Cover image of You Need A Budget (YNAB)
(549)

Rank #86 in Education category

Education
Kids & Family

You Need A Budget (YNAB)

Updated 6 days ago

Rank #86 in Education category

Education
Kids & Family
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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.

Read more

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.

iTunes Ratings

549 Ratings
Average Ratings
423
66
29
15
16

Life changing

By randeeotte - Oct 03 2019
Read more
Jesse’s method and software is honestly life-changing. Thanks for teaching us the way and keeping us on track with the podcasts.

Love YNAB!

By @jeremiahdmartin - Oct 26 2018
Read more
I love you need a budget, and I love this short, motivational podcast!

iTunes Ratings

549 Ratings
Average Ratings
423
66
29
15
16

Life changing

By randeeotte - Oct 03 2019
Read more
Jesse’s method and software is honestly life-changing. Thanks for teaching us the way and keeping us on track with the podcasts.

Love YNAB!

By @jeremiahdmartin - Oct 26 2018
Read more
I love you need a budget, and I love this short, motivational podcast!

Listen to:

Cover image of You Need A Budget (YNAB)

You Need A Budget (YNAB)

Updated 6 days ago

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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.

338 - Budgeting is Spending

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Budgeting is spending; nothing more, nothing less.

Sign up for a free 34-day trial at www.youneedabudget.com

Aug 13 2018

4mins

Play

106 - Saving for Its Own Sake

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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

9mins

Play

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

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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

14mins

Play

Bonus Episode: Kristy Shen and Bryce Leung Interview

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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 www.youneedabudget.com

Jul 09 2019

43mins

Play

309 - You Have a Spending Problem

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

Jan 22 2018

3mins

Play

123 - Track What You Want to Change

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

Jun 09 2014

2mins

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Bonus Episode: Ramit Sethi Interview

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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 www.youneedabudget.com

May 14 2019

40mins

Play

107 - Winning Financially is Simple

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

Feb 03 2014

9mins

Play

078 - The Black Box of Spending

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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

4mins

Play

092 - Just Show Up

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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

5mins

Play

230 - Budgeting with a Partner

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

Jun 27 2016

9mins

Play

228 - Think Long, Act Now: Focus & Start Now

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

Jun 13 2016

8mins

Play

136 - Your One Priority

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

Sep 08 2014

19mins

Play

275 - Deep Work

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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

30mins

Play

229 - Simplify: Decision Fatigue

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

Jun 20 2016

9mins

Play

130 - Make a Fresh Start

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

Jul 28 2014

3mins

Play

Rule One Broken Down

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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 www.youneedabudget.com

Aug 19 2019

5mins

Play

The Ideal Budget

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Data and the ideal budget.

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Jun 24 2019

4mins

Play

Categories Below the Line

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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 www.youneedabudget.com

Oct 28 2019

5mins

Play

Fixing the Paycheck to Paycheck Cycle

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Jesse discusses payroll advances in relation to age of money.

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Sep 16 2019

6mins

Play

Handling Wildly Variable Income

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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 www.youneedabudget.com

Dec 02 2019

6mins

Play

A Business Podcast?

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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 podcast@youneedabudget.com and share your thoughts!

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Nov 25 2019

3mins

Play

Why?

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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 www.youneedabudget.com

Nov 18 2019

3mins

Play

Sowing the Seeds of FI

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"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 www.youneedabudget.com

Nov 11 2019

9mins

Play

Arbitrary Milestones

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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 www.youneedabudget.com

Nov 04 2019

6mins

Play

Categories Below the Line

Podcast cover
Read more

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 www.youneedabudget.com

Oct 28 2019

5mins

Play

Nickeled and Dimed

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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 www.youneedabudget.com

Oct 21 2019

4mins

Play

Sure We Could. If We Had To

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"We could spend less if we wanted to."

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Oct 14 2019

5mins

Play

2FA FTW

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New feature alert: two factor authentication

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Oct 07 2019

4mins

Play

Everyone's a Lender

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Everyone is getting into the lending money game. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Sep 30 2019

4mins

Play

Payday Lender...Apps

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Jesse discusses payroll advance apps.

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Sep 23 2019

6mins

Play

Fixing the Paycheck to Paycheck Cycle

Podcast cover
Read more

Jesse discusses payroll advances in relation to age of money.

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Sep 16 2019

6mins

Play

Rule Four and Waistlines

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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 www.youneedabudget.com

Sep 09 2019

8mins

Play

Rule Three is War

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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 www.youneedabudget.com

Sep 02 2019

5mins

Play

Rule Two Broken Down

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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 www.youneedabudget.com

Aug 26 2019

7mins

Play

Rule One Broken Down

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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 www.youneedabudget.com

Aug 19 2019

5mins

Play

DIY FTW

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How do we curb the immediacy bias with DIY?

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Aug 12 2019

11mins

Play

Singular Focus on the Shovel and its Size

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How many dollars are you sending to your retirement fund? Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Aug 05 2019

5mins

Play

Testing Rounding Up

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Jesse reviews the automated investing app, Acorns. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Jul 29 2019

5mins

Play

Is it Going Up?

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The rock solid measure of whether or not you're succeeding Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Jul 22 2019

4mins

Play