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

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.

    Optionality & Why You Should Follow Rule Two Instead of Paying Down Debt

    Optionality & Why You Should Follow Rule Two Instead of Paying Down Debt

    Save money for known future expenses, or pay down debt? It's a challenge many people face while trying to eliminate their debt. It's a conundrum too -- you could take your savings and pay down debt now, or hold onto to those savings for the new tires you know your car needs next month, or the Christmas gifts you want to buy for the family. If you do that, though, the debt balance stays the same while you continue to pay interest...

    • 4 min
    Incentives and Your 401(k)

    Incentives and Your 401(k)

    Jesse reflects on a Senate bill -- now signed into law as the Setting Every Community Up for Retirement Enhancement (SECURE) Act -- which will require a greater amount of employers to offer 401(k) plans to employees. The new law also makes it easier for annuities to be included in 401(k) offerings by easing the fiduciary rules around fees and expense ratios.

    • 7 min
    Opting Out of the Credit Card Game

    Opting Out of the Credit Card Game

    For better or worse (probably worse), credit cards are a major part of our financial world now. Cash is becoming less and less convenient to use every year, and debit cards continue to lack the same level of fraud protection that credit cards enjoy.

    • 11 min
    January Burndown 2020

    January Burndown 2020

    It's time to blow it all up! Every January, Jesse takes time with his family to "blow up" his budget and all the assumptions that drive it. He takes a fresh look at the dollars in the budget, and starts to question everything.

    • 6 min
    The YNAB Debt Bootcamp

    The YNAB Debt Bootcamp

    If you made it through the last few weeks, you know why Jesse hates debt and why you should too!

    Start the New Year by putting those feelings into action. Jesse has created a "debt bootcamp" for YNAB users to help you get serious about getting rid of your debt for good. Best of all, it's FREE for all YNAB software subscribers.

    • 5 min
    Why I Hate Debt Pt. 4: The Corporations

    Why I Hate Debt Pt. 4: The Corporations

    The corporations are playing a game, and you can't win. So opt out and stop playing the game! In the part 4 of the "Why I Hate Debt" miniseries, Jesse explains how behind every credit card is a clever system of points, travel miles, and other "free" rewards designed to keep you spending and in debt.

    • 9 min

Customer Reviews

Emily1452 ,

Love the podcast!

Jesse, you and your team are changing lives! I am a new user of YNAB and love the podcast!! I did go back pretty far in the archive and have just gotten caught up on the podcast. I especially loved the debt stories, and the interviews are also a great way to mix up the podcast with the usual bite-sized weekly topics. Keep it up!

spookybell ,

Money empowerment

I never found a budgeting tool until I found this podcast. It makes sense and I am able to put it into action. After quicken, quickbooks, spreadsheets, statements and reconciling, I’m now aware of my spending and I am able to realize when I have enough. Thanks YNAB & Jesse

randeeotte ,

Life changing

Jesse’s method and software is honestly life-changing. Thanks for teaching us the way and keeping us on track with the podcasts.

Top Podcasts In Education

Listeners Also Subscribed To