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 Ask Jesse: How Do You Budget After Retirement? 01/24/2022
Ask Jesse: How Do You Budget After Retirement? Jesse answers a listener question about budgeting after retirement, in particular when you are living off your retirement savings and not yet drawing on Social Security. Join the More Money Challenge: Sign up for a free 34-day trial of YNAB at
info_outline Real Estate 101 with Scott Trench (BiggerPockets) 01/17/2022
Real Estate 101 with Scott Trench (BiggerPockets) Jesse chats with Scott Trench, CEO of BiggerPockets and a real estate investor, about how people can get started with real estate investing and build more wealth. Scott started his working career like many business college graduates, working at a large company as a financial analyst. From there, Scott became interested in using real estate to build his personal wealth and reach financial independence earlier in life.
info_outline The Organized Wallet with Ashley from TikTok 01/10/2022
The Organized Wallet with Ashley from TikTok Jesse chats with Ashley, of TikTok fame (The Organized Wallet), about her journey finding the budgeting software through a chance blogpost to finally gaining control of her money after years of struggle. One of Ashley's keys to success is mindfulness, and she has some great exercises for improving your mindfulness around money.
info_outline Take the More Money Challenge with Veronica 01/03/2022
Take the More Money Challenge with Veronica Happy New Year! It's that time again -- time for planning, goal setting, and resolutions. If you're listening to this podcast, one of your New Year's resolutions might be to save more money. YNAB can help you with that!
info_outline Budget Burndown Revisited: How to Set and Reach Your 2022 Financial Goals 12/27/2021
Budget Burndown Revisited: How to Set and Reach Your 2022 Financial Goals It's that time of year again... time to burn it all down! The budget, that is. Every year Jesse "burns down" his budget, deleting all the categories and questioning whether the family could live without them. It's a fun thought experiment, especially with the typical must-have things.
info_outline EP13 Money Stories: Jak and Chelsea Tackle ADHD... with YNAB 12/20/2021
EP13 Money Stories: Jak and Chelsea Tackle ADHD... with YNAB Millions of people struggle with ADHD, and it has financial ramifications -- decision fatigue, difficulty planning future purchases, and impulsive spending habits. Jak is a coach for "ADHD'ers," as she calls them, helping people form strategies for coping with emotional highs and lows and gain control over their money. Chelsea is an intuitive eating coach, and a fellow ADHD'er. Together they discovered YNAB, and joined the podcast to share its helpfulness with others suffering from ADHD.
info_outline Celebrating Your Biggest Wins in 2021 12/13/2021
Celebrating Your Biggest Wins in 2021 We're nearly to the end of 2021, so Jesse took a moment to celebrate all of your biggest budgeting wins this year. To all the YNAB users who accomplished your goals and improved your financial standing -- no matter how big or how small -- congratulations! Here's to another year of budgeting wins, breaking the paycheck to paycheck cycle, and reduced stress.
info_outline Ask Jesse: How Do I Get Back on the Budget Bandwagon? 12/06/2021
Ask Jesse: How Do I Get Back on the Budget Bandwagon? A listener asks -- what can I do to get my budget back on track after falling off the wagon?
info_outline Meet the Chief of Side Hustles: Nick Loper 12/01/2021
Meet the Chief of Side Hustles: Nick Loper Jesse chats with the Chief Hustler of side hustles, Nick Loper. Nick has made a living out of side hustles, literally! A serial entrepreneur, Nick started a number of small businesses and side hustles before writing books about his experience and teaching others how to start their own side hustles. He is also an author, with a new book out: $1,000 100 Ways.
info_outline Ask Jesse: How to Launder Money... for Christmas?! 11/29/2021
Ask Jesse: How to Launder Money... for Christmas?! Jesse answers a reader trying to save for a surprise Christmas present for his significant other, but also trying to be faithful to his YNAB budget. Jesse shares a few tricks and some "creative accounting" within YNAB to help you save up for Christmas gifts without spoiling the surprise or the budget.
info_outline Don't Afterpay Your Way Though the Holidays 11/24/2021
Don't Afterpay Your Way Though the Holidays Watch out credit cards, a new game is in town, and it's waiting to trip up your budget during the holiday season. We're talking about payment plans: sort of like a credit card, sort of not, but definitely loaded with high interest, fees, and confusing terms designed to trip up customers. Sofia Hergenrader, a YNAB expert on payment plans, joins the podcast to talk about the pitfalls of this new breed of financial products.
info_outline Ask Jesse: Living Right And It's Not Fair 11/22/2021
Ask Jesse: Living Right And It's Not Fair Jesse answers a concerned parent emailing about their son's college experience. After raising a thoughtful and budget minded son who paid for his first semester of college by working a series of jobs during high school, the parent was dismayed by the extravagant lifestyle and expenses of his classmates. Nevertheless, Jesse reminds the listener that the gifts of budgeting, responsibility, and good planning pay off in the long run far more than ephemeral luxuries.
info_outline Adapt or Die 11/17/2021
Adapt or Die Of the Four Rules, is one more important than the others? Is there one rule to rule them all? In the past, Jesse has argued that rules 2-4 are essentially derivatives of Rule One. But perhaps there's another contender -- Rule Three: Roll with the Punches. Life is all about rolling with the punches, adapting to ever-changing stresses and forces in our environments. Budgeting, Jesse argues, is no different.
info_outline Ask Jesse: Should I Sell My Crypto to Pay Off Debt? 11/15/2021
Ask Jesse: Should I Sell My Crypto to Pay Off Debt? Jesse answers an email from a listener wondering, should he sell his cryptocurrency in order to pay off his debt?
info_outline Growth After Trauma: Krista St. Germain from The Widowed Mom Podcast 11/10/2021
Growth After Trauma: Krista St. Germain from The Widowed Mom Podcast Jesse chats with life coach and podcaster Krista St. Germain, a widowed mother who had to work through waves of grief after her husband unexpectedly passed away five years ago. Krista discusses her journey moving through grief, learning to rewrite the narratives of her guilt, and finding a path to grow after such a traumatic experience.
info_outline EP12 Money Stories: Njeri Young Asks "How Do You Want Your Money to Treat You?" 11/08/2021
EP12 Money Stories: Njeri Young Asks "How Do You Want Your Money to Treat You?" Njeri Young is an avid YNAB user, but she didn't start out that way. In fact, it took her years of stops and starts before she finally gained control over her dollars, learned how to budget, and build a healthy relationship with money. Although some people on the internet make it look easy, Njeri's experience is common, and she has learned many valuable lessons along her journey.
info_outline 18 Summers: Jim and Jamie Sheils on Building Stronger Families 11/03/2021
18 Summers: Jim and Jamie Sheils on Building Stronger Families Jim and Jamie Sheils make a sobering, but important, observation -- we only have 18 summers to spend with our children before they become adults and move off to start their own lives. Jesse chats with Jim and Jamie about how we can spend more time with our children, be more present in our relationships, and manage the most precious and scarce resource of them all: time.
info_outline Money Story EP11: Chris Wilson on Simplifying Your Why 11/01/2021
Money Story EP11: Chris Wilson on Simplifying Your Why Jesse chats with avid YNAB'er Chris Wilson, who turned around a stressful and unfulfilling life by applying YNAB's Four Rules to his budget, and then to his life. Chris explains that the key to his transformation was learning to "simplify his why," and get clear about his values and priorities.
info_outline Throw Away Your To-Do List: Tanya Dalton On Purpose 10/27/2021
Throw Away Your To-Do List: Tanya Dalton On Purpose Tanya Dalton is passionate about helping women take charge of their schedules and get more done. But it's not just about checking things off the list, she says, it's about giving your tasks priorities and allocating your time to the most important things. And just because something is urgent, doesn't necessarily mean it's important! Tanya Dalton shares strategies from her book "On Purpose" for getting more done, and feeling more in charge of your life.
info_outline The Spectrum of Wealth 10/25/2021
The Spectrum of Wealth Inspired by the ideas in Morgan Housel's book The Psychology of Money, Jesse discusses the meaning of the word "wealth," and how we define wealth in our own lives. Is it just about money in the bank, or is it about our physical health too? Or family health, or liking our job, or having options in life? It turns out, wealth can mean many different things, and perhaps it's best to look at wealth as a spectrum rather than simply a pile of money in the bank.
info_outline Your Cash Is Your Strategy (Rebroadcast from Beginning Balance) 10/20/2021
Your Cash Is Your Strategy (Rebroadcast from Beginning Balance) Did you know Jesse has another podcast all about business? He and veteran YNAB'er and virtual CFO Mark Butler have launched Beginning Balance to talk about the lessons they've learned consulting with other businesses as well as managing their own businesses. In today's episode, we are rebroadcasting an episode of Beginning Balance which looks at how applying Rule One -- Give Every Dollar a Job -- to a business can actually help improve its strategy.
info_outline Once Again, The Holidays are Upon Us 10/18/2021
Once Again, The Holidays are Upon Us When did that happen? It seems like the year was just getting started, and all of a sudden it's mid-October. The holidays are coming soon -- have you been creating space in your budget for your holiday spending? If not, it's not too late! There's still time to set some cash aside in your holiday spending category, plan your expenses carefully, and make some choices about your travel plans and gift giving this year.
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.