You Need A Budget (YNAB)

A lesson on focus.

Direct download: 152_-_PACEs_Place.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 151_-_Retirement_is_Rule_Two.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 150_-_Finding_the_Best_Personal_Finance_Software.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 149_-_Android_App_Overhaul.mp3
Category:general -- posted at: 10:24am EST

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

Direct download: 148_-_Peeling_Away_the_Emergency_Onion.mp3
Category:general -- posted at: 12:00am EST

How I'm buying in to Tesla ;)

Direct download: 147_-_Buying_in_to_Tesla.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 146_-_Dealing_With_Downs.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 145_-_Money_is....mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 144_-_PACE_a_New_Book.mp3
Category:general -- posted at: 7:37am EST

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

Direct download: 143_-_Content_in_the_Moment.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 142_-_Frugality_is_Boring.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 141_-_Living_Within_Your_Means_Means_Opportunity.mp3
Category:general -- posted at: 11:13am EST

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

Direct download: 140_-_Sometimes_the_Key_is_to_Make_More_Money.mp3
Category:general -- posted at: 9:48pm EST

You have permission to keep it simple. Challenging assumptions.

Direct download: 139_-_Simplicity._An_Interview_with_Dave_a_YNAB_Team_member.mp3
Category:general -- posted at: 4:02pm EST

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

Direct download: 01_138_-_Scarcity_and_Why_I_Love_It.mp3
Category:general -- posted at: 10:42am EST

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

Direct download: 137_-_Good_Debt_Bad_Debt.mp3
Category:general -- posted at: 12:29am EST

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

Direct download: 136_-_Your_One_Priority.mp3
Category:general -- posted at: 9:29am EST

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

Direct download: 135_-_Whos_the_Crazy_Extreme_One.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 134_-_YNAB_for_iPad_is_here.mp3
Category:general -- posted at: 8:46am EST

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

Direct download: 133_-_Stop.mp3
Category:general -- posted at: 12:00am EST

Look to optimize, and simplify.

Direct download: 132_-_Kaizen.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 131_-_My_Semi-Annual_Review.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 130_-_Make_a_Fresh_Start.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 129_-_Kids__Money.mp3
Category:general -- posted at: 8:07am EST

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

Direct download: 128_-_Blackberries_in_August.mp3
Category:general -- posted at: 12:00am EST

A few thoughts on forecasting, scarcity, and clarity.

Direct download: 127_-_Clarity_Scarcity__Forecasting.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 126_-_Emergency_Mode.mp3
Category:general -- posted at: 1:31am EST

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

Direct download: 125_-_Tracking_Time.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 124_-_PACE.mp3
Category:general -- posted at: 7:49am EST

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.

Direct download: 123_-_Track_What_You_Want_to_Change.mp3
Category:general -- posted at: 12:00am EST

122 - Consumption vs. Creation

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

Direct download: 122_-_Consumption_vs._Creation.mp3
Category:general -- posted at: 12:00am EST

121 - Chasing Credit Card Points

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

Direct download: 121_-_Chasing_Credit_Card_Points.mp3
Category:general -- posted at: 12:00am EST

120 - Getting Things Done

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

Direct download: 120_-_Getting_Things_Done.mp3
Category:general -- posted at: 12:00am EST

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.

Direct download: 119_-_Well_Now_What_Do_I_Do_.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 118_-_Disneyland_and_Assumptions.mp3
Category:general -- posted at: 8:32am EST

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

Direct download: 117_-_How_I_Use_Notes.mp3
Category:general -- posted at: 12:00am EST

Perhaps generosity benefits the giver in ways not previously considered.

Direct download: 116_-_Asserting_Your_Authority.mp3
Category:general -- posted at: 1:37pm EST

 

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.
Direct download: 115_-_Changing_Your_Status_Quo_with_Extreme_Behavior.mp3
Category:general -- posted at: 12:00am EST

 

Sometimes in your excitement to start budgeting, you take the whole "categorization" thing a bit too far. No?
Direct download: 114_-_Budget_Category_Overzealousness.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 113_-_The_Binge_Before_the_Crackdown.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 112_-_The_Cost_of_a_Fat_Checking_Account.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 111_-_Together_or_Separate_.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 110_-_One_Hundredth_of_a_Second.mp3
Category:general -- posted at: 12:00am EST

The key, is to break it down.

Direct download: 109_-_Piano_Practice_and_Budgeting.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 108_-_The_Intangibles_of_Budgeting_Priceless.mp3
Category:general -- posted at: 12:00am EST

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

Direct download: 107_-_Winning_Financially_is_Simple.mp3
Category:general -- posted at: 12:00am EST

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.

Direct download: 106_-_Saving_for_Its_Own_Sake.mp3
Category:general -- posted at: 11:20am EST