You Need A Budget (YNAB)
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.
info_outline From the YNAB Mailbag: When Should I Invest in the Stock Market? 10/11/2021
From the YNAB Mailbag: When Should I Invest in the Stock Market? Jesse answers a listener-submitted question. If you've paid off your debt, and you have an emergency fund, should you start investing in the stock market? If your goal is to build wealth -- and there are many good reasons to -- then investing in the stock market is a great way to do that.
info_outline Tik Tok for Financial Advice? YNAB's Got That Covered 10/06/2021
Tik Tok for Financial Advice? YNAB's Got That Covered Did you know YNAB is on Tik Tok? Yep, thanks to YNAB team member Sarah Schweisthal, You Need A Budget has been lighting up Tik Tok "stitches" with budgeting advice for the yoots. Sarah talks about her work sharing the Four Rules on Tik Tok, as well as her own budgeting journey going from being deeply in debt to traveling full-time in a travel trailer.
info_outline Should You Invest in Crypto? 10/04/2021
Should You Invest in Crypto? It's been hot for years, and has recently become white hot. Cryptocurrencies have the potential to change money and finance in a profound way, but does that make it a good investment, or mere speculation? How would you invest in crypto anyway? Jesse offers his thoughts on this incredible 21st century innovation.
info_outline How the World's Greatest Investors Win in Markets and Life 09/29/2021
How the World's Greatest Investors Win in Markets and Life Jesse speaks with renowned financial journalist William Green about his new book -- Richer, Wiser, Happier: How the World's Greatest Investors Win in Markets and Life -- in which Green interviewed numerous billionaires, fund managers, and legendary investors about their investing wisdom, mindset, and even philosophy. Even if you are just a passive index investor who does not aspire to purchase individual securities, the words of these accomplished investors contain much wisdom.
info_outline Investing 101, Pt 2: How to Get Started 09/27/2021
Investing 101, Pt 2: How to Get Started School is back in session! And today, Jesse and Matthew Amster-Burton are discussing everything you need to do to get started investing for retirement. They break down the different types of investment accounts, mutual funds and index funds, bonds, and a few simple, stress-free strategies for investing.
info_outline Building Passive Income through Real Estate with Dustin Heiner 09/22/2021
Building Passive Income through Real Estate with Dustin Heiner Jesse chats with Dustin Heiner, a real estate investor who quit his job five years ago after building a passive income stream sufficient enough to live on. Dustin received a wake up call several years ago when he was laid off from what he thought was a stable government job when his department lost funding. Although he was able to find a new position in a different department, he vowed to never be in that position again, so he put his energy into building a sustainable business out of real estate.
info_outline Investing 101 with Matthew: Terms You Need to Know 09/20/2021
Investing 101 with Matthew: Terms You Need to Know School is in session! Jesse teamed up with Matthew Amster-Burton (who you have heard on the Behind the Scenes series), a YNAB team member and former financial advisor, to create a short series demystifying the world of investing. For the first day of class, they cover some of the basic investing terms you will encounter.
info_outline Financial Order of Operations 09/13/2021
Financial Order of Operations Do you pay off debt first, or invest for retirement while paying it off slower? Or do you build an emergency fund first? How much? There are a number of tradeoffs when it comes to paying off debt, saving, and investing, and Jesse reminds us that there is no prescription! Everyone's budget is personal, and will depend on their goals, values, and emotional response to the budgeting process.
info_outline The Financial Pressures of The Sandwich Generation with Jennifer Owens 09/08/2021
The Financial Pressures of The Sandwich Generation with Jennifer Owens With the Baby Boomer generation rapidly aging into retirement, more and more Generation X and older Millennials face some tough financial questions: how do you financial support parents that need medical care, or long-term assistance, but cannot afford it? Should you support kids after college by allowing them to live at home while they get their financial feet under them? Should you save for your own retirement first, or help your parents/kids first?
info_outline Behind the Scenes: A Random Chat with the YNAB Team 09/06/2021
Behind the Scenes: A Random Chat with the YNAB Team As you might have noticed by now, the team at YNAB is diverse, eclectic, and full of passionate people with a wide range of interests. It is no surprise, then, that in the course of conducting these Behind the Scenes interviews, Jesse discovered a ton of interesting and, well, random things about the employees of YNAB!
info_outline How to Talk to Your Kids About Money with Anne-Lyse Wealth 09/01/2021
How to Talk to Your Kids About Money with Anne-Lyse Wealth Talking about money isn't easy for adults, so it's no surprise that many adults struggle with how to talk about money with their kids. Stephanie Anne-Lyse Wealth, or just Anne-Lyse as she goes by in her publications, has some ideas for introducing children to the concept of money, saving, investments, and debt.
info_outline Behind the Scenes: Personal Finance Tips from the YNAB Team 08/30/2021
Behind the Scenes: Personal Finance Tips from the YNAB Team In today's installment of Behind the Scenes, YNAB team members share their insights about personal finance, whether it's overcoming the fear and confusion of investing, learning to push yourself to achieve things you never thought you could, or better understanding our conditioning around money and success.
info_outline Back to School, Back to Budgeting 08/25/2021
Back to School, Back to Budgeting It's that time of the year again, when summer is winding down and children are starting the new school year. As seasons go, starting the new school year is a time of new schedules and new challenges. It's also a great time to rethink the budget, or simply get back in touch with the budget.
info_outline Behind the Scenes: The YNAB Team Shares Their Very Best Budgeting Advice 08/23/2021
Behind the Scenes: The YNAB Team Shares Their Very Best Budgeting Advice Today Jesse asks the team at YNAB to share their top pieces of advice for new YNAB users... besides, you know, that you need a budget.
info_outline Meet the Man with All the Hacks! Chris Hutchins 08/18/2021
Meet the Man with All the Hacks! Chris Hutchins Life hacker, optimizer, product director at Wealthfront... he wears many hats, but his passion is the same -- upgrading life without spending a fortune! In today's episode, Jesse chats with Chris Hutchins, who shares a handful of his seemingly endless number of life hacks. Whether it's saving money on travel, getting a few more dollars out of your car lease, or negotiating for coupons, Chris has a hack for just about everything.
info_outline Behind the Scenes: Working at YNAB 08/16/2021
Behind the Scenes: Working at YNAB In today's installment of Behind the Scenes, Jesse asks employees why they applied for a position at YNAB, what the interview process is like, and whether the company has lived up to its reputation as the best small business place to work at (no, really, that's what Fortune said, for the second year running!). YNAB gets a lot of applications, and the hiring process is fiercely competitive, but those who have made it share their thoughts and experiences.
info_outline EP10 Money Stories: How Tristan Pursued His Art Dreams and Paid off $80k of Student Debt 08/11/2021
EP10 Money Stories: How Tristan Pursued His Art Dreams and Paid off $80k of Student Debt In today's Money Story, Jesse chats with a YNAB employee, the gifted artist and animator Tristan Henry-Wilson, whose work YNAB users may have seen on the YNAB website and the YNAB Youtube channel, among others. Tristan may be an exceptionally talented artist, but he didn't come into his art career easily. After receiving some unexpected financial aid, he attended Ringling College of Art and Design and earned a degree in illustration.
info_outline Behind the Scenes: Budgeting with a Partner 08/09/2021
Behind the Scenes: Budgeting with a Partner Experienced YNAB'ers understand that budgeting is an active, ongoing process that requires frequently engagement with your budget. Ideally, both partners in a relationship are fully engaged in the budget, but the budgeting process can take many forms. In today's Behind the Scenes episode, Jesse chats with YNAB employees about budgeting with a partner, and the many ways couples learn to navigate the routine.
info_outline Mom and Dad, We Need to Talk: Money and End-of-Life Care with Cameron Huddleston 08/04/2021
Mom and Dad, We Need to Talk: Money and End-of-Life Care with Cameron Huddleston Award winning author and personal finance journalist Cameron Huddleston joins the show to discuss the uncomfortable realities of managing parents' finances through end of life care and after their death. From wills, power of attorney documents, to simply knowing where your parents have all their bank accounts, Cameron offers some practical advice on what things you need to look out for when helping your older family members manage their finances.
info_outline Behind the Scenes: What's The Budget Done for You Lately? 08/02/2021
Behind the Scenes: What's The Budget Done for You Lately? Jesse interviewed every employee at YNAB, asking them about a wide range of topics -- how they heard about YNAB, what they are working on in their roles, and their money struggles and successes. In today's Behind the Scenes episode, YNAB insiders answer the question: what's the budget doing for you lately?
info_outline Meet Your Guide to the Student Loan Jungle: Travis Hornsby (Student Loan Planner) 07/28/2021
Meet Your Guide to the Student Loan Jungle: Travis Hornsby (Student Loan Planner) Travis Hornsby is passionate about student debt, especially helping people with lots of it find smart, effective pathways to pay it off. After a career as a bond trader, he turned his attention to building a service to help college graduates with large student debt loads navigate their way through the maze of repayment options, forgiveness programs, and tax complications that come with student loans.
info_outline Behind the Scenes: YNAB Employees Tell Their Debt Stories 07/26/2021
Behind the Scenes: YNAB Employees Tell Their Debt Stories Jesse interviewed every employee at YNAB, asking them about a wide range of topics -- how they heard about YNAB, what they are working on in their roles, and their money struggles and successes. Today, you'll hear from a selection of YNAB employees discussing their debt struggles, how they came into debt, and how they have used the Four Rules to pay it off.
info_outline James Clear: Building Good Habits and Breaking Bad Ones 07/21/2021
James Clear: Building Good Habits and Breaking Bad Ones Jesse invites the author behind one of his favorite books, Atomic Habits, to join the podcast and talk about what he learned about setting good habits, breaking bad ones, and developing environments and systems conducive to productive habits. As James says, the things you do and accomplish in life are essentially lagged indicators of your habits. So building good habits slowly, methodically, and thoughtfully can result in big rewards down the road.
info_outline Dear College Student 07/19/2021
Dear College Student Are you a college student, or about to go to college? It's an exciting time of your life, but it can also be a very expensive time of your life too. It's possible to keep your spending under control, and have a lot of fun, but you're going to need a budget.
info_outline Hannah Cole: Simplifying Taxes for Artists and Creative Professionals 07/14/2021
Hannah Cole: Simplifying Taxes for Artists and Creative Professionals Artist and tax professional Hannah Cole has a burning passion -- seeing art get made. And one thing she hates to see is artists being held back by money problems. After establishing herself as an artist in New York City, Hannah landed a job working for a design agency. There she learned she had a talent for communicating with both the creatives and management. Hannah went on to become a tax professional and open a tax service specializing in helping artists, creatives, and freelancers.
info_outline A New Way to Pay for College? David Stackpole's Unique Strategy 07/07/2021
A New Way to Pay for College? David Stackpole's Unique Strategy David Stackpole, wealth manager and Certified Financial Analyst (among other titles), joins the podcast to discuss his strategy for paying for the ever-growing cost of college. David points out that college tuition has increased nearly 1,400% since the 1970's, which amounts to a 6.4% annual inflation rate. With costs rising so dramatically and so steadily, many parents find it difficult to save enough for their children's college education. David has a unique strategy for dealing with this problem, however.
info_outline EP09 Money Stories: Carol Kissinger Was "Bad At Money," Until She Found YNAB 07/05/2021
EP09 Money Stories: Carol Kissinger Was "Bad At Money," Until She Found YNAB In today's money story, Carol Kissinger tells her story of discovering YNAB after moving from America to Berlin. She had never been good with money, was indebted to her parents for years, and frequently argued with her husband about money. Moving to Berlin put new stress on her bank account, until she discovered YNAB. The Four Rules helped her put a simple framework around money and clarify what it was she was spending on.