You Need A Budget (YNAB)

An exciting announcement from Jesse Mecham!

Direct download: 204_-_My_New_Baby.mp3
Category:general -- posted at: 8:00am EDT

A new take on a classic Christmas story.

Direct download: 203_-_Twas_the_Night_Before_Christmas.mp3
Category:general -- posted at: 8:00am EDT

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

Direct download: 202_-_Delayed_Gratification.mp3
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YNABer Question: How do I switch banks with YNAB?

Direct download: 201_-_A_Container_for_Your_Money.mp3
Category:general -- posted at: 8:00am EDT

Hey Procrastinators, I have the perfect system for you.

Direct download: 200_-_Perfect_for_Procrastinators.mp3
Category:general -- posted at: 8:00am EDT

Frugality. Consumption.

Direct download: 199_-_You_Dont_Have_To_Be_Frugal.mp3
Category:general -- posted at: 8:00am EDT

Have a budget bucket list.

Direct download: 198_-_A_Budget_Bucket_List.mp3
Category:general -- posted at: 8:00am EDT

Mint: Post-Mortem. YNAB: Minority Report

Direct download: 197_-_Whats_the_Difference_Between_YNAB_and_Mint.mp3
Category:general -- posted at: 8:00am EDT

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

Direct download: 196_-_Save_Something.mp3
Category:general -- posted at: 8:00am EDT

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

Direct download: 195_-_The_Four_Disciplines_of_Execution.mp3
Category:general -- posted at: 8:00am EDT

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

Direct download: 194_-_Question_Everything.mp3
Category:general -- posted at: 8:00am EDT

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

Direct download: 193_-_Lump_Sums_Like_a_Student_Loan.mp3
Category:general -- posted at: 8:00am EDT

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

Direct download: 192_-_To_automate_or_not_to_automate_that_is_the_lame_question_.mp3
Category:general -- posted at: 8:00am EDT

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

Direct download: 191_-_What_If_You_Didnt_Have_Reports_.mp3
Category:general -- posted at: 8:00am EDT

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

Direct download: 190_-_The_Value_of_a_Fresh_Start.mp3
Category:general -- posted at: 8:00am EDT

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

Direct download: 189_-_Map_Your_Progress.mp3
Category:general -- posted at: 8:00am EDT

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

Direct download: 188_-_College_Is_In_Session.mp3
Category:general -- posted at: 8:00am EDT

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

Direct download: 187_-_Changing_Seasons_Changing_Priorities.mp3
Category:general -- posted at: 8:00am EDT

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

Direct download: 186_-_Mechams_Unplugged.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 185_-_Saving_Without_a_Purpose_Isnt_Saving_At_All.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 184_-_Pay_Off_Debt_or_Save_First_.mp3
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What should be the order of prioritization once the necessities are taken care of?

Direct download: 183_-_Bills_are_Paid...Now_What_.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 182_-_Dealing_with_Your_Financial_Scar_Tissue.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 181_-_Meet_Carrie_A_Brand_New_YNAB_User.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 180_-_Why_Im_on_the_Fence_About_Paying_for_College.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 179_-_Decision_Fatigue.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 178_-_The_Bucket_List.mp3
Category:general -- posted at: 12:00pm EDT

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

Direct download: 177_-_Guilt-Free_Spending.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 176_-_Is_that_Budget_Half_Empty_or_Half_Full.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 175_-_The_Dashmat_Principle.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 174_-_Learn_From_Data_Dont_Live_For_It.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 173_-_Pick_a_Card_Just_One_Card.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 172_-_Put_Your_Bills_on_Auto_Pilot.mp3
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Question your financial scar tissue. Are all of those accounts still (really) necessary?

Direct download: 171_-_Close_An_Account_Then_Another.mp3
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We want active engagement. Simplicity promotes that, which is why we like it.

Direct download: 170_-_Simplicity_Matters.mp3
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When it comes to lasting, positive financial change, don't do what I did.

Direct download: 169_-_Pruning.mp3
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168 - Quarterly Checkup

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

Direct download: 168_-_Quarterly_Check-Up.mp3
Category:general -- posted at: 12:00am EDT

Windfall schmindfall. Just fall back on Rule One.

Direct download: 167_-_The_Gift_of_Tax_Season.mp3
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How much should you save? And would it be possible to not beat yourself up so much?

Direct download: Special_03__Interview_with_Carl_Richards_Self-Awareness.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 166_-_Punching_with_the_Rolls.mp3
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How do you view financial goals? What if you saw them more as guesses?

Direct download: Special_02__Interview_with_Carl_Richards_Goals__Guessing.mp3
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When budgeting with a partner... establish a workflow, ownership, simplification, etc.

Direct download: 165_-_Whos_on_First.mp3
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It's a therapy session folks! Gettingn down to the WHY behind money will bring you absolute clarity. It's Rule One.

Direct download: Special_01__Interview_with_Carl_Richards_Why_.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 164_-_Theres_No_Party_Like_a_Budgeting_Party.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 163_-_You_Need_Your_Space.mp3
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When budgeting with a partner... keep it simple. You merged your lives—merge your finances.

Direct download: 162_-_Make_It_Joint.mp3
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When budgeting with a partner.... be clear about what you bring to the table. All of it. Debts, habits, passions, etc. 

Direct download: 161_-_Lay_it_All_on_the_Table.mp3
Category:general -- posted at: 12:00am EDT

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

Direct download: 160_-_This_Ones_for_the_Lovers.mp3
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A shoutout to a classic that everybody should read.

Direct download: 159_-_Your_Money_or_Your_Life.mp3
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A look back, with an anniversary four months late.

Direct download: 158_-_YNABs_10_Year_Anniversary.mp3
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Then budgeting is even more important.

Direct download: 157_-_When_Youre_Spending_More_than_You_Bring_In.mp3
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The 2015 holiday season is now upon us.

Direct download: 156_-_Happy_Holidays.mp3
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Don't fritter away the temporary savings of low gas prices!

Direct download: 155_-_Creating_a_Gasoline_Hedge.mp3
Category:general -- posted at: 9:36am EDT

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

Direct download: 154_-_The_Reset.mp3
Category:general -- posted at: 10:57pm EDT

"They're digging in the wrong place."

Direct download: 153_-_Its_All_Rule_One.mp3
Category:general -- posted at: 12:00am EDT