The YNAB Podcast

The YNAB Podcast

Where Jesse Mecham obsesses out loud about spending purposefully, saving aspirationally, and giving joyfully. It all comes down to just four simple habits.

Episodes

July 15, 2024 5 mins

We organize our lives by the calendar, and the calendar is organized into months. It's no surprise then, that we tend to think of finances in terms of months -- monthly payments, monthly contributions, having 3-6 months of expenses saved. The month has a lot of utility, but it is an arbitrary division of time. Jesse examines how the month can be useful, yet also detrimental, to making money decisions.

 

Got a question for Jesse? Se...

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Jesse waxes poetic about Costco and how simple their model makes purchasing decisions. He also brings up the point that we often spend a lot of time searching for the best deal, for that one hot tip that will maximize our dollars for a certain purchase. Our time and attention is a resource as well, and perhaps we should just go buy the thing, and be done with it.

 

Got a question for Jesse? Send him an email:

askjesse@ynab.com

 

Si...

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July 1, 2024 10 mins

Jesse delivers a good old fashioned rant about the evils of debt. While he may have softened his rhetoric over the past decade, Jesse is no less serious about his distaste for debt!

 

Got a question for Jesse? Send him an email:

askjesse@ynab.com

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

 

Follow YNAB on social media:

Facebook: @iYNAB

Instagram: @youneedabudget

Twitter: @ynab

Tik Tok: @ynabofficial

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June 24, 2024 8 mins

Well meaning companies will bring in financial advisors to extol the virtues of investing in 401ks and matching plans, while some of their employees are still living paycheck to paycheck. With YNAB, you can take control of your money and get off the paycheck to paycheck cycle, then run to HR and take that 401k match like you stole it!

 

 

Got a question for Jesse? Send him an email:

askjesse@ynab.com

 

Sign up for a free 34-day tri...

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June 17, 2024 6 mins

Money can be chaotic, noisy, tinged with anxiety and fear. Or, with YNAB, it can be boring! At YNAB we strive for money to be boring, so that life can be rich, exciting, and full.

 

Got a question for Jesse? Send him an email:

askjesse@ynab.com

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

 

Follow YNAB on social media:

Facebook: @iYNAB

Instagram: @youneedabudget

Twitter: @ynab

Tik Tok: @ynabofficial

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June 10, 2024 6 mins

As the saying goes, "stuff" happens. Life throws curveballs, sometimes several in a row, and YNAB'ers prepare for this financially by following the Four Rules:

  1. Give every dollar a job
  2. Embrace your true expenses
  3. Roll with the punches
  4. Age your money

Today's episode is mostly about rule #3. When you roll with the punches, you reassign money you have saved up for other expenses in the future to cover the unexpected expense y...

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Those categories that you love to spend in, those categories that suck you right in. What if you could increase your spending in that category by 50%? Jesse challenges you that you can in fact do this, by honing in on the things you love, and the things you don't. Spend less on the things you don't love -- not because you are cutting! -- but so that you can spend more on the things you love.

 

Got a question for Jesse? Send him an ...

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May 27, 2024 5 mins

According to Jesse, absolutely you can! In fact, YNAB enables you to be more spontaneous. Planning your spending with YNAB doesn't mean locking your dollars into rigid categories that cannot change. It means setting aside money ahead of time for the things you don't know you want yet. Many people who thrive on spontaneity unfortunately end up in financial trouble, because they're never sure whether they have the money to afford the...

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May 20, 2024 7 mins

We tend to think of spending as a problem that needs to be solved, however YNAB encourages spending as a thing to be enjoyed, as long as that spending is in accordance with priorities and people understand the tradeoffs they are making when they spend. In the world of personal finance we also tend to think about people who are natural spenders, but they are natural savers as well, and YNAB can help them too! Jesse responds to a com...

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May 13, 2024 8 mins

Jesse fields a question from the YNAB team about how he stays positive in light of rapidly increasing grocery prices.

 

Got a question for Jesse? Send him an email:

askjesse@ynab.com

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

 

Follow YNAB on social media:

Facebook: @iYNAB

Instagram: @youneedabudget

Twitter: @ynab

Tik Tok: @ynabofficial

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Jesse answers another round of questions from his inbox, including a number of suggestions for new books to read!

 

 

Got a question for Jesse? Send him an email:

askjesse@ynab.com

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

 

Follow YNAB on social media:

Facebook: @iYNAB

Instagram: @youneedabudget

Twitter: @ynab

Tik Tok: @ynabofficial

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April 29, 2024 4 mins

It's not uncommon for people to remark to Jesse that they wished they would have found YNAB sooner. The four habits are such a powerful tool for bringing clarity to your money and joy to your spending. Today Jesse wants to remind you that regretting the past is no way to live!

 

Got a question for Jesse? Send him an email:

askjesse@ynab.com

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

 

Follow YNAB on social ...

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April 22, 2024 8 mins

Jesse reviews the Four Rules and takes issue with those who say, "yeah must be nice to have extra money to make a plan with... everything I make is spoken for." It's true, there are some people who have a legitimate income problem. But this argument often becomes an excuse to not actually make plans for your money, to not try to follow the rules and start to get ahead on your expenses. After all, what's the alternative?

 

Got a que...

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April 15, 2024 6 mins

Your biggest single expense is one you probably don't think about much... unless you're American and it's April 15th. You may think it's housing, or maybe education, or raising kids, but all those costs are dwarfed by the elephant on your income statement: taxes. We are taxed in hundreds of ways, some obvious like income taxes and sales tax, others more insidious like fuel tax, air travel tax, liquor tax, etc, etc. Jesse points thi...

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April 8, 2024 6 mins

Let's cut spending! And then... what exactly? The all too common advice that you need to "cut spending" implies that your level of consumption is simply too high. That may or may not be the case, but in Jesse's experience and the thousands upon thousands of people YNAB has helped to regain control over their money, "spending less" is rarely the problem. Most people don't have a spending too much problem, they have a spending on the...

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Jesse answers another round of questions from YNAB listeners. Today someone asks whether there is such a thing as "perfect YNAB" use and if good enough use is OK (yes!). Another YNAB'er is confused on how to calculate tithes for business income, and, as always, there are some questions and comments about credit card rewards.

 

Got a question for Jesse? Send him an email:

askjesse@ynab.com

 

Sign up for a free 34-day trial of YNAB a...

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Jesse answers a question from a listener who argues that becuase he carries enough cash to cover his credit card spending at all times, he is not riding the float and therefore is gaming the credit card companies. Jesse quotes Charlie Munger -- "show me the incentive, and I'll show you the outcome" (he actually said outcome not behavior) -- and observes that financial institutions have big incentives to encourage more spending, bec...

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March 18, 2024 6 mins

Jesse argues that the common refrain of a thing having "inherent value" or "intrinsic value" is not actually a thing. As Jesse explains, value is a moving target, constantly shifting along with our desires and material circumstances. To a starving man, food is worth more than gold. To that same man well-fed, it can be worth little. We see this with our own money -- as our circumstances change, the categories we prioritze shift. Rul...

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Jesse is back answering another round of questions from his inbox. Today he responds to listeners asking whether the Four Rules are really rules or rather habits, what his favorite time management tools are, and how to relate to a spouse uninterested in budgeting.

 

Getting Things Done: The Art of Stress-Free Productivity

https://www.amazon.com/Getting-Things-Done-Stress-Free-Productivity/dp/0142000280

 

Four Thousand Weeks: Time ...

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Jesse shares a story from a YNAB'er who had a major mindset shift about money. For this person, money went from a stressful topic to envisioning it as "young creatures just looking to party." Imagining your dollars as little "you's," searching for ways to improve your life and live out your values takes away the fear and anxiety around money.

 

Got a question for Jesse? Send him an email:

askjesse@ynab.com

 

Sign up for a free 34-d...

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