You Need A Budget (YNAB)

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Episodes

Date Title & Description Contributors
2025-01-13

  Advice for Procrastinators Not Wanting to Deal With Money

If you have been procrastinating about starting to manage your money, Jesse has a message for you. It's ok to start now, and start small -- and you don't have to be perfect either! Jesse has been using the YNAB method to manage his money for twenty yea...
  Jesse Mecham author
2025-01-06

  I Stopped Using Credit Cards for an Entire Year. Here's What Happened

Every year Jesse experiments with his money. In 2023 he decided to ditch his credit cards, and he continued that experiment through 2024. The result? His average bank account balance is up 18%, his time spent maintaining YNAB is down, and most importan...
  Jesse Mecham author
2024-12-30

  If Money Were No Object... What Would Your New Years Resolution Be?

It's almost the New Year, and that means it's time to make resolutions! Jesse loves resolutions, goals, and goal planning, and he has some advice for you this year. Before you start setting your goals for next year, do this simple vision exercise first...
  Jesse Mecham author
2024-12-23

  Don't Scrooge Yourself Next Christmas

Ebenezer Scrooge is a classic Christmas tale, a tragic character who lets his insatiable desire for money blind him to the circumstances of the people around him -- particularly his employees -- and the spirit of the Christmas holiday. He didn't even s...
  Jesse Mecham author
2024-12-16

  Why FIRE is a Form of Procrastination

The FIRE movement, which stands for "Financial Independence, Retire Early," has a long-lived and strong fan base on the internet. The idea behind FIRE is simple: figure out how much money you need to live on each year, then calculate how much money you...
  Jesse Mecham author
2024-12-09

  To Those Who Feel A Bit Behind

It's not too late! The first rule of YNAB's Four Rules is "give every dollar a job," and you can implement it right now. Take a look at your bank account balance, and think to yourself: what does this money need to do for me right now? What does it nee...
  Jesse Mecham author
2024-12-02

  I Am Not Even a Little Bit Frugal. Here's Why

Jesse grew up in a frugal family -- frugality for frugality's sake, as he describes it. As he has grown, discovered the YNAB method, and worked the four rules, he has come to a conclusion -- he is not even a little frugal! Frugality implies thrift, spe...
  Jesse Mecham author
2024-11-25

  What If Being Good At Money Is Just Skill Acquisition?

It's common parlance to say someone is "good with money," but it's often said in a way that suggests some people are innately gifted with money management skills. Jesse punches back at this supposition. He argues that becoming good with money is a skil...
  Jesse Mecham author
2024-11-18

  Infinitely Finite

Most folks do a lot of mental math with their money. They see something they want to buy, they check their bank balance, and start doing some mental math on what other things that balance needs to be able to pay for before they buy the thing. The probl...
  Jesse Mecham author
2024-11-11

  Know Thyself

Sometimes YNAB'ers talk about money being "boring." That is, working the Four Rules patientily, consistently, until managing your money becomes another daily habit. As Jesse sees it, however, there's nothing boring about working the method. Each time y...
  Jesse Mecham author