The YNAB Podcast
Those categories that you love to spend in, those categories that suck you right in. What if you could increase your spending in that category by 50%? Jesse challenges you that you can in fact do this, by honing in on the things you love, and the things you don't. Spend less on the things you don't love -- not because you are cutting! -- but so that you can spend more on the things you love. 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: Tik Tok:
info_outline Can You Plan to Be Spontaneous?The YNAB Podcast
According to Jesse, absolutely you can! In fact, YNAB enables you to be more spontaneous. Planning your spending with YNAB doesn't mean locking your dollars into rigid categories that cannot change. It means setting aside money ahead of time for the things you don't know you want yet. Many people who thrive on spontaneity unfortunately end up in financial trouble, because they're never sure whether they have the money to afford their spur of the moment purchases and experiences. Using YNAB, however, you can set up categories whose only purpose is to hold money for spontaneous expenses, so that...
info_outline Helping Savers SpendThe YNAB Podcast
We tend to think of spending as a problem that needs to be solved, however YNAB encourages spending as a thing to be enjoyed, as long as that spending is in accordance with priorities and people understand the tradeoffs they are making when they spend. In the world of personal finance we also tend to think about people who are natural spenders, but they are natural savers as well, and YNAB can help them too! Jesse responds to a comment from a YNAB team member who identifies as a natural saver, who has used YNAB to learn to love spending money as much as she does saving it. Got a...
info_outline Cheaper Milk and EggsThe YNAB Podcast
Jesse fields a question from the YNAB team about how he stays positive in light of rapidly increasing grocery prices. 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: Tik Tok:
info_outline Ask Jesse: Heady Books and Final Settlement, Among Other ThingsThe YNAB Podcast
Jesse answers another round of questions from his inbox, including a number of suggestions for new books to read! 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: Tik Tok:
info_outline It's Just No Way to LiveThe YNAB Podcast
It's not uncommon for people to remark to Jesse that they wished they would have found YNAB sooner. The four habits are such a powerful tool for bringing clarity to your money and joy to your spending. Today Jesse wants to remind you that regretting the past is no way to live! 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: Tik Tok:
info_outline What's the Alternative?The YNAB Podcast
Jesse reviews the Four Rules and takes issue with those who say, "yeah must be nice to have extra money to make a plan with... everything I make is spoken for." It's true, there are some people who have a legitimate income problem. But this argument often becomes an excuse to not actually make plans for your money, to not try to follow the rules and start to get ahead on your expenses. After all, what's the alternative? 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: Tik...
info_outline Your Biggest Single ExpenseThe YNAB Podcast
Your biggest single expense is one you probably don't think about much... unless you're American and it's April 15th. You may think it's housing, or maybe education, or raising kids, but all those costs are dwarfed by the elephant on your income statement: taxes. We are taxed in hundreds of ways, some obvious like income taxes and sales tax, others more insidious like fuel tax, air travel tax, liquor tax, etc, etc. Jesse points this out to demonstrate something important -- you can be desensitized to almost any expense, even the single biggest expense in your life! Beginning Balance...
info_outline Let's Cut Spending!The YNAB Podcast
Let's cut spending! And then... what exactly? The all too common advice that you need to "cut spending" implies that your level of consumption is simply too high. That may or may not be the case, but in Jesse's experience and the thousands upon thousands of people YNAB has helped to regain control over their money, "spending less" is rarely the problem. Most people don't have a spending too much problem, they have a spending on the wrong things problem. For that reason, you'll never hear Jesse give advice to just "cut spending." Got a question for Jesse? Send him an email: Sign...
info_outline Ask Jesse: Perfect YNAB, Tithing Confusion, and More Credit Card CommentsThe YNAB Podcast
Jesse answers another round of questions from YNAB listeners. Today someone asks whether there is such a thing as "perfect YNAB" use and if good enough use is OK (yes!). Another YNAB'er is confused on how to calculate tithes for business income, and, as always, there are some questions and comments about credit card rewards. 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: Tik Tok:
info_outlineJesse ran across a quote from author F.W. Boreham the other day that resonated strongly: "We make our decisions, and then our decisions turn around and make us." Mr. Boreham described the goal of the Four Rules in one simple and effective sentence! Working the Four Rules to create a spending plan involves making decisons -- decisions about what you value and where you want to spend your money. Those decisions stack on each other and in turn lead you to financial freedom, peace, and, ultimately, more joy with your money.
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