loader from loading.io

If Money Were No Object... What Would Your New Years Resolution Be?

The Jesse Mecham Show

Release Date: 12/30/2024

I Regret Paying Off My Mortgage show art I Regret Paying Off My Mortgage

The Jesse Mecham Show

When Jesse was 25, he wrote down a goal on a notecard: to live in a paid-off house by the time he was 30. He thought that owning his house free and clear would make things feel different, give him a sense of security and freedom. At the end of the day, though, the mortgage really wasn't that big of a deal -- it was just another bill to pay. There was less satisfaction to owning his home outright than he thought there would be, and some regret when he realzied he could have invested the extra mortgage payments somewhere else and made far more return.   You may not have the same outlook on...

info_outline
Your Money = You show art Your Money = You

The Jesse Mecham Show

Welcome to the first episode of The Jesse Mecham Show! To kick off the new show, Jesse asks the question: what is money anyway? You might point to the cash in your wallet, you might say it's the number in your bank account, you might even say it's a medium of exchange, or a store of value. While these answers aren't wrong, they really don't capture the fullness of what money is and what it means to us.   Instead of thinking of money as merely a medium of exchange, Jesse prompts you think of it as medium of energy. You expend energy to acquire money, and then you spend that money on all...

info_outline
Ask Jesse: 2025 Edition Part Drei show art Ask Jesse: 2025 Edition Part Drei

The Jesse Mecham Show

Jesse finishes his Q&A session from his inbox with one of the longer episodes in recent memory. He also announces a big change coming 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:  

info_outline
Spendfulness  Isn't... Spendfulness Is show art Spendfulness Isn't... Spendfulness Is

The Jesse Mecham Show

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...

info_outline
Ask Jesse: 2025 Edition Part Deux show art Ask Jesse: 2025 Edition Part Deux

The Jesse Mecham Show

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:  

info_outline
Ask Jesse: 2025 Edition show art Ask Jesse: 2025 Edition

The Jesse Mecham Show

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:  

info_outline
Spendfulness show art Spendfulness

The Jesse Mecham Show

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:

info_outline
YNAB Method Overhaul... Not Really show art YNAB Method Overhaul... Not Really

The Jesse Mecham Show

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) ...

info_outline
Advice for Procrastinators Not Wanting to Deal With Money show art Advice for Procrastinators Not Wanting to Deal With Money

The Jesse Mecham Show

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:  ...

info_outline
I Stopped Using Credit Cards for an Entire Year. Here's What Happened show art I Stopped Using Credit Cards for an Entire Year. Here's What Happened

The Jesse Mecham Show

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: ...

info_outline
 
More Episodes

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 efficiency, or anything else you can think of, you can do it! Write these things down on a sheet of paper.

 

You have already started the process of thinking about where to spend your energy in the New Year, and wherever your energy is going, your money should be too. Now, when you bring reality back in, which means limited funds and resources, you have a clearer idea of where to focus those resources in order to help you reach your goals.

 

Happy New Year!

 

Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC:

YNAB.com/events

 

Got a question for Jesse? Send him an email:

[email protected]

 

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

 

Follow YNAB on social media:

Facebook: @ynabofficial

Instagram: @ynab.official

Twitter/X: @ynab

Tik Tok: @ynabofficial