648 episodes
You Need A Budget (YNAB) Jesse Mecham
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- Education
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4.6 • 999 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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Ask Jesse: Talk Slower, Pay Down Debt Faster
It's time for another round of Ask Jesse! Jesse fields questions from podcast listeners about how to manage multiple bank accounts, negative budgeting, and whether he can slow down his speech pattern (sorry Leslie!)
Find a YNAB Certified Coach:
https://www.ynab.com/coaching-directory/
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 -
Rule One and the Pursuit of Nothing
Jesse challenges the idea of constantly pursuing something financially. For many of us in the modern world, our default is to always be chasing something -- more things, more experiences, more retirement funds, more debt paid down. Some of these things are a net good, some... maybe not. Jesse reminds us that our financial life doesn't always have to be in pursuit of something. It's ok to just let your money support your life, and nothing more. Can you do that, just for a little while?
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 -
Expensive Is a Lazy Word
When people say "that's too expensive," what do they mean really? That they can't afford it, that it costs too much for a certain group of people, that it costs too much on principle? Jesse relates Rule One to the word "expensive" and concludes that its meaning is too slippery to be a useful term for people following the Four Rules.
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 -
Ask Jesse: Travel Hacking, Credit Cards, and YNAB'er Experiences
In this installment of Ask Jesse, Jesse answers questions from podcast listeners about travel hacking and credit card and debit card fraud protection. He also reads an experience from one YNAB'er who switched from using credit cards to debit cards.
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 -
Rule One and DIY FTW
Jesse analyzes a recent situation in which he was planning to build something in his wood shop, when a friend remarked that he could buy the same thing a lot cheaper. While we talk about money all the time in YNAB, and frequently equate money with time, and discuss the tradeoffs of buying this thing versus that thing -- Jesse reminds us that we don't have to think of everything in terms of economic decisions. Sometimes you give dollars a job (Rule One) which is for sheer enjoyment.
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 -
Debit vs Credit Card Smackdown (and a Rant)
In response to episode #603 "You Spend More Money with Credit Cards," many listeners wrote Jesse to pick a bone with his claim that the debit card was a superior way to pay for things. The arguments usually boil down to the assertion that credit cards have better purchase protection and fraud prevention compared to debit cards. Jesse addresses these concerns, and more, on today's episode.
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
Customer Reviews
I’m new to the YNAB game
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!
Older episodes are better
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
Response to Ep 564
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.