You Need A Budget (YNAB)
Episodes
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. In this first part of a mini-series on debt, Jesse makes a case for living completely debt-free. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com Read more
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! Planning to fund your expenses in future months becomes more critical the more variable your income is.
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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 think! Would you be interested in a business-focused podcast? What kind of topics would you like to hear about? Email Jesse at podcast@youneed...
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 behind the goals? If you could write a mission statement for your life, what would it say? Answering the simple question "Why?" might be the most important thing you do after you complete the blocking and tackling of paying off de...
"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 retirement (the longer acronym FIRE stands for financial independence, retire early) -- but the idea is simple. Live below your means, drastically increase your savings rate and accumulate enough wealth to "retire" or perhaps b...
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 stepping stone, toward the greater goal. So if the day to day grind of fiscal responsibility is getting to you, change your milestones! Maybe it's $749, or $362.54. It's all arbitrary, right? Have fun with...
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, food -- these are non-negotiable. You can and should, however, drill down into the details of each category and ask yourself whether you could live without some of the expenses in that category. You need utilities to live, clearl...
Why do we become desensitized to the upticks in price of just about everything?
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"We could spend less if we wanted to."
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New feature alert: two factor authentication
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Everyone is getting into the lending money game.
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Jesse discusses payroll advance apps.
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Jesse discusses payroll advances in relation to age of money.
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Jesse goes back to basics and breaks down YNAB's Rule Four: Age Your Money
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Jesse goes back to basics and breaks down YNAB's Rule Three: Roll With The Punches
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Jesse goes back to basics and breaks down YNAB's Rule Two: Embrace Your True Expenses
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Jesse goes back to basics and breaks down YNAB's Rule One: Give Every Dollar A Job.
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How do we curb the immediacy bias with DIY?
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How many dollars are you sending to your retirement fund?
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Jesse reviews the automated investing app, Acorns.
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