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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.

education

All Episodes

03:19

Expensive Is a Lazy Word

The Jesse Mecham Show ·

2023/03/13

When people say "that's too expensive," what do they mean really? That they can't afford it, that it costs too much for a certain group of people, that it costs too much on principle? Jesse relates Rule One to the word "expensive" and concludes that its meaning is too slippery to be a useful term for people following the Four Rules. 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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13:58

Ask Jesse: Travel Hacking, Credit Cards, and YNAB'er...

The Jesse Mecham Show ·

2023/03/06

In this installment of Ask Jesse, Jesse answers questions from podcast listeners about travel hacking and credit card and debit card fraud protection. He also reads an experience from one YNAB'er who switched from using credit cards to debit cards. 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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03:37

Rule One and DIY FTW

The Jesse Mecham Show ·

2023/02/27

Jesse analyzes a recent situation in which he was planning to build something in his wood shop, when a friend remarked that he could buy the same thing a lot cheaper. While we talk about money all the time in YNAB, and frequently equate money with time, and discuss the tradeoffs of buying this thing versus that thing -- Jesse reminds us that we don't have to think of everything in terms of economic decisions. Sometimes you give dollars a job (Rule One) which is for sheer enjoyment. Got a question

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15:48

Debit vs Credit Card Smackdown (and a Rant)

The Jesse Mecham Show ·

2023/02/20

In response to episode #603 "You Spend More Money with Credit Cards," many listeners wrote Jesse to pick a bone with his claim that the debit card was a superior way to pay for things. The arguments usually boil down to the assertion that credit cards have better purchase protection and fraud prevention compared to debit cards. Jesse addresses these concerns, and more, on today's episode. Got a question for Jesse? Send him an email: askjesse@ynab.com Sign up for a free 34-day trial of YNAB at

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15:06

Ask Jesse: Save for Cars or Pay Down Mortgage, Debt...

The Jesse Mecham Show ·

2023/02/13

Jesse answers questions from the YNAB mailbag, including whether a couple should save for new cars to replace aging vehicles, or pay down the mortgage faster, whether debt consolidation is a good idea, and how exactly do you know when it's ok to spend money? 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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04:37

One Thing That Tells You You're Doing Money Right

The Jesse Mecham Show ·

2023/02/06

Jesse shares one key indicator that you are budgeting and doing your money right. 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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04:57

A Major Downside to Not Having Money Stress

The Jesse Mecham Show ·

2023/01/30

Not having money stress is a GREAT feeling to have. But a YNAB employee, Katie, pointed out a downside to it -- people assume you make more money than you really do. Because who else would have no money stress except people who are rolling it in? 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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08:40

Ask Jesse: Doubling Income, Real Estate, Debit Card...

The Jesse Mecham Show ·

2023/01/23

Jesse fields more listener questions today, including what you should do when you double your income (teaser: there's really not a wrong answer as long as it's saving!), how to budget for real estate investments, and whether debit cards have sufficient fraud protection to use over credit cards. Please keep your questions coming! Send them to: askjesse@ynab.com Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

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07:47

Ask Jesse: More on Credit Cards, Tracking 401k in...

The Jesse Mecham Show ·

2023/01/16

Jesse answers listener questions about tracking 401k deposits in YNAB and how to strategize paying off student loans. Jesse shares his evolving thoughts about credit cards, and why the Mecham household will only use a single debit card for expenses in 2023. 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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07:35

Now Burn It All Down Again

The Jesse Mecham Show ·

2023/01/09

Last week Jesse urged YNAB'ers not to make any sudden or drastic moves to their budget. But you know it's the beginning of the year, and that can only mean one thing! It's time for a budget burndown. Every year Jesse burns down his budget... er, plan, and examines every single assumption built into it. Do we really need to own a house? What if we lived in an RV for awhile? Do we need two cars? What if we sold one? Etc, etc. The point of this exercise is to question everything, and in the process,

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03:10

Don't Make Big Changes, People!

The Jesse Mecham Show ·

2023/01/02

Happy New Year! We hope 2023 is a fruitful and productive year, financially and otherwise, for everyone. It's that time of year again, the time for resolutions, big goals, and new plans. Jesse urges you to pump the brakes, however, and DO NOT make big changes to your budget. Not right now. Just iterate on what you've been doing, and try to do a little bit better than last year. Got a question for Jesse? Send him an email: askjesse@ynab.com Sign up for a free 34-day trial of YNAB at

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03:11

A Strategy for the Holidays in 2023

The Jesse Mecham Show ·

2022/12/26

We hope you had a Merry Christmas and very happy holiday! If you didn't use YNAB to plan for this year's Christmas bill, that's OK, you can start now for next year! In January start saving for Christmas 2023 by putting aside one twelfth of the Christmas budget each month. Jesse also has another exercise for you. Write a little note to yourself about what went well this Christmas, and what you want to do differently next time. Then set a reminder for that note to open back up in October 2023

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06:47

Every Gift I'm Giving Julie, Forever

The Jesse Mecham Show ·

2022/12/19

Jesse shares some of the gifts he's given his wife, Julie, over the years, and why every year from now on the gifts will be made, not bought. 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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12:56

Ask Jesse: Tracking 401k in YNAB, Early Retirement...

The Jesse Mecham Show ·

2022/12/12

Jesse answers a grab-bag of questions from listeners, including whether it's a good idea to track 401k investments in YNAB (it's not), how to budget for early retirement, good books for learning how to to invest, and more. 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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12:28

You Spend More Money with Credit Cards

The Jesse Mecham Show ·

2022/12/05

It's a fact, you do. We know this because banks LOVE credit cards, and they're incentives for using credit cards rely on the fact that many people spend more money on credit than they would otherwise. Jesse meditates on the nature of credit card fees, incentives, and the game that banks play to get people to spend on credit. 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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04:18

The Different Tenses of Money

The Jesse Mecham Show ·

2022/11/28

Jesse riffs on the idea that money has different "tenses," that is, money's purpose is to be spent, and spending can happen in the past, present, or future. Debt is past spending, savings is future spending, and so on. It's an interesting idea, one that might help you better visualize the purpose of money in your own life, and how it aligns with your priorities. 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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03:34

Rule One and Gratitude

The Jesse Mecham Show ·

2022/11/21

For everyone listening in the United States, Happy Thanksgiving! Jesse encourages us this week to step back and make a list of everything we are thankful for. Taking a moment to express your gratitude for the things you have and the things that are going well in your life is not only good for your soul, it's good for your budget too! We tend to spend so much of our time in the weeds of categories and transactions, that a little time looking at the big picture and being grateful can help us get back

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06:26

What's the Most Expensive Thing You've Budgeted For?...

The Jesse Mecham Show ·

2022/11/14

Jesse shares results from a recent survey of YNABers asking: "what's the biggest thing you've saved for with YNAB?" Vacations, cars, houses, college... there are some big line items indeed! 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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05:15

Ask Jesse: What's the Most Important Metric?

The Jesse Mecham Show ·

2022/11/07

YNAB'er Allison asks: of all the metrics in the YNAB software, which is the most important one to track? To which Jesse answers... none of them! Jesse prefers to track net worth over time, which is not captured in YNAB since it's a calculation of the value of what you own minus what you owe. As Jesse explains, though, if you are working the Four Rules well, then you will create more opportunties to save and invest money and pay off debt, all of which will increase your net worth. Got a question

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04:32

The Last $300

The Jesse Mecham Show ·

2022/10/31

Once you've started working the Four Rules, you start to realize that most of your money is kind of... spoken for. You need to pay the rent, the utlities, insurance, and so on. When you get through the list of non-negotiables, there's often just a few hundred dollars each month to play around with in the budget, and those dollars are where the real gains are made. Like David Bach's "latte factor," the small optional expenses we accumulate without budgeting properly can add up to big savings over a

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807 results

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