697 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.

The YNAB Podcast Jesse Mecham

    • Education
    • 4.6 • 1K 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.

    Looking In the Mirror

    Looking In the Mirror

    Mirror, mirror on the wall... which category is the truest of them all? Over the last several weeks, Jesse has explored the idea that money is more than just a tool, it's a reflection of you. Your spending is a representation of your energies and your desires, and therefore a proxy for who you are. So, if you imagined the categories in your spending plan as a mirror -- what would that mirror say about you? Do you like what's in the reflection?
     
    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
     

    • 8 min
    Money Is Not a Tool

    Money Is Not a Tool

    One of the pervasive messages about money is that "it's just a tool," and Jesse takes issue with that! When money is reduced to a mere tool, like a wrench or a screwdriver, it invites people to be more careless with it, to use it then put it in a drawer and forget about it. Hearkening back to episode #650: It's You All the Way Down, Jesse reminds us that if a dollar is the product of your energies, then a dollar is you! You aren't just a tool -- you are a human, with desires and values which are reflected in your spending. In this light, then, money takes on a much larger role than merely "tool," and it should be treated with the importance and attention it deserves.
     
    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
     

    • 6 min
    Dire Straits, or Rolling In It, It's All the Same

    Dire Straits, or Rolling In It, It's All the Same

    Whether your bank account is looking bare and collecting dust, or flush with cash, the temptation is all the same: to run away from the money. The person in dire financial straits often wishes they had a bunch of money, because then they wouldn't have to worry about money. On the flipside, the person newly flush with cash is quick to forget about the money, because they feel like they have enough now. Inattention is a mistake, no matter how it happens!
     
    Send your question to Jesse:
    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

    • 4 min
    Ask Jesse: How to Plan with a Reluctant Partner, and Some Successes

    Ask Jesse: How to Plan with a Reluctant Partner, and Some Successes

    Jesse opens his inbox for another for round of Ask Jesse, where he answers emails from YNAB'ers about all things money, finance, and... well, life! In today's episode, one listener asks about how to deal with a reluctant partner who doesn't want to participate in the YNAB process. Other listeners share their successes paying off debt and gaining control of their money for the first time.
     
    Send your question to Jesse:
    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

    • 8 min
    A Sample of Interesting, Joyful Spending

    A Sample of Interesting, Joyful Spending

    Back in October 2023, Jesse asked listeners to look at their last ten transactions on YNAB and rank them on a scale from one to three, with one being spending that sucked joy from them and three being spending that sparked joy. Then he asked listeners to share their most interesting "three," the most interesting transaction that brough joy. Today, Jesse digs through the answers and discovers an interesting commonality -- the spending that sparked the most joy was spending on other people.
     
    Have a question for 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

    • 6 min
    YNABers Share Their New Years Resolutions

    YNABers Share Their New Years Resolutions

    A few weeks ago, Jesse put out the call to share your New Years resolutions, as well as a guiding word for 2024 -- something to help you put your resolution into action day to day. Jesse received a number of great responses, and shares a sample of them on today's podcast.
     
    Good luck working toward your goals in 2024!
     
    Have a question for 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

    • 7 min

Customer Reviews

4.6 out of 5
1K Ratings

1K Ratings

Adriankeith ,

Life changing

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!

sophiahumble ,

Something has changed?

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.

LovePoster ,

THANK YOU

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!!

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