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A Sample of Interesting, Joyful Spending

The YNAB Podcast

Release Date: 01/29/2024

Let's Cut Spending! show art 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...

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Ask Jesse: Perfect YNAB, Tithing Confusion, and More Credit Card Comments show art Ask Jesse: Perfect YNAB, Tithing Confusion, and More Credit Card Comments

The 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:

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Gaming the Credit Card System... Maybe show art Gaming the Credit Card System... Maybe

The YNAB Podcast

Jesse answers a question from a listener who argues that becuase he carries enough cash to cover his credit card spending at all times, he is not riding the float and therefore is gaming the credit card companies. Jesse quotes Charlie Munger -- "show me the incentive, and I'll show you the outcome" (he actually said outcome not behavior) -- and observes that financial institutions have big incentives to encourage more spending, because spending increases their fees. So where there's an incentive, there's a behavior they want to encourage, and using credit cards is it. In Jesse's experience,...

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Inherent Value Doesn't Exist show art Inherent Value Doesn't Exist

The YNAB Podcast

Jesse argues that the common refrain of a thing having "inherent value" or "intrinsic value" is not actually a thing. As Jesse explains, value is a moving target, constantly shifting along with our desires and material circumstances. To a starving man, food is worth more than gold. To that same man well-fed, it can be worth little. We see this with our own money -- as our circumstances change, the categories we prioritze shift. Rule 3, roll with the punches, acknowledges the ever-shifting nature of our needs and desires, and challenges us to make trade-offs to materialize those changes in our...

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Ask Jesse: Lavish Praise and Woodchip Gardening (Sort Of) show art Ask Jesse: Lavish Praise and Woodchip Gardening (Sort Of)

The YNAB Podcast

Jesse is back answering another round of questions from his inbox. Today he responds to listeners asking whether the Four Rules are really rules or rather habits, what his favorite time management tools are, and how to relate to a spouse uninterested in budgeting.   Getting Things Done: The Art of Stress-Free Productivity   Four Thousand Weeks: Time Management for Mortals     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:

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Young Creatures Just Looking to Party show art Young Creatures Just Looking to Party

The YNAB Podcast

Jesse shares a story from a YNAB'er who had a major mindset shift about money. For this person, money went from a stressful topic to envisioning it as "young creatures just looking to party." Imagining your dollars as little "you's," searching for ways to improve your life and live out your values takes away the fear and anxiety around money.   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:

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Looking In the Mirror show art Looking In the Mirror

The YNAB Podcast

Mirror, mirror on the wall... which category is the truest of them all? Over the last several weeks, Jesse has explored the idea that money is more than just a tool, it's a reflection of you. Your spending is a representation of your energies and your desires, and therefore a proxy for who you are. So, if you imagined the categories in your spending plan as a mirror -- what would that mirror say about you? Do you like what's in the reflection?   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: ...

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Money Is Not a Tool show art Money Is Not a Tool

The YNAB Podcast

One of the pervasive messages about money is that "it's just a tool," and Jesse takes issue with that! When money is reduced to a mere tool, like a wrench or a screwdriver, it invites people to be more careless with it, to use it then put it in a drawer and forget about it. Hearkening back to episode #650: It's You All the Way Down, Jesse reminds us that if a dollar is the product of your energies, then a dollar is you! You aren't just a tool -- you are a human, with desires and values which are reflected in your spending. In this light, then, money takes on a much larger role than merely...

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Dire Straits, or Rolling In It, It's All the Same show art Dire Straits, or Rolling In It, It's All the Same

The YNAB Podcast

Whether your bank account is looking bare and collecting dust, or flush with cash, the temptation is all the same: to run away from the money. The person in dire financial straits often wishes they had a bunch of money, because then they wouldn't have to worry about money. On the flipside, the person newly flush with cash is quick to forget about the money, because they feel like they have enough now. Inattention is a mistake, no matter how it happens!   Send your question to Jesse:   Sign up for a free 34-day trial of YNAB at   Follow YNAB on social media: Facebook: ...

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Ask Jesse: How to Plan with a Reluctant Partner, and Some Successes show art Ask Jesse: How to Plan with a Reluctant Partner, and Some Successes

The YNAB Podcast

Jesse opens his inbox for another for round of Ask Jesse, where he answers emails from YNAB'ers about all things money, finance, and... well, life! In today's episode, one listener asks about how to deal with a reluctant partner who doesn't want to participate in the YNAB process. Other listeners share their successes paying off debt and gaining control of their money for the first time.   Send your question to Jesse:   Sign up for a free 34-day trial of YNAB at   Follow YNAB on social media: Facebook: Instagram: Twitter: Tik Tok:

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More Episodes

Back in October 2023, Jesse asked listeners to look at their last ten transactions on YNAB and rank them on a scale from one to three, with one being spending that sucked joy from them and three being spending that sparked joy. Then he asked listeners to share their most interesting "three," the most interesting transaction that brough joy. Today, Jesse digs through the answers and discovers an interesting commonality -- the spending that sparked the most joy was spending on other people.

 

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