You Need A Budget (YNAB)

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Episodes

Date Title & Description Contributors
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
2024-11-04

  YNAB: The Long Con

It is generally accepted that the market is driven by demand. What if YNAB was really just a long con to generate demand for quality goods and services... like toasters?   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a f...
  Jesse Mecham author
2024-10-28

  Ask Jesse: Reading Habits, Debit Card Update, and More!

Jesse's back with another round of Ask Jesse, where he answers questions in his inbox. In today's episode, Jesse discusses his recent engagement with Marx's Das Kapital (he gave up on it), gives an update on his debit and credit card usage, and explain...
  Jesse Mecham author
2024-10-21

  Error Correction

One of Jesse's takeaway from the recent YNAB Fan Fest in Salt Lake City is that YNAB'ers are good at iterating. They make a plan for their money, spend the money, and reflect on whether the spending was on things they were really looking for. Then, the...
  Jesse Mecham author
2024-10-14

  Wielding Money Against Yourself

We've all done it before, saying something to the effect of: "I'd love to do X, if only I could afford it." We have all cited money as the reason we haven't done something, or bought something we say we wanted. The next time you catch yourself saying t...
  Jesse Mecham author