Spendfulness Isn't... Spendfulness Is
The YNAB Podcast
Spendfulness is the new word in town, but don't be fooled! It's not just a portmanteau of "spending" and "mindfulness." Spendfulness isn't spending on the "right" or "correct" things. It doesn't mean spending on health or self-improvement, or even treating yourself. Although it certainly could include these things, limiting the definition to them is too small. Paying your electric bill is spendfulness, just like paying for a day at a health spa or a membership to a yoga studio. Spendfulness is that feeling of never having to second guess about your money, or being able to replace a...
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Ask Jesse: 2025 Edition Part Deux
The YNAB Podcast
Jesse continues his Q&A session from his inbox, addressing questions such as: whether an investment advisor is worth it and what to do with an inheritance windfall. Jesse also teases some upcoming changes to the podcast! Got a question for Jesse? Send him an email: Sign up for a free 34-day trial of YNAB at Follow YNAB on social media: Facebook: Instagram: Twitter/X: Tik Tok: Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC:
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Ask Jesse: 2025 Edition
The YNAB Podcast
Jesse cracks open his inbox for another round of Ask Jesse. In today's episode he fields questions about YNAB'ing through job loss, financing a car and investing the float, and what personal finance books he recommends for kids. Got a question for Jesse? Send him an email: Sign up for a free 34-day trial of YNAB at Follow YNAB on social media: Facebook: Instagram: Twitter/X: Tik Tok: Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC:
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Spendfulness
The YNAB Podcast
People have been doing it for years by following the YNAB method -- self-actualizing by aligning their spending with themselves. Now the YNAB team has come up with a word to describe it. It's not a budget, it's not a set of rules. It's spendfulness. Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC: Got a question for Jesse? Send him an email: Sign up for a free 34-day trial of YNAB at Follow YNAB on social media: Facebook: Instagram: Twitter/X: Tik Tok:
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YNAB Method Overhaul... Not Really
The YNAB Podcast
The Four Rules are out... the Five Questions are in! Well... not really, the Four Rules have just been transformed and clarified. As Jesse has pointed out in prior podcasts, the Four Rules were really just one rule, the first rule -- Give Every Dollar a Job. And that is still the master rule. To clarify what giving every dollar a job means, YNAB has come up with five questions: What does this money need to do before I’m paid again? (Reality) What larger, less frequent spending do I need to prepare for? (Stability) What can I set aside for next month’s spending? (Resilience) ...
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Advice for Procrastinators Not Wanting to Deal With Money
The YNAB Podcast
If you have been procrastinating about starting to manage your money, Jesse has a message for you. It's ok to start now, and start small -- and you don't have to be perfect either! Jesse has been using the YNAB method to manage his money for twenty years now, and he still hasn't reached perfection. But, he has become more in tune with his spending and learned how to create more joy in his life as a result, and he's helped millions of other people to do the same through YNAB. Jump in! Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC: ...
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I Stopped Using Credit Cards for an Entire Year. Here's What Happened
The YNAB Podcast
Every year Jesse experiments with his money. In 2023 he decided to ditch his credit cards, and he continued that experiment through 2024. The result? His average bank account balance is up 18%, his time spent maintaining YNAB is down, and most importantly, money is simpler. He doesn't even miss the points and cashback rewards! Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC: Got a question for Jesse? Send him an email: Sign up for a free 34-day trial of YNAB at Follow YNAB on social media: Facebook: Instagram: ...
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If Money Were No Object... What Would Your New Years Resolution Be?
The YNAB Podcast
It's almost the New Year, and that means it's time to make resolutions! Jesse loves resolutions, goals, and goal planning, and he has some advice for you this year. Before you start setting your goals for next year, do this simple vision exercise first. Imagine that money is no object, and you have unlimited funds to work with. What would you like to do next year? What kind of things would you need to arrange in your life to make that happen? Remember money is not an issue here -- if you need to hire someone to take care of certain tasks for you, or buy something to improve your...
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Don't Scrooge Yourself Next Christmas
The YNAB Podcast
Ebenezer Scrooge is a classic Christmas tale, a tragic character who lets his insatiable desire for money blind him to the circumstances of the people around him -- particularly his employees -- and the spirit of the Christmas holiday. He didn't even seem to enjoy spending his wealth, only the accumulation of it. While Scrooge is not a good role model for generosity or charity, he did always pay his bills on time. Next Christmas you can give yourself a bill, or rather give yourself a bill now, and every month between now and next Christmas! Think of the things you want to buy and...
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Why FIRE is a Form of Procrastination
The YNAB Podcast
The FIRE movement, which stands for "Financial Independence, Retire Early," has a long-lived and strong fan base on the internet. The idea behind FIRE is simple: figure out how much money you need to live on each year, then calculate how much money you would need to save up in order to live on the returns from your portfolio indefinitely. Once you hit your number, BAM! You're retired, and live happily after ever. Right? Jesse sees this idea as, ultimately, just another form of procrastination about money. When you put all your focus on the number you need to retire, you forget about the...
info_outlineWinning financially is simple. You just need a pen, a paper, and a plan.