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 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.
info_outline How to Be a Financial Grownup with Bobbi Rebell 06/30/2021
How to Be a Financial Grownup with Bobbi Rebell Personal finance journalist, news anchor, Certified Financial Planner, and now author, Bobbi Rebell explains what it means to be a "financial grownup." The essential part of being grown-up with your finances is realizing that it's no one else's responsibility to make a budget, put money in your retirement account, or educate yourself about financial terms and concepts. It's all up to you! Luckily, there is a wealth of easily accessible information that you can learn from, including Bobbi's own podcast.
info_outline EP08 Money Stories: Ivan & Daniel Budget for the High Income Earner 06/23/2021
EP08 Money Stories: Ivan & Daniel Budget for the High Income Earner Jesse chats with two people that are passionate about personal finance and share a common trait: they are high income earners. YNAB doesn't often talk about people earning high incomes, but contrary to popular belief, earning a lot of money does NOT mean you don't need to budget! As Ivan Smirnov and Daniel Chen attest, high incomes often come with high cost of living areas, where housing costs can run well into the 7 figures for homes or multiple thousands for rent. High income can also come with lifestyle inflation, as well as debt from post-graduate student loans and professional programs. Both of these things (and much more) can be managed with an effective budget, and Ivan and Daniel share their tips in keeping their costs under control and managing their investments using YNAB. Ivan Smirnov is a software engineer at Google, and he loves to share his personal finance journey and YNAB power tips with friends and co-workers. He writes occasionally for a couple blogs: Daniel Chen is a former Big 4 accountant, personal finance entrepreneur, and currently the Head of Business Development at a personal finance educational startup Brightside. You can find Daniel on twitter: YNAB for Good:
info_outline After Years of Experiments, Jesse Does the Unthinkable 06/21/2021
After Years of Experiments, Jesse Does the Unthinkable After years of experimenting with his budget and budgeting process, Jesse decided to do the unthinkable in 2020. He went an entire year *without* a budget!
info_outline Jean Chatzky: Helping Women Find Security in Money 06/16/2021
Jean Chatzky: Helping Women Find Security in Money Jean Chatzky, long-time personal finance writer and correspondent for The Today Show, CNN, MSNBC and other high-profile shows, joins the podcast to discuss the unique issues women face in their financial lives. She has recently written a book about her research and experience working with women on improving their financial security, and she runs a website dedicated to educating and coaching women in financial matters called Her Money.
info_outline Well, Here We Are... 06/09/2021
Well, Here We Are... Jesse celebrates -- can you believe it?! -- the 500th episode of the You Need a Budget podcast. Nearly 10 years ago, Jesse started this podcast as an experiment. Over the years the mics have been upgraded, the acoustics have gotten better, but the message has remained the same: follow the Four Rules, and make your dollars work for you and your priorities.
info_outline Closing the College Gap: Steve Colon (CEO, Bottom Line) 06/07/2021
Closing the College Gap: Steve Colon (CEO, Bottom Line) Jesse interviews Steve Colon, CEO of Bottom Line, an organization that helps students of color navigate the complex, time-consuming, and high stakes college admissions process. Bottom Line doesn't stop with admissions, either. Through their unique DEAL rubric, they help each student set a plan to graduate within six years, with minimal debt, and find high quality jobs. They meet regularly with students, to provide a network of support and ensure students can meet their goals and graduate on time.
info_outline Introducing Beginning Balance: A Show About Small Business 06/02/2021
Introducing Beginning Balance: A Show About Small Business Today Jesse gives a sneak peak at a new show launching on the YNAB podcast network -- Beginning Balance. Together with his friend and business mentor Mark Butler, a virtual CFO and business expert, they explore the financial issues of small businesses and how to solve them. This is the first episode of Beginning Balance, which will begin airing weekly on Fridays.
info_outline Get Your S*** Together: End of Life Planning with Chanel Reynolds 05/31/2021
Get Your S*** Together: End of Life Planning with Chanel Reynolds Jesse chats with Chanel Reynolds, author of What Matters Most and founder of the Get Your Shit Together website, dedicated to helping people navigate the confusing, difficult, and emotional aspects of end-of-life planning. In 2009 Chanel's husband was killed in a road cycling accident, and she found herself, very suddenly, a widow, a single parent, and overwhelmed dealing with the many medical, legal, and family issues that death brings with it.
info_outline Rebroadcast -- Work Party: Take Control of Your Finances and Cultivate Confidence Around Money with Jesse Mecham 05/26/2021
Rebroadcast -- Work Party: Take Control of Your Finances and Cultivate Confidence Around Money with Jesse Mecham Today Jesse is sharing an interview he did with Jaclyn Johnson of the Work Party podcast for her Budget Broadcast Series. Jesse talks about the early days of YNAB, how to get serious with your side hustles, and explains the Four Rules to a new audience.
info_outline Meet the Woman Who Paid Off $490k in Debt: Sami Womack 05/24/2021
Meet the Woman Who Paid Off $490k in Debt: Sami Womack Jesse chats with Sami Womack, who paid off nearly half a million dollars of debt after hitting financial rock bottom during the birth of her first child. Stuck in a different city on business travel, her husband almost missed a flight home to be at the birth... because they had maxed out all their credit cards, and the last minute ticket was $800.
info_outline Identity Crisis? How About Identity Shift with Anthony Trucks 05/19/2021
Identity Crisis? How About Identity Shift with Anthony Trucks Former NFL athlete, husband, father, and coach -- a man of many identities you might say -- Anthony Trucks joins the podcast to talk about how what's holding you back from reaching your goals might just be an identity problem. Anthony runs a coaching program call Make Shift Happen where he helps people to make consistent action toward their goals in 90 days.
info_outline EP07 Money Stories: Student Debt? No Problem. Staying Positive During Debt Paydown with Abbie Shepherd 05/12/2021
EP07 Money Stories: Student Debt? No Problem. Staying Positive During Debt Paydown with Abbie Shepherd In today's episode of Money Stories, Jesse chats with Abbie Shepherd, a clinical psychologist who recently earned her PhD and is working her first real job after her long journey in higher education. Most people understand that earning a PhD takes a lot of academic rigor, but few realize that it is very taxing on the budget as well.
info_outline Taking Action on Your Ideas with Noah Kagan 05/10/2021
Taking Action on Your Ideas with Noah Kagan Jesse chats with marketer and entrepreneur Noah Kagan, former Director of Marketing at Mint, former Facebook employee, and currently the owner of AppSumo, a daily deals website which offers entrepreneurs discounted software from top software companies. In a sprawling conversation, they touch on the critical importance of taking action on your ideas in business, determining why you want money in the first place, setting one-year gameplans, and more.
info_outline YNAB and the Vocabulary of Finance 05/05/2021
YNAB and the Vocabulary of Finance Assets? Liabilities? Balance sheet? FBI's? What does it all mean? Jesse helps you understand some of the basic financial terms that come up often in YNAB, as well as some YNAB-specific lingo related to the software and the budgeting process.
info_outline Budgeting for a Baby with Chelsea Brennan (Smart Money Mamas) 04/28/2021
Budgeting for a Baby with Chelsea Brennan (Smart Money Mamas) While there's no way to prepare for being a parent without actually becoming a parent, you can prepare financially for the experience. Chelsea Brennan shares some tips on how to do this, and what kind of difficult conversations you need to have with your spouse and family as part of the process.
info_outline Set Boundaries, Get More Done with Jeff Sanders (5AM Miracle Podcast) 04/21/2021
Set Boundaries, Get More Done with Jeff Sanders (5AM Miracle Podcast) Jesse chats with productivity master Jeff Sanders, host of the 5AM Miracle podcast. As the title of his podcast suggests, Jeff loves to wake up early, but he doesn't necessarily think you should. Instead, Jeff focuses on setting clear boundaries around your work time, family time, and personal development time (especially physical fitness).
info_outline EP06 Money Stories: How YNAB Saved Erika from Drowning In Debt 04/19/2021
EP06 Money Stories: How YNAB Saved Erika from Drowning In Debt In today's money story, Jesse chats with Erika, a 32 year old married woman who found herself struggling in the deep end of credit card debt. Until YNAB, Erika always managed her money with her bank statements -- if there was enough for her current outflows, good! There wasn't much of a plan or cushion for surprises, however.