You Need A Budget (YNAB)-logo

You Need A Budget (YNAB)

Advice

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.

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.

Location:

Provo, UT

Description:

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.

Twitter:

@ynab

Language:

English


Episodes

EP07 Money Stories: Student Debt? No Problem. Staying Positive During Debt Paydown with Abbie Shepherd

5/12/2021
In today's episode of Money Stories, Jesse chats with Abbie Shepherd, a clinical psychologist who recently earned her PhD and is working her first real job after her long journey in higher education. Most people understand that earning a PhD takes a lot of academic rigor, but few realize that it is very taxing on the budget as well. In addition to incurring student debt during the multi-year PhD process (usually preceded by a Masters degree and Bachelors degree, for which you may incur debt...

Duration:00:30:19

Taking Action on Your Ideas with Noah Kagan

5/10/2021
Jesse chats with marketer and entrepreneur Noah Kagan, former Director of Marketing at Mint, former Facebook employee, and currently the owner of AppSumo, a daily deals website which offers entrepreneurs discounted software from top software companies. In a sprawling conversation, they touch on the critical importance of taking action on your ideas in business, determining why you want money in the first place, setting one-year gameplans, and more. AppSumo https://appsumo.com Noah...

Duration:00:44:35

YNAB and the Vocabulary of Finance

5/5/2021
Assets? Liabilities? Balance sheet? FBI's? What does it all mean? Jesse helps you understand some of the basic financial terms that come up often in YNAB, as well as some YNAB-specific lingo related to the software and the budgeting process. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Duration:00:07:38

YNAB Features You Didn't Know Existed

5/3/2021
Jesse walks through some hidden features of the YNAB software you probably didn't even know existed! Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Duration:00:04:12

Budgeting for a Baby with Chelsea Brennan (Smart Money Mamas)

4/28/2021
While there's no way to prepare for being a parent without actually becoming a parent, you can prepare financially for the experience. Chelsea Brennan shares some tips on how to do this, and what kind of difficult conversations you need to have with your spouse and family as part of the process. After a successful career as an equity analyst and hedge fund portfolio manager on Wall Street, Chelsea became a mom and followed a new passion in life -- helping other moms be more financially...

Duration:00:35:36

YNAB and Privacy

4/26/2021
At YNAB your data is exactly that -- YOUR data. Financial data is personal and sensitive, and as Jesse explains, YNAB does not and will not touch that! Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Duration:00:05:50

Set Boundaries, Get More Done with Jeff Sanders (5AM Miracle Podcast)

4/21/2021
Jesse chats with productivity master Jeff Sanders, host of the 5AM Miracle podcast. As the title of his podcast suggests, Jeff loves to wake up early, but he doesn't necessarily think you should. Instead, Jeff focuses on setting clear boundaries around your work time, family time, and personal development time (especially physical fitness). Especially in the remote working arrangements that are increasingly common today, it's important to separate the home office from the kitchen, living...

Duration:00:22:47

EP06 Money Stories: How YNAB Saved Erika from Drowning In Debt

4/19/2021
In today's money story, Jesse chats with Erika, a 32 year old married woman who found herself struggling in the deep end of credit card debt. Until YNAB, Erika always managed her money with her bank statements -- if there was enough for her current outflows, good! There wasn't much of a plan or cushion for surprises, however. Shortly after getting married Erika began to feel trapped in her debt payments, which had become burdensome due to the credit card debt she and her husband had...

Duration:00:34:07

Own the Muddy Parts of Your Story with Mary Marantz

4/14/2021
Jesse chats with author Mary Marantz about her book Dirt, the story of her life journey growing up in poor, rural West Virginia to eventually attending Yale Law. Mary grew up with a strong, hard working father who instilled in her a vigorous work ethic and a love for her hometown. However, her working class roots cast a shadow of doubt over how high she could climb in the world, and how qualified she could feel amongst those from different, more economically priveleged backgrounds. Dirt is...

Duration:00:35:38

Student Loans Are Frozen, But You Are Not

4/12/2021
Student loan payments have been frozen for several months due to COVID-19, but that doesn't mean your budget has to be frozen. Jesse strategizes ways for you to address student loans during the grace period. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Duration:00:06:21

How Does She Do It? Managing Time in a Busy Life | Laura Vanderkam & Sarah Hart-Unger

4/7/2021
Jesse chats with Laura Vanderkam and Sarah Hart-Unger, two time management experts and the hosts of the Best of Both Worlds Podcast, a show all about balancing busy lives and careers. Sarah is a pediatric endocrinologist while Laura is a writer (and author of I Know How She Does It), and both of them are also busy mothers. While they approach the challenges of time management with different strategies, they are both experts in making things fit in a busy life without getting burned...

Duration:00:31:28

How to Go From Two Incomes to One

4/5/2021
Whether it's because of changing careers, preparing for a child, or some other life event, you and your partner may need to downsize from two incomes to one. This has a major impact to your budget! But, with some planning, you can make a smooth transition. The easiest way, Jesse says, is to live on a single income before actually losing the second income. With a little help from YNAB, you can practice this and ensure that when the second income goes away, you know how to make your dollars...

Duration:00:07:09

What Does College Really Cost? Ron Lieber Explains

3/31/2021
New York Times columnist and bestselling author Ron Lieber joins the podcast for a frank discussion about the ever rising cost of college and whether it's even a good idea for young people today. Evaluating the true cost of college, as it turns out, is essentially a budgeting exercise. There's the sticker price for tuition and room and board, but the real analysis lies in examining the hidden costs, as well as the hidden benefits. Ron Lieber helps us break those down and demystify the...

Duration:00:49:46

How to Time a Home Purchase

3/29/2021
Buying a house is a stressful experience, especially in the current market where low supply and high demand have pushed prices up and up. Naturally, house shoppers worry about overpaying for a house, or whether they've overpaid for a house they've already bought. We'd all like to perfectly time the market and buy at the lowest possible point, but it's very difficult to do. Jesse reminds house shoppers to check in with their reasons for owning a house before they worry. Is your house a...

Duration:00:05:36

Budgeting and... Nutrition? How The Four Rules Can Improve Your Eating Habits with Kali Langevin

3/24/2021
What does budgeting have to do with nutrition? A lot, actually, explains Kali Langevin, a nutritionist and Registered Dietitian who has spent 16 years working with athletes in United States Soccer Federation. Kali is also a long time YNAB user, and joins the podcast to explain how the Four Rules can be applied to nutrition. Much like Jesse encourages people to be mindful of their spending habits -- giving dollars jobs that accomplish the things that you value -- Kali encourages people to be...

Duration:00:38:14

EP05 Money Stories: From $30k Debt to "CoastFI" with Diania Merriam

3/22/2021
This week's Money Story comes from the vivacious Diania Merriam, founder of the EconoMe Conference which brings together speakers in the FIRE movement (Financial Independence, Retire Early). After finding herself working for a decent salary in NYC but falling deeper into debt, Diania decided to pull her head out of the financial sand and figure out where her finances stood. Around the same time, a friend introduced her to the Mr. Money Mustache blog and the concept of FIRE. Armed with...

Duration:00:38:37

The ONE Thing Keeping You from Reaching Your Goals with Geoff Woods

3/17/2021
Jesse chats with Geoff Woods, President of ProduKtive, the training company behind the bestselling book The ONE Thing by Gary Keller and Jay Papasan. After leaving a high-stress and ultimately unfulfilling job in medical device sales, Geoff set out to surround himself with successful mentors. Eventually Geoff found Gary Keller and Jay Papasan, and immersed himself in their philosophy of the "one thing," that is, the concept of relentlessly pursuing the single most impactful thing you can do...

Duration:00:50:17

Optimizing Your Car Budget... Not Really

3/15/2021
Jesse attempts to give some advice on purchasing a car... before admitting that he has no advice to give! Well, maybe a bit of advice. Jesse reminds us that optimizing your budget involves optimizing for YOUR needs and wants. Jesse chooses to lease a Tesla to drive around in, because he wanted to have as little headaches with car maintenance as possible. That's important to him today, but ten years ago his needs and wants were totally different, and thus the things he chose to optimize his...

Duration:00:07:32

Know Your Enneagram, Know Yourself with Ian Morgan Cron

3/10/2021
Bestselling author Ian Morgan Cron introduces the Enneagram, a personality typing system which identifies nine different personality types, their motivations, strengths, and weaknesses. As Ian explains, understanding your enneagram can help you better understand your motivations for why you want to do the things you do, which has direct implications in budgeting. Understanding the motivations and perspectives of others, especially those with polar differences in personality, can help you...

Duration:00:47:29

Here's the Ideal Budget

3/8/2021
Jesse reminds us that the ideal budget... is the budget which helps you achieve your goals and values. And those goals and values can, and will, change over time! Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Duration:00:04:25