You Need A Budget (YNAB)

By Jesse Mecham

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Description

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

Episode Date
331 - Sacreligious Budgeting
12:06

An unconventional experiment to deal with a clothing category

Jun 18, 2018
Ep 01 Debt Story: Meet Angela
13:59

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
09:30

The emergency fund that's gathering dust.

Jun 11, 2018
328 - Why Only Budget What You Have?
09:26

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
07:17

A plea for blind trusts for the everyman.

May 28, 2018
326 - Renting vs. Buying
05:51

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
12:24

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
09:30

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
37:13

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

Apr 30, 2018
322 - Buyer's Remoreselessness
04:46

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

Apr 23, 2018
321 - Let It Go
05:44

Sometimes you just have to let it go.

Apr 16, 2018
320 - Where Has Zero Gone?
10:40

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

Apr 09, 2018
319 - YNAB / Intuit Acquisition
05:52

The biggest news we've ever shared.

Apr 01, 2018
318 - Ever the Optimizer
03:09

Stop optimizing and be content with pace.

Mar 26, 2018
317 - The Greatest Showman
05:12

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

Mar 19, 2018
316 - "The Mexican Fisherman"
03:54

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

Mar 12, 2018
315 - Savings: Undetected.
07:41

A little experiment to amass a lot of money.

Mar 05, 2018
314 - What do you mean, means?
05:39

How you define means makes all the difference.

Feb 26, 2018
313 - Non-Negotiables
10:09

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

Feb 19, 2018
312 - MASH
04:56

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
02:49

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

Feb 05, 2018
310 - Pay Yourself First
04:08

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

Jan 29, 2018
309 - You Have a Spending Problem
03:59

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
04:03

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"
02:46

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

Jan 08, 2018
306 - My Favorite Time of Year
04:26

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

Jan 01, 2018
305 - Merry Christmas, A Gift You Can Give Me :)
50

Merry Christmas! That is all.

Dec 25, 2017
304 - Going Back to Your Roots
02:24

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

Dec 18, 2017
BONUS - A Conversation with Celia Benton
21:23

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
13:54

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
303 - Holiday Limits
02:19

Keeping the holidays merry--within limits.

Dec 11, 2017
BONUS - A Conversation with Matthew Dricci
12:04

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
BONUS - A Conversation with Jonathan Dale
11:52

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
08:35

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
17:01

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"
04:24

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

Nov 27, 2017
301 - Black Friday Cometh
06:03

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

Nov 20, 2017
300 - Planned Spontaneity
03:42

For the spontaneous people.

Nov 13, 2017
299 - Experiences? Priceless.
03:55

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

Nov 06, 2017
298 - Loose Change, or Lose Change?
03:25

At what point should you stop tracking cash?

Oct 30, 2017
297 - Do I Still Need a Budget?
02:52

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
03:44

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

Oct 16, 2017
295 - Lifestyle, Creep!
11:05

Do you suffer from lifestyle creep? I do.

Oct 09, 2017
294 - When's a Good Time to (re)Start Budgeting?
03:36

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

Oct 02, 2017
293 - Is there Good Debt?
06:13

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
06:24

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...?
04:19

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

Sep 11, 2017
290 - Millenial Money!!!!
06:06

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

Sep 04, 2017
289 - Headed to New York
04:53

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

Aug 28, 2017
288 - Breaking Routine
03:41

Routines were made to be broken.

Aug 21, 2017
287 - Looking Ahead (Mobile!)
04:41

Where I discuss our new mobile apps, and why.

Aug 14, 2017
286 - Materiality
03:20

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

Aug 07, 2017
285 - Clarity Break
03:00

Everyone should be taking a clarity break.

Jul 31, 2017
284 - Wired to Acquire
04:55

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

Jul 24, 2017
283 - The Debt Consolidation Myth
08:18

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

Jul 17, 2017
282 - Going Back to Granular
04:10

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
03:43

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

Jul 03, 2017
280 - Watering to Death
04:58

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

Jun 26, 2017
279 - Watering the Sidewalk
03:37

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

Jun 19, 2017
278 - Weeds
04:14

What do weeds and budgeting have in common? Everything.

Jun 12, 2017
277 - Cold Showers
05:00

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

Jun 05, 2017
276 - Retreat!
02:19

Saving up so you can live it up.

May 29, 2017
275 - Deep Work
30:23

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
05:09

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
03:45

Julie set herself a goal for 2017.

May 08, 2017
272 - Settling in With Stuff
04:16

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
03:53

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

Apr 24, 2017
270 - Ownership Overhead
02:58

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
04:39

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

Apr 10, 2017
268 - 1-844-YNAB-ING
02:56
Mar 27, 2017
267 - Your Debt Is Gonna Bury You
03:57
Mar 20, 2017
266 - Target Trouble
03:46
Mar 13, 2017
265 - Overspending
03:34
Mar 06, 2017
264 - Just A Budget Meeting
04:09
Feb 27, 2017
263 - Expenses Oh No
03:30
Feb 20, 2017
262 - Budget More
04:00
Feb 13, 2017
261 - Month One! In the Books!
03:02

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
05:53

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
03:12

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

Jan 23, 2017
258 - How To Start Over
02:06

With budgeting, the key might be to start over.

Jan 16, 2017
257 - Resolutioin-Proofing Your Budget
03:00

Here's how you budget so it sticks.

Jan 09, 2017
256 - Merry Christmas
02:09

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
02:13

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
03:29

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.
02:16

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
13:33

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
09:03

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
05:48

A question for the eternities: Can I afford this?

Nov 14, 2016
249 - Budget Fails with Variable Income
07:09

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

Nov 07, 2016
248 - March to Your Own Drum
02:14

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.
04:50

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
03:12

A special podcast, because reports are here.

Oct 17, 2016
245 - Budgets & Butlers
03:23

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

Oct 10, 2016
244 - We're Doing Workshops Now
02:50

We have workshops! You should give one a shot.

Oct 03, 2016
243 - A 100% Remote Company. And You Can Too.
03:12

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
04:36

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

Sep 19, 2016
241 - Cash for the Next House
03:51

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

Sep 12, 2016
240 - What Learning YNAB Looks Like
03:01

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

Sep 05, 2016
239 - Blank Slate
03:15

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

Aug 29, 2016
238 - Outsourcing
04:40

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

Aug 22, 2016
237 - Thinking Aloud About "To Be Budgeted"
06:55

Making a number less confusing.

Aug 15, 2016
236 - Working at YNAB
07:54

An look inside the YNAB team.

Aug 08, 2016
235 - The Simple Path to Wealth
03:40

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
03:57

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
03:58

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

Jul 18, 2016
232 - Treat Yourself
03:24

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

Jul 11, 2016
231 - When You're Paid Every Day
03:29

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

Jul 04, 2016
230 - Budgeting with a Partner
09:55

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

Jun 27, 2016
229 - Simplify: Decision Fatigue
09:29

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
08:11

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
07:12

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
04:50

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
03:35

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
08:29

Why saving for its own sake can be dangerous.

May 16, 2016
223 - Deal w/ your Debt: Be Strategic
05:33

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

May 09, 2016
222 - Deal w/ your Debt: Changing Habits
12:12

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

May 04, 2016
221 - Interview with Author of "Odds On" Matt Hall
26:18

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

Apr 25, 2016
220 - Retreat! Retreat!
04:18

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

Apr 22, 2016
219 - Is Cash King?
07:32

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
06:15

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...
02:49

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

Mar 28, 2016
216 - The Opposite of Spoiled
22:51

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

Mar 21, 2016
215 - Managing Money Less
04:03

Is the ideal budget just four categories?

Mar 14, 2016
214 - One Year Same As Cash
04:48

Why do businesses always end up morphing into finance companies?

Mar 07, 2016
213 - Interview with Adam Carroll, Student Loan Expert
26:39

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

Feb 29, 2016
212 - Rule Four Reloaded
06:12

Rule Four reloaded.

Feb 22, 2016
211 - Rule Three Reloaded
04:35

Rule Three reloaded.

Feb 15, 2016
210 - Rule Two Reloaded
05:18

Rule Two reloaded.

Feb 08, 2016
209 - Rule One Reloaded
02:50

Rule One reloaded.

Feb 01, 2016
208 - MVP
03:55

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

Jan 25, 2016
207 - Goals, Goals, Goals
03:06

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
04:28

Christmas bills got you down? Make next Christmas better!

Jan 11, 2016
205 - I Changed My Mind
04:13

Sometimes, things just have to change.

Jan 04, 2016
204 - My New Baby
02:27

An exciting announcement from Jesse Mecham!

Dec 28, 2015
203 - Twas the Night Before Christmas
03:02

A new take on a classic Christmas story.

Dec 21, 2015
202 - Delayed Gratification
02:30

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

Dec 18, 2015
201 - A Container for Your Money
03:50

YNABer Question: How do I switch banks with YNAB?

Dec 07, 2015
200 - Perfect for Procrastinators
07:19

Hey Procrastinators, I have the perfect system for you.

Nov 30, 2015
199 - You Don't Have to be Frugal
05:32

Frugality. Consumption.

Nov 23, 2015
198 - A Budget Bucket List
04:03

Have a budget bucket list.

Nov 16, 2015
197 - What's the Difference Between YNAB and Mint?
03:13

Mint: Post-Mortem. YNAB: Minority Report

Nov 09, 2015
196 - Save Something
03:44

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

Nov 02, 2015
195 - The Four Disciplines of Execution
04:32

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

Oct 26, 2015
194 - Question Everything
03:27

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)
02:52

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
03:50

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?
02:47

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

Sep 28, 2015
190 - The Value of a Fresh Start
04:28

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

Sep 21, 2015
189 - Map Your Progress
23:25

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

Sep 14, 2015
188 - College Is In Session!
02:27

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
02:52

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

Aug 31, 2015
186 - Mechams Unplugged
10:03

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
03:37

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?
04:30

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

Aug 10, 2015
183 - Bills Are Paid...Now What?
05:29

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

Aug 03, 2015
182 - Dealing with Your Financial Scar Tissue
03:35

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
13:55

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
06:04

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

Jul 13, 2015
179 - Decision Fatigue
03:52

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

Jul 06, 2015
178 - The Bucket List
04:37

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
06:40

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?
03:39

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
05:20

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
04:27

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
06:13

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
05:09

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
04:55

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

May 11, 2015
170 - Simplicity Matters
03:44

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

May 04, 2015
169 - Pruning
05:46

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

Apr 27, 2015
168 - Quarterly Checkup
04:33

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
04:14

Windfall schmindfall. Just fall back on Rule One.

Apr 13, 2015
Special 03: Interview with Carl Richards - Self-Awareness
11:52

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
04:41

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
14:02

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

Mar 31, 2015
165 - Who's on First?
04:49

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

Mar 30, 2015
Special 01: Interview with Carl Richards - Why?
14:35

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
03:36

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

Mar 23, 2015
163 - You Need Your Space
03:46

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

Mar 16, 2015
162 - Make It Joint
04:02

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
03:40

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
03:41

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
03:27

A shoutout to a classic that everybody should read.

Feb 16, 2015
158 - YNAB's 10 Year Anniversary
03:23

A look back, with an anniversary four months late.

Feb 09, 2015
157 - When You're Spending More than You Bring In
03:01

Then budgeting is even more important.

Feb 02, 2015
156 - Happy Holidays
02:14

The 2015 holiday season is now upon us.

Jan 26, 2015
155 - Creating a Gasoline Hedge
03:28

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

Jan 19, 2015
154 - The Reset
07:57

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
05:48

"They're digging in the wrong place."

Jan 05, 2015
152 - PACE's Place
04:17

A lesson on focus.

Dec 29, 2014
151 - Retirement is Rule Two
05:36

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

Dec 22, 2014
150 - Finding the Best Personal Finance Software
03:53

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

Dec 15, 2014
149 - Android App Overhaul
02:34

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
05:48

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

Dec 01, 2014
147 - Buying in to Tesla
06:20

How I'm buying in to Tesla ;)

Nov 24, 2014
146 - Dealing With Downs
05:20

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

Nov 17, 2014
145 - Money is...
03:05

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
03:42

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

Nov 03, 2014
143 - Content in the Moment
04:19

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

Oct 27, 2014
142 - Frugality is Boring
03:57

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

Oct 20, 2014
141 - Living Within Your Means, Means Opportunity.
08:04

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
04:40

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
15:54

You have permission to keep it simple. Challenging assumptions.

Sep 29, 2014
138 - Scarcity, and Why I Love It
05:18

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
09:57

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
19:19

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?
08:50

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
03:45

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

Aug 25, 2014
133 - Stop
04:44

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

Aug 18, 2014
132 - Kaizen
04:38

Look to optimize, and simplify.

Aug 11, 2014
131 - My Semi-Annual Review
07:29

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

Aug 04, 2014
130 - Make a Fresh Start
03:04

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
04:13

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

Jul 21, 2014
128 - Blackberries in August
07:51

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
08:37

A few thoughts on forecasting, scarcity, and clarity.

Jul 07, 2014
126 - Emergency Mode
06:13

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

Jul 01, 2014
125 - Tracking Time
04:24

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

Jun 23, 2014
124 - PACE
03:45

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

Jun 17, 2014
123 - Track What You Want to Change
02:57

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
06:18

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

Jun 02, 2014
121 - Chasing Credit Card Points
04:54

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

May 26, 2014
120 - Getting Things Done
06:05

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?
03:49

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
06:08

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

May 06, 2014
117 - How I Use Notes
03:15

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

Apr 28, 2014
116 - Asserting Your Authority
02:30

Perhaps generosity benefits the giver in ways not previously considered.

Apr 21, 2014
115 - Changing Your Status Quo with Extreme Behavior
03:50

 

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
04:19

 

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
06:43

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
05:54

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?
03:09

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
04:18

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
03:17

The key, is to break it down.

Feb 17, 2014
108 - The Intangibles of Budgeting? Priceless
03:00

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
09:24

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

Feb 03, 2014
106 - Saving for Its Own Sake
09:31

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
05:10

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
05:30

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
20:07

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 casey@wealthguardadvisors.com.

Dec 16, 2013
102 - When Your Tax Rate is 2000% (Not a Typo)
23:13

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 casey@wealthguardadvisors.com.

Dec 09, 2013
101 - When You Finance Anything, You Finance Everything
06:28

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
19:03

I reminisce, and then look forward.

Nov 25, 2013
099 - Real Estate Investing with YNAB
12:40

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

Nov 18, 2013
098 - An Update on Julie Owning the Budget
06:08

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.
14:20

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
31:50

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
27:35

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

Sep 27, 2013
094 - Cellphone, Unshackled.
16:45

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
07:40

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
05:28

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
07:47

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
04:47

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
05:47

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
06:47

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
11:50

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
03:11

(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
07:48

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
05:45

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
05:15

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
04:57

How old is the last dollar you spent?

May 13, 2013
081 - Handling Accounts Receivable in YNAB
06:33

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.
06:57

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

Apr 29, 2013
079 - Patience.
06:51

The pathway to wealth is paved with patience.

Apr 23, 2013
078 - The Black Box of Spending
04:58

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
09:29

This is the end of that debate.

Apr 08, 2013
076 - Taxes and Timing
07:01

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
05:09

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

Mar 25, 2013
074 - Your Kids Need a Budget
10:18

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
08:23

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
08:23

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)
23:38

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?!)
05:43

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
32:06

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.
28:05

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

Feb 04, 2013
067 - Spending Tens of Thousands of Dollars is So Easy
06:45

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
07:37

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

Jan 21, 2013
065 - "YNAB Works" is Here!
07:28

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
14:08

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
04:07

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
15:11

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.
05:48

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
20:31

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?
04:27

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?
09:26

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.
17:31

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)
31:40

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
07:28

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.
10:25

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
25:33

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!
24:01

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
08:06

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?
08:06

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 FinancialMentor.com
32:47

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 ZenHabits.net
38:40

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?
04:11

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...
04:11

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

Sep 03, 2012
045 - Get Organized with Jill Pollack!
13:29

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
08:59

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 GoodFinancialCents.com.

Aug 22, 2012
043 - Why Aren't You Getting Ahead?
06:55

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
22:37

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
07:17

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
16:17

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
07:11

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
07:11

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?
07:11

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
07:11

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
07:11

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
11:01

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
05:56

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
10:47

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...
12:03

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!)
09:16

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?
04:21

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?
04:10

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?
09:49

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
07:49

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
29:53

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
08:39

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
12:00

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?
10:49

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

Mar 19, 2012
021 - Your Budget Boiling Point
07:28

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
13:20

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
05:45

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
05:28

Are you too poor to budget? Absolutely not!

Feb 20, 2012
017 - The Debt Snowflake
08:01

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
08:53

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
20:06

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
24:07

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 ManVsDebt.com
21:17

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"
28:43

"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
12:44

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!
07:32

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

Dec 26, 2011
009 - Success Story: a Quicken Junkie Convert!
20:15

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
09:43

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
15:06

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
17:03

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
15:58

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)
16:35

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)
15:40

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)
14:11

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
11:18

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