Podcasts by The YNAB Podcast

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

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The YNAB Podcast
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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Giving 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...

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The YNAB Podcast
It 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...

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The YNAB Podcast
You 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...

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The YNAB Podcast
Building 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:<...

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The YNAB Podcast
BONUS: 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 ...

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The YNAB Podcast
Joy 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...

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The YNAB Podcast
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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Guilty 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:

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The YNAB Podcast
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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Ask 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:

askj...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
An 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...

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The YNAB Podcast
When 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...

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The YNAB Podcast
Money 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 ...

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The YNAB Podcast
Rules 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...

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The YNAB Podcast
How 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...

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The YNAB Podcast
Managing 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...

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The YNAB Podcast
How 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.

 

...

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The YNAB Podcast
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 ...

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The YNAB Podcast
One 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...

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The YNAB Podcast
This 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...

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The YNAB Podcast
A 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...

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The YNAB Podcast
Paying 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...

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The YNAB Podcast
Rule 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...

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The YNAB Podcast
Rule 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...

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The YNAB Podcast
Rule 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 ...

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The YNAB Podcast
Rule 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...

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The YNAB Podcast
A 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:

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The YNAB Podcast
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....

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The YNAB Podcast
Giving 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...

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The YNAB Podcast
Paid 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...

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The YNAB Podcast
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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Rule 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...

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The YNAB Podcast
Expensive 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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Rule 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...

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The YNAB Podcast
Debit 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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
One 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:

askjesse@...

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The YNAB Podcast
A 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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Now 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...

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The YNAB Podcast
Don'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...

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The YNAB Podcast
A 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...

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The YNAB Podcast
Every 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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
You 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...

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The YNAB Podcast
The 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...

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The YNAB Podcast
Rule 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...

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The YNAB Podcast
What'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!

...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
The 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...

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The YNAB Podcast
When 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...

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The YNAB Podcast
Rule 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 ...

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The YNAB Podcast
EP 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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Budgeting 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...

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The YNAB Podcast
EP 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...

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The YNAB Podcast
Simple 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...

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The YNAB Podcast
Breaking 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...

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The YNAB Podcast
Nail 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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Lessons 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...

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The YNAB Podcast
Ask 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'...

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The YNAB Podcast
That 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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Budgeting 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...

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The YNAB Podcast
Ask 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 ...

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The YNAB Podcast
Debt 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...

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The YNAB Podcast
What 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 ...

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The YNAB Podcast
Ask 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 ...

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The YNAB Podcast
Mid-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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Revisiting 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...

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The YNAB Podcast
How 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...

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The YNAB Podcast
Ask 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 ...

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The YNAB Podcast
A 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...

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The YNAB Podcast
Better 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...

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The YNAB Podcast
Ask 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 ...

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The YNAB Podcast
Savings 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 ...

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The YNAB Podcast
EP16 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 ...

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The YNAB Podcast
Meet 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...

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The YNAB Podcast
EP15 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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
So You Want to Renovate Your Home... from 2022-03-14T06:00:59

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The YNAB Podcast
15 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...

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The YNAB Podcast
EP14 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...

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The YNAB Podcast
Master 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...

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The YNAB Podcast
A 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...

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The YNAB Podcast
Budget 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...

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The YNAB Podcast
Ask 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...

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The YNAB Podcast
Ask 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.

 

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Real 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...

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The 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 ...

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Take 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...

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Budget 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...

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EP13 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,"...

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Celebrating 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...

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Ask 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?

 

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Meet 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 ...

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Ask 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 ...

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Don'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 ...

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Ask 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...

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Adapt 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...

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Ask 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?

 

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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 ...

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The YNAB Podcast
EP12 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...

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18 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...

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Money 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 ...

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Throw 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...

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The 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...

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Your 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...

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Once 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 ...

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The 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...

 

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From 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 ...

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Tik 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...

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Should 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...

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The YNAB Podcast
How 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...

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Investing 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...

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The YNAB Podcast
Building 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...

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The YNAB Podcast
Investing 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...

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The YNAB Podcast
You 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...

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The YNAB Podcast
Financial 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...

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The YNAB Podcast
The 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...

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Behind 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...

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The YNAB Podcast
How 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...

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The YNAB Podcast
Behind 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...

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The YNAB Podcast
Back 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...

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Behind 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.

 

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Meet 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...

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Behind 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...

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EP10 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...

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Behind 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...

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Mom 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...

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The YNAB Podcast
Behind 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....

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The YNAB Podcast
Meet 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 ...

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Behind 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....

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The YNAB Podcast
James 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...

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The YNAB Podcast
Dear 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 ...

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The YNAB Podcast
Hannah 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...

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The YNAB Podcast
You'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...

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The YNAB Podcast
A 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 ...

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EP09 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...

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How 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 ...

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The YNAB Podcast
Uh, 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...

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EP08 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...

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After 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!

 

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Jean 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 ...

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6 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!

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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...

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Closing 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...

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Introducing 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...

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Get 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...

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Rebroadcast -- 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...

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Meet 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...

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Identity 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...

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Installment Plans and Future You from 2021-05-17T06:00

Jesse does NOT like payment plans, and neither should you!

 

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EP07 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...

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Taking 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...

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YNAB 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...

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YNAB 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!

 

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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...

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YNAB 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!

 

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Set 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...

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EP06 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 ...

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Own 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...

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Student 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 ...

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How 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 ...

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How 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...

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What 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...

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How 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...

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Budgeting 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...

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EP05 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...

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The 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...

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Optimizing 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...

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Know 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...

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Here'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!

 

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House 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...

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EP04 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,...

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How 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...

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Jesse 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

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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...

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How 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...

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Four 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.

  1. They have a cadence for checking their money. These people  regularly check-in with thei...

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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...

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039 - 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.

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What 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.

 

<...

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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...

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EP03 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 (...

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3 Ways to Curb Your Money Spending Problem from 2021-01-11T05:00

Jesse offers three ways to stop spending money and kickstart your savings:

  1. Designate a "no spend" day. Pick a day of the week where you will deliberately spend NO m...

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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...

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The YNAB Podcast
This 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 ...

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The YNAB Podcast
EP01 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...

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The YNAB Podcast
Join 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: 

  1. Write down every single thing you spend money on. You can do this in YNA...

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The YNAB Podcast
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...

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The YNAB Podcast
Terry 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...

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The YNAB Podcast
Big 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...

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The YNAB Podcast
Tackling 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...

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The YNAB Podcast
YNAB 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...

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The YNAB Podcast
Think 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...

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The YNAB Podcast
Budgeting 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...

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The YNAB Podcast
Contribution 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....

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The YNAB Podcast
You 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. ...

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The YNAB Podcast
Just 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...

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The YNAB Podcast
Never 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 ...

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The YNAB Podcast
Are 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...

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The YNAB Podcast
Lifestyle 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...

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The YNAB Podcast
Mindfulness 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...

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The YNAB Podcast
Progress 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...

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The YNAB Podcast
The 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...

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The YNAB Podcast
Books 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...

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The YNAB Podcast
Books 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...

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The YNAB Podcast
Meet 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...

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The YNAB Podcast
The 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...

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The YNAB Podcast
COVID 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...

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The YNAB Podcast
YNAB 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...

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The YNAB Podcast
Atomic 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 ...

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The YNAB Podcast
Atomic 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...

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The YNAB Podcast
Atomic 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...

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The YNAB Podcast
Atomic 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...

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The YNAB Podcast
Atomic 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...

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The YNAB Podcast
Daily 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...

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The YNAB Podcast
Chickens, 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...

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The YNAB Podcast
Windfalls 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...

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The YNAB Podcast
YNAB 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...

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The YNAB Podcast
Chasing 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...

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The YNAB Podcast
Write 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...

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The YNAB Podcast
Rule 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 ...

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The YNAB Podcast
You'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...

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The YNAB Podcast
The 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...

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The YNAB Podcast
Don'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...

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The YNAB Podcast
Budget. 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...

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The YNAB Podcast
Wait! from 2020-03-09T04:00

Money is made to spend. We all want something, and that something usually costs money. Some of the “wants” are fleeting desires, spurred by mood or peer pressure or perhaps just a whim. Other “w...

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The YNAB Podcast
Doing 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...

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The YNAB Podcast
Budgeting 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...

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The YNAB Podcast
Opting 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...

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The YNAB Podcast
Scratching 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...

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The YNAB Podcast
Optionality 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...

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The YNAB Podcast
Optionality&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...

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The YNAB Podcast
Incentives 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(...

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The YNAB Podcast
Opting 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 ...

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The YNAB Podcast
January 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...

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The YNAB Podcast
The 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...

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The YNAB Podcast
Why 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 ...

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The YNAB Podcast
Why 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

The YNAB Podcast
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 ...

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The YNAB Podcast
Why 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...

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The YNAB Podcast
Handling 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! ...

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The YNAB Podcast
A 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...

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The YNAB Podcast
Why? from 2019-11-18T05:00

Jesse asks the most important question about your reasons for getting out of debt, saving money, and achieving your financial goals. Why?

 

Why do you do it? What's the reason behi...

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The YNAB Podcast
Sowing 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...

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The YNAB Podcast
Arbitrary 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...

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The YNAB Podcast
Categories 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,...

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The YNAB Podcast
Nickeled 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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The YNAB Podcast
Sure We Could. If We Had To from 2019-10-14T04:00

"We could spend less if we wanted to."

 

 

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The YNAB Podcast
2FA FTW from 2019-10-07T04:00

New feature alert: two factor authentication

 

 

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The YNAB Podcast
Everyone's a Lender from 2019-09-30T04:00

Everyone is getting into the lending money game.



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The YNAB Podcast
Payday Lender...Apps from 2019-09-23T04:00

Jesse discusses payroll advance apps.

 

 

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The YNAB Podcast
Fixing the Paycheck to Paycheck Cycle from 2019-09-16T04:00

Jesse discusses payroll advances in relation to age of money.

 

 

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The YNAB Podcast
Rule 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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The YNAB Podcast
Rule 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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The YNAB Podcast
Rule 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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The YNAB Podcast
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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The YNAB Podcast
DIY FTW from 2019-08-12T04:00

How do we curb the immediacy bias with DIY?

 

 

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The YNAB Podcast
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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The YNAB Podcast
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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The YNAB Podcast
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.


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The YNAB Podcast
Should You Start Over from 2019-07-08T04:00

One simple question—should you start your budget over?


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The YNAB Podcast
The Clothing Credit Card Experiment from 2019-07-01T04:00

A follow up to episode 331, Sacreligious Budgeting.


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The YNAB Podcast
The Ideal Budget from 2019-06-24T04:00

Data and the ideal budget.

 

 

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The YNAB Podcast
A Report on Manual Entry from 2019-06-17T04:00

A follow up to episode to 365 on manually entering transactions.


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The YNAB Podcast
Bulking and Cutting from 2019-06-10T04:00

How is a budget like strength training?


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The YNAB Podcast
A Thin Slice of Cheese from 2019-06-03T04:00

There are two sides to every slice of cheese.



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The YNAB Podcast
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.



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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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Investing 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...

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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.

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Hey Free Spirit Here's a Calculator from 2019-03-18T04:00

A message for the free spirit budgeter

 

 

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Financial 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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Ep 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...

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Manual 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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Ep 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...

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The 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.

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Rule 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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Ep 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.

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The YNAB Podcast
Goals and a Single Piece of Paper from 2019-01-07T14:20:33

Some advice on annual goals.



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The YNAB Podcast
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

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The YNAB Podcast
Annual Goals Reviewed Daily from 2018-12-31T13:00

A technique to get those resolutions and goals to stick.


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The YNAB Podcast
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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The YNAB Podcast
Hassle and Bustle from 2018-12-17T13:00

December is a very busy month.



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The YNAB Podcast
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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The YNAB Podcast
No News is Good News For You from 2018-12-03T13:00

Breaking news: take a news break.



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The YNAB Podcast
How to Time the Market from 2018-11-26T13:00

Buy, buy, buy and find out why.



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The YNAB Podcast
Thanksgiving 2018: Gratitude Combats Discontent from 2018-11-19T13:00

Jesse encourages you to try a writing exercise this holiday.

 

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The YNAB Podcast
Pay Yourself First from 2018-11-12T13:00

Pay yourself first ... and forever


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The YNAB Podcast
Big Goals the End from 2018-11-05T13:00

A simpler approach to big goals




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The YNAB Podcast
Why is Forecasting Bad from 2018-10-29T12:00

The problem with forecasting money you don't have yet.


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The YNAB Podcast
The Subscription Scourge from 2018-10-22T12:00

Subscriptions, subscriptions, subscriptions.



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The YNAB Podcast
Tertiary Costs from 2018-10-15T12:00

There can be more to a purchase than the price tag


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The YNAB Podcast
The Heirloom Toaster Company from 2018-10-08T12:00

What if you never had to buy another toaster again?

 

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The YNAB Podcast
344 - The DL on BIFL from 2018-10-01T12:00

Buy it once, never replace it and why.

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The YNAB Podcast
343 - A Manual Intervention from 2018-09-24T12:00

It's time for a, "Manual Intervention."

 

 

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The YNAB Podcast
342 - 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?

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The YNAB Podcast
341 - Broken Budgets from 2018-09-10T12:00

Are credit cards a budget breaker?

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The YNAB Podcast
339 - API from 2018-09-03T12:00

YNAB has a new API

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The YNAB Podcast
340 - FOMO from 2018-08-27T12:00

Do you fear you've missed out on budgeting?

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The YNAB Podcast
YNAB 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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The YNAB Podcast
338 - Budgeting is Spending from 2018-08-13T12:00

Budgeting is spending; nothing more, nothing less.

 

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The YNAB Podcast
337 - Taking a Vacation from Budgeting from 2018-08-06T12:00

How about a vacation from budgeting?

 

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The YNAB Podcast
Debt 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...

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The YNAB Podcast
336 - 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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The YNAB Podcast
Ep 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...

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The YNAB Podcast
335 - Money Stops, Obligations Keep Coming from 2018-07-23T12:00

Obligations remain despite life-changing circumstances.

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The YNAB Podcast
Ep 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 ...

 

...

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The YNAB Podcast
334 - Parenting is Hard, Not Expensive from 2018-07-16T12:00

Jesse expounds on his stance of not paying for his children's college education

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The YNAB Podcast
Ep 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.

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The YNAB Podcast
332 - Antifragile Finances from 2018-07-09T12:00

Some things get better when they experience shock

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The YNAB Podcast
Ep 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.

 

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The YNAB Podcast
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.

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The YNAB Podcast
Ep 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.

 

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The YNAB Podcast
330 - 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?

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The YNAB Podcast
Ep 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!

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The YNAB Podcast
331 - Sacreligious Budgeting from 2018-06-18T15:03:39

An unconventional experiment to deal with a clothing category

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The YNAB Podcast
Ep 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 ...

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The YNAB Podcast
329 - When the Emergency Fund's Gathering Dust, and Why from 2018-06-11T12:00

The emergency fund that's gathering dust.

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The YNAB Podcast
328 - 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?

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The YNAB Podcast
327 - A Blind Trust from 2018-05-28T12:00

A plea for blind trusts for the everyman.

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The YNAB Podcast
326 - Renting vs. Buying from 2018-05-21T12:00

Everyone has a cabin. Shouldn't I? And other silly questions that are hard to answer.

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The YNAB Podcast
325 - 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.

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The YNAB Podcast
324 - 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.

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The YNAB Podcast
323 - How to Retire and Move to the Woods Fulltime from 2018-04-30T12:00

An interview with Ms. Frugalwoods. (I LOVED this book!)

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The YNAB Podcast
322 - Buyer's Remoreselessness from 2018-04-23T12:00

Which items have you purchased that have created buyer's remorselessness.

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The YNAB Podcast
321 - Let It Go from 2018-04-16T12:00

Sometimes you just have to let it go.

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The YNAB Podcast
320 - Where Has Zero Gone? from 2018-04-09T12:00

Just don't walk past zero into debt. Get comfortable with zero.

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The YNAB Podcast
319 - YNAB / Intuit Acquisition from 2018-04-01T12:00

The biggest news we've ever shared.

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The YNAB Podcast
318 - Ever the Optimizer from 2018-03-26T12:00

Stop optimizing and be content with pace.

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The YNAB Podcast
317 - The Greatest Showman from 2018-03-19T12:00

What you learn from the junior partner in "The Greatest Showman"

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The YNAB Podcast
316 - "The Mexican Fisherman" from 2018-03-12T12:00

A little story about a man and his boat. And an investment banker.

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The YNAB Podcast
315 - Savings: Undetected. from 2018-03-05T13:00

A little experiment to amass a lot of money.

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The YNAB Podcast
314 - What do you mean, means? from 2018-02-26T13:00

How you define means makes all the difference.

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The YNAB Podcast
313 - Non-Negotiables from 2018-02-19T13:00

The biggest non-negotiable expense ever. And you're probably ignoring it.

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The YNAB Podcast
312 - MASH from 2018-02-12T13:00

Amazing what a little perspective shift gives you. Where do you get your perspective shifted?

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The YNAB Podcast
311 - 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.

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The YNAB Podcast
310 - Pay Yourself First from 2018-01-29T13:00

Inspired by my favorite personal finance book, "The Richest Man in Babylon"

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The YNAB Podcast
309 - 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.

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The YNAB Podcast
308 - 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.

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The YNAB Podcast
307 - "I Want A 100-Foot Boat" from 2018-01-08T13:00

Maybe that "pipe dream" goal isn't so far off afterall.

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The YNAB Podcast
306 - My Favorite Time of Year from 2018-01-01T13:00

My favorite time of year is January. New year, new you.

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The YNAB Podcast
305 - Merry Christmas, A Gift You Can Give Me :) from 2017-12-25T13:00

Merry Christmas! That is all.

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The YNAB Podcast
304 - Going Back to Your Roots from 2017-12-18T13:00

What are your roots, and how to strengthen them in times of stress

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The YNAB Podcast
303 - Holiday Limits from 2017-12-11T13:00

Keeping the holidays merry--within limits.

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The YNAB Podcast
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!

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The YNAB Podcast
302 - The Costs of "Settling In" from 2017-11-27T13:00

Settle in fast, because it's expensive not to.

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The YNAB Podcast
301 - Black Friday Cometh from 2017-11-20T13:00

Set Some Rules. Have Fun. (And take advantage of our Black Friday deal --this year only!)

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The YNAB Podcast
300 - Planned Spontaneity from 2017-11-13T13:00

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The YNAB Podcast
299 - Experiences? Priceless. from 2017-11-06T13:00

Experiences over material things. Coming at you from New York.

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The YNAB Podcast
298 - Loose Change, or Lose Change? from 2017-10-30T12:00

At what point should you stop tracking cash?

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The YNAB Podcast
297 - Do I Still Need a Budget? from 2017-10-23T12:00

Is there a point where you no longer really need a budget?

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The YNAB Podcast
296 - 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?

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The YNAB Podcast
295 - Lifestyle, Creep! from 2017-10-09T12:00

Do you suffer from lifestyle creep? I do.

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The YNAB Podcast
294 - 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?

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The YNAB Podcast
293 - 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.

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The YNAB Podcast
292 - 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...

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The YNAB Podcast
291 - Identity Theft Protection and You...? from 2017-09-11T12:00

How to protect your identity without paying for an expensive monitoring service.

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The YNAB Podcast
290 - Millenial Money!!!! from 2017-09-04T12:00

Millennial Money advice is the same as every generation's money advice.

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The YNAB Podcast
289 - Headed to New York from 2017-08-28T12:00

I'm scared and excited to live in New York for a while.

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The YNAB Podcast
288 - Breaking Routine from 2017-08-21T12:00

Routines were made to be broken.

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The YNAB Podcast
287 - Looking Ahead (Mobile!) from 2017-08-14T12:00

Where I discuss our new mobile apps, and why.

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The YNAB Podcast
286 - Materiality from 2017-08-07T12:00

Different partners may have different levels of budget materiality. What it is, and how to navigate it.

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The YNAB Podcast
285 - Clarity Break from 2017-07-31T12:00

Everyone should be taking a clarity break.

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The YNAB Podcast
284 - Wired to Acquire from 2017-07-24T12:00

We're programmed to amass, hoard, acquire. What do you do to combat that?

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The YNAB Podcast
283 - The Debt Consolidation Myth from 2017-07-17T12:00

The launch of YNAB's new 80/20 guide, "The Debt Consolidation Myth"

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The YNAB Podcast
282 - 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.

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The YNAB Podcast
281 - Left-Handed from 2017-07-03T12:00

Sometimes starting something as a beginner again is just what you need for reinvigorating the budget.

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The YNAB Podcast
280 - Watering to Death from 2017-06-26T12:00

Can too much of a good thing become a bad thing?

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The YNAB Podcast
279 - 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?

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The YNAB Podcast
278 - Weeds from 2017-06-12T12:00

What do weeds and budgeting have in common? Everything.

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The YNAB Podcast
277 - 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.

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The YNAB Podcast
276 - Retreat! from 2017-05-29T12:00

Saving up so you can live it up.

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The YNAB Podcast
275 - 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.

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The YNAB Podcast
274 - 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.

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The YNAB Podcast
273 - No Online Purchases in 2017 from 2017-05-08T12:00

Julie set herself a goal for 2017.

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The YNAB Podcast
272 - 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?

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The YNAB Podcast
271 - The Herloom Toaster from 2017-04-24T12:00

All I wasn't is a toaster I can pass on to my children.

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The YNAB Podcast
270 - Ownership Overhead from 2017-04-17T12:00

When you're buying something, you're also tacking a bunch of todos on to your list.

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The YNAB Podcast
269 - The Cost of Ownership from 2017-04-10T12:00

When you're buying something, you're buying so much more.

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The YNAB Podcast
268 - 1-844-YNAB-ING from 2017-03-27T12:00

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The YNAB Podcast
266 - Target Trouble from 2017-03-13T12:00

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The YNAB Podcast
265 - Overspending from 2017-03-06T17:00

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The YNAB Podcast
264 - Just A Budget Meeting from 2017-02-27T13:00

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The YNAB Podcast
263 - Expenses Oh No from 2017-02-20T13:00

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The YNAB Podcast
262 - Budget More from 2017-02-13T13:00

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The YNAB Podcast
261 - Month One! In the Books! from 2017-02-06T13:00

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The YNAB Podcast
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.

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The YNAB Podcast
259 - Why Most People Quit Budgeting from 2017-01-23T13:00

There's one reason why people quit budgeting (and most anything else).

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The YNAB Podcast
258 - How To Start Over from 2017-01-16T13:00

With budgeting, the key might be to start over.

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The YNAB Podcast
256 - Merry Christmas from 2016-12-26T13:00

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The YNAB Podcast
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.

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The YNAB Podcast
251 - 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.

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The YNAB Podcast
250 - Can I Afford It? Yes! Oh...Wait from 2016-11-14T13:00

A question for the eternities: Can I afford this?

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The YNAB Podcast
249 - Budget Fails with Variable Income from 2016-11-07T13:00

Why does variable income make budgeting so tough? Because we're budgeting wrong.

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The YNAB Podcast
248 - March to Your Own Drum from 2016-10-31T12:00

It's your money (read: life), so march to your own drum.

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The YNAB Podcast
247 - 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.

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The YNAB Podcast
246 - A Report on Reports from 2016-10-17T12:00

A special podcast, because reports are here.

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The YNAB Podcast
245 - Budgets&Butlers from 2016-10-10T12:00

Your budget is your deferential butler. Don't you agree, sir?

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The YNAB Podcast
244 - We're Doing Workshops Now from 2016-10-03T12:00

We have workshops! You should give one a shot.

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The YNAB Podcast
243 - 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.

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The YNAB Podcast
242 - 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?

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The YNAB Podcast
241 - Cash for the Next House from 2016-09-12T12:00

Here's the #1 reason to pay cash for your next house.

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The YNAB Podcast
240 - What Learning YNAB Looks Like from 2016-09-05T12:00

Stops, Starts, and Struggles. Be patient with yourself as you learn the YNAB Way.

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The YNAB Podcast
239 - Blank Slate from 2016-08-29T12:00

Blank slating in life, and in budgeting, can be super insightful.

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The YNAB Podcast
238 - Outsourcing from 2016-08-22T12:00

I've outsourced my fitness and nutrition. What about money?

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The YNAB Podcast
237 - Thinking Aloud About "To Be Budgeted" from 2016-08-15T12:00

Making a number less confusing.

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The YNAB Podcast
236 - Working at YNAB from 2016-08-08T12:00

An look inside the YNAB team.

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The YNAB Podcast
235 - 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.

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The YNAB Podcast
232 - Treat Yourself from 2016-07-11T12:00

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The YNAB Podcast
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.

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The YNAB Podcast
229 - 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.

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The YNAB Podcast
228 - 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.

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The YNAB Podcast
227 - 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.

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The YNAB Podcast
226 - 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.

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The YNAB Podcast
225 - 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.

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The YNAB Podcast
224 - Think Long, Act Now: Savings&Your Budget from 2016-05-16T12:00

Why saving for its own sake can be dangerous.

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The YNAB Podcast
223 - Deal w/ your Debt: Be Strategic from 2016-05-09T12:00

The end all be all strategy for paying down your debt.

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The YNAB Podcast
222 - Deal w/ your Debt: Changing Habits from 2016-05-04T11:56:23

Steps to take before you take steps to pay down your debt.

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The YNAB Podcast
221 - 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.

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The YNAB Podcast
220 - Retreat! Retreat! from 2016-04-22T12:26:30

The ultimate experience as it relates to "Save up for it."

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The YNAB Podcast
219 - Is Cash King? from 2016-04-11T12:00

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The YNAB Podcast
218 - Quarter In Review from 2016-04-05T17:02:52

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The YNAB Podcast
217 - How Will You Feel When... from 2016-03-28T12:00

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The YNAB Podcast
216 - The Opposite of Spoiled from 2016-03-21T12:00

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The YNAB Podcast
215 - Managing Money Less from 2016-03-14T12:00

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The YNAB Podcast
214 - One Year Same As Cash from 2016-03-07T13:00

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The YNAB Podcast
212 - Rule Four Reloaded from 2016-02-22T13:00

Rule Four reloaded.

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The YNAB Podcast
211 - Rule Three Reloaded from 2016-02-15T13:00

Rule Three reloaded.

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The YNAB Podcast
210 - Rule Two Reloaded from 2016-02-08T13:00

Rule Two reloaded.

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The YNAB Podcast
209 - Rule One Reloaded from 2016-02-01T13:00

Rule One reloaded.

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The YNAB Podcast
208 - MVP from 2016-01-25T20:14:43

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The YNAB Podcast
207 - Goals, Goals, Goals from 2016-01-18T13:00

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The YNAB Podcast
206 - January vs December from 2016-01-11T13:00

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The YNAB Podcast
205 - I Changed My Mind from 2016-01-04T13:00

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The YNAB Podcast
204 - My New Baby from 2015-12-28T13:00

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The YNAB Podcast
202 - Delayed Gratification from 2015-12-18T18:03:16

Don't worry. You've been saving up for this!

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The YNAB Podcast
200 - Perfect for Procrastinators from 2015-11-30T13:00

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The YNAB Podcast
198 - A Budget Bucket List from 2015-11-16T13:00

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The YNAB Podcast
196 - Save Something from 2015-11-02T13:00

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The YNAB Podcast
195 - The Four Disciplines of Execution from 2015-10-26T12:00

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The YNAB Podcast
194 - Question Everything from 2015-10-19T12:00

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The YNAB Podcast
193 - Lump Sums (Like a Student Loan) from 2015-10-12T12:00

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The YNAB Podcast
191 - What If You Didn't Have Reports? from 2015-09-28T12:00

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The YNAB Podcast
189 - Map Your Progress from 2015-09-14T12:00

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The YNAB Podcast
188 - College Is In Session! from 2015-09-07T12:00

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The YNAB Podcast
186 - Mechams Unplugged from 2015-08-24T04:00

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The YNAB Podcast
184 - Pay Off Debt or Save First? from 2015-08-10T04:00

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179 - Decision Fatigue from 2015-07-06T04:00

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178 - The Bucket List from 2015-06-29T16:00

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177 - Guilt-free spending from 2015-06-22T04:00

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175 - The Dashmat Principle from 2015-06-08T04:00

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170 - Simplicity Matters from 2015-05-04T04:00

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The YNAB Podcast
169 - Pruning from 2015-04-27T04:00

When it comes to lasting, positive financial change, don't do what I did.

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The YNAB Podcast
168 - 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.

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The YNAB Podcast
167 - The Gift of Tax Season from 2015-04-13T04:00

Windfall schmindfall. Just fall back on Rule One.

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The YNAB Podcast
166 - Punching With the Rolls from 2015-04-06T04:00

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The YNAB Podcast
165 - Who's on First? from 2015-03-30T04:00

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163 - You Need Your Space from 2015-03-16T04:00

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162 - Make It Joint from 2015-03-09T04:00

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The YNAB Podcast
161 - Lay it All on the Table from 2015-03-02T05:00

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The YNAB Podcast
160 - This One's for the Lovers from 2015-02-23T05:00

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The YNAB Podcast
159 - Your Money or Your Life from 2015-02-16T05:00

A shoutout to a classic that everybody should read.

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The YNAB Podcast
158 - YNAB's 10 Year Anniversary from 2015-02-09T05:00

A look back, with an anniversary four months late.

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The YNAB Podcast
157 - When You're Spending More than You Bring In from 2015-02-02T05:00

Then budgeting is even more important.

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The YNAB Podcast
156 - Happy Holidays from 2015-01-26T05:00

The 2015 holiday season is now upon us.

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The YNAB Podcast
155 - Creating a Gasoline Hedge from 2015-01-19T14:36:36

Don't fritter away the temporary savings of low gas prices!

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The YNAB Podcast
154 - 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.

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The YNAB Podcast
153 - It's All Rule One from 2015-01-05T05:00

"They're digging in the wrong place."

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The YNAB Podcast
152 - PACE's Place from 2014-12-29T05:00

A lesson on focus.

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The YNAB Podcast
151 - Retirement is Rule Two from 2014-12-22T05:00

The biggest rainy day you have is when you retire. Old-timer. ;)

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The YNAB Podcast
150 - 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.

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The YNAB Podcast
149 - 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

The YNAB Podcast
147 - Buying in to Tesla from 2014-11-24T05:00

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The YNAB Podcast
146 - Dealing With Downs from 2014-11-17T05:00

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The YNAB Podcast
145 - Money is... from 2014-11-10T05:00

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The YNAB Podcast
144 - PACE a New Book from 2014-11-03T12:37:58

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The YNAB Podcast
143 - Content in the Moment from 2014-10-27T04:00

Facing the right direction brings peace. With pace playing second fiddle.

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The YNAB Podcast
142 - Frugality is Boring from 2014-10-20T04:00

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The YNAB Podcast
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.

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The YNAB Podcast
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.

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The YNAB Podcast
138 - 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

The YNAB Podcast
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.

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The YNAB Podcast
136 - 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.

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The YNAB Podcast
135 - 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.

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The YNAB Podcast
134 - YNAB for iPad is here from 2014-08-25T12:46:38

YNAB for iPad is here. It's great. It's free.

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The YNAB Podcast
133 - Stop from 2014-08-18T04:00

If something is really complicating YNAB for you, maybe stop doing that thing?

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The YNAB Podcast
132 - Kaizen from 2014-08-11T04:00

Look to optimize, and simplify.

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The YNAB Podcast
131 - My Semi-Annual Review from 2014-08-04T04:00

A promise to Julie, and some advice for business owners (and everyone).

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The YNAB Podcast
130 - 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.

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The YNAB Podcast
129 - Kids&Money from 2014-07-21T12:07:22

I may be pulling YNAB out of the equation for our kids and their money.

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The YNAB Podcast
128 - Blackberries in August from 2014-07-14T04:00

A financial lesson learned in the Arizona summer heat, while picking blackberries for my dad, whe...

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The YNAB Podcast
127 - Clarity, Scarcity&Forecasting from 2014-07-07T04:00

A few thoughts on forecasting, scarcity, and clarity.

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The YNAB Podcast
126 - 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?

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The YNAB Podcast
125 - 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.

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The YNAB Podcast
124 - PACE from 2014-06-17T11:49:58

Announcing a new "division" of YNAB, designed specifically for small business owners.

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The YNAB Podcast
123 - 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.

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The YNAB Podcast
122 - Consumption vs. Creation from 2014-06-02T04:00

Create more than you consume, and develop a bias toward action.

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The YNAB Podcast
121 - Chasing Credit Card Points from 2014-05-26T04:00

Beware the tendency to not scrutinize your credit card point purchases.

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The YNAB Podcast
120 - Getting Things Done from 2014-05-19T04:00

Totally off-topic, but maybe till'll resonate with you. How I manage my To Dos.

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The YNAB Podcast
119 - Well, Now What Do I Do? from 2014-05-12T04:00

When something financially unexpected happens, we all ask ourselves this s...

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The YNAB Podcast
118 - Disneyland and Assumptions from 2014-05-06T12:32:54

We spent a week at Disneyland, and I learned a few things about questionin...

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The YNAB Podcast
117 - How I Use Notes from 2014-04-28T04:00

YNAB's Notes feature is as flexible as your imagination. Let it run wild!

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The YNAB Podcast
116 - Asserting Your Authority from 2014-04-21T17:37:57

Perhaps generosity benefits the giver in ways not previously considered.

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The YNAB Podcast
115 - Changing Your Status Quo with Extreme Behavior from 2014-04-07T04:00

 

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The YNAB Podcast
114 - Budget Category Overzealousness from 2014-03-31T04:00

 

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The YNAB Podcast
113 - The Binge Before the Crackdown from 2014-03-24T04:00

Are you guilty of binging before you crack down? With dieting or budgeting, it's just not healthy

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The YNAB Podcast
112 - The Cost of a Fat Checking Account from 2014-03-17T04:00

We discuss the opportunity cost of having a fat checking account because you're following the YNAB Way.

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The YNAB Podcast
111 - Together or Separate? from 2014-03-10T04:00

If you're running a business with YNAB, should you have it as a separate budget, or part of the same file?

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The YNAB Podcast
110 - One Hundredth of a Second from 2014-02-24T05:00

Luckily, budgeting has nothing to do with the olympics. Take another run as often as you want.

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The YNAB Podcast
109 - Piano Practice, and Budgeting from 2014-02-17T05:00

The key, is to break it down.

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The YNAB Podcast
108 - The Intangibles of Budgeting? Priceless from 2014-02-10T05:00

YNAB has a great dollar-for-dollar value proposition, but the intangibles of budgeting are even better.

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The YNAB Podcast
107 - Winning Financially is Simple from 2014-02-03T05:00

Winning financially is simple. You just need a pen, a paper, and a plan.

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The YNAB Podcast
106 - Saving for Its Own Sake from 2014-01-13T16:20:24

I think I save for its own sake, assuming there's something inherently good about saving "more," regardless of the fact that more remains undefined. Maybe I should relax.

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The YNAB Podcast
105 - The Year of the Status Quo from 2013-12-30T05:00

YNAB had a banner year (thank you for telling your friends and family!). 2014 shall be the year of the status quo.

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The YNAB Podcast
104 - Have Yourself a Merry Little Christmas from 2013-12-23T05:00

Since Julie took over the budget, things are green. Christmas is no different. We've been saving all year for it. It's exactly how you too, can have yourself a merry little Christmas.

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The YNAB Podcast
103 - Timing Expenses to Save a Grand (or so) on Taxes from 2013-12-16T05:00

This "loophole" isn't a loophole at all. It's actually a plain Jane tax planning strategy that can be employed by almost anyone, with even the most boring of tax returns. You can contact Casey d...

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The YNAB Podcast
102 - When Your Tax Rate is 2000% (Not a Typo) from 2013-12-09T05:00

I've brought back my tax adviser, Casey Murdock, for another podcast. He should be your adviser too. We discuss the fringe world of tax credit and deduction phaseouts. You can contact Casey dire...

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The YNAB Podcast
101 - When You Finance Anything, You Finance Everything from 2013-12-02T05:00

Inspired by Mark's blog post over on the blog, we discuss the very true (albeit depressing) principle that once you finance something, everything else you purchase is also "financed."

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The YNAB Podcast
100 - A Look Back (and Forward) at YNAB from 2013-11-25T05:00

I reminisce, and then look forward.

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The YNAB Podcast
099 - Real Estate Investing with YNAB from 2013-11-18T05:00

A discussion on how I use YNAB to manage our real estate investing.

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The YNAB Podcast
098 - An Update on Julie Owning the Budget from 2013-11-11T21:09:28

This is awesome. Having Julie "own" the budget has been just short of revolutionary.

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The YNAB Podcast
097 - The Most Radical Shift in Money Management to Ever Take Place in Our Household. from 2013-10-14T18:26:03

I've handed the Budgetingi Reins over to my wife, Julie. She'll do a better job, and our relationship will be even better for it. Here what lead up to this, and why it's going to be awesome.

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The YNAB Podcast
096 - Mr Money Mustache's View on Retiring FAR Earlier Than the Norm (Take Two).mp3 from 2013-10-07T20:26:49

An interview with  my favorite personal finance blogger, Mr. Money Mustache.  He retired at 30 years old, and he and his wife and son live a luxurious life on just under $30,000 per year.  THIS ...

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The YNAB Podcast
095 - Soldier of Finance from 2013-09-27T17:04:16

An interview with Jeff Rose, CFP and author of Soldier of Finance. You can snag a chance for a free copy by going to http://goodfinancialcents.com/ynabbook

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The YNAB Podcast
094 - Cellphone, Unshackled. from 2013-09-24T18:13:07

My thoughts on cellphones, not just smartphones, and how we're being sold a bill of goods that's costing us money, and decreasing quality of life. And yes, I'm going for "dramatic" here.

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The YNAB Podcast
093 - Financial Priorities from 2013-08-19T04:00

Mark's blog post from a while back spurred this commentary.  My thoughts on financial priorities regarding the big picture, longer-term stuff.

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The YNAB Podcast
092 - Just Show Up from 2013-08-12T04:00

With your budget, especially for those just starting, just show up. Keep it simple, do what you're told, and…just show up.

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The YNAB Podcast
091 - Creation vs. Consumption from 2013-08-05T04:00

Sometimes creation trumps consumption purely for its own sake; where you're satisfied on a personal level, even though the math doesn't work.

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The YNAB Podcast
090 - Boosting Income by Thinking Small from 2013-08-02T16:18:17

Sometimes the best way to start thinking about making extra income is to think small.  Really small.  Don't let visions of grandeur slow you down.

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The YNAB Podcast
089 - Wildly Fluctuating Income from 2013-07-15T22:56:46

There are a few ways to apply Rule Two (Save for a Rainy Day) to your wildly fluctuating income situation. This also applies if you happen to receive windfalls, but are otherwise on a fairly ste...

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The YNAB Podcast
088 - Perfect is the Enemy of Good from 2013-07-08T22:17:23

Your budget will never be perfect, because you're dealing with imperfect variables (people, external events, and bad data).

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The YNAB Podcast
087 - A Tactic for the Reluctant Spouse from 2013-07-01T04:00

The key is to give them a taste of how good it feels to save up and pay for something. Positive, achievable, and life-changing.

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The YNAB Podcast
086 - It's Beginning to Look Halfway Like Christmas from 2013-06-24T04:00

(Holiday spending target - current category balance) / six months remaining = your monthly contributions for the rest of 2013.

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The YNAB Podcast
085 - YNAB for the Freelancer from 2013-06-18T17:23:30

There are three secrets to budgeting successfully on even the wildest of variable incomes.  Here they are.

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The YNAB Podcast
084 - Budgeting Late in the Month from 2013-06-11T16:06:38

If you just decide things are great, maybe a monthly budget is a bit too frequent…how long would you last before the lack of frequency/familiarity left you sinking back into your old ways?

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The YNAB Podcast
083 - Control from 2013-05-20T04:00

YNAB's (very successful) headline on the homepage sends the message of "control," but most people say they don't like budgets because they feel controlled.  Which is it?

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The YNAB Podcast
082 - The Age of Money from 2013-05-13T04:00

How old is the last dollar you spent?

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The YNAB Podcast
081 - Handling Accounts Receivable in YNAB from 2013-05-06T04:00

This is a quick riff on how you could (quite easily) handle accounts receivable in YNAB.

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The YNAB Podcast
080 - The Idea of Retirement is Really Starting to Bug Me. from 2013-04-29T04:00

This should probably just be a replay of my interview with Leo from ZenHabits.net.  The key to money (and probably everything else in life) is to be happy in the moment.

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The YNAB Podcast
079 - Patience. from 2013-04-23T02:09:04

The pathway to wealth is paved with patience.

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The YNAB Podcast
078 - The Black Box of Spending from 2013-04-15T04:00

Your "Miscellaneous" category is a black box of spending. Is that spending a reflection of your values? Or are you being lazy? And should you care anyway? We discuss :)

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The YNAB Podcast
077 - Why Roths are Better than Regular IRAs from 2013-04-08T04:00

This is the end of that debate.

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The YNAB Podcast
076 - Taxes and Timing from 2013-04-01T04:00

Having the choice to create a taxable event (or avoid one) is extremely powerful when it comes to minimizing your life's single biggest expense.

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The YNAB Podcast
075- How I Tripled My Money in the Stock Market from 2013-03-25T04:00

It involved a company that made karaoke machines. I got lucky.

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The YNAB Podcast
074 - Your Kids Need a Budget from 2013-03-18T20:12:07

I take a few minutes to explain how we use YNAB with the kids.  We have five kids, so there's proof that it scales.

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The YNAB Podcast
073 - Your Life on a Treadmill from 2013-03-11T20:00:07

Anyone can keep pace when the treadmill is level, you're not carrying any extra weight, and the speed is slow. But what happens when Big Events change that? What drove you to the point where you...

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The YNAB Podcast
072 - Sowing Seeds of Money Happiness from 2013-03-04T22:07:04

What causes discontent with money? What influences how you spend your money, what you value, and whether you're truly happy?

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The YNAB Podcast
071 - The Key to Reinventing Yourself (Bit by Bit) from 2013-02-25T21:18:11

I interview my favorite Behavior Designer of all time, BJ Fogg of the Standford Persuasive Technology Lab.  BJ and I discuss key principles for creating lasting, positive behavior change in your...

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The YNAB Podcast
070 - I'm Saving This Money. (For What?!) from 2013-02-18T05:00

Savings without purpose is savings frittered away. Make sure you're saving with purpose!

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The YNAB Podcast
069 - Managing Your Life's Single Biggest Expense from 2013-02-11T05:00

An interview with my tax advisor, and the author of Tax Insight, Casey Murdock. He's a tax genius, and he saved me 20k in taxes a few years ago. Case closed!

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The YNAB Podcast
068 - Budgets are Sexy. An Interview with J. Money. from 2013-02-04T05:00

I get to interview a fellow man-cave enthusiast and personal finance blogger who writes one of my favorite money blogs: BudgetsAreSexy.com. Of course I'd like it.

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The YNAB Podcast
067 - Spending Tens of Thousands of Dollars is So Easy from 2013-01-28T05:00

More about our car purchase from December. Now that the dust has settled, here's what's really freaking me out.

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The YNAB Podcast
066 - Big Goals, and Nothing Else Matters from 2013-01-21T05:00

If you're getting the big goals taken care of, nothing else really matters.

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The YNAB Podcast
065 - "YNAB Works" is Here! from 2013-01-14T05:00

I'm pleased to announce the launch of "YNAB Works!" A Home Study Guide+DVD Video package for schools, clients, kids of awesome parents, employees…basically anyone you care about :)

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The YNAB Podcast
064 - My Financial Life from 2013-01-07T05:00

Instead of takling about how we budget, which is just how I teach, and nothing special. I wanted to discuss everything else financial, how and why I do the things I do, and let you then draw you...

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The YNAB Podcast
063 - The Farmhand Who Slept Through Anything from 2012-12-31T05:00

Are you finances managed with the future in mind? Where YOU could sleep through anything?

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The YNAB Podcast
062 - Bought a Car, Broke Both My Rules from 2012-12-24T05:00

I have two rules when it comes to buying a car. Don't buy new, and don't finance it.  Broke both of those.

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The YNAB Podcast
061 - Friction. from 2012-12-17T05:00

When you're in a job you don't like, there's friction, because you're not spending your time doing something you love. When your money's misbehaving, there's friction. Because your money isn't d...

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The YNAB Podcast
060 - No More Harvard Debt! How One Guy Paid of $90k of Debt in Seven Months from 2012-12-10T05:00

My interview with Joe Mihalic, who paid off $90,000 of debt in 7 months, because he got intense, got focused, and made it happen. You can catch Joe's book on Amazon (for $2.99) called Destroy St...

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The YNAB Podcast
059 - What Will Your Holidays Look Like in 2013? from 2012-12-04T13:31:29

What will your holiday season look like 13 months from now? And why am I making you think about it?!

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The YNAB Podcast
058 - I can list all the clothes I own. You? from 2012-11-26T05:00

I'm throwing down here. Not really. Did a major, MAJOR closet cleaning, and it feels GREAT!

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The YNAB Podcast
057 - When Debt is an Addiction. from 2012-11-19T05:00

In this interview, I speak with Linda I (psuedonym), a Debtor's Anonymous participant. The program deserves a serious look if you, or someone you know, has a serious debt addiction.

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The YNAB Podcast
056 - How to Protect Yourself From Identity Theft (in a few minutes) from 2012-11-12T05:00

It turns out that protecting yourself from Identity Theft doesn't mean you have to give up Facebook (whew), or stop shopping online (whew, love me some Amazon Prime). I interview Robert Sicilian...

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The YNAB Podcast
055 - You're an Air Traffic Controller from 2012-11-05T16:04:39

My little brother got his wings from the Air Force this weekend, and on the tour, I got to see an air traffic control room. Guess what it reminded me of?

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The YNAB Podcast
054 - Your Car is a Wealth Sucking Parasite. from 2012-10-29T04:00

If you're like most (and you probably are), you're driving too much car. Consider how it just might be keeping you from the financial goals you REALLY care about.

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The YNAB Podcast
053 - A Behind the Scenes Look at How YNAB Started, and Where We're Headed from 2012-10-22T04:00

This is epicly long. My first goal with YNAB was to make our $350 rent. And now in 2011 we were Utah's 9th fastest growing company. Who…woulda…thought.

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The YNAB Podcast
052 - An Interview with Jon Stein of Betterment--You CAN Invest! from 2012-10-15T04:00

I love what Jon Stein's doing over at Betterment. If you're afraid of investing, you should listen to this. If you want to be lazy about your investing, you should listen to this.

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The YNAB Podcast
051 - Quality, and the Law of the Harvest from 2012-10-08T20:49:26

If I ever start another company, it will be to make a toaster so well-built, you'll pass it on to your grandkids. Has the "cheaper is better" skewed our instincts that used to follow the law of ...

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The YNAB Podcast
050 - A Startling Statistic Strikes Fear in My Heart. You? from 2012-10-01T04:00

What's your retirement savings rate? Have you started saving for retirement? What aspects of your retirement nest egg are actually in your control?

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The YNAB Podcast
049 - The New Retirement. An Interview with Todd Tressider of FinancialMentor.com from 2012-09-24T04:00

Todd was a panelist at FinCon12, where the topic was the new retirement. I was impressed by Todd's analytical approach, and approachableness (is that a word?) on the topic. He also managed to fi...

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The YNAB Podcast
048 - Achieving Money Zen. An Interview with Leo Babauta of ZenHabits.net from 2012-09-17T04:00

I LOVED doing this interview! Leo really helped me think through priorities, gaining clarity, and determining what matters. I'm more zen-like because of it :)

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The YNAB Podcast
047 - How Much Money Does it Take to Be Happy? from 2012-09-10T16:04:02

The study says $70,000 and it's gotten me thinking about downsizing. Not the house really, just in general. Though nothing's off the chopping block just yet.

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The YNAB Podcast
46 - You're Never Really Saving Money... from 2012-09-03T04:00

You're not really saving money. You're simply acknowledging future expenses.

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The YNAB Podcast
045 - Get Organized with Jill Pollack! from 2012-08-27T23:04:59

I interivew Jill Pollack, an organization expert, and host of "Consumed", a one-hour de-cluttering/life-changing TV show for HGTV Canada. She shares some great tips on finding some breathing roo...

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The YNAB Podcast
044 - Taking Care of Your Family, No Matter What from 2012-08-22T04:00

As part of the #LifeAware Life Insurance Movement, I bring on special guest, Jeff Rose, Cerftified Financial Planner, founder of Alliance Wealth Management, and blogger at GoodFinancialCents.com...

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The YNAB Podcast
043 - Why Aren't You Getting Ahead? from 2012-08-20T04:00

You may make "good money", but you don't feel like you're getting ahead. You just don't think you're gaining any traction. You may not have a good grasp on your True Expenses.

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The YNAB Podcast
042 - Interview with Dan Miller on Careers, Goals&Passion from 2012-08-13T04:00

I set out to have Dan talk about pursuing your passion, and it ended up turning a bit into my own personal coaching session! Dan Miller is a best-selling author, speaker, and career coach. We di...

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The YNAB Podcast
041 - Credit Card Pros and Cons from 2012-08-06T15:07:46

If you carry a credit card balance from month to month, your credit cards should be destroyed. If you're operating by YNAB's 4 Rules, Credit Cards offer some advantages.

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The YNAB Podcast
040 - Success Story: Motivational Speaker Gets Motivated by YNAB from 2012-07-30T04:00

I interview Joe, a motivational speaker that was motivated to change his finances for the better. He's also started using YNAB in a very unique way -- and it has nothing to do with money!

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The YNAB Podcast
038 - The Most Important Number in Retirement from 2012-07-16T04:00

There's always lots of talk about your "nest egg" in retirement…and lots of sexy-sounding words when it comes to investing (ETF! Diversification!) but the most important number is the one that's...

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The YNAB Podcast
037 - What IS YNAB Anyway? from 2012-07-02T15:39:18

In the wake of an eventful, learning-filled, stressful launch of YNAB 4…what IS YNAB?

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The YNAB Podcast
036 - YNAB 4 is Here. But it's Not Why YNAB Works from 2012-06-25T20:30

New software is great (and YNAB 4 really is great), but the software isn't the reason YNAB works.

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The YNAB Podcast
035 - Unexpected Slowdowns&Water Shortages from 2012-06-18T04:00

I returned from a 50-mile backpacking trip in a fairly remote area of Utah. Of course every single thing I experienced can be tied back to budgeting. Because budgeting is awesome.

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The YNAB Podcast
034 - Success Story: Debt Free and Loving It from 2012-06-11T04:00

Bill has been using YNAB for three years, along with Dave Ramsey's Total Money Makeover method. They're debt free, and are working to pay down their mortgage as fast as possible.

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The YNAB Podcast
033 - A Week in the Wilderness from 2012-06-04T04:00

Prepping for a 50-mile hike is a lot like the monthly budget meeting. This topic is oozing metaphors.

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The YNAB Podcast
032 - How I Paid Off My Mortgage Before I Turned 30 from 2012-05-28T04:00

Kind of hesitant to share this, because up until now I haven't made it public. But what the heck. The key for me paying my home off before I turned 30 was incessant focus, and long hair.

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The YNAB Podcast
031 - Success Story: Where There's a Will... from 2012-05-21T04:00

Will has been using YNAB for about five months and, since he only had nice things to say about it, I thought he made a great success story ;)

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030 - Trends in Finance (Look Out!) from 2012-05-14T04:00

More things change, the more they stay the same. Banks want you to borrow money--badly. And there are some interesting developments in the Personal Finance Management (PFM) space to help you do ...

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029 - So..Should You Start Over? from 2012-05-07T04:00

What's the harm in starting over? What are some good reasons to hit the 'reset' button, and when should you keep on truckin'?

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028 - Are You a Budget Failure? from 2012-04-30T04:00

What does it mean to fail at budgeting? It, frankly, doesn't mean much of anything.

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027 - What Does the Ideal Budget Look Like? from 2012-04-23T14:51:02

A rambling discussion of accounts, categories, cash, and just trying to do everything you can to simplify your budget process, while still deriving all of the benefit it provides.

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The YNAB Podcast
026 - Backpacking and Rationing from 2012-04-16T07:00

When backpacking, you don't eat all of your food the first day. When you receive a paycheck, you don't spend all of your money the first day either. Also, handling a wildly variable income.

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The YNAB Podcast
025 - Success Story - Bible Study Group from 2012-04-09T04:00

This church out of Idaho has been using YNAB as part of their bible study groups -- for SIX YEARS. I have a long conversation with them about how it's helped them, what they'd like to see improv...

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024 - The Disaster Effect from 2012-04-02T04:00

When it rains, it pours, right? Sometimes that's our own doing (and demise). Financially speaking, of course.

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023 - Reality and Unleashing Your Will from 2012-03-26T04:00

If you're not operating in reality, you don't know what you want. If you don't knowo what you want, you won't get it.

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The YNAB Podcast
022 - YNAB for Your Business? from 2012-03-19T04:00

Can YNAB serve your business just as well? Well, YNAB's serving YNAB well.

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The YNAB Podcast
021 - Your Budget Boiling Point from 2012-03-12T14:48:48

Your budget has a boiling point. Dial it back a few notches so you can stick to your budget for the long haul.

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020 - Success Story- Musicians Rock with YNAB from 2012-03-05T05:00

I talk with Mason (who created our podcast bump music)  about how his finances are now rockin' with YNAB.

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019 - Halftime Adjustments from 2012-02-27T16:21:54

Five minutes trying to convince you that adjusting your budget is not only correct, it's a best practice.

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018 - Too Poor To Budget from 2012-02-20T05:00

Are you too poor to budget? Absolutely not!

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The YNAB Podcast
017 - The Debt Snowflake from 2012-02-13T05:00

The debt snowball is tried and true, but what's the debt snowflake? It's more effective than it sounds :)

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016 - The Double-Edged Sword of Automation from 2012-02-06T05:00

Automation is a two-edged sword. Used wisely, it will ...

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015 - Ignoring Life's Biggest Expense is Folly from 2012-01-30T05:00

Taxes are your life's single biggest expense. Cozy up with the tax code and minimize as if your financial life depended on it!

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014 - Success Story: From Doing Fine to Awesome from 2012-01-23T05:00

A YNAB success story interview with Brian from Portland. We wax philosophical about present you, and future you (Rules One & Two), and Brian talks about his transition from Quicken.

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The YNAB Podcast
013 - An Interview with Baker from ManVsDebt.com from 2012-01-16T05:00

Baker and his wife had an epiphany the night their daughter was born. With the answer to one simple question, they found freedom. This will get you thinking!

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012 - An Interview with Carl Richards, Author of "The Behavior Gap" from 2012-01-09T05:00

"Simple ways to stop doing dumb things with money" is the tagline of Carl's book, "The Behavior Gap".  Stop doing dumb things when it comes to investing? I'll take one of those please!

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The YNAB Podcast
011 - A New Year's Crash Course from 2012-01-02T05:00

Erin Lowell, YNAB's head of Education, jumps onto the program to introduce our new New Year's Crash Course. One more way to help you get this money thing done RIGHT.

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010 - YNAB Gets a New Site Design! from 2011-12-26T05:00

I discuss some of the whys behind our 12/2011 site redesign.

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009 - Success Story: a Quicken Junkie Convert! from 2011-12-19T05:00

I interview Sheridan from Orange County, California.  She's now been using YNAB for 2.5 years, and won't be going back to Quicken any time soon!

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008 - 3 Tiny Habits, Big Takeaways from 2011-12-12T05:00

I relate my experience with BJ Fogg's 3 Tiny Habits program, and how that ties in so beautifully to budgeting--specifically staying on top of recording your transactions.

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007 - Christmas, Weak Reports, the Best Report of All from 2011-12-05T05:00

A few words on Christmas, why January's so important to your Christmas spending, and weak reports. Also, a hat tip to the best report of all.

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006 - The Budget and Slow Suffocation from 2011-11-28T05:00

One of the more embarrassing moments of my teenage years taught me a great lesson about budgeting, breathing, and the crushing effects of five pounds.

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005 - Success Story: a Cut in Salary, and Freelancing from 2011-11-21T05:00

An interview with Brian from Massachusetts, a freelance video editor, that now feels content--even with a large drop in income.

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Episode 004 - Lavish Spending (on Purpose) from 2011-11-14T05:00

Lavish spending. Your budgeting indulgence. No judgement here, as long as it's purposeful and done with total awareness.

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The YNAB Podcast
Episode 003 - The Power of Rule Two (Plus Rule One) from 2011-11-07T05:30

The basics of Rule Two (Save for a Rainy Day), and then how you combine Rules One and Two to begin making VERY good financial decisions. This episode will answer the question you may have asked ...

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The YNAB Podcast
Episode 002 - Setting and Achieving Mini Financial Goals (Budgeting) from 2011-10-31T16:32

Wait, I thought we were budgeting.  What's all this talk about goals, mini-goals, and habits? Yeah, you're not budgeting. You're becoming an unbelievably effective goal setter/reacher.

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The YNAB Podcast
Episode 001 - Stop Living Paycheck to Paycheck from 2011-10-24T09:00

70% of people live paycheck to paycheck, but did you know the interesting part of that statistic that isn't often quoted?  It will surprise you, and perhaps spur you on to decide that $1000 is t...

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