Podcast

You Need A Budget (YNAB)

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.

Episodes

  • Doing Nothing Is Something

    May 25 2020

    It's a common refrain in times of crisis. We must do something. But inaction is, in fact, always an option. Many times, especially when it comes to finances, it is a great option! Jesse reminds us that, in light of current economic conditions, it's perfectly OK to do nothing.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Chickens, Fruit Trees, and Trellises

    May 18 2020

    There's something growing at the Mecham household... and it's in the backyard! Jesse confesses he spent a good portion of his paternity leave preparing a garden with a handful of chicks, fruit trees, and a garden full of asparagus, cantaloupes, and other goodies.   As always, while exercising his green thumb Jesse was thinking about budgeting. Immediate gratification is rare in the natural world. Nearly everything worth having takes time, effort, and care to grow and develop. Chicks need to be f...more

  • Windfalls and Uncertainty

    May 11 2020

    After receiving several questions about what to do with windfall money during times of economic uncertainty (like these), Jesse tackles the topic in today’s episode. As always, but especially true nowadays, cash is king!   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • YNAB and COVID-19

    May 04 2020

    Freshly returned from paternity leave, Jesse discusses how YNAB has handled the coronavirus pandemic as a company. As always, his focus and the company's focus has been on giving the best budgeting advice they can.   Additionally, the YNAB team has written articles exploring how people can weather the financial storm in the wake of COVID-19. You can read the blog entries here: https://www.youneedabudget.com/blog/     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Chasing Value

    Apr 27 2020

    Jesse examines how the recent panic buying of food, home goods, and other staples highlights the intrinsic value of certain things that we take for granted. When demand for historically safe assets like bonds and gold falls, yet demand for household goods like flour and toilet paper soar, it shines some light on the practical value of things. In short,  you can eat flour, but you can't eat a bar of gold!   In the future, Jesse encourages us to consider saving not only for future expenses and ret...more

  • Write That Gem Down!

    Apr 20 2020

    Jesse muses on the impact the coronavirus will ultimately have on people and their habits. When society reopens, will people return to their previous habits? Or will they grow, having spent their time in isolation examining themselves and their priorities, their Rule Zero?   Jesse hopes that people do use this time to reflect, to re-examine their life and rediscover their priorities, and, most importantly, write down the wisdom that comes from that process!   Sign up for a free 34-day trial of Y...more

  • Rule Zero Morphs Before Your Very Eyes

    Apr 13 2020

    Last week Jesse discussed the importance of Rule #1, giving every dollar a job. Rule one is always important, but in uncertain times like these it takes on renewed significance. Jesse has often talked about the rule before the rule, though, the so-called Rule Zero.   Rule Zero is understanding what's important to you, why you're bothering to give your dollars a job in the first place. At the end of the day, to what end are you budgeting? What's the purpose?   In the wake of the pandemic and econ...more

  • You've Never Budgeted At A Time Like This

    Apr 06 2020

    With the world at a standstill due to the COVID-19 pandemic, one thing is certain. We’ve never budgeted at a time like this!   Jesse offers some comforting words in this time of crisis, and reminds us to follow Rule #1: Give Every Dollar A Job. Never stop budgeting. Even if it’s only a week ahead, a day ahead, staying engaged and continually planning will give you the best chance to survive financially in these times, and, eventually, thrive. Budgeting is one area of our lives that we can contro...more

  • The Commander's Intent

    Mar 30 2020

    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.   It’s useful to develop the same commander’s intent for your budget. With a clear goal and aim for the budget, it becomes easier to make those small...more

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

    Mar 23 2020

    Jesse reads an excerpt from the book The End of Average by 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. Daniels discovered that the Air Force had designed cockpits based on thousands of physical measurements taken from its ranks of pilots, then averaged. Daniels ascertained that despite the rigor and br...more

  • Budget. No, Budget!

    Mar 16 2020

    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.   Jesse discusses the importance of budgeting and not just setting a “budget.” Thanks to Hannah who shared this revelat...more

  • Wait!

    Mar 09 2020

    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.   Whichever it is, Jesse argues that you should wait. Wait before you buy anything, even the genuine wants. For one thing, waiting helps you parse out the genuine from the ephemeral.   Jesse keeps a running list of wa...more

  • Doing Nothing Is Something

    Mar 02 2020

    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.   Some problems have no easy answers, and we...more

  • Budgeting for Lady Luck

    Feb 24 2020

    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.   Survivorship bias is a logical fallacy in which you focus on a group of people or things that made it past a selection process, without considering those that failed. This bias can lead to a number of erroneous conclusions. In finance, survivorship bias occurs whe...more

  • Opting Out of Credit Cards (A Bit)

    Feb 17 2020

    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.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Also, go to https://www.youneedabudget.com/bootcamp/ to sign up for the YNAB Debt Bootcamp!

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

    Feb 10 2020

    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.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Also, go to https://www.youneedabudget.com/bootcamp/ to sign up for the YNAB Debt Bootcamp!

  • Optionality and Managing Your Fixed (or Growing) Expenses

    Feb 03 2020

    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.   The only problem is that the accumulation of wealth is often followed by increasing expenses. Some of these are obvious -- a bigger, newer house usually costs more than a smaller, older one -- while others are insidious. A ...more

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

    Jan 27 2020

    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...   Jesse argues that optionality is the key here. Obeying rule #2...more

  • Incentives and Your 401(k)

    Jan 20 2020

    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.   401k) plans are excellent vehicles for saving for retirement because they allow employees to put away a lot of money every year -- up to ...more

  • Opting Out of the Credit Card Game

    Jan 13 2020

    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.   This isn't coincidence either. Jesse attended a "payments trends" conference in 2019, where the main topic was how to make payments easier, to remove as much friction as possible from the process of buying things. Why? Simply put, when you spend mo...more

  • January Burndown 2020

    Jan 06 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.   Need to set aside $400 for a new set of tires in March? That's a responsible Rule #2 line of thinking. But the burndown is your chance to think deeper... do we even need a car? Could we sell it and ride our bikes to work instead?   This is your time to think big, re-eval...more

  • The YNAB Debt Bootcamp

    Dec 31 2019

    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.   The Debt Bootcamp will be an intense, 8-week challenge to get rid of as much debt as possible. The camp will be run through a private Facebook group where you can stay...more

  • Why I Hate Debt Pt. 4: The Corporations

    Dec 30 2019

    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.   Credit cards are a very profitable industry. Would banks and finance companies be giving away rewards if they weren't making a profit from it? Of course not! They've got the data, they've studied t...more

  • Why I Hate Debt Pt. 3: Cost of Opportunity

    Dec 23 2019

    Jesse hates debt, and you should too! In Part 3 of anti-debt miniseries, Jesse argues that debt is not just a drain on our cash flow and creativity, it also restricts our future opportunities!   The burden of debt keeps us from realizing our full potential in many ways -- starting a business, taking a lower paying job for more fulfilling work, moving to a new state or country -- often in the early phases of life when we are most energetic and open to growth.   Sign up for a free 34-day trial of ...more

  • Why I Hate Debt Pt. 2: Constraints & Creativity

    Dec 16 2019

    In Part 2 of the Why I Hate Debt miniseries, Jesse explains why debt is a non-negotiable for him, and why is should be for you too.   At 22 years old, trying to finish his Masters degree and expecting his first child, Jesse found himself caught between two non-negotiables: 1.) Living without debt, and 2.) Allowing his wife to quit work to focus on raising their child. The problem? They didn’t have enough money to last until Jesse started working his new job after graduation, even living a very f...more

  • Why I Hate Debt Pt. 1: Cash

    Dec 09 2019

    Jesse hates debt, and you should too. Debt service constricts our cash flow, limits out ability to do other things like savings and investing, and generally introduces more stress into our lives. In this first part of a mini-series on debt, Jesse makes a case for living completely debt-free.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com  

  • Handling Wildly Variable Income

    Dec 02 2019

    Some of you may be thinking, YNAB sounds great, but what if I don't get a regular paycheck? How am I supposed to budget with that? Well, first off, you definitely need a budget! Planning to fund your expenses in future months becomes more critical the more variable your income is.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • A Business Podcast?

    Nov 25 2019

    Jesse is thinking about launching a separate podcast to discuss small business, internet marketing, and how you can use YNAB to manage your business cash flow, and he wants to know what you think!   Would you be interested in a business-focused podcast? What kind of topics would you like to hear about?   Email Jesse at podcast@youneedabudget.com and share your thoughts!   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Why?

    Nov 18 2019

    Jesse asks the most important question about your reasons for getting out of debt, saving money, and achieving your financial goals. Why?   Why do you do it? What's the reason behind the goals? If you could write a mission statement for your life, what would it say? Answering the simple question "Why?" might be the most important thing you do after you complete the blocking and tackling of paying off debt and building an emergency fund.   Sign up for a free 34-day trial of YNAB at www.youneedabu...more

  • Sowing the Seeds of FI

    Nov 11 2019

    "FI" is an acronym that has steadily grown in popularity over the last decade, though the concept is much older than that. It stands for financial independence -- some people call it early retirement (the longer acronym FIRE stands for financial independence, retire early) -- but the idea is simple. Live below your means, drastically increase your savings rate and accumulate enough wealth to "retire" or perhaps better said, until you can do what you want to do.   Time and savings rate are the ke...more

  • Arbitrary Milestones

    Nov 04 2019

    It's common to set milestones for paying down debt. They're usually big, round numbers like $500, $1k, $5k, $10k. At the end of the day though, the goals are arbitrary. It's just a number, a stepping stone, toward the greater goal.   So if the day to day grind of fiscal responsibility is getting to you, change your milestones! Maybe it's $749, or $362.54. It's all arbitrary, right? Have fun with the game, and make it work for you. Set a new milestone -- whatever you like -- and celebrate when yo...more

  • Categories Below the Line

    Oct 28 2019

    How do you order your categories? What's on top? What's on bottom? And how did you decide that?   Categories are easy to order once you understand your priorities. Rent, utilities, food -- these are non-negotiable. You can and should, however, drill down into the details of each category and ask yourself whether you could live without some of the expenses in that category. You need utilities to live, clearly, but if pushed, what would you keep and what would you cut? Could you live without inter...more

  • Nickeled and Dimed

    Oct 21 2019

    Why do we become desensitized to the upticks in price of just about everything?     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Sure We Could. If We Had To

    Oct 14 2019

    "We could spend less if we wanted to."     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • 2FA FTW

    Oct 07 2019

    New feature alert: two factor authentication     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Everyone's a Lender

    Sep 30 2019

    Everyone is getting into the lending money game. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Payday Lender...Apps

    Sep 23 2019

    Jesse discusses payroll advance apps.     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Fixing the Paycheck to Paycheck Cycle

    Sep 16 2019

    Jesse discusses payroll advances in relation to age of money.     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Rule Four and Waistlines

    Sep 09 2019

    Jesse goes back to basics and breaks down YNAB's Rule Four: Age Your Money     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Rule Three is War

    Sep 02 2019

    Jesse goes back to basics and breaks down YNAB's Rule Three: Roll With The Punches     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Rule Two Broken Down

    Aug 26 2019

    Jesse goes back to basics and breaks down YNAB's Rule Two: Embrace Your True Expenses Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Rule One Broken Down

    Aug 19 2019

    Jesse goes back to basics and breaks down YNAB's Rule One: Give Every Dollar A Job. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • DIY FTW

    Aug 12 2019

    How do we curb the immediacy bias with DIY?     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Singular Focus on the Shovel and its Size

    Aug 05 2019

    How many dollars are you sending to your retirement fund? Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Testing Rounding Up

    Jul 29 2019

    Jesse reviews the automated investing app, Acorns. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Is it Going Up?

    Jul 22 2019

    The rock solid measure of whether or not you're succeeding Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • It's for the Children

    Jul 15 2019

    Jesse takes issue with a phrase we use when it comes to spending money on children. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Bonus Episode: Kristy Shen and Bryce Leung Interview

    Jul 09 2019

    Jesse interview's authors and married couple Kristy Shen, Bryce Leung about their book—available today—Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Should You Start Over

    Jul 08 2019

    One simple question—should you start your budget over? Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • The Clothing Credit Card Experiment

    Jul 01 2019

    A follow up to episode 331, Sacreligious Budgeting. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • The Ideal Budget

    Jun 24 2019

    Data and the ideal budget.     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • A Report on Manual Entry

    Jun 17 2019

    A follow up to episode to 365 on manually entering transactions. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Bulking and Cutting

    Jun 10 2019

    How is a budget like strength training? Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • A Thin Slice of Cheese

    Jun 03 2019

    There are two sides to every slice of cheese. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • That's Progress

    May 27 2019

    Simple benchmarks for budgeting progress Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Is Wanting It Enough

    May 20 2019

    A road trip, a Tesla and a story about Mr. Money Mustache Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Bonus Episode: Ramit Sethi Interview

    May 14 2019

    Jesse interview's author Ramit Sethi about the update of his 10 year old book, I Will Teach You To Be Rich. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Oxygen Masks

    May 13 2019

    Ladies and gentlemen, as we start this episode, please make sure your seat backs and tray tables are in their full upright position Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • A Rock and a Hard Place

    May 06 2019

    Stand up for your nonnegotiables. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • It's Just Not Working

    Apr 29 2019

    Tips for getting over the hurdle of learning to budget.       Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Investing vs Budgeting

    Apr 22 2019

    A simple look at the approach to investing vs budgeting Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Renting a House is Awesome

    Apr 15 2019

    The upside to renting. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Dropping Swears

    Apr 08 2019

    How is a budget like swearing? Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • The Power of Pencil and Paper

    Apr 01 2019

    We're introducing a new service! Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Hey Nerd Chill

    Mar 25 2019

    A message for the budgeting nerds Sign up for a free 34-day trial of YNAB at www.youneedabudget.com Check out our book! - www.ynab.com/book    

  • Ep 13 Debt Story: Meet Jonathan and Miranda

    Mar 21 2019

    Jonathan and Miranda were college sweethearts with $52k in student loans. This is the story of how they paid it all off in just 21 months … and started their family.

  • Hey Free Spirit Here's a Calculator

    Mar 18 2019

    A message for the free spirit budgeter     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Financial Wellness by YNAB

    Mar 11 2019

    A little behind the scenes at YNAB and Jesse asks listeners a favor     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Ep 12 Debt Story: Meet Tanya

    Mar 07 2019

    When Tanya and her husband became parents for the first time, suddenly their financial priorities clicked into place—and, within just 12 months, they’d paid off $31,000 of debt so that they could truly enjoy life with their new son.

  • Manual Entry Take Two

    Mar 04 2019

    Taking another stab at entering transactions one at a time the old fashioned way. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Cash is a King in Hiding

    Feb 25 2019

    Stash some cash     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Ep 11 Debt Story: Meet Siobhan

    Feb 21 2019

    Siobhan came to YNAB looking for a solution to her debt—$60k+ in student loans and $16k+ in credit card debt. Flash forward, and she’s on track to pay the last $30k off by next year. What a difference a couple of years can make!

  • The Allure of Plastic

    Feb 18 2019

    This is a tinfoil PSA ... perhaps Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Age of Money When it Just Keeps Climbing

    Feb 11 2019

    Day-old money is stressful! Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Ep 10 Debt Story: Meet Erin

    Feb 07 2019

    Erin thought that she’d never be able to retire, much less do it comfortably on half of the amount than she previously thought ... but then she found YNAB.

  • Rule Three and Alabama Football a little

    Feb 04 2019

    How is a budget like a college football game? Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Rule Two the In-Laws are Coming

    Jan 28 2019

    How is a budget like a visit from the in-laws? Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Rule One in an Afternoon.

    Jan 21 2019

    How is a budget like a clock? Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Priorities Priorities Priorities

    Jan 14 2019

    Jesse gets back to basic budgeting talk with a discussion on priorities.     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Ep 09 Debt Story: Meet Chelsea

    Jan 10 2019

    Chelsea and her husband had the wedding of their dreams in Hawaii ... then reality hit. They were $215,000 in debt! Find out how they teamed up to fix their finances.

  • Goals and a Single Piece of Paper

    Jan 07 2019

    Some advice on annual goals. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Ep 08 Debt Story: Meet Megan

    Jan 03 2019

    This is a story of $9 salads and a $12,000 C-Section—and it’s proof that you can fix five-figure debt by paying attention to the little things. It all adds up

  • Annual Goals Reviewed Daily

    Dec 31 2018

    A technique to get those resolutions and goals to stick. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Moving the Pine Needle

    Dec 24 2018

    Is there an opportunity this season for you to try something briefly unsustainable to reach a goal? Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Hassle and Bustle

    Dec 17 2018

    December is a very busy month. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Student Loan Syndrome: an Interview with Ryan Law

    Dec 10 2018

    Jesse interviews Dr. Ryan Law, professor of financial counseling at Utah Valley University. They discuss student loan debt.     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • No News is Good News For You

    Dec 03 2018

    Breaking news: take a news break. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • How to Time the Market

    Nov 26 2018

    Buy, buy, buy and find out why. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Thanksgiving 2018: Gratitude Combats Discontent

    Nov 19 2018

    Jesse encourages you to try a writing exercise this holiday.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Pay Yourself First

    Nov 12 2018

    Pay yourself first ... and forever Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Big Goals the End

    Nov 05 2018

    A simpler approach to big goals Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Why is Forecasting Bad

    Oct 29 2018

    The problem with forecasting money you don't have yet. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • The Subscription Scourge

    Oct 22 2018

    Subscriptions, subscriptions, subscriptions. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Tertiary Costs

    Oct 15 2018

    There can be more to a purchase than the price tag Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • The Heirloom Toaster Company

    Oct 08 2018

    What if you never had to buy another toaster again?   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • 344 - The DL on BIFL

    Oct 01 2018

    Buy it once, never replace it and why. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • 343 - A Manual Intervention

    Sep 24 2018

    It's time for a, "Manual Intervention."     Sign up for a free 34-day trial at www.youneedabudget.com

  • 342 - Motivation the Grind

    Sep 17 2018

    Sometimes the slog is real, the motivation is waning and you are grinding. What do you do in those situations to keep your head above water?

  • 341 - Broken Budgets

    Sep 10 2018

    Are credit cards a budget breaker?

  • 339 - API

    Sep 03 2018

    YNAB has a new API

  • 340 - FOMO

    Aug 27 2018

    Do you fear you've missed out on budgeting? Sign up for a free 34-day trial at www.youneedabudget.com

  • YNAB Interview with Mike Michalowicz

    Aug 21 2018

    Jesse talks with Mike Michalowicz, author of Clockwork: Design Your Business to Run Itself—a book about how to stop sacrificing family, friendships and freedom for the sake of your business. Available Today

  • 338 - Budgeting is Spending

    Aug 13 2018

    Budgeting is spending; nothing more, nothing less.   Sign up for a free 34-day trial at www.youneedabudget.com

  • 337 - Taking a Vacation from Budgeting

    Aug 06 2018

    How about a vacation from budgeting?   Sign up for a free 34-day trial at www.youneedabudget.com

  • Debt Stories: Taking A Break

    Aug 02 2018

    We're taking a break to produce season 2 of Debt Stories. In the meantime check in every Monday for the YNAB Podcast. You can also catch up on any episodes you may have missed and please share with a friend. Thank you. https://www.youneedabudget.com/debt-podcast/

  • 336 - Better Halves and Budgets

    Jul 30 2018

    It's ok if you and your partner don't think about money the same way   Sign up for a free 34-day trial at www.youneedabudget.com

  • Ep 07 Debt Story: Meet Jennifer

    Jul 26 2018

    She used to buy every gadget that crossed her path. Now, her cousin calls her “the Queen of Cheap.”—learn how Jennifer paid off all of her student loans and most of her credit card debt, and purchased her very first home in Chicago proper.   Find more information at http://ynab.com/debt-podcast

  • 335 - Money Stops, Obligations Keep Coming

    Jul 23 2018

    Obligations remain despite life-changing circumstances.

  • Ep 06 Debt Story: Meet Sydney

    Jul 19 2018

    This family of four lives in Downsville, Utah. When her husband lost his accounting job, they turned to the credit card. When they hit a $15,000 balance, she discovered YNAB ...   Find more information at http://ynab.com/debt-podcast

  • 334 - Parenting is Hard, Not Expensive

    Jul 16 2018

    Jesse expounds on his stance of not paying for his children's college education

  • Ep 05 Debt Story: Meet Brittany

    Jul 12 2018

    This family of four in Marietta, Georgia, had racked up $263,000 of debt—a number that used to keep Brittany awake at night (and that was before the job losses). Still, they made it work.   Find more information at http://ynab.com/debt-podcast

  • 332 - Antifragile Finances

    Jul 09 2018

    Some things get better when they experience shock

  • Ep 04 Debt Story: Meet Daniel

    Jul 05 2018

    He and his wife paid off $30,000 of debt in three years. It was all about choices—find out whether they picked air conditioning or Amazon Prime.   Find more information at http://ynab.com/debt-podcast

  • 333 - Lowering the Baseline

    Jul 02 2018

    Jesse discusses a conversation he has with a friend about whether or not they should pay off their house.

  • Ep 03 Debt Story: Meet Andy & Melissa

    Jun 28 2018

    He’s a pastor, and she’s a stay-at-home mom. With five kids and $30,000 in debt, stress levels were high. Find out how a spice jar solved their money problems.   Find more information at http://ynab.com/debt-podcast

  • 330 - Is Eating Out Eating Your Budget?

    Jun 25 2018

    Eating out can have a big impact on your budget. Are we spending too much on restaurants and takeout?

  • Ep 02 Debt Story: Meet Tom

    Jun 21 2018

    Find out how an IT business analyst from Kenton, Michigan, realized that it was cheaper to quit his job! Find more information at http://ynab.com/debt-podcast

  • 331 - Sacreligious Budgeting

    Jun 18 2018

    An unconventional experiment to deal with a clothing category

  • Ep 01 Debt Story: Meet Angela

    Jun 14 2018

    Angela’s family slowly sipped their way through to-go coffees until they’d reached a staggering $85,000 in debt. Just kidding, they bought a house and a pink Toyota, too. Find out how they paid it all off.

  • 329 - When the Emergency Fund's Gathering Dust, and Why

    Jun 11 2018

    The emergency fund that's gathering dust.

  • 328 - Why Only Budget What You Have?

    Jun 05 2018

    Why do we have people only budget what they have? Even in the surest of sure employment situations?

  • 327 - A Blind Trust

    May 28 2018

    A plea for blind trusts for the everyman.

  • 326 - Renting vs. Buying

    May 21 2018

    Everyone has a cabin. Shouldn't I? And other silly questions that are hard to answer.

  • 325 - Blind Obedience and All Its Benefits

    May 14 2018

    A mini-report one one of my New Year's resolutions, and what I've learned being blindly obedient.

  • 324 - Material Joy

    May 07 2018

    What's the purpose of that fridge? Knife? Car? Bike? Boat? House? A stroll and ramble through this question of joy and material things.

  • 323 - How to Retire and Move to the Woods Fulltime

    Apr 30 2018

    An interview with Ms. Frugalwoods. (I LOVED this book!)

  • 322 - Buyer's Remoreselessness

    Apr 23 2018

    Which items have you purchased that have created buyer's remorselessness.

  • 321 - Let It Go

    Apr 16 2018

    Sometimes you just have to let it go.

  • 320 - Where Has Zero Gone?

    Apr 09 2018

    Just don't walk past zero into debt. Get comfortable with zero.

  • 319 - YNAB / Intuit Acquisition

    Apr 01 2018

    The biggest news we've ever shared.

  • 318 - Ever the Optimizer

    Mar 26 2018

    Stop optimizing and be content with pace.

  • 317 - The Greatest Showman

    Mar 19 2018

    What you learn from the junior partner in "The Greatest Showman"

  • 316 - "The Mexican Fisherman"

    Mar 12 2018

    A little story about a man and his boat. And an investment banker.

  • 315 - Savings: Undetected.

    Mar 05 2018

    A little experiment to amass a lot of money.

  • 314 - What do you mean, means?

    Feb 26 2018

    How you define means makes all the difference.

  • 313 - Non-Negotiables

    Feb 19 2018

    The biggest non-negotiable expense ever. And you're probably ignoring it.

  • 312 - MASH

    Feb 12 2018

    Amazing what a little perspective shift gives you. Where do you get your perspective shifted?

  • 311 - All Mixed Up, Don't Know What to Do

    Feb 05 2018

    A call to get organized, simplify, and reduce the financial cruft in your life.

  • 310 - Pay Yourself First

    Jan 29 2018

    Inspired by my favorite personal finance book, "The Richest Man in Babylon"

  • 309 - You Have a Spending Problem

    Jan 22 2018

    That's right. If you're average (and you are), then you have a spending problem--not an income problem.

  • 308 - Taxes Tax Your Take Terribly

    Jan 15 2018

    This is a PSA to remind you that taxes are your life's single biggest expense.

  • 307 - "I Want A 100-Foot Boat"

    Jan 08 2018

    Maybe that "pipe dream" goal isn't so far off afterall.

  • 306 - My Favorite Time of Year

    Jan 01 2018

    My favorite time of year is January. New year, new you.

  • 305 - Merry Christmas, A Gift You Can Give Me :)

    Dec 25 2017

    Merry Christmas! That is all.

  • 304 - Going Back to Your Roots

    Dec 18 2017

    What are your roots, and how to strengthen them in times of stress

  • BONUS - A Conversation with Celia Benton

    Dec 13 2017

  • BONUS - A Conversation with Mitchel Burton

    Dec 12 2017

  • BONUS - A Conversation with Matthew Dricci

    Dec 11 2017

  • 303 - Holiday Limits

    Dec 11 2017

    Keeping the holidays merry--within limits.

  • BONUS - A Conversation with Jonathan Dale

    Dec 08 2017

    A Series of conversations with the real-life success stories featured in Jesse's new book, You Need A Budget—The Book, now available for pre-order!

  • BONUS - A Conversation with Holly MacKenzie

    Dec 07 2017

  • BONUS - A Conversation with Dan Kellermeyer

    Dec 06 2017

  • 302 - The Costs of "Settling In"

    Nov 27 2017

    Settle in fast, because it's expensive not to.

  • 301 - Black Friday Cometh

    Nov 20 2017

    Set Some Rules. Have Fun. (And take advantage of our Black Friday deal --this year only!)

  • 300 - Planned Spontaneity

    Nov 13 2017

    For the spontaneous people.

  • 299 - Experiences? Priceless.

    Nov 06 2017

    Experiences over material things. Coming at you from New York.

  • 298 - Loose Change, or Lose Change?

    Oct 30 2017

    At what point should you stop tracking cash?

  • 297 - Do I Still Need a Budget?

    Oct 23 2017

    Is there a point where you no longer really need a budget?

  • 296 - It's Beginning to Look a Lot Like Christmas

    Oct 16 2017

    It's beginning to look a lot like Christmas...does your budget look like it as well?

  • 295 - Lifestyle, Creep!

    Oct 09 2017

    Do you suffer from lifestyle creep? I do.

  • 294 - When's a Good Time to (re)Start Budgeting?

    Oct 02 2017

    When's a good time to start budgeting? Or start building any new habit?

  • 293 - Is there Good Debt?

    Sep 25 2017

    Is there such a good thing as good debt? Yes. Though it also can become bad if you aren't careful.

  • 292 - Saving Kids from College

    Sep 18 2017

    Maybe if we just didn't treat student loan as a viable option for paying for college...

  • 291 - Identity Theft Protection and You...?

    Sep 11 2017

    How to protect your identity without paying for an expensive monitoring service.

  • 290 - Millenial Money!!!!

    Sep 04 2017

    Millennial Money advice is the same as every generation's money advice.

  • 289 - Headed to New York

    Aug 28 2017

    I'm scared and excited to live in New York for a while.

  • 288 - Breaking Routine

    Aug 21 2017

    Routines were made to be broken.

  • 287 - Looking Ahead (Mobile!)

    Aug 14 2017

    Where I discuss our new mobile apps, and why.

  • 286 - Materiality

    Aug 07 2017

    Different partners may have different levels of budget materiality. What it is, and how to navigate it.

  • 285 - Clarity Break

    Jul 31 2017

    Everyone should be taking a clarity break.

  • 284 - Wired to Acquire

    Jul 24 2017

    We're programmed to amass, hoard, acquire. What do you do to combat that?

  • 283 - The Debt Consolidation Myth

    Jul 17 2017

    The launch of YNAB's new 80/20 guide, "The Debt Consolidation Myth"

  • 282 - Going Back to Granular

    Jul 10 2017

    Our epic failure to be less granular, and how I'm getting back to it with our own personal budget.

  • 281 - Left-Handed

    Jul 03 2017

    Sometimes starting something as a beginner again is just what you need for reinvigorating the budget.

  • 280 - Watering to Death

    Jun 26 2017

    Can too much of a good thing become a bad thing?

  • 279 - Watering the Sidewalk

    Jun 19 2017

    What are we doing when we water the sidewalk, but when we're really talking about budgeting?

  • 278 - Weeds

    Jun 12 2017

    What do weeds and budgeting have in common? Everything.

  • 277 - Cold Showers

    Jun 05 2017

    A discussion of the book "What Doesn't Kill Us" and why I'm now taking ice cold showers.

  • 276 - Retreat!

    May 29 2017

    Saving up so you can live it up.

  • 275 - Deep Work

    May 22 2017

    An Interview with an author of a book that changed my life and is required reading for the entire YNAB team. Every year.

  • 274 - Unearthed Priorities

    May 15 2017

    It turns out when you peel back the priorities onion, the core of it a lot of times is an experience, not an item.

  • 273 - No Online Purchases in 2017

    May 08 2017

    Julie set herself a goal for 2017.

  • 272 - Settling in With Stuff

    May 01 2017

    Is it possible to just settle in with your stuff and avoid some of the churn involved in repeat purchasing?

  • 271 - The Herloom Toaster

    Apr 24 2017

    All I wasn't is a toaster I can pass on to my children.

  • 270 - Ownership Overhead

    Apr 17 2017

    When you're buying something, you're also tacking a bunch of todos on to your list.

  • 269 - The Cost of Ownership

    Apr 10 2017

    When you're buying something, you're buying so much more.

  • 268 - 1-844-YNAB-ING

    Mar 27 2017

  • 267 - Your Debt Is Gonna Bury You

    Mar 20 2017

  • 266 - Target Trouble

    Mar 13 2017

  • 265 - Overspending

    Mar 06 2017

  • 264 - Just A Budget Meeting

    Feb 27 2017

  • 263 - Expenses Oh No

    Feb 20 2017

  • 262 - Budget More

    Feb 13 2017

  • 261 - Month One! In the Books!

    Feb 06 2017

  • 260 - Getting a Reluctiant Partner on Board

    Jan 30 2017

    In getting a reluctant partner on board with budgeting, you've got to play the long game.

  • 259 - Why Most People Quit Budgeting

    Jan 23 2017

    There's one reason why people quit budgeting (and most anything else).

  • 258 - How To Start Over

    Jan 16 2017

    With budgeting, the key might be to start over.

  • 257 - Resolutioin-Proofing Your Budget

    Jan 09 2017

  • 256 - Merry Christmas

    Dec 26 2016

    Merry Christmas! I hope it was financially boring, but in every other way an exciting, restful, introspective time.

  • 255 - Support Amids the Holiday Chaos

    Dec 19 2016

  • 254 - A Quick Look Back, and Talking About Going Forward

    Dec 12 2016

    A look back at 2016 (our craziest year ever). A look forward to 2017. At least the first quarter.

  • 253 - Budgeting is Boring. Let's All Just Admit That.

    Dec 05 2016

  • 252 - Growing Old Together with Your Crazy Money

    Nov 28 2016

    How the age of your money becomes even more important when your income has a wild side.

  • 251 - Rule Two With a Wild Income

    Nov 21 2016

    Rule Two times two (or three, or four) when it comes to a variable income.

  • 250 - Can I Afford It? Yes! Oh...Wait

    Nov 14 2016

    A question for the eternities: Can I afford this?

  • 249 - Budget Fails with Variable Income

    Nov 07 2016

    Why does variable income make budgeting so tough? Because we're budgeting wrong.

  • 248 - March to Your Own Drum

    Oct 31 2016

    It's your money (read: life), so march to your own drum.

  • 247 - When the Money Itself Becomes a Priority...Watch Out.

    Oct 25 2016

    If the balance in your account has morphed into its own priority, do a bit of a sanity check.

  • 246 - A Report on Reports

    Oct 17 2016

    A special podcast, because reports are here.

  • 245 - Budgets & Butlers

    Oct 10 2016

    Your budget is your deferential butler. Don't you agree, sir?

  • 244 - We're Doing Workshops Now

    Oct 03 2016

    We have workshops! You should give one a shot.

  • 243 - A 100% Remote Company. And You Can Too.

    Sep 26 2016

    How do you accomplish anything? Be thoughtful about what you want, and intentional about how to get it.

  • 242 - But It's MY Car

    Sep 19 2016

    My irrational reaction to not having my own car for 24 hours. What are yours?

  • 241 - Cash for the Next House

    Sep 12 2016

    Here's the #1 reason to pay cash for your next house.

  • 240 - What Learning YNAB Looks Like

    Sep 05 2016

    Stops, Starts, and Struggles. Be patient with yourself as you learn the YNAB Way.

  • 239 - Blank Slate

    Aug 29 2016

    Blank slating in life, and in budgeting, can be super insightful.

  • 238 - Outsourcing

    Aug 22 2016

    I've outsourced my fitness and nutrition. What about money?

  • 237 - Thinking Aloud About "To Be Budgeted"

    Aug 15 2016

    Making a number less confusing.

  • 236 - Working at YNAB

    Aug 08 2016

    An look inside the YNAB team.

  • 235 - The Simple Path to Wealth

    Aug 01 2016

    It really is a simple path. And J L Collins knows how to navigate it.

  • 234 - Deep Work for Dialed In Priorities

    Jul 25 2016

    Carve out time to do "Deep Work" so you can clearly understand your priorities.

  • 233 - One of the Richest Men in the World was a Bookkeeper

    Jul 18 2016

    One of the richest men in the history of the world was a bookkeeper. Mic drop.

  • 232 - Treat Yourself

    Jul 11 2016

  • 231 - When You're Paid Every Day

    Jul 04 2016

  • 230 - Budgeting with a Partner

    Jun 27 2016

    YNAB CCO, Todd Curtis, and I talk about couples and money, and why we recommend joining forces.

  • 229 - Simplify: Decision Fatigue

    Jun 20 2016

    YNAB CCO, Todd Curtis, and I discuss an argument for (and solid research backing) the idea of simplifying.

  • 228 - Think Long, Act Now: Focus & Start Now

    Jun 13 2016

    YNAB Chief Customer Officer, Todd Curtis, and I discuss focusing on long term goals by looking at the here and now.

  • 227 - A Report on Our "Cash is King" Budget

    Jun 06 2016

    A report on our "Cash is King" budget where I talk about the ups and downs experienced so far.

  • 226 - Cars and the Identities that Drive Them

    May 30 2016

    What kind of identity do you have wrapped up in your car? Just something to think about.

  • 225 - Moments that Force You to Question Your Priorities

    May 27 2016

    The budget should force a "revisiting" of priorities without necessarily having your hand forced externally.

  • 224 - Think Long, Act Now: Savings & Your Budget

    May 16 2016

    Why saving for its own sake can be dangerous.

  • 223 - Deal w/ your Debt: Be Strategic

    May 09 2016

    The end all be all strategy for paying down your debt.

  • 222 - Deal w/ your Debt: Changing Habits

    May 04 2016

    Steps to take before you take steps to pay down your debt.

  • 221 - Interview with Author of "Odds On" Matt Hall

    Apr 25 2016

    I talk with evidence-based investing advisor Matt Hall about, you guessed it, investing.

  • 220 - Retreat! Retreat!

    Apr 22 2016

    The ultimate experience as it relates to "Save up for it."

  • 219 - Is Cash King?

    Apr 11 2016

    What if I dramatically reduce our categories so we hit our goals, classify all online purchases as "online" and use cash for everything else?

  • 218 - Quarter In Review

    Apr 05 2016

    The New YNAB is three months old. How is it going? A bit behind the scenes.

  • 217 - How Will You Feel When...

    Mar 28 2016

    A question that goes a bit deeper than just giving every dollar a job.

  • 216 - The Opposite of Spoiled

    Mar 21 2016

    An interview with NYT bestselling author Ron Lieber about how to not raise spoiled kids...

  • 215 - Managing Money Less

    Mar 14 2016

    Is the ideal budget just four categories?

  • 214 - One Year Same As Cash

    Mar 07 2016

    Why do businesses always end up morphing into finance companies?

  • 213 - Interview with Adam Carroll, Student Loan Expert

    Feb 29 2016

    Where we talk about students and their debt, and "swipe technology."

  • 212 - Rule Four Reloaded

    Feb 22 2016

    Rule Four reloaded.

  • 211 - Rule Three Reloaded

    Feb 15 2016

    Rule Three reloaded.

  • 210 - Rule Two Reloaded

    Feb 08 2016

    Rule Two reloaded.

  • 209 - Rule One Reloaded

    Feb 01 2016

    Rule One reloaded.

  • 208 - MVP

    Jan 25 2016

    The "minimum viable product" strategy as it relates to software.

  • 207 - Goals, Goals, Goals

    Jan 18 2016

    There's a new feature in our latest version of the YNAB software, and we think you'll love it!

  • 206 - January vs December

    Jan 11 2016

    Christmas bills got you down? Make next Christmas better!

  • 205 - I Changed My Mind

    Jan 04 2016

    Sometimes, things just have to change.

  • 204 - My New Baby

    Dec 28 2015

    An exciting announcement from Jesse Mecham!

  • 203 - Twas the Night Before Christmas

    Dec 21 2015

    A new take on a classic Christmas story.

  • 202 - Delayed Gratification

    Dec 18 2015

    Don't worry. You've been saving up for this!

  • 201 - A Container for Your Money

    Dec 07 2015

    YNABer Question: How do I switch banks with YNAB?

  • 200 - Perfect for Procrastinators

    Nov 30 2015

    Hey Procrastinators, I have the perfect system for you.

  • 199 - You Don't Have to be Frugal

    Nov 23 2015

    Frugality. Consumption.

  • 198 - A Budget Bucket List

    Nov 16 2015

    Have a budget bucket list.

  • 197 - What's the Difference Between YNAB and Mint?

    Nov 09 2015

    Mint: Post-Mortem. YNAB: Minority Report

  • 196 - Save Something

    Nov 02 2015

    Save something, try just a dollar or two...

  • 195 - The Four Disciplines of Execution

    Oct 26 2015

  • 194 - Question Everything

    Oct 19 2015

    It's healthy and interesting to question all of your finances at least once a year. Here's why.

  • 193 - Lump Sums (Like a Student Loan)

    Oct 12 2015

    That student loan disbursement came in? You're not rich. You're broke.

  • 192 - To Automate or Not To Automate, That is the (Lame) Question

    Oct 05 2015

    It's not about automating or not, it's about eliminating tedium, and increasing awareness.

  • 191 - What If You Didn't Have Reports?

    Sep 28 2015

    If you could only have one report, what would it be?

  • 190 - The Value of a Fresh Start

    Sep 21 2015

    Every once in a while, the budget needs good shave. A fresh start, if you will.

  • 189 - Map Your Progress

    Sep 14 2015

    An Interview with Amy Jones, creator of the awesome Map Your Progress.

  • 188 - College Is In Session!

    Sep 07 2015

  • 187 - Changing Seasons, Changing Priorities

    Aug 31 2015

  • 186 - Mechams Unplugged

    Aug 24 2015

    Where Julie and I broadcast our budget meeting (unedited) to the world. Take from it what you can, if anything.

  • 185 - Saving Without a Purpose Isn't Saving At All

    Aug 17 2015

    Why saving without a purpose isn't really saving at all. You know you've done this.

  • 184 - Pay Off Debt or Save First?

    Aug 10 2015

    Should you go crazy with your debt? Save some money? Both?

  • 183 - Bills Are Paid...Now What?

    Aug 03 2015

    What should be the order of prioritization once the necessities are taken care of?

  • 182 - Dealing with Your Financial Scar Tissue

    Jul 27 2015

    The past is in the past, but it still affects the future. Dealing with financial scar tissue.

  • 181 - Meet Carrie, A Brand New YNAB User

    Jul 20 2015

  • 180 - Why I'm on the Fence About Paying for College

    Jul 13 2015

  • 179 - Decision Fatigue

    Jul 06 2015

    The budget lets you let go of so much cognitive overhead. Free yourself from decision fatigue.

  • 178 - The Bucket List

    Jun 29 2015

  • 177 - Guilt-free spending

    Jun 22 2015

    The point of having money is to spend it. Also, an attorney joke that takes most of the time.

  • 176 - Is that Budget Half Empty, or Half Full?

    Jun 15 2015

  • 175 - The Dashmat Principle

    Jun 08 2015

    High-ticket items deaden your sensitivity to spending amounts you would otherwise weigh carefully. Proceed with caution!

  • 174 - Learn From Data, Don't Live For It

    Jun 01 2015

  • 173 - Pick a Card, Just One Card

    May 25 2015

    Unless your hobby is credit card shenanigans, pick just one (maybe two) credit cards and call it good.

  • 172 - Put Your Bills On Auto-Pilot

    May 18 2015

  • 171 - Close An Account, Then Another

    May 11 2015

    Question your financial scar tissue. Are all of those accounts still (really) necessary?

  • 170 - Simplicity Matters

    May 04 2015

    We want active engagement. Simplicity promotes that, which is why we like it.

  • 169 - Pruning

    Apr 27 2015

    When it comes to lasting, positive financial change, don't do what I did.

  • 168 - Quarterly Checkup

    Apr 20 2015

    It's that time of year for you to do a quick pause and evaluation. It'll do you good.

  • 167 - The Gift of Tax Season

    Apr 13 2015

    Windfall schmindfall. Just fall back on Rule One.

  • Special 03: Interview with Carl Richards - Self-Awareness

    Apr 07 2015

    How much should you save? And would it be possible to not beat yourself up so much?

  • 166 - Punching With the Rolls

    Apr 06 2015

    When budgeting with a partner... Rule 3 can be tricky. How do you deal with overspending together?

  • Special 02: Interview with Carl Richards - Goals & Guessing

    Mar 31 2015

    How do you view financial goals? What if you saw them more as guesses?

  • 165 - Who's on First?

    Mar 30 2015

    When budgeting with a partner... establish a workflow, ownership, simplification, etc.

  • Special 01: Interview with Carl Richards - Why?

    Mar 24 2015

    It's a therapy session folks! Gettingn down to the WHY behind money will bring you absolute clarity. It's Rule One.

  • 164 - There's No Party Like a Budgeting Party

    Mar 23 2015

    When budgeting with a partner... have a regular budgeting meeting. Make it fun. 

  • 163 - You Need Your Space

    Mar 16 2015

    When budgeting with a partner.... have some individual space. You need some fun money. 

  • 162 - Make It Joint

    Mar 09 2015

    When budgeting with a partner... keep it simple. You merged your lives—merge your finances.

  • 161 - Lay it All on the Table

    Mar 02 2015

    When budgeting with a partner.... be clear about what you bring to the table. All of it. Debts, habits, passions, etc. 

  • 160 - This One's for the Lovers

    Feb 23 2015

  • 159 - Your Money or Your Life

    Feb 16 2015

    A shoutout to a classic that everybody should read.

  • 158 - YNAB's 10 Year Anniversary

    Feb 09 2015

    A look back, with an anniversary four months late.

  • 157 - When You're Spending More than You Bring In

    Feb 02 2015

    Then budgeting is even more important.

  • 156 - Happy Holidays

    Jan 26 2015

    The 2015 holiday season is now upon us.

  • 155 - Creating a Gasoline Hedge

    Jan 19 2015

    Don't fritter away the temporary savings of low gas prices!

  • 154 - The Reset

    Jan 13 2015

    The new year is a great time to hit that Reset Button. One category at a time.

  • 153 - It's All Rule One

    Jan 05 2015

    "They're digging in the wrong place."

  • 152 - PACE's Place

    Dec 29 2014

    A lesson on focus.

  • 151 - Retirement is Rule Two

    Dec 22 2014

    The biggest rainy day you have is when you retire. Old-timer. ;)

  • 150 - Finding the Best Personal Finance Software

    Dec 15 2014

    There are Four Rules to YNAB's Method, but One Rule to rule them all.

  • 149 - Android App Overhaul

    Dec 08 2014

    The Android app looks great! It's available by the end of the day today for a free update.

  • 148 - Peeling Away the Emergency Onion

    Dec 01 2014

    The longer you use YNAB and follow the method, the fewer emergencies you have.

  • 147 - Buying in to Tesla

    Nov 24 2014

  • 146 - Dealing With Downs

    Nov 17 2014

    Keeping your head up, when progress seems to be more backward than forward.

  • 145 - Money is...

    Nov 10 2014

    Viewing money for what it represents seems to lend itself to a pretty healthy outlook on life.

  • 144 - PACE a New Book

    Nov 03 2014

  • 143 - Content in the Moment

    Oct 27 2014

    Facing the right direction brings peace. With pace playing second fiddle.

  • 142 - Frugality is Boring

    Oct 20 2014

    Frugality, for its own sake, is really, really boring.

  • 141 - Living Within Your Means, Means Opportunity.

    Oct 13 2014

    Living within your means frees up cash for saving or getting out of debt, but it is so much more than just that.

  • 140 - Sometimes the Key is to Make More Money

    Oct 07 2014

    Sometimes you've cut all you can cut, and it's time to increase the size of your shovel.

  • 139 - Simplicity. An Interview with Dave, a YNAB Team Member

    Sep 29 2014

    You have permission to keep it simple. Challenging assumptions.

  • 138 - Scarcity, and Why I Love It

    Sep 22 2014

    The one thing we don't talk about regarding debt, is that it kills scarcity. Scarcity helps you.

  • 137 - Good Debt, Bad Debt

    Sep 16 2014

    After a little YNABer feedback, I've decided to revise and extend my remarks on debt…focusing on good debt versus bad debt.

  • 136 - Your One Priority

    Sep 08 2014

    We talk a lot about priorities. here's my view on getting out of debt, as your single priority.

  • 135 - Who's the Crazy Extreme One?

    Sep 01 2014

    It's that age-old habit of humanity where we judge others quickly, but rarely examine our own insane behaviors.

  • 134 - YNAB for iPad is here

    Aug 25 2014

    YNAB for iPad is here. It's great. It's free.

  • 133 - Stop

    Aug 18 2014

    If something is really complicating YNAB for you, maybe stop doing that thing?

  • 132 - Kaizen

    Aug 11 2014

    Look to optimize, and simplify.

  • 131 - My Semi-Annual Review

    Aug 04 2014

    A promise to Julie, and some advice for business owners (and everyone).

  • 130 - Make a Fresh Start

    Jul 28 2014

    There's no shame in it. If you've quit YNAB, get started again. We've made the restart easy.

  • 129 - Kids & Money

    Jul 21 2014

    I may be pulling YNAB out of the equation for our kids and their money.

  • 128 - Blackberries in August

    Jul 14 2014

    A financial lesson learned in the Arizona summer heat, while picking blackberries for my dad, when I was ten.

  • 127 - Clarity, Scarcity & Forecasting

    Jul 07 2014

    A few thoughts on forecasting, scarcity, and clarity.

  • 126 - Emergency Mode

    Jul 01 2014

     When you're in emergency mode, suddenly every purchase is justifiable. How do you avoid this flawed thinking?

  • 125 - Tracking Time

    Jun 23 2014

    I want to make some changes to how I spend my time. You can guess where this is going.

  • 124 - PACE

    Jun 17 2014

    Announcing a new "division" of YNAB, designed specifically for small business owners.

  • 123 - Track What You Want to Change

    Jun 09 2014

    The title says it all. If you don't want to change it, maybe you don't need to track it.

  • 122 - Consumption vs. Creation

    Jun 02 2014

    Create more than you consume, and develop a bias toward action.

  • 121 - Chasing Credit Card Points

    May 26 2014

    Beware the tendency to not scrutinize your credit card point purchases.

  • 120 - Getting Things Done

    May 19 2014

    Totally off-topic, but maybe till'll resonate with you. How I manage my To Dos.

  • 119 - Well, Now What Do I Do?

    May 12 2014

    When something financially unexpected happens, we all ask ourselves this same question. It's often seen as a negative, but let's turn that on its head.

  • 118 - Disneyland and Assumptions

    May 06 2014

    We spent a week at Disneyland, and I learned a few things about questioning our assumptions.

  • 117 - How I Use Notes

    Apr 28 2014

    YNAB's Notes feature is as flexible as your imagination. Let it run wild!

  • 116 - Asserting Your Authority

    Apr 21 2014

    Perhaps generosity benefits the giver in ways not previously considered.

  • 115 - Changing Your Status Quo with Extreme Behavior

    Apr 07 2014

      How to you change the status quo? Adopt an extreme behavior for a while, and let it teach you (in surprising ways) some new money lessons.

  • 114 - Budget Category Overzealousness

    Mar 31 2014

      Sometimes in your excitement to start budgeting, you take the whole "categorization" thing a bit too far. No?

  • 113 - The Binge Before the Crackdown

    Mar 24 2014

    Are you guilty of binging before you crack down? With dieting or budgeting, it's just not healthy

  • 112 - The Cost of a Fat Checking Account

    Mar 17 2014

    We discuss the opportunity cost of having a fat checking account because you're following the YNAB Way.

  • 111 - Together or Separate?

    Mar 10 2014

    If you're running a business with YNAB, should you have it as a separate budget, or part of the same file?

  • 110 - One Hundredth of a Second

    Feb 24 2014

    Luckily, budgeting has nothing to do with the olympics. Take another run as often as you want.

  • 109 - Piano Practice, and Budgeting

    Feb 17 2014

    The key, is to break it down.

  • 108 - The Intangibles of Budgeting? Priceless

    Feb 10 2014

    YNAB has a great dollar-for-dollar value proposition, but the intangibles of budgeting are even better.

  • 107 - Winning Financially is Simple

    Feb 03 2014

    Winning financially is simple. You just need a pen, a paper, and a plan.

  • 106 - Saving for Its Own Sake

    Jan 13 2014

    I think I save for its own sake, assuming there's something inherently good about saving "more," regardless of the fact that more remains undefined. Maybe I should relax.

  • 105 - The Year of the Status Quo

    Dec 30 2013

    YNAB had a banner year (thank you for telling your friends and family!). 2014 shall be the year of the status quo.

  • 104 - Have Yourself a Merry Little Christmas

    Dec 23 2013

    Since Julie took over the budget, things are green. Christmas is no different. We've been saving all year for it. It's exactly how you too, can have yourself a merry little Christmas.

  • 103 - Timing Expenses to Save a Grand (or so) on Taxes

    Dec 16 2013

    This "loophole" isn't a loophole at all. It's actually a plain Jane tax planning strategy that can be employed by almost anyone, with even the most boring of tax returns. You can contact Casey directly at casey@wealthguardadvisors.com.

  • 102 - When Your Tax Rate is 2000% (Not a Typo)

    Dec 09 2013

    I've brought back my tax adviser, Casey Murdock, for another podcast. He should be your adviser too. We discuss the fringe world of tax credit and deduction phaseouts. You can contact Casey directly at casey@wealthguardadvisors.com.

  • 101 - When You Finance Anything, You Finance Everything

    Dec 02 2013

    Inspired by Mark's blog post over on the blog, we discuss the very true (albeit depressing) principle that once you finance something, everything else you purchase is also "financed."

  • 100 - A Look Back (and Forward) at YNAB

    Nov 25 2013

    I reminisce, and then look forward.

  • 099 - Real Estate Investing with YNAB

    Nov 18 2013

    A discussion on how I use YNAB to manage our real estate investing.

  • 098 - An Update on Julie Owning the Budget

    Nov 11 2013

    This is awesome. Having Julie "own" the budget has been just short of revolutionary.

  • 097 - The Most Radical Shift in Money Management to Ever Take Place in Our Household.

    Oct 14 2013

    I've handed the Budgetingi Reins over to my wife, Julie. She'll do a better job, and our relationship will be even better for it. Here what lead up to this, and why it's going to be awesome.

  • 096 - Mr Money Mustache's View on Retiring FAR Earlier Than the Norm (Take Two).mp3

    Oct 07 2013

    An interview with  my favorite personal finance blogger, Mr. Money Mustache.  He retired at 30 years old, and he and his wife and son live a luxurious life on just under $30,000 per year.  THIS IS THE MOST IMPORTANT PODCAST YOU WILL LISTEN TO THIS YEAR. :)

  • 095 - Soldier of Finance

    Sep 27 2013

    An interview with Jeff Rose, CFP and author of Soldier of Finance. You can snag a chance for a free copy by going to http://goodfinancialcents.com/ynabbook

  • 094 - Cellphone, Unshackled.

    Sep 24 2013

    My thoughts on cellphones, not just smartphones, and how we're being sold a bill of goods that's costing us money, and decreasing quality of life. And yes, I'm going for "dramatic" here.

  • 093 - Financial Priorities

    Aug 19 2013

    Mark's blog post from a while back spurred this commentary.  My thoughts on financial priorities regarding the big picture, longer-term stuff.

  • 092 - Just Show Up

    Aug 12 2013

    With your budget, especially for those just starting, just show up. Keep it simple, do what you're told, and…just show up.

  • 091 - Creation vs. Consumption

    Aug 05 2013

    Sometimes creation trumps consumption purely for its own sake; where you're satisfied on a personal level, even though the math doesn't work.

  • 090 - Boosting Income by Thinking Small

    Aug 02 2013

    Sometimes the best way to start thinking about making extra income is to think small.  Really small.  Don't let visions of grandeur slow you down.

  • 089 - Wildly Fluctuating Income

    Jul 15 2013

    There are a few ways to apply Rule Two (Save for a Rainy Day) to your wildly fluctuating income situation. This also applies if you happen to receive windfalls, but are otherwise on a fairly steady income.

  • 088 - Perfect is the Enemy of Good

    Jul 08 2013

    Your budget will never be perfect, because you're dealing with imperfect variables (people, external events, and bad data).

  • 087 - A Tactic for the Reluctant Spouse

    Jul 01 2013

    The key is to give them a taste of how good it feels to save up and pay for something. Positive, achievable, and life-changing.

  • 086 - It's Beginning to Look Halfway Like Christmas

    Jun 24 2013

    (Holiday spending target - current category balance) / six months remaining = your monthly contributions for the rest of 2013.

  • 085 - YNAB for the Freelancer

    Jun 18 2013

    There are three secrets to budgeting successfully on even the wildest of variable incomes.  Here they are.

  • 084 - Budgeting Late in the Month

    Jun 11 2013

    If you just decide things are great, maybe a monthly budget is a bit too frequent…how long would you last before the lack of frequency/familiarity left you sinking back into your old ways?

  • 083 - Control

    May 20 2013

    YNAB's (very successful) headline on the homepage sends the message of "control," but most people say they don't like budgets because they feel controlled.  Which is it?

  • 082 - The Age of Money

    May 13 2013

    How old is the last dollar you spent?

  • 081 - Handling Accounts Receivable in YNAB

    May 06 2013

    This is a quick riff on how you could (quite easily) handle accounts receivable in YNAB.

  • 080 - The Idea of Retirement is Really Starting to Bug Me.

    Apr 29 2013

    This should probably just be a replay of my interview with Leo from ZenHabits.net.  The key to money (and probably everything else in life) is to be happy in the moment.

  • 079 - Patience.

    Apr 23 2013

    The pathway to wealth is paved with patience.

  • 078 - The Black Box of Spending

    Apr 15 2013

    Your "Miscellaneous" category is a black box of spending. Is that spending a reflection of your values? Or are you being lazy? And should you care anyway? We discuss :)

  • 077 - Why Roths are Better than Regular IRAs

    Apr 08 2013

    This is the end of that debate.

  • 076 - Taxes and Timing

    Apr 01 2013

    Having the choice to create a taxable event (or avoid one) is extremely powerful when it comes to minimizing your life's single biggest expense.

  • 075- How I Tripled My Money in the Stock Market

    Mar 25 2013

    It involved a company that made karaoke machines. I got lucky.

  • 074 - Your Kids Need a Budget

    Mar 18 2013

    I take a few minutes to explain how we use YNAB with the kids.  We have five kids, so there's proof that it scales.

  • 073 - Your Life on a Treadmill

    Mar 11 2013

    Anyone can keep pace when the treadmill is level, you're not carrying any extra weight, and the speed is slow. But what happens when Big Events change that? What drove you to the point where you thought, "We need a budget!?"

  • 072 - Sowing Seeds of Money Happiness

    Mar 04 2013

    What causes discontent with money? What influences how you spend your money, what you value, and whether you're truly happy?

  • 071 - The Key to Reinventing Yourself (Bit by Bit)

    Feb 25 2013

    I interview my favorite Behavior Designer of all time, BJ Fogg of the Standford Persuasive Technology Lab.  BJ and I discuss key principles for creating lasting, positive behavior change in your life.  You'll love this.

  • 070 - I'm Saving This Money. (For What?!)

    Feb 18 2013

    Savings without purpose is savings frittered away. Make sure you're saving with purpose!

  • 069 - Managing Your Life's Single Biggest Expense

    Feb 11 2013

    An interview with my tax advisor, and the author of Tax Insight, Casey Murdock. He's a tax genius, and he saved me 20k in taxes a few years ago. Case closed!

  • 068 - Budgets are Sexy. An Interview with J. Money.

    Feb 04 2013

    I get to interview a fellow man-cave enthusiast and personal finance blogger who writes one of my favorite money blogs: BudgetsAreSexy.com. Of course I'd like it.

  • 067 - Spending Tens of Thousands of Dollars is So Easy

    Jan 28 2013

    More about our car purchase from December. Now that the dust has settled, here's what's really freaking me out.

  • 066 - Big Goals, and Nothing Else Matters

    Jan 21 2013

    If you're getting the big goals taken care of, nothing else really matters.

  • 065 - "YNAB Works" is Here!

    Jan 14 2013

    I'm pleased to announce the launch of "YNAB Works!" A Home Study Guide+DVD Video package for schools, clients, kids of awesome parents, employees…basically anyone you care about :)

  • 064 - My Financial Life

    Jan 07 2013

    Instead of takling about how we budget, which is just how I teach, and nothing special. I wanted to discuss everything else financial, how and why I do the things I do, and let you then draw your own conclusion. I'm no expert on this, butit may give you some ideas.

  • 063 - The Farmhand Who Slept Through Anything

    Dec 31 2012

    Are you finances managed with the future in mind? Where YOU could sleep through anything?

  • 062 - Bought a Car, Broke Both My Rules

    Dec 24 2012

    I have two rules when it comes to buying a car. Don't buy new, and don't finance it.  Broke both of those.

  • 061 - Friction.

    Dec 17 2012

    When you're in a job you don't like, there's friction, because you're not spending your time doing something you love. When your money's misbehaving, there's friction. Because your money isn't doing things you love.

  • 060 - No More Harvard Debt! How One Guy Paid of $90k of Debt in Seven Months

    Dec 10 2012

    My interview with Joe Mihalic, who paid off $90,000 of debt in 7 months, because he got intense, got focused, and made it happen. You can catch Joe's book on Amazon (for $2.99) called Destroy Student Debt - a Combat Guide to Freedom. 

  • 059 - What Will Your Holidays Look Like in 2013?

    Dec 04 2012

    What will your holiday season look like 13 months from now? And why am I making you think about it?!

  • 058 - I can list all the clothes I own. You?

    Nov 26 2012

    I'm throwing down here. Not really. Did a major, MAJOR closet cleaning, and it feels GREAT!

  • 057 - When Debt is an Addiction.

    Nov 19 2012

    In this interview, I speak with Linda I (psuedonym), a Debtor's Anonymous participant. The program deserves a serious look if you, or someone you know, has a serious debt addiction.

  • 056 - How to Protect Yourself From Identity Theft (in a few minutes)

    Nov 12 2012

    It turns out that protecting yourself from Identity Theft doesn't mean you have to give up Facebook (whew), or stop shopping online (whew, love me some Amazon Prime). I interview Robert Siciliano, an ID Theft Expert, and he basically put me at ease on the whole situation.

  • 055 - You're an Air Traffic Controller

    Nov 05 2012

    My little brother got his wings from the Air Force this weekend, and on the tour, I got to see an air traffic control room. Guess what it reminded me of?

  • 054 - Your Car is a Wealth Sucking Parasite.

    Oct 29 2012

    If you're like most (and you probably are), you're driving too much car. Consider how it just might be keeping you from the financial goals you REALLY care about.

  • 053 - A Behind the Scenes Look at How YNAB Started, and Where We're Headed

    Oct 22 2012

    This is epicly long. My first goal with YNAB was to make our $350 rent. And now in 2011 we were Utah's 9th fastest growing company. Who…woulda…thought.

  • 052 - An Interview with Jon Stein of Betterment--You CAN Invest!

    Oct 15 2012

    I love what Jon Stein's doing over at Betterment. If you're afraid of investing, you should listen to this. If you want to be lazy about your investing, you should listen to this.

  • 051 - Quality, and the Law of the Harvest

    Oct 08 2012

    If I ever start another company, it will be to make a toaster so well-built, you'll pass it on to your grandkids. Has the "cheaper is better" skewed our instincts that used to follow the law of the harvest?

  • 050 - A Startling Statistic Strikes Fear in My Heart. You?

    Oct 01 2012

    What's your retirement savings rate? Have you started saving for retirement? What aspects of your retirement nest egg are actually in your control?

  • 049 - The New Retirement. An Interview with Todd Tressider of FinancialMentor.com

    Sep 24 2012

    Todd was a panelist at FinCon12, where the topic was the new retirement. I was impressed by Todd's analytical approach, and approachableness (is that a word?) on the topic. He also managed to find financial freedom by age 35. And by "find", I mean work his tail off to get there.

  • 048 - Achieving Money Zen. An Interview with Leo Babauta of ZenHabits.net

    Sep 17 2012

    I LOVED doing this interview! Leo really helped me think through priorities, gaining clarity, and determining what matters. I'm more zen-like because of it :)

  • 047 - How Much Money Does it Take to Be Happy?

    Sep 10 2012

    The study says $70,000 and it's gotten me thinking about downsizing. Not the house really, just in general. Though nothing's off the chopping block just yet.

  • 46 - You're Never Really Saving Money...

    Sep 03 2012

    You're not really saving money. You're simply acknowledging future expenses.

  • 045 - Get Organized with Jill Pollack!

    Aug 27 2012

    I interivew Jill Pollack, an organization expert, and host of "Consumed", a one-hour de-cluttering/life-changing TV show for HGTV Canada. She shares some great tips on finding some breathing room with your stuff!

  • 044 - Taking Care of Your Family, No Matter What

    Aug 22 2012

    As part of the #LifeAware Life Insurance Movement, I bring on special guest, Jeff Rose, Cerftified Financial Planner, founder of Alliance Wealth Management, and blogger at GoodFinancialCents.com.

  • 043 - Why Aren't You Getting Ahead?

    Aug 20 2012

    You may make "good money", but you don't feel like you're getting ahead. You just don't think you're gaining any traction. You may not have a good grasp on your True Expenses.

  • 042 - Interview with Dan Miller on Careers, Goals & Passion

    Aug 13 2012

    I set out to have Dan talk about pursuing your passion, and it ended up turning a bit into my own personal coaching session! Dan Miller is a best-selling author, speaker, and career coach. We discuss careers, goals, passions, and more.

  • 041 - Credit Card Pros and Cons

    Aug 06 2012

    If you carry a credit card balance from month to month, your credit cards should be destroyed. If you're operating by YNAB's 4 Rules, Credit Cards offer some advantages.

  • 040 - Success Story: Motivational Speaker Gets Motivated by YNAB

    Jul 30 2012

    I interview Joe, a motivational speaker that was motivated to change his finances for the better. He's also started using YNAB in a very unique way -- and it has nothing to do with money!

  • 039 - When a Spouse isn't On Board

    Jul 23 2012

    I'm no marriage counselor, but I do sell for a living, and I think you have to sell your Spouse on budgeting.

  • 038 - The Most Important Number in Retirement

    Jul 16 2012

    There's always lots of talk about your "nest egg" in retirement…and lots of sexy-sounding words when it comes to investing (ETF! Diversification!) but the most important number is the one that's never talked about.

  • 037 - What IS YNAB Anyway?

    Jul 02 2012

    In the wake of an eventful, learning-filled, stressful launch of YNAB 4…what IS YNAB?

  • 036 - YNAB 4 is Here. But it's Not Why YNAB Works

    Jun 25 2012

    New software is great (and YNAB 4 really is great), but the software isn't the reason YNAB works.

  • 035 - Unexpected Slowdowns & Water Shortages

    Jun 18 2012

    I returned from a 50-mile backpacking trip in a fairly remote area of Utah. Of course every single thing I experienced can be tied back to budgeting. Because budgeting is awesome.

  • 034 - Success Story: Debt Free and Loving It

    Jun 11 2012

    Bill has been using YNAB for three years, along with Dave Ramsey's Total Money Makeover method. They're debt free, and are working to pay down their mortgage as fast as possible.

  • 033 - A Week in the Wilderness

    Jun 04 2012

    Prepping for a 50-mile hike is a lot like the monthly budget meeting. This topic is oozing metaphors.

  • 032 - How I Paid Off My Mortgage Before I Turned 30

    May 28 2012

    Kind of hesitant to share this, because up until now I haven't made it public. But what the heck. The key for me paying my home off before I turned 30 was incessant focus, and long hair.

  • 031 - Success Story: Where There's a Will...

    May 21 2012

    Will has been using YNAB for about five months and, since he only had nice things to say about it, I thought he made a great success story ;)

  • 030 - Trends in Finance (Look Out!)

    May 14 2012

    More things change, the more they stay the same. Banks want you to borrow money--badly. And there are some interesting developments in the Personal Finance Management (PFM) space to help you do just that. Here's a heads up.

  • 029 - So..Should You Start Over?

    May 07 2012

    What's the harm in starting over? What are some good reasons to hit the 'reset' button, and when should you keep on truckin'?

  • 028 - Are You a Budget Failure?

    Apr 30 2012

    What does it mean to fail at budgeting? It, frankly, doesn't mean much of anything.

  • 027 - What Does the Ideal Budget Look Like?

    Apr 23 2012

    A rambling discussion of accounts, categories, cash, and just trying to do everything you can to simplify your budget process, while still deriving all of the benefit it provides.

  • 026 - Backpacking and Rationing

    Apr 16 2012

    When backpacking, you don't eat all of your food the first day. When you receive a paycheck, you don't spend all of your money the first day either. Also, handling a wildly variable income.

  • 025 - Success Story - Bible Study Group

    Apr 09 2012

    This church out of Idaho has been using YNAB as part of their bible study groups -- for SIX YEARS. I have a long conversation with them about how it's helped them, what they'd like to see improved, and tacos.

  • 024 - The Disaster Effect

    Apr 02 2012

    When it rains, it pours, right? Sometimes that's our own doing (and demise). Financially speaking, of course.

  • 023 - Reality and Unleashing Your Will

    Mar 26 2012

    If you're not operating in reality, you don't know what you want. If you don't knowo what you want, you won't get it.

  • 022 - YNAB for Your Business?

    Mar 19 2012

    Can YNAB serve your business just as well? Well, YNAB's serving YNAB well.

  • 021 - Your Budget Boiling Point

    Mar 12 2012

    Your budget has a boiling point. Dial it back a few notches so you can stick to your budget for the long haul.

  • 020 - Success Story- Musicians Rock with YNAB

    Mar 05 2012

    I talk with Mason (who created our podcast bump music)  about how his finances are now rockin' with YNAB.

  • 019 - Halftime Adjustments

    Feb 27 2012

    Five minutes trying to convince you that adjusting your budget is not only correct, it's a best practice.

  • 018 - Too Poor To Budget

    Feb 20 2012

    Are you too poor to budget? Absolutely not!

  • 017 - The Debt Snowflake

    Feb 13 2012

    The debt snowball is tried and true, but what's the debt snowflake? It's more effective than it sounds :)

  • 016 - The Double-Edged Sword of Automation

    Feb 06 2012

    Automation is a two-edged sword. Used wisely, it will revolutionize your finances. Used poorly, it will do nothing for you (it may even hurt you, in a financial way).

  • 015 - Ignoring Life's Biggest Expense is Folly

    Jan 30 2012

    Taxes are your life's single biggest expense. Cozy up with the tax code and minimize as if your financial life depended on it!

  • 014 - Success Story: From Doing Fine to Awesome

    Jan 23 2012

    A YNAB success story interview with Brian from Portland. We wax philosophical about present you, and future you (Rules One & Two), and Brian talks about his transition from Quicken.

  • 013 - An Interview with Baker from ManVsDebt.com

    Jan 16 2012

    Baker and his wife had an epiphany the night their daughter was born. With the answer to one simple question, they found freedom. This will get you thinking!

  • 012 - An Interview with Carl Richards, Author of "The Behavior Gap"

    Jan 09 2012

    "Simple ways to stop doing dumb things with money" is the tagline of Carl's book, "The Behavior Gap".  Stop doing dumb things when it comes to investing? I'll take one of those please!

  • 011 - A New Year's Crash Course

    Jan 02 2012

    Erin Lowell, YNAB's head of Education, jumps onto the program to introduce our new New Year's Crash Course. One more way to help you get this money thing done RIGHT.

  • 010 - YNAB Gets a New Site Design!

    Dec 26 2011

    I discuss some of the whys behind our 12/2011 site redesign.

  • 009 - Success Story: a Quicken Junkie Convert!

    Dec 19 2011

    I interview Sheridan from Orange County, California.  She's now been using YNAB for 2.5 years, and won't be going back to Quicken any time soon!

  • 008 - 3 Tiny Habits, Big Takeaways

    Dec 12 2011

    I relate my experience with BJ Fogg's 3 Tiny Habits program, and how that ties in so beautifully to budgeting--specifically staying on top of recording your transactions.

  • 007 - Christmas, Weak Reports, the Best Report of All

    Dec 05 2011

    A few words on Christmas, why January's so important to your Christmas spending, and weak reports. Also, a hat tip to the best report of all.

  • 006 - The Budget and Slow Suffocation

    Nov 28 2011

    One of the more embarrassing moments of my teenage years taught me a great lesson about budgeting, breathing, and the crushing effects of five pounds.

  • 005 - Success Story: a Cut in Salary, and Freelancing

    Nov 21 2011

    An interview with Brian from Massachusetts, a freelance video editor, that now feels content--even with a large drop in income.

  • Episode 004 - Lavish Spending (on Purpose)

    Nov 14 2011

    Lavish spending. Your budgeting indulgence. No judgement here, as long as it's purposeful and done with total awareness.

  • Episode 003 - The Power of Rule Two (Plus Rule One)

    Nov 07 2011

    The basics of Rule Two (Save for a Rainy Day), and then how you combine Rules One and Two to begin making VERY good financial decisions. This episode will answer the question you may have asked yourself, "I make enough. Why aren't I getting ahead?"

  • Episode 002 - Setting and Achieving Mini Financial Goals (Budgeting)

    Oct 31 2011

    Wait, I thought we were budgeting.  What's all this talk about goals, mini-goals, and habits? Yeah, you're not budgeting. You're becoming an unbelievably effective goal setter/reacher.

  • Episode 001 - Stop Living Paycheck to Paycheck

    Oct 24 2011

    70% of people live paycheck to paycheck, but did you know the interesting part of that statistic that isn't often quoted?  It will surprise you, and perhaps spur you on to decide that $1000 is the new $0.  Rule Four, "Stop Living Paycheck to Paycheck" is discussed as it relates to doing hard things :)