684 episodes
The YNAB Podcast Jesse Mecham
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- Education
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4.6 • 88 Ratings
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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.
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Giving the Old Bird to Money
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 speak. It's an act of defiance, that you don't need it, and you aren't consumed by it. But mostly, it's an act of joy, to give it away freely because your spending plan is working and your needs and wants are met.
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:
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It Has Nothing, and Everything, to Do with Spending
"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 money is you -- the sum product of your energies and desires -- and if that's true, then you don't need to spend less money. You need to spend more of you on you! The more you can engage with the question of "what do I want my money to do" the more joy spending can bring you, because ultimately that question is "what do I want to do?"
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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You Didn't Quit. To Every Season...
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 over periods of many years. Some seasons you're really engaged with your spending and some seasons you're not. But you didn't quit. Whether you need a fresh start, or you're trucking along and spending with joy, this is a season.
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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Building Habits: Four of Them, Actually
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:
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 -
BONUS: Goodbye Mint, Hello YNAB
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 looking for a replacement budgeting app. Intuit is directing users to its Credit Karma service, but it's unclear yet whether it will offer the budgeting and expense tracking features Mint was known for.
YNAB, however, still remains! Jesse points out that YNAB may not be the right solution for every Mint user -- after all, YNAB aims to help you change your behavior and thinking around spending, not just track your expenses and produce pretty graphs. As Jesse puts it, YNAB is like the movie Minority Report, where robots can predict the future and prevent crime before it happens. Mint, on the other hand, is like an episode of CSI, where there's a dead body, and everyone is trying to figure out why it happened. Mint is good at tracking expenses and telling you what happened in the past, but it leaves it up to you to determine why those things happened and how to prevent problems in the future. YNAB encourages you to create a plan for your dollars and anticipate future expenses, so that you can solve financial problems before they happen. And, because life is complex and ever-evolving, YNAB helps you roll with the punches and adjust your plan as you go. Oh, and YNAB won't try to sell you on credit cards, pay as you go plans, or other debt either.
So if you have left Mint and are looking for a new, more powerful approach to your personal finance goals, consider YNAB!
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 -
Joy Is a Three
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 joy There's one catch! You can only rate two of those transactions as neutral. Why? Because Jesse said so. Then share your most interesting 1's and 3's with Jesse! Email him at:
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
Customer Reviews
So far so good
Wish I found this APP when I was newly married and not 15 years from retirement.
It’s a clean, simple budgeting tool that leaves accountability solely with the user. Plenty of support via Podcast, YouTube and Facebook.
I have had immediate results with use and look forward to seeing where this will take us in the future!
Regards,
Selena
Got me more into debt
This show made me sell my kidney
A Great Podcast on Everything Personal Finance
Short and easy-to-listen-to episodes, covering a wide variety of personal finance topics. Jesse has a very approachable and relaxed tone as he talks about these topics and the short format works perfectly for my short commutes.
A great personal finance podcast whether you use YNAB or not.