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PODCAST

The Jesse Mecham Show

Money shouldn"t be this hard - and it isn"t! Join YNAB founder Jesse Mecham each week as he dives into spendfulness, a mindset that will help you stop second-guessing, spend more confidently, and live the life you want.

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All Episodes

13:16

Rules Changes: A Quick Trip Through YNAB History

The Jesse Mecham Show ·

2023/07/31

Did you know that YNAB's Four Rules weren't always four? And contrary to popular belief, they did not spring forth from Jesse's head fully formed! No, the Four Rules developed over years as Jesse refined and clarified the YNAB method behind the software (and originally, the spreadsheet). Ben and Ernie take a quick spin through the history of the Four Rules, going all the way back to the very first YNAB website in 2004. Budget Nerds Episode #50: A Brief History of the YNAB Rules Apple Podcasts

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09:56

How to Talk to Your Partner About Budgeting

The Jesse Mecham Show ·

2023/07/24

Ben and Ernie share their personal experiences talking to their partners about budgeting and YNAB. Every family is different, and every partnership will handle communicating about money and budgeting differently, but the important thing is that you do it! Frequent, regular money conversations help everyone stay on the same page and focused on the same goals, whether one person manages all the YNAB details or each person shares equally in that task. Got a question for Jesse? Send him an email:

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06:28

Managing Vacation Transactions

The Jesse Mecham Show ·

2023/07/17

It's peak vacation season, so Ben and Ernie are comparing notes on handling the vacation budget in the moment. One the one hand, you want vacation to be vacation -- a time to unplug, be in the present moment, engaged with your family and friends. On the other hand, waiting until the end of the trip to categorize all your transactions can be overwhelming! Ben and Ernie share their approach to managing the transaction log without going crazy or burying your face in your phone the whole trip. Got a

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06:12

How Often Should You Reconcile?

The Jesse Mecham Show ·

2023/07/10

Reconcile your budget, that is! Ben and Ernie discuss their budget reconciliation habits, and make a case for why you should reconcile every day, especially if you are new to YNAB. Got a question for Jesse? Send him an email: askjesse@ynab.com Follow Ben and Ernie on the Budget Nerds Podcast Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345 Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6 Sign up for a free 34-day trial of YNAB at

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07:39

Leaving Margin for Life

The Jesse Mecham Show ·

2023/07/03

Ben and Ernie share a tip for making the budget feels a little less constricting -- leave a little margin in your categories! This is not an emergency fund, Ben says, but a way to give yourself some flexibility and fun. Got a question for Jesse? Send him an email: askjesse@ynab.com Follow Ben and Ernie on the Budget Nerds Podcast Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345 Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6 Sign up for

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05:51

One Easy Trick to Boost Your Retirement Savings

The Jesse Mecham Show ·

2023/06/26

We all know we need to save for retirement, but it can feel a long ways away. Savings can always wait while you deal with something more urgent, it seems, until all of a sudden retirement starts staring you in the face! The most important factors in saving for retirement are starting early, and consistency, Ernie reminds us. How do you create consistency? There's an easy trick. If you're not yet, start contributing something -- anything! -- to your retirement accounts now. That amount will be some

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09:28

This Question Doesn't Have to Be Scary: Can I Afford...

The Jesse Mecham Show ·

2023/06/19

Ben and Ernie ask a question that strikes fear into those who don't budget (and sometimes to those who do): can I afford this? At least for YNAB'ers, this question isn't about whether you have the dollars and cents in your bank account to make the purchase, it's about your emotion, how you feel about buying the thing in question versus something else. As Ben explains, it's about opportunity cost, and luckily YNAB is very good at helping you understand opportunity costs with your money. We want to

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10:06

A Different Take on Credit Cards

The Jesse Mecham Show ·

2023/06/12

Ben and Ernie tackle the big credit card question (should you use them?) that Jesse has been wrestling with this year, with a slightly different take. Ben, of course, does not use credit cards as he shared with Jesse in episode #621. Ernie, on the other hand, has done it both ways, cutting up the credit card during times of his life where he was busy paying down debt, and now using it judiciously to accrue travel points that he can use on family vacations. We want to hear your YNAB stories! Please

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06:38

Paying Off Debt the Sustainable Way

The Jesse Mecham Show ·

2023/06/05

Jesse is taking a break for the summer, so Ben and Ernie (from the Budget Nerds podcast) are stepping in to guest host. Today, they talk about paying off debt... sustainably! So many personal finance resources urge people to pay off debt as soon as they can, and white knuckle their way toward financial freedom. While this can work for short periods of time, for many people paying off debt is a marathon, not a sprint, and white-knuckling has many pitfalls. For one, when you're throwing every

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09:11

Rule Four Reviewed

The Jesse Mecham Show ·

2023/05/29

Beef is pretty good aged, but you know what's even better? Aging your money! That's Rule Four -- aging your money. Basically, increase the amount of time between when you earn the money and when you spend it. By following Rule One through Three, you can accumulate cash in your categories and pre-fund future expenses, thereby increasing your options. When you have a lot of cash available, you have options for handling unexpected expenses, taking advantages of opportunities (which require

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05:31

Rule Three Reviewed

The Jesse Mecham Show ·

2023/05/22

Be like the reed... blowing in the wind. It's not a haiku, Jesse is talking about Rule Three -- rolling with the punches. Life happens, and unexpected things are going to pop up that could break the budget. When you roll with the punches however, you check the budget, find the money for the unexpected expense in another category, and fund the expense by moving money from that category. The key here is that you check the budget and find the money first! You don't simply spend the money and try to

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08:07

Rule Two Reviewed

The Jesse Mecham Show ·

2023/05/15

It's back to basics time! Rule Two in the YNAB method is "embrace your future expenses." In short, think about the things you will have to buy or pay for in the future, and act on them NOW. Car going to need new tires in six months? Don't wait till they need replacing to budget for them, start budgeting now! Save a portion of the replacement cost each month until you've reached the replacement cost for those tires. Really Rule Two is Rule One again, give every dollar a job. You're giving your

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04:33

Rule One Reviewed

The Jesse Mecham Show ·

2023/05/08

Jesse is going back to basics and reviewing the Four Rules, which are the foundation of YNAB. The first rule: give every dollar a job. What does that mean exactly? YNAB wants you to live and spend according to your values and priorities -- the things that are most important to you. In order to do that, you first have to start giving your dollars jobs that are in line with your priorities. That's the heart of Rule One. Got a question for Jesse? Send him an email: askjesse@ynab.com Sign up for a

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04:22

A Mother's Method for Living Well (Contest...

The Jesse Mecham Show ·

2023/05/01

At a recent YNAB all-hands meeting, Sarah gave a personal presentation about her "Mama's Method," rules her mother gave her for living well. Sarah told them in YNAB Four Rules style: Give every moment a job Embrace yourself and others Roll with it Age is just a number (play a lot!) In honor of Sarah's presentation, and upcoming Mother's Day, YNAB wants to hear from you! YNAB is running a contest between now and May 11th. The contest is simple: share your mother's method to living well, in the

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05:02

What's In Your Financial Shovel of Dirt?

The Jesse Mecham Show ·

2023/04/24

Jesse shares a story about growing sweet potatoes and shoveling dirt... lots and lots of dirt. There's a metaphor here about budgeting too. It's work, and sometimes takes a long time to pay off. But steady, sustainable work day after day yields big results! Got a question for Jesse? Send him an email: askjesse@ynab.com Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

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06:47

Giving Future You A Bit More Negotiation Ammo

The Jesse Mecham Show ·

2023/04/17

Jesse shares a trick for improving your Rule Two planning (Embrace Your True Expenses), and better prepare for the next unexpected expense. Jesse suggests pulling your last six months of bank statements, and quickly scanning them for large expenditures. Look at the number of digits, and flag the transactions that have a large number of digits (to you). This should only take a few minutes. Note the payee. This exercise is the first place to look when planning for future unexpected expenses. Did you

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07:15

Paid In Full, But Always in Debt

The Jesse Mecham Show ·

2023/04/10

Jesse continues his rant about exploration of credit card use, observing that "paid in full" users are, technically, always in debt. Paid in full users are people who have the cash at any moment to pay off their credit card balance in full, but choose to pay off the balance before the next billing cycle. While they do pay off the balance regularly (monthly, or weekly, maybe even daily), and thus never incur interest, they are in debt until the moment they pay off the balance. And of course, after

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34:22

Jesse Chats with a Guy Who Has Never Used a Credit Card

The Jesse Mecham Show ·

2023/04/03

Jesse talks with a man who has never used a credit card -- YNAB's own Ben Barlowe, who you may also recognize from the Budget Nerds podcast. Ben is 34 years old, has four children, a house (purchase with a mortgage), and a busy life! Believe it or not, he has been able to navigate life without ever having used a credit card. Ben discusses the reasoning behind his personal decision to not use credit cards, how he obtained a mortgage with no credit score, and how he manages day to day expenses such

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10:55

Ask Jesse: Talk Slower, Pay Down Debt Faster

The Jesse Mecham Show ·

2023/03/27

It's time for another round of Ask Jesse! Jesse fields questions from podcast listeners about how to manage multiple bank accounts, negative budgeting, and whether he can slow down his speech pattern (sorry Leslie!) Find a YNAB Certified Coach: https://www.ynab.com/coaching-directory/ Got a question for Jesse? Send him an email: askjesse@ynab.com Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

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03:31

Rule One and the Pursuit of Nothing

The Jesse Mecham Show ·

2023/03/20

Jesse challenges the idea of constantly pursuing something financially. For many of us in the modern world, our default is to always be chasing something -- more things, more experiences, more retirement funds, more debt paid down. Some of these things are a net good, some... maybe not. Jesse reminds us that our financial life doesn't always have to be in pursuit of something. It's ok to just let your money support your life, and nothing more. Can you do that, just for a little while? Got a

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