title

You Need A Budget (YNAB)

Jesse Mecham

221
Followers
879
Plays
You Need A Budget (YNAB)

You Need A Budget (YNAB)

Jesse Mecham

221
Followers
879
Plays
OVERVIEWEPISODESYOU MAY ALSO LIKE

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About Us

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.

Latest Episodes

The Commander's Intent

At YNAB there is a document called the Vision Doc, which spells out the “commander’s intent” for the company, how to behave and act on the company’s behalf. Employees must make many decisions on a day to day basis, but with a clear commander’s intent they have the freedom to make those smaller decisions while adhering to the company’s greater goal.

3 MIN3 d ago
Comments
The Commander's Intent

Don't Be Average... You Can't Be Anyway

Todd Rose. In the late 1940's the Air Force had a dangerous problem on its hands -- aircraft of all kinds were malfunctioning and crashing at alarming rates. The Air Force brought in scientist Lt Gilbert S Daniels to diagnose the problem.

10 MIN1 w ago
Comments
Don't Be Average... You Can't Be Anyway

Budget. No, Budget!

We often talk about the budget as if it’s a noun. Is it “in the budget”? Did you check the budget? When you treat the budget as a noun it takes on a rigid, inflexible quality, like the budget is set on stone tablets. But what if we thought about “budget” as a verb? As an action, an activity, budgeting becomes a process, a thing which can change and evolve with each iteration.

3 MIN2 w ago
Comments
Budget. No, Budget!

Wait!

Money is made to spend. We all want something, and that something usually costs money. Some of the “wants” are fleeting desires, spurred by mood or peer pressure or perhaps just a whim. Other “wants” are genuine desires and items or experiences that actually add value to your life.

5 MIN3 w ago
Comments
Wait!

Doing Nothing Is Something

There's a cliche in TV and film whenever something bad happens in a crowd of people, inevitably someone in the crowd shouts "why doesn't someone do something!" This is usually the cue for the superhero to enter stage right. We hear this sentiment all the time, not just in bad cinema, but in real life. Anytime a problem reaches a level of widespread concern -- whether it's a local neighborhood issue or a national one -- something must be done about it.

3 MINMAR. 2
Comments
Doing Nothing Is Something

Budgeting for Lady Luck

They are prepared for emergencies, for setbacks, for unexpected life changes. In fact emergencies don’t seem to happen as often to them. YNAB’ers are a lucky set, it seems, but maybe there’s more to the truth than a roll of the dice.

4 MINFEB. 24
Comments
Budgeting for Lady Luck

Opting Out of Credit Cards (A Bit)

In episode 411, Jesse decried the ubiquity of credit cards and the fact that they enjoy a number of benefits that plain old debit cards do not... at the risk of getting yourself in debt. Since then, he's learned of a few strategies for managing fraud risk with debit cards.

5 MINFEB. 17
Comments
Opting Out of Credit Cards (A Bit)

Scratching the Gambling... Er, "Investing" Itch

Jesse admits he's got an itch to scratch. He likes to invest gamble in the stock market from time to time, using an app that allows him to trade at the swipe of a finger. At least he's honest -- it's gambling with fun money, not investing. And that's the key. It's money he can afford to lose, and it's not much.

5 MINFEB. 10
Comments
Scratching the Gambling... Er, "Investing" Itch

Optionality and Managing Your Fixed (or Growing) Expenses

Wealth is not a dirty word. After all, wealth can allow us to do many interesting and fulfilling things with our lives. At the very least, it provides options, opening up the range of possibilities before us. Simply put, wealth can allow us to live the life we want to live.

6 MINFEB. 3
Comments
Optionality and Managing Your Fixed (or Growing) Expenses

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 MINENE. 27
Comments
Optionality & Why You Should Follow Rule Two Instead of Paying Down Debt

Latest Episodes

The Commander's Intent

At YNAB there is a document called the Vision Doc, which spells out the “commander’s intent” for the company, how to behave and act on the company’s behalf. Employees must make many decisions on a day to day basis, but with a clear commander’s intent they have the freedom to make those smaller decisions while adhering to the company’s greater goal.

3 MIN3 d ago
Comments
The Commander's Intent

Don't Be Average... You Can't Be Anyway

Todd Rose. In the late 1940's the Air Force had a dangerous problem on its hands -- aircraft of all kinds were malfunctioning and crashing at alarming rates. The Air Force brought in scientist Lt Gilbert S Daniels to diagnose the problem.

10 MIN1 w ago
Comments
Don't Be Average... You Can't Be Anyway

Budget. No, Budget!

We often talk about the budget as if it’s a noun. Is it “in the budget”? Did you check the budget? When you treat the budget as a noun it takes on a rigid, inflexible quality, like the budget is set on stone tablets. But what if we thought about “budget” as a verb? As an action, an activity, budgeting becomes a process, a thing which can change and evolve with each iteration.

3 MIN2 w ago
Comments
Budget. No, Budget!

Wait!

Money is made to spend. We all want something, and that something usually costs money. Some of the “wants” are fleeting desires, spurred by mood or peer pressure or perhaps just a whim. Other “wants” are genuine desires and items or experiences that actually add value to your life.

5 MIN3 w ago
Comments
Wait!

Doing Nothing Is Something

There's a cliche in TV and film whenever something bad happens in a crowd of people, inevitably someone in the crowd shouts "why doesn't someone do something!" This is usually the cue for the superhero to enter stage right. We hear this sentiment all the time, not just in bad cinema, but in real life. Anytime a problem reaches a level of widespread concern -- whether it's a local neighborhood issue or a national one -- something must be done about it.

3 MINMAR. 2
Comments
Doing Nothing Is Something

Budgeting for Lady Luck

They are prepared for emergencies, for setbacks, for unexpected life changes. In fact emergencies don’t seem to happen as often to them. YNAB’ers are a lucky set, it seems, but maybe there’s more to the truth than a roll of the dice.

4 MINFEB. 24
Comments
Budgeting for Lady Luck

Opting Out of Credit Cards (A Bit)

In episode 411, Jesse decried the ubiquity of credit cards and the fact that they enjoy a number of benefits that plain old debit cards do not... at the risk of getting yourself in debt. Since then, he's learned of a few strategies for managing fraud risk with debit cards.

5 MINFEB. 17
Comments
Opting Out of Credit Cards (A Bit)

Scratching the Gambling... Er, "Investing" Itch

Jesse admits he's got an itch to scratch. He likes to invest gamble in the stock market from time to time, using an app that allows him to trade at the swipe of a finger. At least he's honest -- it's gambling with fun money, not investing. And that's the key. It's money he can afford to lose, and it's not much.

5 MINFEB. 10
Comments
Scratching the Gambling... Er, "Investing" Itch

Optionality and Managing Your Fixed (or Growing) Expenses

Wealth is not a dirty word. After all, wealth can allow us to do many interesting and fulfilling things with our lives. At the very least, it provides options, opening up the range of possibilities before us. Simply put, wealth can allow us to live the life we want to live.

6 MINFEB. 3
Comments
Optionality and Managing Your Fixed (or Growing) Expenses

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 MINENE. 27
Comments
Optionality & Why You Should Follow Rule Two Instead of Paying Down Debt

More from Jesse Mecham

Show

Playlists

BUDGETING■MONEY
Trish Bowers
Budgeting 2
Trish Bowers
organize-declutter-mini
Trish Bowers
CURIOSITY
Trish Bowers
hmly
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