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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

08:18

There Is No Such Thing as Savings

The Jesse Mecham Show ·

2025/06/19

It seems obvious that you should save money. It's the right thing to do, after all! But even the words that we use talk about saving money have problems -- should, ought -- loaded with moral baggage. Jesse reminds us that even money earmarked for savings is still spending, just spending that has been deferred to a later date, retirement for example. That money still needs to have a job, however. Saving for what in retirement? Utility bills? Travel? Presents for the grandkids? Money for the future

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07:38

What I Do When I Really Want to Buy It

The Jesse Mecham Show ·

2025/06/12

When you really want to buy something, what do you do? Do you wait for 48 hours to cool off a bit and think it over? Or perhaps do you create a category for it in YNAB and fund it with a few dollars, just to see how it feels? Having the urge to buy something is not a bad or shameful thing, but there should be a process for weighing that purchase against your other priorities. That's what YNAB does -- it makes money more real by giving you a framework to evaluate your spending against your

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01:13:14

Money Stress Wrecking Your Health? Here’s How To Fix...

The Jesse Mecham Show ·

2025/06/05

This week Jesse and the rest of the YNAB team are working hard prepping for the upcoming Fan Fest in Minneapolis, so today we are rebroadcasting an interview that originally appeared on Dr. Will Cole's Art of Being Well podcast. In this interview, Jesse talks about how money stress not only leads to poorer mental health, it has real physical impacts on the body as well. We hope you enjoy this interview. If you'd like to follow Dr. Cole's podcast, check out the links below: Web:

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08:39

4 Ways to Start a Fight About Money

The Jesse Mecham Show ·

2025/05/29

It's no secret that money is a major factor in relationship conflicts. Whether it's misaligned values, a feeling that one partner is sabotaging the other's goals through their spending, or a desire to keep up with the Jones'... money has the potential to start or fuel a lot of conflict. But it doesn't have to! Often money arguments belie fundamental communcation problems, and YNAB can help by clarifying for both partners what the goal is for your dollars and whether that is aligned with your shared

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07:57

You've Got Budgeting Backwards

The Jesse Mecham Show ·

2025/05/22

To many, the word "budget" brings to mine restrictions, guilt, punishment, and a general feeling of dread that they don't have control over their money, much less hit their budget goals. But this idea that a budget means setting hard limits on spending in various categories, then looking back every month to see if you were "good" or "bad" in adhering to those limits... it's all backwards! Jesse has another way to look at "budgeting," or planning as he calls it. You give every dollar you have a job

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06:23

How and When We Teach Our Kids About Money

The Jesse Mecham Show ·

2025/05/15

Judging from the difficulties many adults have managing their money, we don't do a great job collectively of teaching our kids about money. Jesse doesn't consider himself an expert on this, but he does have seven kids, and thus seven chances to instill good money habits in his own children. In today's episode he shares how he teaches his kids about money using the YNAB method, scaled down in language and concepts that younger children can understand. At the end of the day, the goal for kids is the

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08:52

Spendfulness: An Origin Story

The Jesse Mecham Show ·

2025/05/08

Spendfulness is the new word around YNAB, but the concept goes back to the beginning of the company... and even before the company itself. In today's episode, Jesse recounts the very early days of YNAB, when the budgeting method was just a spreadsheet. Jesse realized that the spreadsheet was enforcing a set of behaviors, or "rules," around money and that those rules were the foundation of what is now referred to as the YNAB method. YNAB is more than a spreadsheet, and more than a software tool, it

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07:30

What I've Learned from Years of Experimenting with Money

The Jesse Mecham Show ·

2025/05/01

Jesse has a long history experimenting with money. From rating every meal he and the family ate out, to "hyperbudgeting," to not budgeting at all... he's run an experiment almost every year for the last several years to see how his habits affect his financial planning. In today's episode Jesse recaps the experiments he's done, how they went (good and bad), and reminds us that personal finance is, well, personal. Watch The Jesse Mecham Show on Youtube: https://www.youtube.com/@jessemechamshow

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08:36

How to Be Spendful When the World Is on Fire

The Jesse Mecham Show ·

2025/04/24

If the world seems like it's on fire right now... it may be true. But then again, the world always seems like it's on fire, at least depending on who you ask. If you ask the news, it certainly is! Fortunately, the YNAB method -- giving every dollar a job and working through the 5 Questions -- can bring peace and calm to your finances. Watch The Jesse Mecham Show on Youtube: https://www.youtube.com/@jessemechamshow Got a question for Jesse? Send him an email: askjesse@ynab.com Sign up for a

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06:03

Delete Your Emergency Fund

The Jesse Mecham Show ·

2025/04/17

On the surface, emergency funds sound like a very prudent idea. You set aside cash for unknowable, unforseeable events so that you aren't strapped when you really need it. We're not disagreeing with the idea, but an emergency fund is somewhat counter to the core principle of YNAB: giving every dollar a job. In an emergency fund, dollars are given a job, but it's a vague one. Jesse likens it to a football coach yelling at his defense to "just stop the other team from scoring!" The coach is

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07:30

Are Your Savings Making You Stingy?

The Jesse Mecham Show ·

2025/04/10

All money is meant to be spent, it's just a matter of when. Some people get caught in a cycle of amassing savings with no clear goal of how it is to be spent. Jesse shares an example from his wedding of how the desire to save money can backfire, and demonstrates how having a plan for your money, whether it's in the near future or distant future, is the most important thing. As we say at YNAB, give every dollar job. Watch The Jesse Mecham Show on Youtube:

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05:44

Stop Budgeting Dollars You Don't Have

The Jesse Mecham Show ·

2025/04/03

YNAB only asks that you follow one rule with your money, the golden rule of money, if you will -- give every dollar a job. And within that statement is implied that you must give every dollar you have a job. Many people get in trouble when they start planning for money they expect to come but don't have yet. There be dragons! Looking at the money you have right now, and asking yourself "what does this money need to do between now and when I get paid again?" focused you on reality, and avoids

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06:11

Am I Spendy or Spendful?

The Jesse Mecham Show ·

2025/03/27

Jesse relates a story of a couple looking at a piece of gym equipment posted for sale at their local gym. It was expensive, and Emily's gut reaction was "no, it seems spendy." After some reflection she told her husband they should talk about it more, because maybe it was really a spendful purchase. We are faced with decisions like these all the time. Without a plan, anything can seem spendy, even good things we want to spend our money on. Likewise, we can end up spending on things we don't really

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11:33

These 5 Questions Will Rewrite Your Financial Future

The Jesse Mecham Show ·

2025/03/20

YNAB only has one "rule" for managing your money, and that's to give every dollar a job. This is easier said than done, however, so to help with this task, Jesse presents 5 questions to clarify what you want to do with your money: Reality: What does this money need to do before I’m paid again? Stability: What larger, less frequent spending do I need to prepare for? Resilience: What can I set aside for next month’s spending? Creation: What goals, large or small, do I want to prioritize? Flexibility:

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06:54

You're Already Talking to Your Kids About Money

The Jesse Mecham Show ·

2025/03/13

You've heard the term "monkey see, monkey do," and it's true of kids and money too -- and probably not in the ways you expect! Jesse shares a couple lessons about kids and money he's learned from parenting seven children, and how kids often learn as much or more from the things you do with your money rather than what you say about money. What you say matters too, however! The main takeaway is to be thoughtful about how you engage with money, becuase your kids are listening (and watching). Watch

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06:57

I Regret Paying Off My Mortgage

The Jesse Mecham Show ·

2025/03/06

When Jesse was 25, he wrote down a goal on a notecard: to live in a paid-off house by the time he was 30. He thought that owning his house free and clear would make things feel different, give him a sense of security and freedom. At the end of the day, though, the mortgage really wasn't that big of a deal -- it was just another bill to pay. There was less satisfaction to owning his home outright than he thought there would be, and some regret when he realzied he could have invested the extra

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04:42

Your Money = You

The Jesse Mecham Show ·

2025/02/27

Welcome to the first episode of The Jesse Mecham Show! To kick off the new show, Jesse asks the question: what is money anyway? You might point to the cash in your wallet, you might say it's the number in your bank account, you might even say it's a medium of exchange, or a store of value. While these answers aren't wrong, they really don't capture the fullness of what money is and what it means to us. Instead of thinking of money as merely a medium of exchange, Jesse prompts you think of it as

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23:34

Ask Jesse: 2025 Edition Part Drei

The Jesse Mecham Show ·

2025/02/24

Jesse finishes his Q&A session from his inbox with one of the longer episodes in recent memory. He also announces a big change coming to the podcast! 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 Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC:

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08:14

Spendfulness Isn't... Spendfulness Is

The Jesse Mecham Show ·

2025/02/17

Spendfulness is the new word in town, but don't be fooled! It's not just a portmanteau of "spending" and "mindfulness." Spendfulness isn't spending on the "right" or "correct" things. It doesn't mean spending on health or self-improvement, or even treating yourself. Although it certainly could include these things, limiting the definition to them is too small. Paying your electric bill is spendfulness, just like paying for a day at a health spa or a membership to a yoga studio. Spendfulness is

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15:56

Ask Jesse: 2025 Edition Part Deux

The Jesse Mecham Show ·

2025/02/10

Jesse continues his Q&A session from his inbox, addressing questions such as: whether an investment advisor is worth it and what to do with an inheritance windfall. Jesse also teases some upcoming changes to the podcast! 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 Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial Tickets to YNAB Fan Fest

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