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 Own the Muddy Parts of Your Story with Mary Marantz 04/14/2021
Own the Muddy Parts of Your Story with Mary Marantz Jesse chats with author Mary Marantz about her book Dirt, the story of her life journey growing up in poor, rural West Virginia to eventually attending Yale Law. Mary grew up with a strong, hard working father who instilled in her a vigorous work ethic and a love for her hometown. Dirt is the story of Mary reckoning with the good and bad of her upbringing, and how it shaped her into the woman she is today.
info_outline Student Loans Are Frozen, But You Are Not 04/12/2021
Student Loans Are Frozen, But You Are Not Student loan payments have been frozen for several months due to COVID-19, but that doesn't mean your budget has to be frozen. Jesse strategizes ways for you to address student loans during the grace period.
info_outline How Does She Do It? Managing Time in a Busy Life | Laura Vanderkam & Sarah Hart-Unger 04/07/2021
How Does She Do It? Managing Time in a Busy Life | Laura Vanderkam & Sarah Hart-Unger Jesse chats with Laura Vanderkam and Sarah Hart-Unger, two time management experts and the hosts of the Best of Both Worlds Podcast, a show all about balancing busy lives and careers. Sarah is a pediatric endocrinologist while Laura is a writer (and author of I Know How She Does It), and both of them are also busy mothers. While they approach the challenges of time management with different strategies, they are both experts in making things fit in a busy life without getting burned out.
info_outline How to Go From Two Incomes to One 04/05/2021
How to Go From Two Incomes to One Whether it's because of changing careers, preparing for a child, or some other life event, you and your partner may need to downsize from two incomes to one. This has a major impact to your budget! But, with some planning, you can make a smooth transition. The easiest way, Jesse says, is to live on a single income before actually losing the second income.
info_outline What Does College Really Cost? Ron Lieber Explains 03/31/2021
What Does College Really Cost? Ron Lieber Explains New York Times columnist and bestselling author Ron Lieber joins the podcast for a frank discussion about the ever rising cost of college and whether it's even a good idea for young people today. Evaluating the true cost of college, as it turns out, is essentially a budgeting exercise. There's the sticker price for tuition and room and board, but the real analysis lies in examining the hidden costs, as well as the hidden benefits. Ron Lieber helps us break those down and demystify the college problem.
info_outline How to Time a Home Purchase 03/29/2021
How to Time a Home Purchase Buying a house is a stressful experience, especially in the current market where low supply and high demand have pushed prices up and up. Naturally, house shoppers worry about overpaying for a house, or whether they've overpaid for a house they've already bought. We'd all like to perfectly time the market and buy at the lowest possible point, but it's very difficult to do.
info_outline Budgeting and... Nutrition? How The Four Rules Can Improve Your Eating Habits with Kali Langevin 03/24/2021
Budgeting and... Nutrition? How The Four Rules Can Improve Your Eating Habits with Kali Langevin What does budgeting have to do with nutrition? A lot, actually, explains Kali Langevin, a nutritionist and Registered Dietitian who has spent 16 years working with athletes in United States Soccer Federation. Kali is also a long time YNAB user, and joins the podcast to explain how the Four Rules can be applied to nutrition.
info_outline EP05 Money Stories: From $30k Debt to "CoastFI" with Diania Merriam 03/22/2021
EP05 Money Stories: From $30k Debt to "CoastFI" with Diania Merriam This week's Money Story comes from the vivacious Diania Merriam, founder of the EconoMe Conference which brings together speakers in the FIRE movement (Financial Independence, Retire Early). After finding herself working for a decent salary in NYC but falling deeper into debt, Diania decided to pull her head out of the financial sand and figure out where her finances stood. Around the same time, a friend introduced her to the Mr. Money Mustache blog and the concept of FIRE.
info_outline The ONE Thing Keeping You from Reaching Your Goals with Geoff Woods 03/17/2021
The ONE Thing Keeping You from Reaching Your Goals with Geoff Woods Jesse chats with Geoff Woods, President of ProduKtive, the training company behind the bestselling book The ONE Thing by Gary Keller and Jay Papasan. After leaving a high-stress and ultimately unfulfilling job in medical device sales, Geoff set out to surround himself with successful mentors. He immersed himself in the philosophy of the "one thing," the concept of relentlessly pursuing the single most impactful thing you can do in your day, and arranging your schedule to accomplish that thing first.
info_outline Optimizing Your Car Budget... Not Really 03/15/2021
Optimizing Your Car Budget... Not Really Jesse attempts to give some advice on purchasing a car... before admitting that he has no advice to give! Well, maybe a bit of advice. Jesse reminds us that optimizing your budget involves optimizing for YOUR needs and wants. Jesse chooses to lease a Tesla to drive around in, because he wanted to have as little headaches with car maintenance as possible. That's important to him today, but ten years ago his needs and wants were totally different!
info_outline Know Your Enneagram, Know Yourself with Ian Morgan Cron 03/10/2021
Know Your Enneagram, Know Yourself with Ian Morgan Cron Bestselling author Ian Morgan Cron introduces the Enneagram, a personality typing system which identifies nine different personality types, their motivations, strengths, and weaknesses. As Ian explains, understanding your enneagram can help you better understand your motivations for why you want to do the things you do, which has direct implications in budgeting.
info_outline House Hacking, Individual Stock Picking, & More with Investor Robert Leonard 03/03/2021
House Hacking, Individual Stock Picking, & More with Investor Robert Leonard Robert Leonard has been a uniquely driven person since a young age. Eyeing the professional ranks of motocross at age 14 (the minimum age to turn pro was 16), he competed all over the country. When his father discouraged his going pro, Robert started working various jobs and reading about investing. By the time he graduated college, he had already purchased his first piece of real estate and began "house hacking" -- leasing spare rooms to roommates to generate cash flow to cover the mortgage.
info_outline EP04 Money Stories: How YNAB Brought Sita Peace of Mind... and Peace in Life 03/01/2021
EP04 Money Stories: How YNAB Brought Sita Peace of Mind... and Peace in Life Sita Thomas is a woman of many talents, and many careers, having worked jobs ranging from massage therapy to data analytics. She has been using YNAB for over 8 years to help her reach her goals, including going back to school and making a career change, taking time off work to care for a terminally ill family member, and removing the day to day stresses of money from her life.
info_outline How to Find Passion in Your Work with Kelsey Murphy 02/24/2021
How to Find Passion in Your Work with Kelsey Murphy Jesse chats with professional coach and business strategist Kelsey Murphy about how she left a high profile -- yet unsatisfying -- corporate job to travel the world with her husband. During their travels Kelsey realized she had a gift for coaching and helping others put their visions and dreams into practice. Today she runs a successful coaching business doing just that.
info_outline Jesse Answers Your Questions: Small Business Q&A #1 02/22/2021
Jesse Answers Your Questions: Small Business Q&A #1 Jesse answers your questions about small business in Q&A format.
info_outline How to Have the Most Productive Year Ever with Amir Salihefendic (Doist) 02/17/2021
How to Have the Most Productive Year Ever with Amir Salihefendic (Doist) Jesse chats with Amir Salihefindic, CEO of Doist, the company behind the popular productivity tool Todoist. Between running a company and being a father, Amir has a very busy life. He explains how he keeps everything moving smoothly, including the importance of managing your energy throughout the day, not just your schedule.
info_outline How to Get a Job at YNAB with Emma Rolls 02/15/2021
How to Get a Job at YNAB with Emma Rolls Jesse chats with YNAB's manager of support hiring, Emma Rolls, about what it takes to get hired at YNAB, what type of person fits in with the company culture, and Emma's personal experience learning about YNAB and getting hired.
info_outline Four Common Traits of People Who Aren't Stressed About Money 02/08/2021
Four Common Traits of People Who Aren't Stressed About Money Jesse identifies four common traits in people who don't stress about money.
info_outline Budgeting Your Technology with Corbett Barr 02/01/2021
Budgeting Your Technology with Corbett Barr Writer and entrepreneur Corbett Barr joins the podcast to discuss digital mindfulness, the pitfalls of social media and endless digital content, and his own quest to find peace as a digital creative.
info_outline What Does Strength Have to Do with Budgeting? Matt Reynolds (Barbell Logic Online Coaching) 01/25/2021
What Does Strength Have to Do with Budgeting? Matt Reynolds (Barbell Logic Online Coaching) Jesse interviews strength coach, former pro Strongman, and founder of Barbell Logic Online Coaching, Matt Reynolds, about the many analogs between strength training and budgeting.
info_outline Sprinting Is Hard, But the Payoff Is Sweet 01/18/2021
Sprinting Is Hard, But the Payoff Is Sweet If you've been doing the 34-Day Reset, you're in full sprint mode right now. And it might be tough! But the beauty of the reset is that it's just 34 days, and affords you some space to reflect on whether your money is working for you and helping you achieve your goals and values.
info_outline EP03 Money Stories: Katie Is Living the Hawaiian Dream... On a Budget 01/14/2021
EP03 Money Stories: Katie Is Living the Hawaiian Dream... On a Budget Jesse interviews Katie about her journey after college to Hawaii, where she went through a tough breakup and financially tenuous times. She persevered through those hard times, discovered YNAB (actually re-discovered, having first encountered YNAB in college) and began to get her budget back on track in a notoriously expensive state. The hard work paid off; Katie met her husband and was able to have a dream wedding in Hawaii, and the couple now enjoy a rich life... paid in cash!
info_outline EP02 Money Stories: Liz Finds Financial Freedom through Tik Tok 01/07/2021
EP02 Money Stories: Liz Finds Financial Freedom through Tik Tok Jesse talks with YNAB'er Liz about her recent conversion to the YNAB software, which she discovered through the social media network Tik Tok. In just six months with YNAB, Liz has already reversed her financial situation, paid off debt, and created financial security for her family.
info_outline This Is Why You Can't Get Out of Debt 01/04/2021
This Is Why You Can't Get Out of Debt Just like weight loss, there are some people who manage to pay off their debt through a burst of willpower and concerted effort... only to fall into debt again, usually slowly. Jesse points out that often this is a failure to follow Rule Two (Embracing Your True Expenses), and discusses how you can prevent slipping into old habits in the New Year.
info_outline EP01 Money Stories: Trish Answers - How Far Would You Go to Pay Off Debt? 12/31/2020
EP01 Money Stories: Trish Answers - How Far Would You Go to Pay Off Debt? YNAB is bringing back the Debt Stories... but this time we're calling it "Money Stories." In this series, Jesse interviews YNAB users about their incredible stories using YNAB to pay off debt, plan for life, build their savings, and more. In this episode, Jesse interviews 34-year old nurse Trish. Though very hard working and driven to succeed, Trish found herself in $50,000 of debt despite working multiple jobs.
info_outline Join Me In a 34-Day Reset 12/28/2020
Join Me In a 34-Day Reset Jesse issues a New Years' challenge for YNAB'ers. For the next 34 days, abide by just three rules: 1.) Write down every single thing you spend money on. You can do this in YNAB, or on a sheet of paper, but it must include every penny spent! 2.) Purchase ONLY essentials. Essential means you must have it to live. 3.) Do not eat out, or order take-in from restaurants. No restaurant spending, full stop. It's only 34 days, you can do it!
info_outline Remembering What We Remember 12/21/2020
Remembering What We Remember Jesse reflects on budgeting for the Christmas season. While YNAB is all for getting your savings in order so that you can cash flow your Christmas spending without going into debt, the holiday season is about much more than presents. Recalling his childhood, Jesse can't actually remember much about the gifts he received. What he does remember is the time he spent with family, and the memories he made with them.
info_outline Terry Bickmore: Advice for the First-Time Homebuyer 12/14/2020
Terry Bickmore: Advice for the First-Time Homebuyer Jesse interviews his friend and realtor Terry Bickmore about Terry's introduction to YNAB and how it helped transform his business and personal life. Terry offers some advice for first-time homebuyers, based on YNAB's Four Rules.