You Need A Budget (YNAB)

By Jesse Mecham

Listen to a podcast, please open Podcast Republic app. Available on Google Play Store.

Category: Training

Open in iTunes

Open RSS feed

Open Website

Rate for this podcast

Subscribers: 805
Reviews: 1

 Feb 25, 2019


A weekly dose of just the right medicine to help you get out of debt, save more money, and beat the paycheck to paycheck cycle.

Episode Date
The Commander's Intent

At YNAB there is a document called the Vision Doc, which spells out the “commander’s intent” for the company, how to behave and act on the company’s behalf. Employees must make many decisions on a day to day basis, but with a clear commander’s intent they have the freedom to make those smaller decisions while adhering to the company’s greater goal.


It’s useful to develop the same commander’s intent for your budget. With a clear goal and aim for the budget, it becomes easier to make those small, day to day money decisions that, as we know, can add up to big dollars over the course of a year!


Sign up for a free 34-day trial of YNAB at

Mar 30, 2020
Don't Be Average... You Can't Be Anyway

Jesse reads an excerpt from the book The End of Average by Todd Rose. In the late 1940's the Air Force had a dangerous problem on its hands -- aircraft of all kinds were malfunctioning and crashing at alarming rates. The Air Force brought in scientist  Lt Gilbert S Daniels to diagnose the problem. Daniels discovered that the Air Force had designed cockpits based on thousands of physical measurements taken from its ranks of pilots, then averaged. Daniels ascertained that despite the rigor and breadth of the measurements, not a single active pilot in the Air Force actually matched up with all the averages. In short, the Air Force had designed their planes around an average pilot that didn't actually exist, causing pilots to have trouble controlling their planes.


We can take a lesson from Lt. Daniels discovery when it comes to our budgets. It's tempting to come up with an average for each line item, and compare your budget to someone else's or perhaps even a regional or national "average." Designing your budget around averages may not actually fit your life, and, going back to Episode 420, may leave your budget rigid and inflexible.


Sign up for a free 34-day trial of YNAB at

Mar 23, 2020
Budget. No, Budget!

We often talk about the budget as if it’s a noun. Is it “in the budget”? Did you check the budget? When you treat the budget as a noun it takes on a rigid, inflexible quality, like the budget is set on stone tablets.


But what if we thought about “budget” as a verb? As an action, an activity, budgeting becomes a process, a thing which can change and evolve with each iteration.


Jesse discusses the importance of budgeting and not just setting a “budget.” Thanks to Hannah who shared this revelation in her video My 5 YNAB Beginner Mistakes on the YNAB YouTube Channel.


Sign up for a free 34-day trial of YNAB at


Mar 16, 2020

Money is made to spend. We all want something, and that something usually costs money. Some of the “wants” are fleeting desires, spurred by mood or peer pressure or perhaps just a whim. Other “wants” are genuine desires and items or experiences that actually add value to your life.


Whichever it is, Jesse argues that you should wait. Wait before you buy anything, even the genuine wants. For one thing, waiting helps you parse out the genuine from the ephemeral.


Jesse keeps a running list of wants on his phone. If he wants something, he adds it to the list rather than buying it right away. If he still wants it when he checks the list again later, he buys it. Many times, however, he will find things on the list that he hasn’t thought about in a while, and that he really doesn’t want. So the list can act as a simple filter and a sanity check for purchases.


Sign up for a free 34-day trial of YNAB at


Also, go to to sign up for the YNAB Debt Bootcamp!

Mar 09, 2020
Doing Nothing Is Something

There's a cliche in TV and film whenever something bad happens in a crowd of people, inevitably someone in the crowd shouts "why doesn't someone do something!" This is usually the cue for the superhero to enter stage right. We hear this sentiment all the time, not just in bad cinema, but in real life. Anytime a problem reaches a level of widespread concern -- whether it's a local neighborhood issue or a national one -- something must be done about it.


Some problems have no easy answers, and we often forget that inaction is a valid response. The same goes for our budgets! Not every budget problem can be solved right now. Sometimes you don't have the right information, or enough of it, to fix every issue in your budget. That's OK. Sometimes your budget is working just fine, and there's no reason to tinker with it. That's OK too. Don't fix it if it ain't broke!


Whatever your situation, remember doing nothing is still doing something.


Sign up for a free 34-day trial of YNAB at


Also, go to to sign up for the YNAB Debt Bootcamp!


Mar 02, 2020
Budgeting for Lady Luck

They are prepared for emergencies, for setbacks, for unexpected life changes. In fact emergencies don’t seem to happen as often to them. YNAB’ers are a lucky set, it seems, but maybe there’s more to the truth than a roll of the dice.


Survivorship bias is a logical fallacy in which you focus on a group of people or things that made it past a selection process, without considering those that failed. This bias can lead to a number of erroneous conclusions. In finance, survivorship bias occurs when evaluating the returns of, say, companies in a certain sector of the economy. If you only look at current technology firms, you might look at the technology sector and determine that it radically outperforms the market… but those same returns may look very different if you consider all the technology firms within the same time period that went bankrupt.


Survivorship bias appears everywhere in life, and YNAB’ers are no exception. At first glance it may seem like those in good financial health just didn’t have the same number of setbacks that those in poor financial health did. But maybe it’s not just luck. Maybe those with good financial health stay that way because they budget responsibly.


Sign up for a free 34-day trial of YNAB at


Also, go to to sign up for the YNAB Debt Bootcamp!

Feb 24, 2020
Opting Out of Credit Cards (A Bit)

In episode 411, Jesse decried the ubiquity of credit cards and the fact that they enjoy a number of benefits that plain old debit cards do not... at the risk of getting yourself in debt. Since then, he's learned of a few strategies for managing fraud risk with debit cards.


Sign up for a free 34-day trial of YNAB at


Also, go to to sign up for the YNAB Debt Bootcamp!

Feb 17, 2020
Scratching the Gambling... Er, "Investing" Itch

Jesse admits he's got an itch to scratch. He likes to invest gamble in the stock market from time to time, using an app that allows him to trade at the swipe of a finger.


At least he's honest -- it's gambling with fun money, not investing. And that's the key. It's money he can afford to lose, and it's not much.


Sign up for a free 34-day trial of YNAB at


Also, go to to sign up for the YNAB Debt Bootcamp!

Feb 10, 2020
Optionality and Managing Your Fixed (or Growing) Expenses

Wealth is not a dirty word. After all, wealth can allow us to do many interesting and fulfilling things with our lives. At the very least, it provides options, opening up the range of possibilities before us. Simply put, wealth can allow us to live the life we want to live.


The only problem is that the accumulation of wealth is often followed by increasing expenses. Some of these are obvious -- a bigger, newer house usually costs more than a smaller, older one -- while others are insidious. A larger house requires more energy to heat and cool, more time and effort to clean and landscape, and more things to fill it up. That's just one example. We could say the same about cars!


Left unchecked, these growing expenses can once again eat into our wealth, robbing us of the optionality of wealth. As Thoreau once wrote, "he who owns little is little owned."


Sign up for a free 34-day trial of YNAB at


Also, go to to sign up for the YNAB Debt Bootcamp!

Feb 03, 2020
Optionality & Why You Should Follow Rule Two Instead of Paying Down Debt

Save money for known future expenses, or pay down debt? It's a challenge many people face while trying to eliminate their debt. It's a conundrum too -- you could take your savings and pay down debt now, or hold onto to those savings for the new tires you know your car needs next month, or the Christmas gifts you want to buy for the family. If you do that, though, the debt balance stays the same while you continue to pay interest...


Jesse argues that optionality is the key here. Obeying rule #2 -- embracing your true expenses -- means setting aside money for those known expenses and eventualities in your life. It's tempting to pay down as much debt as you can now, but setting aside cash for your true expenses gives you options.


What if your true expenses are bigger than you anticipated? What if you get hit with unexpected expenses on top of that? If you've set aside the cash, you are in a position to handle those expenses when they come. If you've already used the cash to pay down debt, then you won't have any to cover unexpected expenses. This makes you much more likely to put those on the credit card and then... now you are in debt again.


Jesse often meets people whose finances look like their diets -- they yoyo in and out of debt constantly. It's a mentally and emotionally draining prospect. But by giving yourself options, you can have it both ways. You can prepare to pay your true expenses in the future AND pay down debt. And you'll be more likely to stay out of debt, which is the ultimate goal!



Sign up for a free 34-day trial of YNAB at


Also, go to to sign up for the YNAB Debt Bootcamp!

Jan 27, 2020
Incentives and Your 401(k)

Jesse reflects on a Senate bill -- now signed into law as the Setting Every Community Up for Retirement Enhancement (SECURE) Act -- which will require a greater amount of employers to offer 401(k) plans to employees. The new law also makes it easier for annuities to be included in 401(k) offerings by easing the fiduciary rules around fees and expense ratios.


401k) plans are excellent vehicles for saving for retirement because they allow employees to put away a lot of money every year -- up to $19,500 in 2020. Some employers offer matching on 401(k) contributions, further boosting savings rates.


However, the inclusion of more annuities in 401(k) plans has a darker motivation. Annuities typically charge higher fees than mutual funds and index funds -- sometimes a percentage point or more -- making them an inefficient and expensive way to save for retirement for most people. On the other hand, they are very profitable for insurance companies! Not surprisingly, insurance companies lobbied hard for the relaxation of fiduciary rules in the SECURE Act.


Just like Jesse discussed in last week's episode #411, wherever there are incentives, there are people making money. The wise investor follows the money!


Sign up for a free 34-day trial of YNAB at


Also, go to to sign up for the YNAB Debt Bootcamp!

Jan 20, 2020
Opting Out of the Credit Card Game

For better or worse (probably worse), credit cards are a major part of our financial world now. Cash is becoming less and less convenient to use every year, and debit cards continue to lack the same level of fraud protection that credit cards enjoy.


This isn't coincidence either. Jesse attended a "payments trends" conference in 2019, where the main topic was how to make payments easier, to remove as much friction as possible from the process of buying things. Why? Simply put, when you spend more money, more often, payment vendors make more money.


The problem is, you can't win the credit card game. Not only do payment vendors make money when you spend, the banks that underwrite credit card debt know (because they have studied human behavior) that when you swipe a credit card, you tend to spend more money. Credit card points and rewards are carefully designed to entice you to spend more money, because banks know that you will likely carry higher debt levels with a credit card.


So if you can't win the game, maybe the solution is just to opt out.


Sign up for a free 34-day trial of YNAB at


Also, go to to sign up for the YNAB Debt Bootcamp!

Jan 13, 2020
January Burndown 2020

It's time to blow it all up! Every January, Jesse takes time with his family to "blow up" his budget and all the assumptions that drive it. He takes a fresh look at the dollars in the budget, and starts to question everything.


Need to set aside $400 for a new set of tires in March? That's a responsible Rule #2 line of thinking. But the burndown is your chance to think deeper... do we even need a car? Could we sell it and ride our bikes to work instead?


This is your time to think big, re-evaluate your priorities and life goals, and then question everything about your money. Nothing should be off the table at this point, because you're just talking. In the process, you may discover that your priorities have shifted, and it's time to take some new steps with your budget.  


Sign up for a free 34-day trial of YNAB at


Also, go to to sign up for the YNAB Debt Bootcamp!

Jan 06, 2020
The YNAB Debt Bootcamp

If you made it through the last few weeks, you know why Jesse hates debt and why you should too!


Start the New Year by putting those feelings into action. Jesse has created a "debt bootcamp" for YNAB users to help you get serious about getting rid of your debt for good. Best of all, it's FREE for all YNAB software subscribers.


The Debt Bootcamp will be an intense, 8-week challenge to get rid of as much debt as possible. The camp will be run through a private Facebook group where you can stay accountable with other YNAB'ers and share your successes and challenges.


Go to to sign up now!



Dec 31, 2019
Why I Hate Debt Pt. 4: The Corporations

The corporations are playing a game, and you can't win. So opt out and stop playing the game! In the part 4 of the "Why I Hate Debt" miniseries, Jesse explains how behind every credit card is a clever system of points, travel miles, and other "free" rewards designed to keep you spending and in debt.


Credit cards are a very profitable industry. Would banks and finance companies be giving away rewards if they weren't making a profit from it? Of course not! They've got the data, they've studied the statistics, and they know people will drive themselves into debt, where they can rack up fees and interest.


So join Jesse, stop playing the game, and start hating debt!


Sign up for a free 34-day trial of YNAB at

Dec 30, 2019
Why I Hate Debt Pt. 3: Cost of Opportunity

Jesse hates debt, and you should too! In Part 3 of anti-debt miniseries, Jesse argues that debt is not just a drain on our cash flow and creativity, it also restricts our future opportunities!


The burden of debt keeps us from realizing our full potential in many ways -- starting a business, taking a lower paying job for more fulfilling work, moving to a new state or country -- often in the early phases of life when we are most energetic and open to growth.


Sign up for a free 34-day trial of YNAB at

Dec 23, 2019
Why I Hate Debt Pt. 2: Constraints & Creativity

In Part 2 of the Why I Hate Debt miniseries, Jesse explains why debt is a non-negotiable for him, and why is should be for you too.


At 22 years old, trying to finish his Masters degree and expecting his first child, Jesse found himself caught between two non-negotiables: 1.) Living without debt, and 2.) Allowing his wife to quit work to focus on raising their child. The problem? They didn’t have enough money to last until Jesse started working his new job after graduation, even living a very frugal existence.


At this point, it would have been so easy to simply sign for a student loan to cover the shortfall. It was only about $7,000. Other students around him were borrowing far more. The interest rates were low, the payback period would be short… debt was the easy way out.


But choosing to borrow would have blinded Jesse to the possibility of another solution, another way to make up the shortfall. The constraints of his non-negotiables led him to start selling his budgeting spreadsheet, which eventually turned into You Need A Budget.


Sign up for a free 34-day trial of YNAB at

Dec 16, 2019
Why I Hate Debt Pt. 1: Cash

Jesse hates debt, and you should too. Debt service constricts our cash flow, limits out ability to do other things like savings and investing, and generally introduces more stress into our lives. In this first part of a mini-series on debt, Jesse makes a case for living completely debt-free.


Sign up for a free 34-day trial of YNAB at


Dec 09, 2019
Handling Wildly Variable Income

Some of you may be thinking, YNAB sounds great, but what if I don't get a regular paycheck? How am I supposed to budget with that?

Well, first off, you definitely need a budget! Planning to fund your expenses in future months becomes more critical the more variable your income is.


Sign up for a free 34-day trial of YNAB at

Dec 02, 2019
A Business Podcast?

Jesse is thinking about launching a separate podcast to discuss small business, internet marketing, and how you can use YNAB to manage your business cash flow, and he wants to know what you think!


Would you be interested in a business-focused podcast? What kind of topics would you like to hear about?


Email Jesse at and share your thoughts!


Sign up for a free 34-day trial of YNAB at

Nov 25, 2019

Jesse asks the most important question about your reasons for getting out of debt, saving money, and achieving your financial goals. Why?


Why do you do it? What's the reason behind the goals? If you could write a mission statement for your life, what would it say? Answering the simple question "Why?" might be the most important thing you do after you complete the blocking and tackling of paying off debt and building an emergency fund.


Sign up for a free 34-day trial of YNAB at

Nov 18, 2019
Sowing the Seeds of FI

"FI" is an acronym that has steadily grown in popularity over the last decade, though the concept is much older than that. It stands for financial independence -- some people call it early retirement (the longer acronym FIRE stands for financial independence, retire early) -- but the idea is simple. Live below your means, drastically increase your savings rate and accumulate enough wealth to "retire" or perhaps better said, until you can do what you want to do.


Time and savings rate are the key components of financial independence. What if you could save half of everything you make? What if you started doing that from the beginning? Jesse shares some lessons he's trying to instill in his kids as they take their first steps toward financial independence.


Sign up for a free 34-day trial of YNAB at

Nov 11, 2019
Arbitrary Milestones

It's common to set milestones for paying down debt. They're usually big, round numbers like $500, $1k, $5k, $10k. At the end of the day though, the goals are arbitrary. It's just a number, a stepping stone, toward the greater goal.


So if the day to day grind of fiscal responsibility is getting to you, change your milestones! Maybe it's $749, or $362.54. It's all arbitrary, right? Have fun with the game, and make it work for you. Set a new milestone -- whatever you like -- and celebrate when you reach that new number.


Sign up for a free 34-day trial of YNAB at

Nov 04, 2019
Categories Below the Line

How do you order your categories? What's on top? What's on bottom? And how did you decide that?


Categories are easy to order once you understand your priorities. Rent, utilities, food -- these are non-negotiable. You can and should, however, drill down into the details of each category and ask yourself whether you could live without some of the expenses in that category. You need utilities to live, clearly, but if pushed, what would you keep and what would you cut? Could you live without internet if you had to?


Once you understand which categories sit above the line (necessities) and which sit below the line, then you can total up how much you spend on "below the line" items. Then ask yourself: do you want any of this money to go to above the line items?


Try this exercise to clarify your budget and see whether your budget is in line with your priorities.



Sign up for a free 34-day trial of YNAB at

Oct 28, 2019
Nickeled and Dimed

Why do we become desensitized to the upticks in price of just about everything?



Sign up for a free 34-day trial of YNAB at

Oct 21, 2019
Sure We Could. If We Had To

"We could spend less if we wanted to."



Sign up for a free 34-day trial of YNAB at

Oct 14, 2019

New feature alert: two factor authentication



Sign up for a free 34-day trial of YNAB at

Oct 07, 2019
Everyone's a Lender

Everyone is getting into the lending money game.

Sign up for a free 34-day trial of YNAB at

Sep 30, 2019
Payday Lender...Apps

Jesse discusses payroll advance apps.



Sign up for a free 34-day trial of YNAB at

Sep 23, 2019
Fixing the Paycheck to Paycheck Cycle

Jesse discusses payroll advances in relation to age of money.



Sign up for a free 34-day trial of YNAB at

Sep 16, 2019
Rule Four and Waistlines

Jesse goes back to basics and breaks down YNAB's Rule Four: Age Your Money



Sign up for a free 34-day trial of YNAB at

Sep 09, 2019
Rule Three is War

Jesse goes back to basics and breaks down YNAB's Rule Three: Roll With The Punches



Sign up for a free 34-day trial of YNAB at

Sep 02, 2019
Rule Two Broken Down

Jesse goes back to basics and breaks down YNAB's Rule Two: Embrace Your True Expenses

Sign up for a free 34-day trial of YNAB at

Aug 26, 2019
Rule One Broken Down

Jesse goes back to basics and breaks down YNAB's Rule One: Give Every Dollar A Job.

Sign up for a free 34-day trial of YNAB at

Aug 19, 2019

How do we curb the immediacy bias with DIY?



Sign up for a free 34-day trial of YNAB at

Aug 12, 2019
Singular Focus on the Shovel and its Size

How many dollars are you sending to your retirement fund?

Sign up for a free 34-day trial of YNAB at

Aug 05, 2019
Testing Rounding Up

Jesse reviews the automated investing app, Acorns.

Sign up for a free 34-day trial of YNAB at

Jul 29, 2019
Is it Going Up?

The rock solid measure of whether or not you're succeeding

Sign up for a free 34-day trial of YNAB at

Jul 22, 2019
It's for the Children

Jesse takes issue with a phrase we use when it comes to spending money on children.

Sign up for a free 34-day trial of YNAB at

Jul 15, 2019
Bonus Episode: Kristy Shen and Bryce Leung Interview

Jesse interview's authors and married couple Kristy Shen, Bryce Leung about their book—available today—Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required.

Sign up for a free 34-day trial of YNAB at

Jul 09, 2019
Should You Start Over

One simple question—should you start your budget over?

Sign up for a free 34-day trial of YNAB at

Jul 08, 2019
The Clothing Credit Card Experiment

A follow up to episode 331, Sacreligious Budgeting.

Sign up for a free 34-day trial of YNAB at

Jul 01, 2019
The Ideal Budget

Data and the ideal budget.



Sign up for a free 34-day trial of YNAB at

Jun 24, 2019
A Report on Manual Entry

A follow up to episode to 365 on manually entering transactions.

Sign up for a free 34-day trial of YNAB at

Jun 17, 2019
Bulking and Cutting

How is a budget like strength training?

Sign up for a free 34-day trial of YNAB at

Jun 10, 2019
A Thin Slice of Cheese

There are two sides to every slice of cheese.

Sign up for a free 34-day trial of YNAB at

Jun 03, 2019
That's Progress

Simple benchmarks for budgeting progress

Sign up for a free 34-day trial of YNAB at

May 27, 2019
Is Wanting It Enough

A road trip, a Tesla and a story about Mr. Money Mustache

Sign up for a free 34-day trial of YNAB at

May 20, 2019
Bonus Episode: Ramit Sethi Interview

Jesse interview's author Ramit Sethi about the update of his 10 year old book, I Will Teach You To Be Rich.

Sign up for a free 34-day trial of YNAB at

May 14, 2019
Oxygen Masks

Ladies and gentlemen, as we start this episode, please make sure your seat backs and tray tables are in their full upright position

Sign up for a free 34-day trial of YNAB at

May 13, 2019
A Rock and a Hard Place

Stand up for your nonnegotiables.

Sign up for a free 34-day trial of YNAB at

May 06, 2019
It's Just Not Working

Tips for getting over the hurdle of learning to budget.




Sign up for a free 34-day trial of YNAB at

Apr 29, 2019
Investing vs Budgeting

A simple look at the approach to investing vs budgeting

Sign up for a free 34-day trial of YNAB at

Apr 22, 2019
Renting a House is Awesome

The upside to renting.

Sign up for a free 34-day trial of YNAB at

Apr 15, 2019
Dropping Swears

How is a budget like swearing?

Sign up for a free 34-day trial of YNAB at

Apr 08, 2019
The Power of Pencil and Paper

We're introducing a new service!

Sign up for a free 34-day trial of YNAB at

Apr 01, 2019
Hey Nerd Chill

A message for the budgeting nerds

Sign up for a free 34-day trial of YNAB at

Check out our book! -



Mar 25, 2019
Ep 13 Debt Story: Meet Jonathan and Miranda

Jonathan and Miranda were college sweethearts with $52k in student loans. This is the story of how they paid it all off in just 21 months … and started their family.

Mar 21, 2019
Hey Free Spirit Here's a Calculator

A message for the free spirit budgeter



Sign up for a free 34-day trial of YNAB at

Mar 18, 2019
Financial Wellness by YNAB

A little behind the scenes at YNAB and Jesse asks listeners a favor



Sign up for a free 34-day trial of YNAB at

Mar 11, 2019
Ep 12 Debt Story: Meet Tanya

When Tanya and her husband became parents for the first time, suddenly their financial priorities clicked into place—and, within just 12 months, they’d paid off $31,000 of debt so that they could truly enjoy life with their new son.

Mar 07, 2019
Manual Entry Take Two

Taking another stab at entering transactions one at a time the old fashioned way.

Sign up for a free 34-day trial of YNAB at

Mar 04, 2019
Cash is a King in Hiding

Stash some cash



Sign up for a free 34-day trial of YNAB at

Feb 25, 2019
Ep 11 Debt Story: Meet Siobhan

Siobhan came to YNAB looking for a solution to her debt—$60k+ in student loans and $16k+ in credit card debt. Flash forward, and she’s on track to pay the last $30k off by next year. What a difference a couple of years can make!

Feb 21, 2019
The Allure of Plastic

This is a tinfoil PSA ... perhaps

Sign up for a free 34-day trial of YNAB at

Feb 18, 2019
Age of Money When it Just Keeps Climbing

Day-old money is stressful!

Sign up for a free 34-day trial of YNAB at

Feb 11, 2019
Ep 10 Debt Story: Meet Erin

Erin thought that she’d never be able to retire, much less do it comfortably on half of the amount than she previously thought ... but then she found YNAB.

Feb 07, 2019
Rule Three and Alabama Football a little

How is a budget like a college football game?

Sign up for a free 34-day trial of YNAB at

Feb 04, 2019
Rule Two the In-Laws are Coming

How is a budget like a visit from the in-laws?

Sign up for a free 34-day trial of YNAB at

Jan 28, 2019
Rule One in an Afternoon.

How is a budget like a clock?

Sign up for a free 34-day trial of YNAB at

Jan 21, 2019
Priorities Priorities Priorities

Jesse gets back to basic budgeting talk with a discussion on priorities.



Sign up for a free 34-day trial of YNAB at

Jan 14, 2019
Ep 09 Debt Story: Meet Chelsea

Chelsea and her husband had the wedding of their dreams in Hawaii ... then reality hit. They were $215,000 in debt! Find out how they teamed up to fix their finances.

Jan 10, 2019
Goals and a Single Piece of Paper

Some advice on annual goals.

Sign up for a free 34-day trial of YNAB at

Jan 07, 2019
Ep 08 Debt Story: Meet Megan

This is a story of $9 salads and a $12,000 C-Section—and it’s proof that you can fix five-figure debt by paying attention to the little things. It all adds up

Jan 03, 2019
Annual Goals Reviewed Daily

A technique to get those resolutions and goals to stick.

Sign up for a free 34-day trial of YNAB at

Dec 31, 2018
Moving the Pine Needle

Is there an opportunity this season for you to try something briefly unsustainable to reach a goal?

Sign up for a free 34-day trial of YNAB at

Dec 24, 2018
Hassle and Bustle

December is a very busy month.

Sign up for a free 34-day trial of YNAB at

Dec 17, 2018
Student Loan Syndrome: an Interview with Ryan Law

Jesse interviews Dr. Ryan Law, professor of financial counseling at Utah Valley University. They discuss student loan debt.



Sign up for a free 34-day trial of YNAB at

Dec 10, 2018
No News is Good News For You

Breaking news: take a news break.

Sign up for a free 34-day trial of YNAB at

Dec 03, 2018
How to Time the Market

Buy, buy, buy and find out why.

Sign up for a free 34-day trial of YNAB at

Nov 26, 2018
Thanksgiving 2018: Gratitude Combats Discontent

Jesse encourages you to try a writing exercise this holiday.


Sign up for a free 34-day trial of YNAB at

Nov 19, 2018
Pay Yourself First

Pay yourself first ... and forever

Sign up for a free 34-day trial of YNAB at

Nov 12, 2018
Big Goals the End

A simpler approach to big goals

Sign up for a free 34-day trial of YNAB at

Nov 05, 2018
Why is Forecasting Bad

The problem with forecasting money you don't have yet.

Sign up for a free 34-day trial of YNAB at

Oct 29, 2018
The Subscription Scourge

Subscriptions, subscriptions, subscriptions.

Sign up for a free 34-day trial of YNAB at

Oct 22, 2018
Tertiary Costs

There can be more to a purchase than the price tag

Sign up for a free 34-day trial of YNAB at

Oct 15, 2018
The Heirloom Toaster Company

What if you never had to buy another toaster again?


Sign up for a free 34-day trial of YNAB at

Oct 08, 2018
344 - The DL on BIFL

Buy it once, never replace it and why.

Sign up for a free 34-day trial of YNAB at

Oct 01, 2018
343 - A Manual Intervention

It's time for a, "Manual Intervention."



Sign up for a free 34-day trial at

Sep 24, 2018
342 - Motivation the Grind

Sometimes the slog is real, the motivation is waning and you are grinding. What do you do in those situations to keep your head above water?

Sep 17, 2018
341 - Broken Budgets

Are credit cards a budget breaker?

Sep 10, 2018
339 - API

YNAB has a new API

Sep 03, 2018
340 - FOMO

Do you fear you've missed out on budgeting?

Sign up for a free 34-day trial at

Aug 27, 2018
YNAB Interview with Mike Michalowicz

Jesse talks with Mike Michalowicz, author of Clockwork: Design Your Business to Run Itself—a book about how to stop sacrificing family, friendships and freedom for the sake of your business.

Available Today

Aug 21, 2018
338 - Budgeting is Spending

Budgeting is spending; nothing more, nothing less.


Sign up for a free 34-day trial at

Aug 13, 2018
337 - Taking a Vacation from Budgeting

How about a vacation from budgeting?


Sign up for a free 34-day trial at

Aug 06, 2018
Debt Stories: Taking A Break

We're taking a break to produce season 2 of Debt Stories. In the meantime check in every Monday for the YNAB Podcast. You can also catch up on any episodes you may have missed and please share with a friend. Thank you.

Aug 02, 2018
336 - Better Halves and Budgets

It's ok if you and your partner don't think about money the same way


Sign up for a free 34-day trial at

Jul 30, 2018
Ep 07 Debt Story: Meet Jennifer

She used to buy every gadget that crossed her path. Now, her cousin calls her “the Queen of Cheap.”—learn how Jennifer paid off all of her student loans and most of her credit card debt, and purchased her very first home in Chicago proper.


Find more information at

Jul 26, 2018
335 - Money Stops, Obligations Keep Coming

Obligations remain despite life-changing circumstances.

Jul 23, 2018
Ep 06 Debt Story: Meet Sydney

This family of four lives in Downsville, Utah. When her husband lost his accounting job, they turned to the credit card. When they hit a $15,000 balance, she discovered YNAB ...


Find more information at

Jul 19, 2018
334 - Parenting is Hard, Not Expensive

Jesse expounds on his stance of not paying for his children's college education

Jul 16, 2018
Ep 05 Debt Story: Meet Brittany

This family of four in Marietta, Georgia, had racked up $263,000 of debt—a number that used to keep Brittany awake at night (and that was before the job losses). Still, they made it work.


Find more information at

Jul 12, 2018
332 - Antifragile Finances

Some things get better when they experience shock

Jul 09, 2018
Ep 04 Debt Story: Meet Daniel

He and his wife paid off $30,000 of debt in three years. It was all about choices—find out whether they picked air conditioning or Amazon Prime.


Find more information at

Jul 05, 2018
333 - Lowering the Baseline

Jesse discusses a conversation he has with a friend about whether or not they should pay off their house.

Jul 02, 2018
Ep 03 Debt Story: Meet Andy & Melissa

He’s a pastor, and she’s a stay-at-home mom. With five kids and $30,000 in debt, stress levels were high. Find out how a spice jar solved their money problems.


Find more information at

Jun 28, 2018
330 - Is Eating Out Eating Your Budget?

Eating out can have a big impact on your budget. Are we spending too much on restaurants and takeout?

Jun 25, 2018
Ep 02 Debt Story: Meet Tom

Find out how an IT business analyst from Kenton, Michigan, realized that it was cheaper to quit his job!

Find more information at

Jun 21, 2018
331 - Sacreligious Budgeting

An unconventional experiment to deal with a clothing category

Jun 18, 2018
Ep 01 Debt Story: Meet Angela

Angela’s family slowly sipped their way through to-go coffees until they’d reached a staggering $85,000 in debt. Just kidding, they bought a house and a pink Toyota, too. Find out how they paid it all off.

Jun 14, 2018
329 - When the Emergency Fund's Gathering Dust, and Why

The emergency fund that's gathering dust.

Jun 11, 2018
328 - Why Only Budget What You Have?

Why do we have people only budget what they have? Even in the surest of sure employment situations?

Jun 05, 2018
327 - A Blind Trust

A plea for blind trusts for the everyman.

May 28, 2018
326 - Renting vs. Buying

Everyone has a cabin. Shouldn't I? And other silly questions that are hard to answer.

May 21, 2018
325 - Blind Obedience and All Its Benefits

A mini-report one one of my New Year's resolutions, and what I've learned being blindly obedient.

May 14, 2018
324 - Material Joy

What's the purpose of that fridge? Knife? Car? Bike? Boat? House? A stroll and ramble through this question of joy and material things.

May 07, 2018
323 - How to Retire and Move to the Woods Fulltime

An interview with Ms. Frugalwoods. (I LOVED this book!)

Apr 30, 2018
322 - Buyer's Remoreselessness

Which items have you purchased that have created buyer's remorselessness.

Apr 23, 2018
321 - Let It Go

Sometimes you just have to let it go.

Apr 16, 2018
320 - Where Has Zero Gone?

Just don't walk past zero into debt. Get comfortable with zero.

Apr 09, 2018
319 - YNAB / Intuit Acquisition

The biggest news we've ever shared.

Apr 01, 2018
318 - Ever the Optimizer

Stop optimizing and be content with pace.

Mar 26, 2018
317 - The Greatest Showman

What you learn from the junior partner in "The Greatest Showman"

Mar 19, 2018
316 - "The Mexican Fisherman"

A little story about a man and his boat. And an investment banker.

Mar 12, 2018
315 - Savings: Undetected.

A little experiment to amass a lot of money.

Mar 05, 2018
314 - What do you mean, means?

How you define means makes all the difference.

Feb 26, 2018
313 - Non-Negotiables

The biggest non-negotiable expense ever. And you're probably ignoring it.

Feb 19, 2018
312 - MASH

Amazing what a little perspective shift gives you. Where do you get your perspective shifted?

Feb 12, 2018
311 - All Mixed Up, Don't Know What to Do

A call to get organized, simplify, and reduce the financial cruft in your life.

Feb 05, 2018
310 - Pay Yourself First

Inspired by my favorite personal finance book, "The Richest Man in Babylon"

Jan 29, 2018
309 - You Have a Spending Problem

That's right. If you're average (and you are), then you have a spending problem--not an income problem.

Jan 22, 2018
308 - Taxes Tax Your Take Terribly

This is a PSA to remind you that taxes are your life's single biggest expense.

Jan 15, 2018
307 - "I Want A 100-Foot Boat"

Maybe that "pipe dream" goal isn't so far off afterall.

Jan 08, 2018
306 - My Favorite Time of Year

My favorite time of year is January. New year, new you.

Jan 01, 2018
305 - Merry Christmas, A Gift You Can Give Me :)

Merry Christmas! That is all.

Dec 25, 2017
304 - Going Back to Your Roots

What are your roots, and how to strengthen them in times of stress

Dec 18, 2017
BONUS - A Conversation with Celia Benton

A Series of conversations with the real-life success stories featured in Jesse's new book, You Need A Budget—The Book, now available for pre-order!

Dec 13, 2017
BONUS - A Conversation with Mitchel Burton

A Series of conversations with the real-life success stories featured in Jesse's new book, You Need A Budget—The Book, now available for pre-order!

Dec 12, 2017
BONUS - A Conversation with Matthew Dricci

A Series of conversations with the real-life success stories featured in Jesse's new book, You Need A Budget—The Book, now available for pre-order!

Dec 11, 2017
303 - Holiday Limits

Keeping the holidays merry--within limits.

Dec 11, 2017
BONUS - A Conversation with Jonathan Dale

A Series of conversations with the real-life success stories featured in Jesse's new book, You Need A Budget—The Book, now available for pre-order!

Dec 08, 2017
BONUS - A Conversation with Holly MacKenzie

A Series of conversations with the real-life success stories featured in Jesse's new book, You Need A Budget—The Book, now available for pre-order!

Dec 07, 2017
BONUS - A Conversation with Dan Kellermeyer

A Series of conversations with the real-life success stories featured in Jesse's new book, You Need A Budget—The Book, now available for pre-order!

Dec 06, 2017
302 - The Costs of "Settling In"

Settle in fast, because it's expensive not to.

Nov 27, 2017
301 - Black Friday Cometh

Set Some Rules. Have Fun. (And take advantage of our Black Friday deal --this year only!)

Nov 20, 2017
300 - Planned Spontaneity

For the spontaneous people.

Nov 13, 2017
299 - Experiences? Priceless.

Experiences over material things. Coming at you from New York.

Nov 06, 2017
298 - Loose Change, or Lose Change?

At what point should you stop tracking cash?

Oct 30, 2017
297 - Do I Still Need a Budget?

Is there a point where you no longer really need a budget?

Oct 23, 2017
296 - It's Beginning to Look a Lot Like Christmas

It's beginning to look a lot like Christmas...does your budget look like it as well?

Oct 16, 2017
295 - Lifestyle, Creep!

Do you suffer from lifestyle creep? I do.

Oct 09, 2017
294 - When's a Good Time to (re)Start Budgeting?

When's a good time to start budgeting? Or start building any new habit?

Oct 02, 2017
293 - Is there Good Debt?

Is there such a good thing as good debt? Yes. Though it also can become bad if you aren't careful.

Sep 25, 2017
292 - Saving Kids from College

Maybe if we just didn't treat student loan as a viable option for paying for college...

Sep 18, 2017
291 - Identity Theft Protection and You...?

How to protect your identity without paying for an expensive monitoring service.

Sep 11, 2017
290 - Millenial Money!!!!

Millennial Money advice is the same as every generation's money advice.

Sep 04, 2017
289 - Headed to New York

I'm scared and excited to live in New York for a while.

Aug 28, 2017
288 - Breaking Routine

Routines were made to be broken.

Aug 21, 2017
287 - Looking Ahead (Mobile!)

Where I discuss our new mobile apps, and why.

Aug 14, 2017
286 - Materiality

Different partners may have different levels of budget materiality. What it is, and how to navigate it.

Aug 07, 2017
285 - Clarity Break

Everyone should be taking a clarity break.

Jul 31, 2017
284 - Wired to Acquire

We're programmed to amass, hoard, acquire. What do you do to combat that?

Jul 24, 2017
283 - The Debt Consolidation Myth

The launch of YNAB's new 80/20 guide, "The Debt Consolidation Myth"

Jul 17, 2017
282 - Going Back to Granular

Our epic failure to be less granular, and how I'm getting back to it with our own personal budget.

Jul 10, 2017
281 - Left-Handed

Sometimes starting something as a beginner again is just what you need for reinvigorating the budget.

Jul 03, 2017
280 - Watering to Death

Can too much of a good thing become a bad thing?

Jun 26, 2017
279 - Watering the Sidewalk

What are we doing when we water the sidewalk, but when we're really talking about budgeting?

Jun 19, 2017
278 - Weeds

What do weeds and budgeting have in common? Everything.

Jun 12, 2017
277 - Cold Showers

A discussion of the book "What Doesn't Kill Us" and why I'm now taking ice cold showers.

Jun 05, 2017
276 - Retreat!

Saving up so you can live it up.

May 29, 2017
275 - Deep Work

An Interview with an author of a book that changed my life and is required reading for the entire YNAB team. Every year.

May 22, 2017
274 - Unearthed Priorities

It turns out when you peel back the priorities onion, the core of it a lot of times is an experience, not an item.

May 15, 2017
273 - No Online Purchases in 2017

Julie set herself a goal for 2017.

May 08, 2017
272 - Settling in With Stuff

Is it possible to just settle in with your stuff and avoid some of the churn involved in repeat purchasing?

May 01, 2017
271 - The Herloom Toaster

All I wasn't is a toaster I can pass on to my children.

Apr 24, 2017
270 - Ownership Overhead

When you're buying something, you're also tacking a bunch of todos on to your list.

Apr 17, 2017
269 - The Cost of Ownership

When you're buying something, you're buying so much more.

Apr 10, 2017
268 - 1-844-YNAB-ING
Mar 27, 2017
267 - Your Debt Is Gonna Bury You
Mar 20, 2017
266 - Target Trouble
Mar 13, 2017
265 - Overspending
Mar 06, 2017
264 - Just A Budget Meeting
Feb 27, 2017
263 - Expenses Oh No
Feb 20, 2017
262 - Budget More
Feb 13, 2017
261 - Month One! In the Books!

Maybe you've only been budgeting a month. How's it going? What are some of the victories you've experienced?

Feb 06, 2017
260 - Getting a Reluctiant Partner on Board

In getting a reluctant partner on board with budgeting, you've got to play the long game.

Jan 30, 2017
259 - Why Most People Quit Budgeting

There's one reason why people quit budgeting (and most anything else).

Jan 23, 2017
258 - How To Start Over

With budgeting, the key might be to start over.

Jan 16, 2017
257 - Resolutioin-Proofing Your Budget

Here's how you budget so it sticks.

Jan 09, 2017
256 - Merry Christmas

Merry Christmas! I hope it was financially boring, but in every other way an exciting, restful, introspective time.

Dec 26, 2016
255 - Support Amids the Holiday Chaos

A shout-out to our support team that's teaching people to budget all through the holiday season!

Dec 19, 2016
254 - A Quick Look Back, and Talking About Going Forward

A look back at 2016 (our craziest year ever). A look forward to 2017. At least the first quarter.

Dec 12, 2016
253 - Budgeting is Boring. Let's All Just Admit That.

Let's face it. If you're doing it right, it's downright boring.

Dec 05, 2016
252 - Growing Old Together with Your Crazy Money

How the age of your money becomes even more important when your income has a wild side.

Nov 28, 2016
251 - Rule Two With a Wild Income

Rule Two times two (or three, or four) when it comes to a variable income.

Nov 21, 2016
250 - Can I Afford It? Yes! Oh...Wait

A question for the eternities: Can I afford this?

Nov 14, 2016
249 - Budget Fails with Variable Income

Why does variable income make budgeting so tough? Because we're budgeting wrong.

Nov 07, 2016
248 - March to Your Own Drum

It's your money (read: life), so march to your own drum.

Oct 31, 2016
247 - When the Money Itself Becomes a Priority...Watch Out.

If the balance in your account has morphed into its own priority, do a bit of a sanity check.

Oct 25, 2016
246 - A Report on Reports

A special podcast, because reports are here.

Oct 17, 2016
246 - A Report on Reports

A special podcast, because reports are here.

Oct 17, 2016
245 - Budgets & Butlers

Your budget is your deferential butler. Don't you agree, sir?

Oct 10, 2016
244 - We're Doing Workshops Now

We have workshops! You should give one a shot.

Oct 03, 2016
243 - A 100% Remote Company. And You Can Too.

How do you accomplish anything? Be thoughtful about what you want, and intentional about how to get it.

Sep 26, 2016
242 - But It's MY Car

My irrational reaction to not having my own car for 24 hours. What are yours?

Sep 19, 2016
241 - Cash for the Next House

Here's the #1 reason to pay cash for your next house.

Sep 12, 2016
240 - What Learning YNAB Looks Like

Stops, Starts, and Struggles. Be patient with yourself as you learn the YNAB Way.

Sep 05, 2016
239 - Blank Slate

Blank slating in life, and in budgeting, can be super insightful.

Aug 29, 2016
238 - Outsourcing

I've outsourced my fitness and nutrition. What about money?

Aug 22, 2016
237 - Thinking Aloud About "To Be Budgeted"

Making a number less confusing.

Aug 15, 2016
236 - Working at YNAB

An look inside the YNAB team.

Aug 08, 2016
235 - The Simple Path to Wealth

It really is a simple path. And J L Collins knows how to navigate it.

Aug 01, 2016
234 - Deep Work for Dialed In Priorities

Carve out time to do "Deep Work" so you can clearly understand your priorities.

Jul 25, 2016
233 - One of the Richest Men in the World was a Bookkeeper

One of the richest men in the history of the world was a bookkeeper. Mic drop.

Jul 18, 2016
232 - Treat Yourself

It's critical that your pace is intense, but sustainable.

Jul 11, 2016
231 - When You're Paid Every Day

How do you handle things when you're paid every day? The same way.

Jul 04, 2016
230 - Budgeting with a Partner

YNAB CCO, Todd Curtis, and I talk about couples and money, and why we recommend joining forces.

Jun 27, 2016
229 - Simplify: Decision Fatigue

YNAB CCO, Todd Curtis, and I discuss an argument for (and solid research backing) the idea of simplifying.

Jun 20, 2016
228 - Think Long, Act Now: Focus & Start Now

YNAB Chief Customer Officer, Todd Curtis, and I discuss focusing on long term goals by looking at the here and now.

Jun 13, 2016
227 - A Report on Our "Cash is King" Budget

A report on our "Cash is King" budget where I talk about the ups and downs experienced so far.

Jun 06, 2016
226 - Cars and the Identities that Drive Them

What kind of identity do you have wrapped up in your car? Just something to think about.

May 30, 2016
225 - Moments that Force You to Question Your Priorities

The budget should force a "revisiting" of priorities without necessarily having your hand forced externally.

May 27, 2016
224 - Think Long, Act Now: Savings & Your Budget

Why saving for its own sake can be dangerous.

May 16, 2016
223 - Deal w/ your Debt: Be Strategic

The end all be all strategy for paying down your debt.

May 09, 2016
222 - Deal w/ your Debt: Changing Habits

Steps to take before you take steps to pay down your debt.

May 04, 2016
221 - Interview with Author of "Odds On" Matt Hall

I talk with evidence-based investing advisor Matt Hall about, you guessed it, investing.

Apr 25, 2016
220 - Retreat! Retreat!

The ultimate experience as it relates to "Save up for it."

Apr 22, 2016
219 - Is Cash King?

What if I dramatically reduce our categories so we hit our goals, classify all online purchases as "online" and use cash for everything else?

Apr 11, 2016
218 - Quarter In Review

The New YNAB is three months old. How is it going? A bit behind the scenes.

Apr 05, 2016
217 - How Will You Feel When...

A question that goes a bit deeper than just giving every dollar a job.

Mar 28, 2016
216 - The Opposite of Spoiled

An interview with NYT bestselling author Ron Lieber about how to not raise spoiled kids...

Mar 21, 2016
215 - Managing Money Less

Is the ideal budget just four categories?

Mar 14, 2016
214 - One Year Same As Cash

Why do businesses always end up morphing into finance companies?

Mar 07, 2016
213 - Interview with Adam Carroll, Student Loan Expert

Where we talk about students and their debt, and "swipe technology."

Feb 29, 2016
212 - Rule Four Reloaded

Rule Four reloaded.

Feb 22, 2016
211 - Rule Three Reloaded

Rule Three reloaded.

Feb 15, 2016
210 - Rule Two Reloaded

Rule Two reloaded.

Feb 08, 2016
209 - Rule One Reloaded

Rule One reloaded.

Feb 01, 2016
208 - MVP

The "minimum viable product" strategy as it relates to software.

Jan 25, 2016
207 - Goals, Goals, Goals

There's a new feature in our latest version of the YNAB software, and we think you'll love it!

Jan 18, 2016
206 - January vs December

Christmas bills got you down? Make next Christmas better!

Jan 11, 2016
205 - I Changed My Mind

Sometimes, things just have to change.

Jan 04, 2016
204 - My New Baby

An exciting announcement from Jesse Mecham!

Dec 28, 2015
203 - Twas the Night Before Christmas

A new take on a classic Christmas story.

Dec 21, 2015
202 - Delayed Gratification

Don't worry. You've been saving up for this!

Dec 18, 2015
201 - A Container for Your Money

YNABer Question: How do I switch banks with YNAB?

Dec 07, 2015
200 - Perfect for Procrastinators

Hey Procrastinators, I have the perfect system for you.

Nov 30, 2015
199 - You Don't Have to be Frugal

Frugality. Consumption.

Nov 23, 2015
198 - A Budget Bucket List

Have a budget bucket list.

Nov 16, 2015
197 - What's the Difference Between YNAB and Mint?

Mint: Post-Mortem. YNAB: Minority Report

Nov 09, 2015
196 - Save Something

Save something, try just a dollar or two...

Nov 02, 2015
195 - The Four Disciplines of Execution

What Covey's "Four Disciplines of Execution" means for your budgeting.

Oct 26, 2015
194 - Question Everything

It's healthy and interesting to question all of your finances at least once a year. Here's why.

Oct 19, 2015
193 - Lump Sums (Like a Student Loan)

That student loan disbursement came in? You're not rich. You're broke.

Oct 12, 2015
192 - To Automate or Not To Automate, That is the (Lame) Question

It's not about automating or not, it's about eliminating tedium, and increasing awareness.

Oct 05, 2015
191 - What If You Didn't Have Reports?

If you could only have one report, what would it be?

Sep 28, 2015
190 - The Value of a Fresh Start

Every once in a while, the budget needs good shave. A fresh start, if you will.

Sep 21, 2015
189 - Map Your Progress

An Interview with Amy Jones, creator of the awesome Map Your Progress.

Sep 14, 2015
188 - College Is In Session!

College student with a big pile of loan disbursement: You're still broke. Please act like it!

Sep 07, 2015
187 - Changing Seasons, Changing Priorities

With the change in seasons, it's a good time to give your budget a fresh look.

Aug 31, 2015
186 - Mechams Unplugged

Where Julie and I broadcast our budget meeting (unedited) to the world. Take from it what you can, if anything.

Aug 24, 2015
185 - Saving Without a Purpose Isn't Saving At All

Why saving without a purpose isn't really saving at all. You know you've done this.

Aug 17, 2015
184 - Pay Off Debt or Save First?

Should you go crazy with your debt? Save some money? Both?

Aug 10, 2015
183 - Bills Are Paid...Now What?

What should be the order of prioritization once the necessities are taken care of?

Aug 03, 2015
182 - Dealing with Your Financial Scar Tissue

The past is in the past, but it still affects the future. Dealing with financial scar tissue.

Jul 27, 2015
181 - Meet Carrie, A Brand New YNAB User

We'll be following Carrie, a brand new YNABer, for an entire year! Learn as she learns.

Jul 20, 2015
180 - Why I'm on the Fence About Paying for College

Should I? Shouldn't I? I basically get to make you my therapist.

Jul 13, 2015
179 - Decision Fatigue

The budget lets you let go of so much cognitive overhead. Free yourself from decision fatigue.

Jul 06, 2015
178 - The Bucket List

Spend money. And then spend money for your Bucket List items. A bit about YNAB's bucket list policy.

Jun 29, 2015
177 - Guilt-free spending

The point of having money is to spend it. Also, an attorney joke that takes most of the time.

Jun 22, 2015
176 - Is that Budget Half Empty, or Half Full?

You can choose to think the budget is a prison, or a vista of endless possibilities. It's your call.

Jun 15, 2015
175 - The Dashmat Principle

High-ticket items deaden your sensitivity to spending amounts you would otherwise weigh carefully. Proceed with caution!

Jun 08, 2015
174 - Learn From Data, Don't Live For It

Don't be a slave to your data. Learn from it, and then focus on your priorities and goals moving forward.

Jun 01, 2015
173 - Pick a Card, Just One Card

Unless your hobby is credit card shenanigans, pick just one (maybe two) credit cards and call it good.

May 25, 2015
172 - Put Your Bills On Auto-Pilot

There's no value in the actual mechanics of paying your bill. Make it as easy as possible.

May 18, 2015
171 - Close An Account, Then Another

Question your financial scar tissue. Are all of those accounts still (really) necessary?

May 11, 2015
170 - Simplicity Matters

We want active engagement. Simplicity promotes that, which is why we like it.

May 04, 2015
169 - Pruning

When it comes to lasting, positive financial change, don't do what I did.

Apr 27, 2015
168 - Quarterly Checkup

It's that time of year for you to do a quick pause and evaluation. It'll do you good.

Apr 20, 2015
167 - The Gift of Tax Season

Windfall schmindfall. Just fall back on Rule One.

Apr 13, 2015
Special 03: Interview with Carl Richards - Self-Awareness

How much should you save? And would it be possible to not beat yourself up so much?

Apr 07, 2015
166 - Punching With the Rolls

When budgeting with a partner... Rule 3 can be tricky. How do you deal with overspending together?

Apr 06, 2015
Special 02: Interview with Carl Richards - Goals & Guessing

How do you view financial goals? What if you saw them more as guesses?

Mar 31, 2015
165 - Who's on First?

When budgeting with a partner... establish a workflow, ownership, simplification, etc.

Mar 30, 2015
Special 01: Interview with Carl Richards - Why?

It's a therapy session folks! Gettingn down to the WHY behind money will bring you absolute clarity. It's Rule One.

Mar 24, 2015
164 - There's No Party Like a Budgeting Party

When budgeting with a partner... have a regular budgeting meeting. Make it fun. 

Mar 23, 2015
163 - You Need Your Space

When budgeting with a partner.... have some individual space. You need some fun money. 

Mar 16, 2015
162 - Make It Joint

When budgeting with a partner... keep it simple. You merged your lives—merge your finances.

Mar 09, 2015
161 - Lay it All on the Table

When budgeting with a partner.... be clear about what you bring to the table. All of it. Debts, habits, passions, etc. 

Mar 02, 2015
160 - This One's for the Lovers

Budgeting with a partner (1st of a 7-part series): Be Clear About Priorities. Yours. Theirs. Y'alls. 

Feb 23, 2015
159 - Your Money or Your Life

A shoutout to a classic that everybody should read.

Feb 16, 2015
158 - YNAB's 10 Year Anniversary

A look back, with an anniversary four months late.

Feb 09, 2015
157 - When You're Spending More than You Bring In

Then budgeting is even more important.

Feb 02, 2015
156 - Happy Holidays

The 2015 holiday season is now upon us.

Jan 26, 2015
155 - Creating a Gasoline Hedge

Don't fritter away the temporary savings of low gas prices!

Jan 19, 2015
154 - The Reset

The new year is a great time to hit that Reset Button. One category at a time.

Jan 13, 2015
153 - It's All Rule One

"They're digging in the wrong place."

Jan 05, 2015
152 - PACE's Place

A lesson on focus.

Dec 29, 2014
151 - Retirement is Rule Two

The biggest rainy day you have is when you retire. Old-timer. ;)

Dec 22, 2014
150 - Finding the Best Personal Finance Software

There are Four Rules to YNAB's Method, but One Rule to rule them all.

Dec 15, 2014
149 - Android App Overhaul

The Android app looks great! It's available by the end of the day today for a free update.

Dec 08, 2014
148 - Peeling Away the Emergency Onion

The longer you use YNAB and follow the method, the fewer emergencies you have.

Dec 01, 2014
147 - Buying in to Tesla

How I'm buying in to Tesla ;)

Nov 24, 2014
146 - Dealing With Downs

Keeping your head up, when progress seems to be more backward than forward.

Nov 17, 2014
145 - Money is...

Viewing money for what it represents seems to lend itself to a pretty healthy outlook on life.

Nov 10, 2014
144 - PACE a New Book

PACE: A Small Business Owner's Guide to Complete Cash Flow Clarity.

Nov 03, 2014
143 - Content in the Moment

Facing the right direction brings peace. With pace playing second fiddle.

Oct 27, 2014
142 - Frugality is Boring

Frugality, for its own sake, is really, really boring.

Oct 20, 2014
141 - Living Within Your Means, Means Opportunity.

Living within your means frees up cash for saving or getting out of debt, but it is so much more than just that.

Oct 13, 2014
140 - Sometimes the Key is to Make More Money

Sometimes you've cut all you can cut, and it's time to increase the size of your shovel.

Oct 07, 2014
139 - Simplicity. An Interview with Dave, a YNAB Team Member

You have permission to keep it simple. Challenging assumptions.

Sep 29, 2014
138 - Scarcity, and Why I Love It

The one thing we don't talk about regarding debt, is that it kills scarcity. Scarcity helps you.

Sep 22, 2014
137 - Good Debt, Bad Debt

After a little YNABer feedback, I've decided to revise and extend my remarks on debt…focusing on good debt versus bad debt.

Sep 16, 2014
136 - Your One Priority

We talk a lot about priorities. here's my view on getting out of debt, as your single priority.

Sep 08, 2014
135 - Who's the Crazy Extreme One?

It's that age-old habit of humanity where we judge others quickly, but rarely examine our own insane behaviors.

Sep 01, 2014
134 - YNAB for iPad is here

YNAB for iPad is here. It's great. It's free.

Aug 25, 2014
133 - Stop

If something is really complicating YNAB for you, maybe stop doing that thing?

Aug 18, 2014
132 - Kaizen

Look to optimize, and simplify.

Aug 11, 2014
131 - My Semi-Annual Review

A promise to Julie, and some advice for business owners (and everyone).

Aug 04, 2014
130 - Make a Fresh Start

There's no shame in it. If you've quit YNAB, get started again. We've made the restart easy.

Jul 28, 2014
129 - Kids & Money

I may be pulling YNAB out of the equation for our kids and their money.

Jul 21, 2014
128 - Blackberries in August

A financial lesson learned in the Arizona summer heat, while picking blackberries for my dad, when I was ten.

Jul 14, 2014
127 - Clarity, Scarcity & Forecasting

A few thoughts on forecasting, scarcity, and clarity.

Jul 07, 2014
126 - Emergency Mode

 When you're in emergency mode, suddenly every purchase is justifiable. How do you avoid this flawed thinking?

Jul 01, 2014
125 - Tracking Time

I want to make some changes to how I spend my time. You can guess where this is going.

Jun 23, 2014
124 - PACE

Announcing a new "division" of YNAB, designed specifically for small business owners.

Jun 17, 2014
123 - Track What You Want to Change

The title says it all. If you don't want to change it, maybe you don't need to track it.

Jun 09, 2014
122 - Consumption vs. Creation

Create more than you consume, and develop a bias toward action.

Jun 02, 2014
121 - Chasing Credit Card Points

Beware the tendency to not scrutinize your credit card point purchases.

May 26, 2014
120 - Getting Things Done

Totally off-topic, but maybe till'll resonate with you. How I manage my To Dos.

May 19, 2014
119 - Well, Now What Do I Do?

When something financially unexpected happens, we all ask ourselves this same question. It's often seen as a negative, but let's turn that on its head.

May 12, 2014
118 - Disneyland and Assumptions

We spent a week at Disneyland, and I learned a few things about questioning our assumptions.

May 06, 2014
117 - How I Use Notes

YNAB's Notes feature is as flexible as your imagination. Let it run wild!

Apr 28, 2014
116 - Asserting Your Authority

Perhaps generosity benefits the giver in ways not previously considered.

Apr 21, 2014
115 - Changing Your Status Quo with Extreme Behavior


How to you change the status quo? Adopt an extreme behavior for a while, and let it teach you (in surprising ways) some new money lessons.
Apr 07, 2014
114 - Budget Category Overzealousness


Sometimes in your excitement to start budgeting, you take the whole "categorization" thing a bit too far. No?
Mar 31, 2014
113 - The Binge Before the Crackdown

Are you guilty of binging before you crack down? With dieting or budgeting, it's just not healthy

Mar 24, 2014
112 - The Cost of a Fat Checking Account

We discuss the opportunity cost of having a fat checking account because you're following the YNAB Way.

Mar 17, 2014
111 - Together or Separate?

If you're running a business with YNAB, should you have it as a separate budget, or part of the same file?

Mar 10, 2014
110 - One Hundredth of a Second

Luckily, budgeting has nothing to do with the olympics. Take another run as often as you want.

Feb 24, 2014
109 - Piano Practice, and Budgeting

The key, is to break it down.

Feb 17, 2014
108 - The Intangibles of Budgeting? Priceless

YNAB has a great dollar-for-dollar value proposition, but the intangibles of budgeting are even better.

Feb 10, 2014
107 - Winning Financially is Simple

Winning financially is simple. You just need a pen, a paper, and a plan.

Feb 03, 2014
106 - Saving for Its Own Sake

I think I save for its own sake, assuming there's something inherently good about saving "more," regardless of the fact that more remains undefined. Maybe I should relax.

Jan 13, 2014
105 - The Year of the Status Quo

YNAB had a banner year (thank you for telling your friends and family!). 2014 shall be the year of the status quo.

Dec 30, 2013
104 - Have Yourself a Merry Little Christmas

Since Julie took over the budget, things are green. Christmas is no different. We've been saving all year for it. It's exactly how you too, can have yourself a merry little Christmas.

Dec 23, 2013
103 - Timing Expenses to Save a Grand (or so) on Taxes

This "loophole" isn't a loophole at all. It's actually a plain Jane tax planning strategy that can be employed by almost anyone, with even the most boring of tax returns. You can contact Casey directly at

Dec 16, 2013
102 - When Your Tax Rate is 2000% (Not a Typo)

I've brought back my tax adviser, Casey Murdock, for another podcast. He should be your adviser too. We discuss the fringe world of tax credit and deduction phaseouts. You can contact Casey directly at

Dec 09, 2013
101 - When You Finance Anything, You Finance Everything

Inspired by Mark's blog post over on the blog, we discuss the very true (albeit depressing) principle that once you finance something, everything else you purchase is also "financed."

Dec 02, 2013
100 - A Look Back (and Forward) at YNAB

I reminisce, and then look forward.

Nov 25, 2013
099 - Real Estate Investing with YNAB

A discussion on how I use YNAB to manage our real estate investing.

Nov 18, 2013
098 - An Update on Julie Owning the Budget

This is awesome. Having Julie "own" the budget has been just short of revolutionary.

Nov 11, 2013
097 - The Most Radical Shift in Money Management to Ever Take Place in Our Household.

I've handed the Budgetingi Reins over to my wife, Julie. She'll do a better job, and our relationship will be even better for it. Here what lead up to this, and why it's going to be awesome.

Oct 14, 2013
096 - Mr Money Mustache's View on Retiring FAR Earlier Than the Norm (Take Two).mp3

An interview with  my favorite personal finance blogger, Mr. Money Mustache.  He retired at 30 years old, and he and his wife and son live a luxurious life on just under $30,000 per year.  THIS IS THE MOST IMPORTANT PODCAST YOU WILL LISTEN TO THIS YEAR. :)

Oct 07, 2013
095 - Soldier of Finance

An interview with Jeff Rose, CFP and author of Soldier of Finance. You can snag a chance for a free copy by going to

Sep 27, 2013
094 - Cellphone, Unshackled.

My thoughts on cellphones, not just smartphones, and how we're being sold a bill of goods that's costing us money, and decreasing quality of life. And yes, I'm going for "dramatic" here.

Sep 24, 2013
093 - Financial Priorities

Mark's blog post from a while back spurred this commentary.  My thoughts on financial priorities regarding the big picture, longer-term stuff.

Aug 19, 2013
092 - Just Show Up

With your budget, especially for those just starting, just show up. Keep it simple, do what you're told, and…just show up.

Aug 12, 2013
091 - Creation vs. Consumption

Sometimes creation trumps consumption purely for its own sake; where you're satisfied on a personal level, even though the math doesn't work.

Aug 05, 2013
090 - Boosting Income by Thinking Small

Sometimes the best way to start thinking about making extra income is to think small.  Really small.  Don't let visions of grandeur slow you down.

Aug 02, 2013
089 - Wildly Fluctuating Income

There are a few ways to apply Rule Two (Save for a Rainy Day) to your wildly fluctuating income situation. This also applies if you happen to receive windfalls, but are otherwise on a fairly steady income.

Jul 15, 2013
088 - Perfect is the Enemy of Good

Your budget will never be perfect, because you're dealing with imperfect variables (people, external events, and bad data).

Jul 08, 2013
087 - A Tactic for the Reluctant Spouse

The key is to give them a taste of how good it feels to save up and pay for something. Positive, achievable, and life-changing.

Jul 01, 2013
086 - It's Beginning to Look Halfway Like Christmas

(Holiday spending target - current category balance) / six months remaining = your monthly contributions for the rest of 2013.

Jun 24, 2013
085 - YNAB for the Freelancer

There are three secrets to budgeting successfully on even the wildest of variable incomes.  Here they are.

Jun 18, 2013
084 - Budgeting Late in the Month

If you just decide things are great, maybe a monthly budget is a bit too frequent…how long would you last before the lack of frequency/familiarity left you sinking back into your old ways?

Jun 11, 2013
083 - Control

YNAB's (very successful) headline on the homepage sends the message of "control," but most people say they don't like budgets because they feel controlled.  Which is it?

May 20, 2013
082 - The Age of Money

How old is the last dollar you spent?

May 13, 2013
081 - Handling Accounts Receivable in YNAB

This is a quick riff on how you could (quite easily) handle accounts receivable in YNAB.

May 06, 2013
080 - The Idea of Retirement is Really Starting to Bug Me.

This should probably just be a replay of my interview with Leo from  The key to money (and probably everything else in life) is to be happy in the moment.

Apr 29, 2013
079 - Patience.

The pathway to wealth is paved with patience.

Apr 23, 2013
078 - The Black Box of Spending

Your "Miscellaneous" category is a black box of spending. Is that spending a reflection of your values? Or are you being lazy? And should you care anyway? We discuss :)

Apr 15, 2013
077 - Why Roths are Better than Regular IRAs

This is the end of that debate.

Apr 08, 2013
076 - Taxes and Timing

Having the choice to create a taxable event (or avoid one) is extremely powerful when it comes to minimizing your life's single biggest expense.

Apr 01, 2013
075- How I Tripled My Money in the Stock Market

It involved a company that made karaoke machines. I got lucky.

Mar 25, 2013
074 - Your Kids Need a Budget

I take a few minutes to explain how we use YNAB with the kids.  We have five kids, so there's proof that it scales.

Mar 18, 2013
073 - Your Life on a Treadmill

Anyone can keep pace when the treadmill is level, you're not carrying any extra weight, and the speed is slow. But what happens when Big Events change that? What drove you to the point where you thought, "We need a budget!?"

Mar 11, 2013
072 - Sowing Seeds of Money Happiness

What causes discontent with money? What influences how you spend your money, what you value, and whether you're truly happy?

Mar 04, 2013
071 - The Key to Reinventing Yourself (Bit by Bit)

I interview my favorite Behavior Designer of all time, BJ Fogg of the Standford Persuasive Technology Lab.  BJ and I discuss key principles for creating lasting, positive behavior change in your life.  You'll love this.

Feb 25, 2013
070 - I'm Saving This Money. (For What?!)

Savings without purpose is savings frittered away. Make sure you're saving with purpose!

Feb 18, 2013
069 - Managing Your Life's Single Biggest Expense

An interview with my tax advisor, and the author of Tax Insight, Casey Murdock. He's a tax genius, and he saved me 20k in taxes a few years ago. Case closed!

Feb 11, 2013
068 - Budgets are Sexy. An Interview with J. Money.

I get to interview a fellow man-cave enthusiast and personal finance blogger who writes one of my favorite money blogs: Of course I'd like it.

Feb 04, 2013
067 - Spending Tens of Thousands of Dollars is So Easy

More about our car purchase from December. Now that the dust has settled, here's what's really freaking me out.

Jan 28, 2013
066 - Big Goals, and Nothing Else Matters

If you're getting the big goals taken care of, nothing else really matters.

Jan 21, 2013
065 - "YNAB Works" is Here!

I'm pleased to announce the launch of "YNAB Works!" A Home Study Guide+DVD Video package for schools, clients, kids of awesome parents, employees…basically anyone you care about :)

Jan 14, 2013
064 - My Financial Life

Instead of takling about how we budget, which is just how I teach, and nothing special. I wanted to discuss everything else financial, how and why I do the things I do, and let you then draw your own conclusion. I'm no expert on this, butit may give you some ideas.

Jan 07, 2013
063 - The Farmhand Who Slept Through Anything

Are you finances managed with the future in mind? Where YOU could sleep through anything?

Dec 31, 2012
062 - Bought a Car, Broke Both My Rules

I have two rules when it comes to buying a car. Don't buy new, and don't finance it.  Broke both of those.

Dec 24, 2012
061 - Friction.

When you're in a job you don't like, there's friction, because you're not spending your time doing something you love. When your money's misbehaving, there's friction. Because your money isn't doing things you love.

Dec 17, 2012
060 - No More Harvard Debt! How One Guy Paid of $90k of Debt in Seven Months

My interview with Joe Mihalic, who paid off $90,000 of debt in 7 months, because he got intense, got focused, and made it happen. You can catch Joe's book on Amazon (for $2.99) called Destroy Student Debt - a Combat Guide to Freedom. 

Dec 10, 2012
059 - What Will Your Holidays Look Like in 2013?

What will your holiday season look like 13 months from now? And why am I making you think about it?!

Dec 04, 2012
058 - I can list all the clothes I own. You?

I'm throwing down here. Not really. Did a major, MAJOR closet cleaning, and it feels GREAT!

Nov 26, 2012
057 - When Debt is an Addiction.

In this interview, I speak with Linda I (psuedonym), a Debtor's Anonymous participant. The program deserves a serious look if you, or someone you know, has a serious debt addiction.

Nov 19, 2012
056 - How to Protect Yourself From Identity Theft (in a few minutes)

It turns out that protecting yourself from Identity Theft doesn't mean you have to give up Facebook (whew), or stop shopping online (whew, love me some Amazon Prime). I interview Robert Siciliano, an ID Theft Expert, and he basically put me at ease on the whole situation.

Nov 12, 2012
055 - You're an Air Traffic Controller

My little brother got his wings from the Air Force this weekend, and on the tour, I got to see an air traffic control room. Guess what it reminded me of?

Nov 05, 2012
054 - Your Car is a Wealth Sucking Parasite.

If you're like most (and you probably are), you're driving too much car. Consider how it just might be keeping you from the financial goals you REALLY care about.

Oct 29, 2012
053 - A Behind the Scenes Look at How YNAB Started, and Where We're Headed

This is epicly long. My first goal with YNAB was to make our $350 rent. And now in 2011 we were Utah's 9th fastest growing company. Who…woulda…thought.

Oct 22, 2012
052 - An Interview with Jon Stein of Betterment--You CAN Invest!

I love what Jon Stein's doing over at Betterment. If you're afraid of investing, you should listen to this. If you want to be lazy about your investing, you should listen to this.

Oct 15, 2012
051 - Quality, and the Law of the Harvest

If I ever start another company, it will be to make a toaster so well-built, you'll pass it on to your grandkids. Has the "cheaper is better" skewed our instincts that used to follow the law of the harvest?

Oct 08, 2012
050 - A Startling Statistic Strikes Fear in My Heart. You?

What's your retirement savings rate? Have you started saving for retirement? What aspects of your retirement nest egg are actually in your control?

Oct 01, 2012
049 - The New Retirement. An Interview with Todd Tressider of

Todd was a panelist at FinCon12, where the topic was the new retirement. I was impressed by Todd's analytical approach, and approachableness (is that a word?) on the topic. He also managed to find financial freedom by age 35. And by "find", I mean work his tail off to get there.

Sep 24, 2012
048 - Achieving Money Zen. An Interview with Leo Babauta of

I LOVED doing this interview! Leo really helped me think through priorities, gaining clarity, and determining what matters. I'm more zen-like because of it :)

Sep 17, 2012
047 - How Much Money Does it Take to Be Happy?

The study says $70,000 and it's gotten me thinking about downsizing. Not the house really, just in general. Though nothing's off the chopping block just yet.

Sep 10, 2012
46 - You're Never Really Saving Money...

You're not really saving money. You're simply acknowledging future expenses.

Sep 03, 2012
045 - Get Organized with Jill Pollack!

I interivew Jill Pollack, an organization expert, and host of "Consumed", a one-hour de-cluttering/life-changing TV show for HGTV Canada. She shares some great tips on finding some breathing room with your stuff!

Aug 27, 2012
044 - Taking Care of Your Family, No Matter What

As part of the #LifeAware Life Insurance Movement, I bring on special guest, Jeff Rose, Cerftified Financial Planner, founder of Alliance Wealth Management, and blogger at

Aug 22, 2012
043 - Why Aren't You Getting Ahead?

You may make "good money", but you don't feel like you're getting ahead. You just don't think you're gaining any traction. You may not have a good grasp on your True Expenses.

Aug 20, 2012
042 - Interview with Dan Miller on Careers, Goals & Passion

I set out to have Dan talk about pursuing your passion, and it ended up turning a bit into my own personal coaching session! Dan Miller is a best-selling author, speaker, and career coach. We discuss careers, goals, passions, and more.

Aug 13, 2012
041 - Credit Card Pros and Cons

If you carry a credit card balance from month to month, your credit cards should be destroyed. If you're operating by YNAB's 4 Rules, Credit Cards offer some advantages.

Aug 06, 2012
040 - Success Story: Motivational Speaker Gets Motivated by YNAB

I interview Joe, a motivational speaker that was motivated to change his finances for the better. He's also started using YNAB in a very unique way -- and it has nothing to do with money!

Jul 30, 2012
039 - When a Spouse isn't On Board

I'm no marriage counselor, but I do sell for a living, and I think you have to sell your Spouse on budgeting.

Jul 23, 2012
038 - The Most Important Number in Retirement

There's always lots of talk about your "nest egg" in retirement…and lots of sexy-sounding words when it comes to investing (ETF! Diversification!) but the most important number is the one that's never talked about.

Jul 16, 2012
037 - What IS YNAB Anyway?

In the wake of an eventful, learning-filled, stressful launch of YNAB 4…what IS YNAB?

Jul 02, 2012
036 - YNAB 4 is Here. But it's Not Why YNAB Works

New software is great (and YNAB 4 really is great), but the software isn't the reason YNAB works.

Jun 25, 2012
035 - Unexpected Slowdowns & Water Shortages

I returned from a 50-mile backpacking trip in a fairly remote area of Utah. Of course every single thing I experienced can be tied back to budgeting. Because budgeting is awesome.

Jun 18, 2012
034 - Success Story: Debt Free and Loving It

Bill has been using YNAB for three years, along with Dave Ramsey's Total Money Makeover method. They're debt free, and are working to pay down their mortgage as fast as possible.

Jun 11, 2012
033 - A Week in the Wilderness

Prepping for a 50-mile hike is a lot like the monthly budget meeting. This topic is oozing metaphors.

Jun 04, 2012
032 - How I Paid Off My Mortgage Before I Turned 30

Kind of hesitant to share this, because up until now I haven't made it public. But what the heck. The key for me paying my home off before I turned 30 was incessant focus, and long hair.

May 28, 2012
031 - Success Story: Where There's a Will...

Will has been using YNAB for about five months and, since he only had nice things to say about it, I thought he made a great success story ;)

May 21, 2012
030 - Trends in Finance (Look Out!)

More things change, the more they stay the same. Banks want you to borrow money--badly. And there are some interesting developments in the Personal Finance Management (PFM) space to help you do just that. Here's a heads up.

May 14, 2012
029 - So..Should You Start Over?

What's the harm in starting over? What are some good reasons to hit the 'reset' button, and when should you keep on truckin'?

May 07, 2012
028 - Are You a Budget Failure?

What does it mean to fail at budgeting? It, frankly, doesn't mean much of anything.

Apr 30, 2012
027 - What Does the Ideal Budget Look Like?

A rambling discussion of accounts, categories, cash, and just trying to do everything you can to simplify your budget process, while still deriving all of the benefit it provides.

Apr 23, 2012
026 - Backpacking and Rationing

When backpacking, you don't eat all of your food the first day. When you receive a paycheck, you don't spend all of your money the first day either. Also, handling a wildly variable income.

Apr 16, 2012
025 - Success Story - Bible Study Group

This church out of Idaho has been using YNAB as part of their bible study groups -- for SIX YEARS. I have a long conversation with them about how it's helped them, what they'd like to see improved, and tacos.

Apr 09, 2012
024 - The Disaster Effect

When it rains, it pours, right? Sometimes that's our own doing (and demise). Financially speaking, of course.

Apr 02, 2012
023 - Reality and Unleashing Your Will

If you're not operating in reality, you don't know what you want. If you don't knowo what you want, you won't get it.

Mar 26, 2012
022 - YNAB for Your Business?

Can YNAB serve your business just as well? Well, YNAB's serving YNAB well.

Mar 19, 2012
021 - Your Budget Boiling Point

Your budget has a boiling point. Dial it back a few notches so you can stick to your budget for the long haul.

Mar 12, 2012
020 - Success Story- Musicians Rock with YNAB

I talk with Mason (who created our podcast bump music)  about how his finances are now rockin' with YNAB.

Mar 05, 2012
019 - Halftime Adjustments

Five minutes trying to convince you that adjusting your budget is not only correct, it's a best practice.

Feb 27, 2012
018 - Too Poor To Budget

Are you too poor to budget? Absolutely not!

Feb 20, 2012
017 - The Debt Snowflake

The debt snowball is tried and true, but what's the debt snowflake? It's more effective than it sounds :)

Feb 13, 2012
016 - The Double-Edged Sword of Automation

Automation is a two-edged sword. Used wisely, it will revolutionize your finances. Used poorly, it will do nothing for you (it may even hurt you, in a financial way).

Feb 06, 2012
015 - Ignoring Life's Biggest Expense is Folly

Taxes are your life's single biggest expense. Cozy up with the tax code and minimize as if your financial life depended on it!

Jan 30, 2012
014 - Success Story: From Doing Fine to Awesome

A YNAB success story interview with Brian from Portland. We wax philosophical about present you, and future you (Rules One & Two), and Brian talks about his transition from Quicken.

Jan 23, 2012
013 - An Interview with Baker from

Baker and his wife had an epiphany the night their daughter was born. With the answer to one simple question, they found freedom. This will get you thinking!

Jan 16, 2012
012 - An Interview with Carl Richards, Author of "The Behavior Gap"

"Simple ways to stop doing dumb things with money" is the tagline of Carl's book, "The Behavior Gap".  Stop doing dumb things when it comes to investing? I'll take one of those please!

Jan 09, 2012
011 - A New Year's Crash Course

Erin Lowell, YNAB's head of Education, jumps onto the program to introduce our new New Year's Crash Course. One more way to help you get this money thing done RIGHT.

Jan 02, 2012
010 - YNAB Gets a New Site Design!

I discuss some of the whys behind our 12/2011 site redesign.

Dec 26, 2011
009 - Success Story: a Quicken Junkie Convert!

I interview Sheridan from Orange County, California.  She's now been using YNAB for 2.5 years, and won't be going back to Quicken any time soon!

Dec 19, 2011
008 - 3 Tiny Habits, Big Takeaways

I relate my experience with BJ Fogg's 3 Tiny Habits program, and how that ties in so beautifully to budgeting--specifically staying on top of recording your transactions.

Dec 12, 2011
007 - Christmas, Weak Reports, the Best Report of All

A few words on Christmas, why January's so important to your Christmas spending, and weak reports. Also, a hat tip to the best report of all.

Dec 05, 2011
006 - The Budget and Slow Suffocation

One of the more embarrassing moments of my teenage years taught me a great lesson about budgeting, breathing, and the crushing effects of five pounds.

Nov 28, 2011
005 - Success Story: a Cut in Salary, and Freelancing

An interview with Brian from Massachusetts, a freelance video editor, that now feels content--even with a large drop in income.

Nov 21, 2011
Episode 004 - Lavish Spending (on Purpose)

Lavish spending. Your budgeting indulgence. No judgement here, as long as it's purposeful and done with total awareness.

Nov 14, 2011
Episode 003 - The Power of Rule Two (Plus Rule One)

The basics of Rule Two (Save for a Rainy Day), and then how you combine Rules One and Two to begin making VERY good financial decisions. This episode will answer the question you may have asked yourself, "I make enough. Why aren't I getting ahead?"

Nov 07, 2011
Episode 002 - Setting and Achieving Mini Financial Goals (Budgeting)

Wait, I thought we were budgeting.  What's all this talk about goals, mini-goals, and habits? Yeah, you're not budgeting. You're becoming an unbelievably effective goal setter/reacher.

Oct 31, 2011
Episode 001 - Stop Living Paycheck to Paycheck

70% of people live paycheck to paycheck, but did you know the interesting part of that statistic that isn't often quoted?  It will surprise you, and perhaps spur you on to decide that $1000 is the new $0.  Rule Four, "Stop Living Paycheck to Paycheck" is discussed as it relates to doing hard things :)

Oct 24, 2011