Jesse, I am sorry but, I did the creepy thing and listened to all the previous episodes. I was in too deep when you first said not to do that but I had to finish them all. I’ve been using YNAB since the start of 2023 and have since payed off nearly $10,000 of medical and CC debt since. I got my mom plugged in and turned her financial life around as well. I am currently working on my last debt (my car) and aging my money. All while feeling the most financially free and comfortable ever. Your product and wisdom has opened my eyes for the better. Thank you.

Easily one of the best, simplest podcasts and best, simplest budgeting apps. It might take a little getting used to but in the last 4 months alone I’ve halved my total debt and expect to be debt free by the end of the year. Let that sink in. This podcast is a nice regular listen that keeps you engaged with your budget. They also offer tons of free videos on YouTube and they don’t even push their own product. Thank you to the team behind YNAB for making me feel awesome about budgeting and for helping me knock out my debt! It’s given me a major confidence boost!

Not enjoyable to listen to. They might be going for quick easy to digest bites of info but I am getting pointless and not worth my time. Might work as TikToks but I was left wanting more.

Hm, I was a big fan of the YNAB podcast, but I feel that the direction has shifted a bit (especially with these tangents on credit cards). It’s feels more “angry” or that I’m being lectured to. I love learning, which is why I began listening. But it’s shifting a bit into a talk radio space.

I am so grateful for this podcast and the YNAB teams delivery on content. I am in the military, I am about to go through a huge transition in leaving the military. This tool has helped my overall financial health and improving my thoughts on how to deal with finances. I am not prefect by any means but I feel empowered to make better choices. Thank you!!

After a decade of student loan debt that drowned us, children joining our lives, budgeting has been hard. We had listened to all of the budgeting gurus………at least that’s what we thought. We did the other apps, we tried the envelope system, and we failed each time. Nothing was adaptable until now. After being asked if I’d listen to the book, I begrudgingly agreed and got about 10 minutes in just thinking what more could this guy tell me that the ‘other guys’ haven’t told me already …… This guy. If he could help shift my paradigm and focus, I’m certain these rules could help anyone who wants to make better budgeting decisions in life! Thank you Jesse and YNAB team. We look forward to really going full force!

November 2021 UPDATE. I wrote the review below about a year ago and gave 3 stars. Maybe someone read it or maybe it was just serendipity, but the past year, YNAB has really stepped up the podcast, like 1000% improved it. I stand corrected!!! November 2020: 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

Jesse asked for someone who has deliberately chosen to invest instead of pay off their mortgage. 🙋🏻‍♀️To preface, I had been saving for a house, staying away from debt, auto investing, & listening to all episodes of this podcast in preparation to prepare myself mentally for a mortgage. Our brokerage had grown significantly & we had enough money to pay for our house in cash, but we chose to use our investment to put 50% on down payment and kept 50% in the market. By knowing our numbers and by using ynab, we knew that the mortgage payment would be something we could afford without impacting our lifestyle. Now, 2-years later we have more than recouped the down payment with the investments we left in the market, we refinanced to get a lower interest rate, we continue to pay the old mortgage number to pay our mortgage faster (treating our 30-year as a 15-year), and we are writing off the interest of our mortgage for a tax break.

My daughter, attending BYU many years ago, suggested I begin using YNAB. Being the financial guy that I was, I loveD my spreadsheet budget and thought it was the best. Finally, for a number of reasons, decided I would give YNAB a try. I am just kicking myself for not starting this many many years ago as it is such a great tool. The full visibility of our budgeting process to my wife and I it’s been fantastic and actually a game changer in our financial relationship. As I am approaching retirement, not the most of your users are in that phase of life, but it might be nice to have some videos/pods on retirement budgeting. Thanks loads. Wayne

I am not an Apple user, but since this seems to be the only way to review podcasts, and I was here reviewing another... I figure I may as well stop by and drop notes on a few others. I love Jesse's YNAB podcast. Short, digestible nuggets on managing finances, and life in general.