Sinopsis

A weekly dose of just the right medicine to help you get out of debt, save more money, and break the paycheck to paycheck cycle.

Episodios

  • 3 Ways to Curb Your Money Spending Problem

    3 Ways to Curb Your Money Spending Problem

    11/01/2021 Duración: 09min

    Jesse offers three ways to stop spending money and kickstart your savings: Designate a "no spend" day. Pick a day of the week where you will deliberately spend NO money, and dutifully stick to that. Be realistic! If you usually have a date night on Friday, then pick another day. Maybe's it's a Tuesday, maybe it's a Sunday, but it should work with your schedule. Treat your savings as a purchase. In other words, change your mindset about what spending is. Instead of buying a good or service, treat your saving as "buying investments" or "buying back your debt." Some people turn buying small numbers of shares in an index fund into a game, where their investment brings them pleasure just like buying a coffee or a croissant at the local coffee shop. Identify your triggers. Pay attention when you have an impulse to buy something. Does it happen in certain places? Certain websites or forums? Perhaps on your way home from work? Find your spending "triggers," and work on ways to avoid them. Take a different route home

  • EP02 Money Stories: Liz Finds Financial Freedom through Tik Tok

    EP02 Money Stories: Liz Finds Financial Freedom through Tik Tok

    07/01/2021 Duración: 23min

    Jesse talks with YNAB'er Liz about her recent conversion to the YNAB software, which she discovered through the social media network Tik Tok. In just six months with YNAB, Liz has already reversed her financial situation, paid off debt, and created financial  security for her family.   Are you ready to take the challenge? https://www.youneedabudget.com/34dayreset/

  • This Is Why You Cant Get Out of Debt

    This Is Why You Can't Get Out of Debt

    04/01/2021 Duración: 06min

    Just like weight loss, there are some people who manage to pay off their debt through a burst of willpower and concerted effort... only to fall into debt again, usually slowly. Jesse points out that often this is a failure to follow Rule Two (Embracing Your True Expenses), and discusses how you can prevent slipping into old habits in the New Year.   Are you ready for a financial reset? https://www.youneedabudget.com/34dayreset/

  • EP01 Money Stories: Trish Answers - How Far Would You Go to Pay Off Debt?

    EP01 Money Stories: Trish Answers - How Far Would You Go to Pay Off Debt?

    31/12/2020 Duración: 27min

    YNAB is bringing back the Debt Stories... but this time we're calling it "Money Stories." In this series, Jesse interviews YNAB users about their incredible stories using YNAB to pay off debt, plan for life, build their savings, and more.   In this episode, Jesse interviews 34-year old nurse Trish. Though very hard working and driven to succeed, Trish found herself in $50,000 of debt despite working multiple jobs. Her unusual work arrangement meant that she went long periods of time between paychecks -- sometimes receiving multiple paychecks at once, months apart -- during which time she began relying on credit cards to ensure she had enough money to cover emergencies and unexpected expenses.   The credit card balance continued to climb, however, and, when combined with her car note and student loans, the monthly payments began eating up a large portion of her cashflow. Fed up, Trish decided to make some changes.   Focusing her energy and work ethic on her money, Trish decided to make drastic moves to pay dow

  • Join Me In a 34-Day Reset

    Join Me In a 34-Day Reset

    28/12/2020 Duración: 06min

    Jesse issues a New Years' challenge for YNAB'ers. For the next 34 days, abide by just three rules:  Write down every single thing you spend money on. You can do this in YNAB, or on a sheet of paper, but it must include every penny spent! Purchase ONLY essentials. Essential means you must have it to live. Do not eat out, or order take-in from restaurants. No restaurant spending, full stop. It's only 34 days, you can do it! YNAB's data and experience has shown that people often find hundreds, even a thousand, extra dollars in their budget by doing these three things. In particular, eating out has proven to be the number one most common drain on the budget. Remember, this is only for a short time! It's a small amount of hardship to endure, that can provide a major boost your savings and financial health to start the New Year.   Start the reset today: https://www.youneedabudget.com/34dayreset/

  • Remembering What We Remember

    Remembering What We Remember

    21/12/2020 Duración: 03min

    Jesse reflects on budgeting for the Christmas season. While YNAB is all for getting your savings in order so that you can cash flow your Christmas spending without going into debt, the holiday season is about much more than presents. Recalling his childhood, Jesse can't actually remember much about the gifts he received. What he does remember is the time he spent with family, and the memories he made with them.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Terry Bickmore: Advice for the First-Time Homebuyer

    Terry Bickmore: Advice for the First-Time Homebuyer

    14/12/2020 Duración: 45min

    Jesse interviews his friend and realtor Terry Bickmore about Terry's introduction to YNAB and how it helped transform his business and personal life. Terry offers some advice for first-time homebuyers, based on YNAB's Four Rules.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Big Goals The End (re-broadcast)

    Big Goals The End (re-broadcast)

    07/12/2020 Duración: 04min

    Jesse reflects on learning to relax about spending money, especially on the "black box" line items -- unspecified purchases from Amazon that don't fit neatly into any other category, or purchases that he simply doesn't want to look up and re-categorize. Part of learning to relax about these expenditures is realizing that as long as you are achieving your primary goals -- funding an emergency fund, saving for retirement, saving for a house perhaps -- then it doesn't really matter what happens to the rest of your money. It's another way of looking at the big picture.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Tackling Fear

    Tackling Fear

    30/11/2020 Duración: 07min

    The end of the year is nigh, and 2020 has been one of the most stressful in recent memory. Jesse offers some advice for those dealing with fear and anxiety during these times.   During times of fear and uncertainty, Jesse draws on Stephen R. Covey's seminal book The 7 Habits of Highly Effective People. The first habit is to be proactive and take responsibility for your reactions to events. To that end, Covey asks readers to consider their circle of influence -- What do you control? Where do you not have control? Drawing a very clear picture of your circle of influence, and defining what you don't control, can help with realizing what things you ought to be fear and what things are outside your influence, and thus should be outside your concern (or at least unworthy of spending mental bandwidth on). When people start budgeting, they often can't control what they make, but they can control some of things they spend on. So focusing on spending, giving their money a job, and following the four steps brings their

  • YNAB Named Fortunes 2020 Best Small Workplace with Taylor Brown, CTO

    YNAB Named Fortune's 2020 "Best Small Workplace" with Taylor Brown, CTO

    23/11/2020 Duración: 48min

    Jesse and Taylor Brown, YNAB's Chief Technology Officer, celebrate the company being named Fortune's #1 Best Place to Work in Small Business in 2020. Jesse and Taylor take a walk down memory lane, reminiscing about the very early days of YNAB and how they much they've grown since, both as a company and as leaders within the business. The moniker "best place to work" doesn't just happen, but rather is a consequence of Jesse and Taylor's work in defining their company and employee values and consistently acting on those principles over the years.   Of course winning this honor is due to the work of everyone at YNAB, especially the operations team (lead by COO Chance Gurr) whose responsibility is making sure YNAB is a rewarding place to work. So, Jesse and Taylor wish to thank everyone at YNAB for their hard work and for embodying the company's values every day.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Think Like An Entrepreneur: An Interview with Ramit Sethi (I Will Teach You to Be Rich)

    Think Like An Entrepreneur: An Interview with Ramit Sethi (I Will Teach You to Be Rich)

    16/11/2020 Duración: 01h16min

    Jesse sits down with acclaimed finance writer and entrepreneur Ramit Sethi for a long chat about the mindset of financial success, how to think like an entrepreneur, and why the most important question about personal finance you need to be able to answer is... "Why?".   Ramit is the author of the 2009 New York Times Best Seller, I Will Teach You to Be Rich, and the founder of Earnable, a community of entrepreneurs in which he coaches people how to think like entrepreneurs, develop viable business ventures, and market effectively to grow their business.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Budgeting with Self-Care with Robyn Conley Downs

    Budgeting with Self-Care with Robyn Conley Downs

    09/11/2020 Duración: 29min

    Jesse interviews wellness expert, educator, and entrepreneur Robyn Conley Downs about applying her strategies for wellness to making lasting change in budgeting.   You can find Robyn here: Real Food Whole Life: https://realfoodwholelife.com/about/ IG: @realfoodwholelife   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Contribution Margin to Cover Lifes Overhead

    Contribution Margin to Cover Life's Overhead

    02/11/2020 Duración: 07min

    In the world of cost accounting, there's a concept known as contribution margin. Basically, it's how much you make on a product or service after you consider how much it cost to make that thing. The formula is revenue less the variable costs that go into making the product. Contribution margin is an important metric for businesses because it tells you whether you are making a profit on the things you sell. After all, it would do no good to sell a bunch of t-shirts for $18 a piece, if each of them costs you $20 to make!   Now, Jesse asks, what if we apply this concept to our life? We have jobs that earn us revenue. What do they cost to do? Time, obviously, but perhaps also driving/commuting, stress? The point is, the things that earn us money have a non-zero cost associated with them, and it's wise to keep track of that cost and make sure, at the end of the day, that we are using our time in a profitable manner.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • You Are Building WEALTH

    You Are Building WEALTH

    26/10/2020 Duración: 04min

    It's not a dirty word, so let's say it together -- wealth! At YNAB, we often use the words "save money," and it's a more approachable concept, something that seems achievable in the short term. Wealth can seem like such a far-off concept sometimes. But at the end of the day, that's what we're all trying to do, is to build wealth that will allow us to do more of what we want to do in life.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Just Settle In

    Just Settle In

    19/10/2020 Duración: 05min

    While canning tomatoes from a bumper crop, Jesse realized the process was going to take a looooooong time. His wife advised him, simply, to "just settle in." Anything that yields great results in the future takes both upfront effort and perseverance. Whether it's gardening, putting up vegetables for the winter, or budgeting, you have to settle in.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Never Spend Your Emergency Fund Again

    Never Spend Your Emergency Fund Again

    12/10/2020 Duración: 04min

    Jesse lays out a strategy for managing unknown expenses without continually dipping into your emergency fund. Traditional budgeting advice tells you to create an emergency fund for dealing with unforeseen expenses, but often people end up using their emergency funds for irregular, but foreseeable expenses -- things like new tires, new cars, A/C repair, etc. They don't happen regularly, maybe only every several years, but if you look into the future you know they are coming.   For YNAB'ers that are following Rule #2, Embracing Your True Expenses, these aren't true emergencies, and they are already covered in the budget. In the rare event of a true emergency that catches you off guard, Jesse recommends that rather than spending money out of your global emergency fund, set up a new category for that expense. Maybe it's a house repair that you had never encountered before. Make a new category for that type of repair, and start a new sinking fund for it like you do for other Rule #2 expenses.   Over time, this str

  • Are You Just Not Smart With Money?

    Are You Just Not Smart With Money?

    05/10/2020 Duración: 04min

    Jesse tackles the defeatist attitude some people develop that they are just no good with money. As they say, comparison is the thief of joy, and we should add, it's very misleading when it comes to money! Watching what other people do with their money isn't particularly helpful or relevant to your own situation. Bottom line, being smart with your money simply means knowing what you want your money to do, and allowing it do that for you. This is something anyone can do!   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Lifestyle Creep?

    Lifestyle Creep?

    28/09/2020 Duración: 03min

    Recently someone asked Jesse about his thoughts on preventing lifestyle creep, a major supposed gremlin of budgeting. Jesse doesn't even like the question, and discusses why worrying about lifestyle creep is looking at budgeting in the wrong light.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Mindfulness and Money: A Chat with a Meditation Expert

    Mindfulness and Money: A Chat with a Meditation Expert

    21/09/2020 Duración: 30min

    Recently Jesse received an email from a woman who claimed YNAB was really a program about mindfulness... just using money and budgeting as the entry point. So Jesse invited this woman onto the podcast to talk about the connection between mindfulness, meditation, and money. Welcome to Kathleen Slattery-Moschkau, a mindfulness expert, yoga instructor, and filmmaker currently residing in Madison, WI where she runs The Studio.   The Studio: https://www.thestudiomadison.com/about-us-2/   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Progress Purchases

    Progress Purchases

    14/09/2020 Duración: 04min

    Let's face it, it feels good to buy things. That's not necessarily a bad thing, either. Spending on hobbies or other things that bring you value -- maybe a date with your partner -- makes you feel good for a good reason.   However, from time to time we need to check the rationale behind our purchases. Maybe you intend to start a new exercise regime, so you buy new shoes and clothes and perhaps a new journal as well to document your progress. But have you actually started the program yet?   Often simply purchasing something related to your goals can make you feel like you've made progress.... when, unfortunately, that's not really the case! Jesse calls these "progress purchases," and warns you to watch out for them!   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

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