640 episodes

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.

You Need A Budget (YNAB‪)‬ Jesse Mecham

    • Education
    • 4.6 • 83 Ratings

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.

    A Major Downside to Not Having Money Stress

    A Major Downside to Not Having Money Stress

    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 no money stress except people who are rolling it in?
     
    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

    • 4 min
    Ask Jesse: Doubling Income, Real Estate, Debit Card Fraud Prevention

    Ask Jesse: Doubling Income, Real Estate, Debit Card Fraud Prevention

    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 estate investments, and whether debit cards have sufficient fraud protection to use over credit cards.
     
    Please keep your questions coming! Send them to:
    askjesse@ynab.com
     
     
    Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

    • 8 min
    Ask Jesse: More on Credit Cards, Tracking 401k in YNAB, and Paying Off Student Loans

    Ask Jesse: More on Credit Cards, Tracking 401k in YNAB, and Paying Off Student Loans

    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 household will only use a single debit card for expenses in 2023.
     
    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

    • 7 min
    Now Burn It All Down Again

    Now Burn It All Down Again

    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 burndown.
     
    Every year Jesse burns down his budget... er, plan, and examines every single assumption built into it. Do we really need to own a house? What if we lived in an RV for awhile? Do we need two cars? What if we sold one? Etc, etc. The point of this exercise is to question everything, and in the process, better understand what your non-negotiables are. In most cases, you'll likely put most of the categories you had back into your plan. But perhaps the burn down process helps you identify a couple areas that don't really serve you anymore, or dollars that could be more useful doing a different job.
     
    So, get ready to burn it down!
     
    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

    • 7 min
    Don't Make Big Changes, People!

    Don't Make Big Changes, People!

    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 urges you to pump the brakes, however, and DO NOT make big changes to your budget. Not right now. Just iterate on what you've been doing, and try to do a little bit better than last year.
     
    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

    • 3 min
    A Strategy for the Holidays in 2023

    A Strategy for the Holidays in 2023

    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 Christmas 2023 by putting aside one twelfth of the Christmas budget each month.
     
    Jesse also has another exercise for you. Write a little note to yourself about what went well this Christmas, and what you want to do differently next time. Then set a reminder for that note to open back up in October 2023. You'll have forgotten by then, and you'll have plenty of time to prepare to make the next Christmas even better than the last.
     
    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

    • 3 min

Customer Reviews

4.6 out of 5
83 Ratings

83 Ratings

Bus Boss 1973 ,

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

Cupmaballz ,

Got me more into debt

This show made me sell my kidney

Csibiur ,

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.

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