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 • 703 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.

    Just Settle In

    Just Settle In

    While canning tomatoes from a bumper crop, Jesse realized the process was going to take a looooooong time. His wife advised him, simply, to "just settle in." Anything that yields great results in the future takes both upfront effort and perseverance. Whether it's gardening, putting up vegetables for the winter, or budgeting, you have to settle in.

    • 5 min
    Never Spend Your Emergency Fund Again

    Never Spend Your Emergency Fund Again

    Jesse lays out a strategy for managing unknown expenses without continually dipping into your emergency fund. Traditional budgeting advice tells you to create an emergency fund for dealing with unforeseen expenses, but often people end up using their emergency funds for irregular, but foreseeable expenses -- things like new tires, new cars, A/C repair, etc. They don't happen regularly, maybe only every several years, but if you look into the future you know they are coming.

    • 4 min
    Are You Just Not Smart With Money?

    Are You Just Not Smart With Money?

    Jesse tackles the defeatist attitude some people develop that they are just no good with money. As they say, comparison is the thief of joy, and we should add, it's very misleading when it comes to money! Watching what other people do with their money isn't particularly helpful or relevant to your own situation.

    Bottom line, being smart with your money simply means knowing what you want your money to do, and allowing it do that for you. This is something anyone can do!

    • 4 min
    Lifestyle Creep?

    Lifestyle Creep?

    Recently someone asked Jesse about his thoughts on preventing lifestyle creep, a major supposed gremlin of budgeting. Jesse doesn't even like the question, and discusses why worrying about lifestyle creep is looking at budgeting in the wrong light.

    • 3 min
    Mindfulness and Money: A Chat with a Meditation Expert

    Mindfulness and Money: A Chat with a Meditation Expert

    Recently Jesse received an email from a woman who claimed YNAB was really a program about mindfulness... just using money and budgeting as the entry point. So Jesse invited this woman onto the podcast to talk about the connection between mindfulness, meditation, and money. Welcome to Kathleen Slattery-Moschkau, a mindfulness expert, yoga instructor, and filmmaker currently residing in Madison, WI where she runs The Studio.

    • 30 min
    Progress Purchases

    Progress Purchases

    Let's face it, it feels good to buy things. That's not necessarily a bad thing, either. Spending on hobbies or other things that bring you value -- maybe a date with your partner -- makes you feel good for a good reason.

    • 4 min

Customer Reviews

4.6 out of 5
703 Ratings

703 Ratings

09wildmagnolia ,

Love the Short Episodes

I just stumbled upon this podcast today, after deciding to take steps in finding financial freedom. I’m LOVING it and learning so much!

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!

P4 Gavin ,

Nice podcast

This podcast offers short episodes that discuss various topics to improve your financial and personal lives.

It’s not my favorite personal finance podcast, but this adds a slightly different perspective on some areas that I enjoy.

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