-at-home mom. With five kids and $30,000 in debt, stress levels were high. Find out how a spice jar solved their money problems.
Find more informat...
Listen330 - Is Eating Out Eating Your Budget? from 2018-06-25T20:27:04
Eating out can have a big impact on your budget. Are we spending too much on restaurants and takeout?
ListenEp 02 Debt Story: Meet Tom from 2018-06-21T12:00
Find out how an IT business analyst from Kenton, Michigan, realized that it was cheaper to quit his job!
Find more information at http://ynab.com/deb...
331 - Sacreligious Budgeting from 2018-06-18T15:03:39
An unconventional experiment to deal with a clothing category
ListenEp 01 Debt Story: Meet Angela from 2018-06-14T12:00
Angela’s family slowly sipped their way through to-go coffees until they’d reached a staggering $85,000 in debt. Just kidding, they bought a house and a pink Toyota, too. Find out how they paid ...
Listen329 - When the Emergency Fund's Gathering Dust, and Why from 2018-06-11T12:00
The emergency fund that's gathering dust.
Listen328 - Why Only Budget What You Have? from 2018-06-05T00:45:13
Why do we have people only budget what they have? Even in the surest of sure employment situations?
Listen326 - Renting vs. Buying from 2018-05-21T12:00
Everyone has a cabin. Shouldn't I? And other silly questions that are hard to answer.
Listen325 - Blind Obedience and All Its Benefits from 2018-05-14T12:00
A mini-report one one of my New Year's resolutions, and what I've learned being blindly obedient.
Listen324 - Material Joy from 2018-05-07T12:00
What's the purpose of that fridge? Knife? Car? Bike? Boat? House? A stroll and ramble through this question of joy and material things.
Listen323 - How to Retire and Move to the Woods Fulltime from 2018-04-30T12:00
An interview with Ms. Frugalwoods. (I LOVED this book!)
Listen322 - Buyer's Remoreselessness from 2018-04-23T12:00
Which items have you purchased that have created buyer's remorselessness.
Listen320 - Where Has Zero Gone? from 2018-04-09T12:00
Just don't walk past zero into debt. Get comfortable with zero.
Listen317 - The Greatest Showman from 2018-03-19T12:00
What you learn from the junior partner in "The Greatest Showman"
Listen316 - "The Mexican Fisherman" from 2018-03-12T12:00
A little story about a man and his boat. And an investment banker.
Listen315 - Savings: Undetected. from 2018-03-05T13:00
A little experiment to amass a lot of money.
Listen314 - What do you mean, means? from 2018-02-26T13:00
How you define means makes all the difference.
Listen313 - Non-Negotiables from 2018-02-19T13:00
The biggest non-negotiable expense ever. And you're probably ignoring it.
Listen312 - MASH from 2018-02-12T13:00
Amazing what a little perspective shift gives you. Where do you get your perspective shifted?
Listen311 - All Mixed Up, Don't Know What to Do from 2018-02-05T17:00
A call to get organized, simplify, and reduce the financial cruft in your life.
Listen310 - Pay Yourself First from 2018-01-29T13:00
Inspired by my favorite personal finance book, "The Richest Man in Babylon"
Listen309 - You Have a Spending Problem from 2018-01-22T13:00
That's right. If you're average (and you are), then you have a spending problem--not an income problem.
Listen308 - Taxes Tax Your Take Terribly from 2018-01-15T13:00
This is a PSA to remind you that taxes are your life's single biggest expense.
Listen307 - "I Want A 100-Foot Boat" from 2018-01-08T13:00
Maybe that "pipe dream" goal isn't so far off afterall.
Listen306 - My Favorite Time of Year from 2018-01-01T13:00
My favorite time of year is January. New year, new you.
Listen305 - Merry Christmas, A Gift You Can Give Me :) from 2017-12-25T13:00
Merry Christmas! That is all.
Listen304 - Going Back to Your Roots from 2017-12-18T13:00
What are your roots, and how to strengthen them in times of stress
ListenBONUS - A Conversation with Celia Benton from 2017-12-13T13:00
BONUS - A Conversation with Mitchel Burton from 2017-12-12T13:00
BONUS - A Conversation with Matthew Dricci from 2017-12-11T13:00
BONUS - A Conversation with Jonathan Dale from 2017-12-08T13:00
A Series of conversations with the real-life success stories featured in Jesse's new book, You Need A Budget—The Book, now available for pre-order!
ListenBONUS - A Conversation with Holly MacKenzie from 2017-12-07T13:00
BONUS - A Conversation with Dan Kellermeyer from 2017-12-06T13:00
302 - The Costs of "Settling In" from 2017-11-27T13:00
Settle in fast, because it's expensive not to.
Listen301 - Black Friday Cometh from 2017-11-20T13:00
Set Some Rules. Have Fun. (And take advantage of our Black Friday deal --this year only!)
Listen300 - Planned Spontaneity from 2017-11-13T13:00
299 - Experiences? Priceless. from 2017-11-06T13:00
Experiences over material things. Coming at you from New York.
Listen298 - Loose Change, or Lose Change? from 2017-10-30T12:00
At what point should you stop tracking cash?
Listen297 - Do I Still Need a Budget? from 2017-10-23T12:00
Is there a point where you no longer really need a budget?
Listen296 - It's Beginning to Look a Lot Like Christmas from 2017-10-16T12:00
It's beginning to look a lot like Christmas...does your budget look like it as well?
Listen294 - When's a Good Time to (re)Start Budgeting? from 2017-10-02T12:00
When's a good time to start budgeting? Or start building any new habit?
Listen293 - Is there Good Debt? from 2017-09-25T12:00
Is there such a good thing as good debt? Yes. Though it also can become bad if you aren't careful.
Listen292 - Saving Kids from College from 2017-09-18T12:00
Maybe if we just didn't treat student loan as a viable option for paying for college...
Listen291 - Identity Theft Protection and You...? from 2017-09-11T12:00
How to protect your identity without paying for an expensive monitoring service.
Listen290 - Millenial Money!!!! from 2017-09-04T12:00
Millennial Money advice is the same as every generation's money advice.
Listen289 - Headed to New York from 2017-08-28T12:00
I'm scared and excited to live in New York for a while.
Listen287 - Looking Ahead (Mobile!) from 2017-08-14T12:00
Where I discuss our new mobile apps, and why.
Listen286 - Materiality from 2017-08-07T12:00
Different partners may have different levels of budget materiality. What it is, and how to navigate it.
Listen284 - Wired to Acquire from 2017-07-24T12:00
We're programmed to amass, hoard, acquire. What do you do to combat that?
Listen283 - The Debt Consolidation Myth from 2017-07-17T12:00
The launch of YNAB's new 80/20 guide, "The Debt Consolidation Myth"
Listen282 - Going Back to Granular from 2017-07-10T12:00
Our epic failure to be less granular, and how I'm getting back to it with our own personal budget.
Listen281 - Left-Handed from 2017-07-03T12:00
Sometimes starting something as a beginner again is just what you need for reinvigorating the budget.
Listen280 - Watering to Death from 2017-06-26T12:00
Can too much of a good thing become a bad thing?
Listen279 - Watering the Sidewalk from 2017-06-19T12:00
What are we doing when we water the sidewalk, but when we're really talking about budgeting?
Listen277 - Cold Showers from 2017-06-05T12:00
A discussion of the book "What Doesn't Kill Us" and why I'm now taking ice cold showers.
Listen275 - Deep Work from 2017-05-22T18:05:22
An Interview with an author of a book that changed my life and is required reading for the entire YNAB team. Every year.
Listen274 - Unearthed Priorities from 2017-05-15T16:00
It turns out when you peel back the priorities onion, the core of it a lot of times is an experience, not an item.
Listen272 - Settling in With Stuff from 2017-05-01T12:00
Is it possible to just settle in with your stuff and avoid some of the churn involved in repeat purchasing?
Listen271 - The Herloom Toaster from 2017-04-24T12:00
All I wasn't is a toaster I can pass on to my children.
Listen270 - Ownership Overhead from 2017-04-17T12:00
When you're buying something, you're also tacking a bunch of todos on to your list.
Listen269 - The Cost of Ownership from 2017-04-10T12:00
When you're buying something, you're buying so much more.
Listen268 - 1-844-YNAB-ING from 2017-03-27T12:00
Listen267 - Your Debt Is Gonna Bury You from 2017-03-20T12:00
Listen266 - Target Trouble from 2017-03-13T12:00
Listen265 - Overspending from 2017-03-06T17:00
Listen264 - Just A Budget Meeting from 2017-02-27T13:00
Listen263 - Expenses Oh No from 2017-02-20T13:00
Listen262 - Budget More from 2017-02-13T13:00
Listen261 - Month One! In the Books! from 2017-02-06T13:00
260 - Getting a Reluctiant Partner on Board from 2017-01-30T13:00
In getting a reluctant partner on board with budgeting, you've got to play the long game.
Listen259 - Why Most People Quit Budgeting from 2017-01-23T13:00
There's one reason why people quit budgeting (and most anything else).
Listen258 - How To Start Over from 2017-01-16T13:00
With budgeting, the key might be to start over.
Listen257 - Resolutioin-Proofing Your Budget from 2017-01-09T13:00
256 - Merry Christmas from 2016-12-26T13:00
255 - Support Amids the Holiday Chaos from 2016-12-19T13:00
254 - A Quick Look Back, and Talking About Going Forward from 2016-12-12T13:00
253 - Budgeting is Boring. Let's All Just Admit That. from 2016-12-05T13:00
252 - Growing Old Together with Your Crazy Money from 2016-11-28T13:00
How the age of your money becomes even more important when your income has a wild side.
Listen251 - Rule Two With a Wild Income from 2016-11-21T13:00
Rule Two times two (or three, or four) when it comes to a variable income.
Listen250 - Can I Afford It? Yes! Oh...Wait from 2016-11-14T13:00
A question for the eternities: Can I afford this?
Listen249 - Budget Fails with Variable Income from 2016-11-07T13:00
Why does variable income make budgeting so tough? Because we're budgeting wrong.
Listen248 - March to Your Own Drum from 2016-10-31T12:00
It's your money (read: life), so march to your own drum.
Listen247 - When the Money Itself Becomes a Priority...Watch Out. from 2016-10-25T01:01:32
If the balance in your account has morphed into its own priority, do a bit of a sanity check.
Listen245 - Budgets&Butlers from 2016-10-10T12:00
Your budget is your deferential butler. Don't you agree, sir?
Listen244 - We're Doing Workshops Now from 2016-10-03T12:00
We have workshops! You should give one a shot.
Listen243 - A 100% Remote Company. And You Can Too. from 2016-09-26T12:00
How do you accomplish anything? Be thoughtful about what you want, and intentional about how to get it.
Listen242 - But It's MY Car from 2016-09-19T12:00
My irrational reaction to not having my own car for 24 hours. What are yours?
Listen241 - Cash for the Next House from 2016-09-12T12:00
Here's the #1 reason to pay cash for your next house.
Listen240 - What Learning YNAB Looks Like from 2016-09-05T12:00
Stops, Starts, and Struggles. Be patient with yourself as you learn the YNAB Way.
Listen239 - Blank Slate from 2016-08-29T12:00
Blank slating in life, and in budgeting, can be super insightful.
Listen238 - Outsourcing from 2016-08-22T12:00
I've outsourced my fitness and nutrition. What about money?
Listen237 - Thinking Aloud About "To Be Budgeted" from 2016-08-15T12:00
Making a number less confusing.
Listen235 - The Simple Path to Wealth from 2016-08-01T12:00
It really is a simple path. And J L Collins knows how to navigate it.
Listen234 - Deep Work for Dialed In Priorities from 2016-07-25T12:00
233 - One of the Richest Men in the World was a Bookkeeper from 2016-07-18T12:00
232 - Treat Yourself from 2016-07-11T12:00
231 - When You're Paid Every Day from 2016-07-04T12:00
230 - Budgeting with a Partner from 2016-06-27T12:00
YNAB CCO, Todd Curtis, and I talk about couples and money, and why we recommend joining forces.
Listen229 - Simplify: Decision Fatigue from 2016-06-20T12:00
YNAB CCO, Todd Curtis, and I discuss an argument for (and solid research backing) the idea of simplifying.
Listen228 - Think Long, Act Now: Focus&Start Now from 2016-06-13T12:00
YNAB Chief Customer Officer, Todd Curtis, and I discuss focusing on long term goals by looking at the here and now.
Listen227 - A Report on Our "Cash is King" Budget from 2016-06-06T12:00
A report on our "Cash is King" budget where I talk about the ups and downs experienced so far.
Listen226 - Cars and the Identities that Drive Them from 2016-05-30T12:00
What kind of identity do you have wrapped up in your car? Just something to think about.
Listen225 - Moments that Force You to Question Your Priorities from 2016-05-27T13:37:17
The budget should force a "revisiting" of priorities without necessarily having your hand forced externally.
Listen224 - Think Long, Act Now: Savings&Your Budget from 2016-05-16T12:00
Why saving for its own sake can be dangerous.
Listen223 - Deal w/ your Debt: Be Strategic from 2016-05-09T12:00
The end all be all strategy for paying down your debt.
Listen222 - Deal w/ your Debt: Changing Habits from 2016-05-04T11:56:23
Steps to take before you take steps to pay down your debt.
Listen221 - Interview with Author of "Odds On" Matt Hall from 2016-04-25T12:00
I talk with evidence-based investing advisor Matt Hall about, you guessed it, investing.
Listen220 - Retreat! Retreat! from 2016-04-22T12:26:30
The ultimate experience as it relates to "Save up for it."
Listen219 - Is Cash King? from 2016-04-11T12:00
218 - Quarter In Review from 2016-04-05T17:02:52
217 - How Will You Feel When... from 2016-03-28T12:00
Listen
216 - The Opposite of Spoiled from 2016-03-21T12:00
Listen
215 - Managing Money Less from 2016-03-14T12:00
214 - One Year Same As Cash from 2016-03-07T13:00
Listen
213 - Interview with Adam Carroll, Student Loan Expert from 2016-02-29T13:00
Listen
208 - MVP from 2016-01-25T20:14:43
Listen
207 - Goals, Goals, Goals from 2016-01-18T13:00
Listen
206 - January vs December from 2016-01-11T13:00
Listen
205 - I Changed My Mind from 2016-01-04T13:00
204 - My New Baby from 2015-12-28T13:00
203 - Twas the Night Before Christmas from 2015-12-21T13:00
202 - Delayed Gratification from 2015-12-18T18:03:16
Don't worry. You've been saving up for this!
Listen201 - A Container for Your Money from 2015-12-07T13:00
200 - Perfect for Procrastinators from 2015-11-30T13:00
Listen
199 - You Don't Have to be Frugal from 2015-11-23T13:00
198 - A Budget Bucket List from 2015-11-16T13:00
197 - What's the Difference Between YNAB and Mint? from 2015-11-09T13:00
196 - Save Something from 2015-11-02T13:00
195 - The Four Disciplines of Execution from 2015-10-26T12:00
Listen
194 - Question Everything from 2015-10-19T12:00
Listen
193 - Lump Sums (Like a Student Loan) from 2015-10-12T12:00
Listen
192 - To Automate or Not To Automate, That is the (Lame) Question from 2015-10-05T12:00
191 - What If You Didn't Have Reports? from 2015-09-28T12:00
Listen
190 - The Value of a Fresh Start from 2015-09-21T12:00
189 - Map Your Progress from 2015-09-14T12:00
188 - College Is In Session! from 2015-09-07T12:00
187 - Changing Seasons, Changing Priorities from 2015-08-31T12:00
186 - Mechams Unplugged from 2015-08-24T04:00
185 - Saving Without a Purpose Isn't Saving At All from 2015-08-17T04:00
184 - Pay Off Debt or Save First? from 2015-08-10T04:00
Listen
183 - Bills Are Paid...Now What? from 2015-08-03T04:00
182 - Dealing with Your Financial Scar Tissue from 2015-07-27T04:00
181 - Meet Carrie, A Brand New YNAB User from 2015-07-20T04:00
180 - Why I'm on the Fence About Paying for College from 2015-07-13T04:00
179 - Decision Fatigue from 2015-07-06T04:00
178 - The Bucket List from 2015-06-29T16:00
177 - Guilt-free spending from 2015-06-22T04:00
176 - Is that Budget Half Empty, or Half Full? from 2015-06-15T04:00
175 - The Dashmat Principle from 2015-06-08T04:00
174 - Learn From Data, Don't Live For It from 2015-06-01T04:00
173 - Pick a Card, Just One Card from 2015-05-25T04:00
172 - Put Your Bills On Auto-Pilot from 2015-05-18T04:00
171 - Close An Account, Then Another from 2015-05-11T04:00
170 - Simplicity Matters from 2015-05-04T04:00
169 - Pruning from 2015-04-27T04:00
When it comes to lasting, positive financial change, don't do what I did.
Listen168 - Quarterly Checkup from 2015-04-20T04:00
It's that time of year for you to do a quick pause and evaluation. It'll do you good.
Listen167 - The Gift of Tax Season from 2015-04-13T04:00
Windfall schmindfall. Just fall back on Rule One.
ListenSpecial 03: Interview with Carl Richards - Self-Awareness from 2015-04-07T04:00
166 - Punching With the Rolls from 2015-04-06T04:00
Special 02: Interview with Carl Richards - Goals&Guessing from 2015-03-31T04:00
165 - Who's on First? from 2015-03-30T04:00
Special 01: Interview with Carl Richards - Why? from 2015-03-24T04:00
164 - There's No Party Like a Budgeting Party from 2015-03-23T04:00
163 - You Need Your Space from 2015-03-16T04:00
162 - Make It Joint from 2015-03-09T04:00
161 - Lay it All on the Table from 2015-03-02T05:00
160 - This One's for the Lovers from 2015-02-23T05:00
159 - Your Money or Your Life from 2015-02-16T05:00
A shoutout to a classic that everybody should read.
Listen158 - YNAB's 10 Year Anniversary from 2015-02-09T05:00
A look back, with an anniversary four months late.
Listen157 - When You're Spending More than You Bring In from 2015-02-02T05:00
Then budgeting is even more important.
Listen155 - Creating a Gasoline Hedge from 2015-01-19T14:36:36
Don't fritter away the temporary savings of low gas prices!
Listen154 - The Reset from 2015-01-13T03:57:22
The new year is a great time to hit that Reset Button. One category at a time.
Listen151 - Retirement is Rule Two from 2014-12-22T05:00
The biggest rainy day you have is when you retire. Old-timer. ;)
Listen150 - Finding the Best Personal Finance Software from 2014-12-15T05:00
There are Four Rules to YNAB's Method, but One Rule to rule them all.
Listen149 - Android App Overhaul from 2014-12-08T15:24:44
The Android app looks great! It's available by the end of the day today for a free update. Listen
148 - Peeling Away the Emergency Onion from 2014-12-01T05:00
147 - Buying in to Tesla from 2014-11-24T05:00
Listen
146 - Dealing With Downs from 2014-11-17T05:00
145 - Money is... from 2014-11-10T05:00
144 - PACE a New Book from 2014-11-03T12:37:58
143 - Content in the Moment from 2014-10-27T04:00
Facing the right direction brings peace. With pace playing second fiddle.
Listen142 - Frugality is Boring from 2014-10-20T04:00
Listen
141 - Living Within Your Means, Means Opportunity. from 2014-10-13T15:13:07
Living within your means frees up cash for saving or getting out of debt, but it is so much more than just that.
Listen140 - Sometimes the Key is to Make More Money from 2014-10-07T01:48:36
139 - Simplicity. An Interview with Dave, a YNAB Team Member from 2014-09-29T20:02:49
You have permission to keep it simple. Challenging assumptions.
Listen138 - Scarcity, and Why I Love It from 2014-09-22T14:42:19
The one thing we don't talk about regarding debt, is that it kills scarcity. Scarcity helps you. Listen
137 - Good Debt, Bad Debt from 2014-09-16T04:29:08
After a little YNABer feedback, I've decided to revise and extend my remarks on debt…focusing on good debt versus bad debt.
Listen136 - Your One Priority from 2014-09-08T13:29:06
We talk a lot about priorities. here's my view on getting out of debt, as your single priority.
Listen135 - Who's the Crazy Extreme One? from 2014-09-01T04:00
It's that age-old habit of humanity where we judge others quickly, but rarely examine our own insane behaviors.
Listen134 - YNAB for iPad is here from 2014-08-25T12:46:38
YNAB for iPad is here. It's great. It's free.
Listen133 - Stop from 2014-08-18T04:00
If something is really complicating YNAB for you, maybe stop doing that thing?
Listen131 - My Semi-Annual Review from 2014-08-04T04:00
A promise to Julie, and some advice for business owners (and everyone).
Listen130 - Make a Fresh Start from 2014-07-28T04:00
There's no shame in it. If you've quit YNAB, get started again. We've made the restart easy.
Listen129 - Kids&Money from 2014-07-21T12:07:22
I may be pulling YNAB out of the equation for our kids and their money.
Listen128 - Blackberries in August from 2014-07-14T04:00
A financial lesson learned in the Arizona summer heat, while picking blackberries for my dad, whe...
Listen127 - Clarity, Scarcity&Forecasting from 2014-07-07T04:00
A few thoughts on forecasting, scarcity, and clarity.
Listen126 - Emergency Mode from 2014-07-01T05:31:54
When you're in emergency mode, suddenly every purchase is justifiable. How do you avoid this flawed thinking?
Listen125 - Tracking Time from 2014-06-23T04:00
I want to make some changes to how I spend my time. You can guess where this is going.
Listen124 - PACE from 2014-06-17T11:49:58
Announcing a new "division" of YNAB, designed specifically for small business owners.
Listen123 - Track What You Want to Change from 2014-06-09T04:00
The title says it all. If you don't want to change it, maybe you don't need to track it.
Listen122 - Consumption vs. Creation from 2014-06-02T04:00
Create more than you consume, and develop a bias toward action.
Listen121 - Chasing Credit Card Points from 2014-05-26T04:00
Beware the tendency to not scrutinize your credit card point purchases.
Listen120 - Getting Things Done from 2014-05-19T04:00
Totally off-topic, but maybe till'll resonate with you. How I manage my To Dos.
Listen119 - Well, Now What Do I Do? from 2014-05-12T04:00
When something financially unexpected happens, we all ask ourselves this s...
Listen118 - Disneyland and Assumptions from 2014-05-06T12:32:54
We spent a week at Disneyland, and I learned a few things about questionin...
Listen117 - How I Use Notes from 2014-04-28T04:00
YNAB's Notes feature is as flexible as your imagination. Let it run wild!
Listen116 - Asserting Your Authority from 2014-04-21T17:37:57
Perhaps generosity benefits the giver in ways not previously considered.
Listen115 - Changing Your Status Quo with Extreme Behavior from 2014-04-07T04:00