299 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, 657 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.

    Daily Reconciliation and Gardening

    Daily Reconciliation and Gardening

    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 long game, but sees each move in detail.

    • 4 min
    Doing Nothing Is Something

    Doing Nothing Is Something

    It's a common refrain in times of crisis. We must do something. But inaction is, in fact, always an option. Many times, especially when it comes to finances, it is a great option! Jesse reminds us that, in light of current economic conditions, it's perfectly OK to do nothing.

    • 2 min
    Chickens, Fruit Trees, and Trellises

    Chickens, Fruit Trees, and Trellises

    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 trees, and a garden full of asparagus, cantaloupes, and other goodies.

    • 4 min
    Windfalls and Uncertainty

    Windfalls and Uncertainty

    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 true nowadays, cash is king!

    • 6 min
    YNAB and COVID-19

    YNAB and COVID-19

    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 budgeting advice they can.

    • 4 min
    Chasing Value

    Chasing Value

    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 assets like bonds and gold falls, yet demand for household goods like flour and toilet paper soar, it shines some light on the practical value of things. In short,  you can eat flour, but you can't eat a bar of gold!

    • 10 min

Customer Reviews

4.6 out of 5
657 Ratings

657 Ratings

S.Sitron ,

Life-changing

We started seriously using YNAB and listening to this podcast in January. Thanks to that, in March we were for the first time out of the paycheck to paycheck cycle when we both lost our jobs AND got sick with Covid-19 at the same time. Thanks to this amazing tool we had the peace of mind to be able to heal up without the stress of money on our minds. We are still waiting to receive unemployment, but not stressed at all. I’ve tried numerous budgeting systems over the years and YNAB is by far the best. If you take the time to learn it and listen to the podcast to get inspired, this system can change your life! I especially find the “debt stories” series to be inspiring. Thank you YNAB!

Kmelfi10118 ,

Older episodes are better

Love the YNAB software, have been using various versions of it since 2013. Discovered this podcast early 2019 and binged the old episodes and listened to the new ones each week in real time. The last 6 months have been hit or miss, some episodes are short and pointless. I really feel like it could be so much more, maybe if there were listener submitted topics or questions? Still love YNAB, their blog on their website is awesome and the free classes are great.

BethyBearSmith ,

Wow

“Put it this way, we’re still doing better than you.”

This is the one single line that has turned me against this podcast.

Sad.

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