You Need A Budget (YNAB) (general)

Pay yourself first ... and forever


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

Direct download: 350_-_Pay_Yourself_First.mp3
Category:general -- posted at: 8:00am EST

A simpler approach to big goals




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

Direct download: 349_-_Big-Goals-the-End.mp3
Category:general -- posted at: 8:00am EST

The problem with forecasting money you don't have yet.


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

Direct download: 348_-_Why_is_Forecasting_Bad.mp3
Category:general -- posted at: 8:00am EST

Subscriptions, subscriptions, subscriptions.



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

Direct download: 347_-_The_Subscription_Scourge.mp3
Category:general -- posted at: 8:00am EST

There can be more to a purchase than the price tag


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

Direct download: 346_-_Tertiary_Costs.mp3
Category:general -- posted at: 8:00am EST

What if you never had to buy another toaster again?

 

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

Direct download: 345_-_The_Heirloom_Toaster_Company.mp3
Category:general -- posted at: 8:00am EST

Buy it once, never replace it and why.

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

Direct download: 344_-_The_DL_on_BIFL.mp3
Category:general -- posted at: 8:00am EST

It's time for a, "Manual Intervention."

 

 

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

Direct download: 343_-_A_Manual_Intervention.mp3
Category:general -- posted at: 8:00am EST

Sometimes the slog is real, the motivation is waning and you are grinding. What do you do in those situations to keep your head above water?

Direct download: 342_-_Motivation_the_Grind.mp3
Category:general -- posted at: 8:00am EST

Are credit cards a budget breaker?

Direct download: 341_-_Broken_Budgets.mp3
Category:general -- posted at: 8:00am EST

YNAB has a new API

Direct download: 339_-_API.mp3
Category:general -- posted at: 8:00am EST

Do you fear you've missed out on budgeting?

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

Direct download: 340_-_FOMO.mp3
Category:general -- posted at: 8:00am EST

Jesse talks with Mike Michalowicz, author of Clockwork: Design Your Business to Run Itself—a book about how to stop sacrificing family, friendships and freedom for the sake of your business.


Available Today

Direct download: YNAB_Podcast_Mike_Michalowicz_Interview.mp3
Category:general -- posted at: 8:00am EST

Budgeting is spending; nothing more, nothing less.

 

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

Direct download: 338_-_Budgeting_is_Spending.mp3
Category:general -- posted at: 8:00am EST

How about a vacation from budgeting?

 

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

Direct download: 337_-_Taking_a_Vacation_from_Budgeting.mp3
Category:general -- posted at: 8:00am EST

We're taking a break to produce season 2 of Debt Stories. In the meantime check in every Monday for the YNAB Podcast. You can also catch up on any episodes you may have missed and please share with a friend. Thank you.

https://www.youneedabudget.com/debt-podcast/

Direct download: Taking_A_Break_08_02_18.mp3
Category:general -- posted at: 8:00am EST

It's ok if you and your partner don't think about money the same way

 

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

Direct download: 336_-_Better_Halves_and_Budgets.mp3
Category:general -- posted at: 8:00am EST

She used to buy every gadget that crossed her path. Now, her cousin calls her “the Queen of Cheap.”—learn how Jennifer paid off all of her student loans and most of her credit card debt, and purchased her very first home in Chicago proper.

 

Find more information at http://ynab.com/debt-podcast

Direct download: Debt_Stories_Ep_07_07_26_18_001.mp3
Category:general -- posted at: 8:00am EST

Obligations remain despite life-changing circumstances.

Direct download: 335_-_Money_Stops_Obligations_Keep_Coming.mp3
Category:general -- posted at: 8:00am EST

This family of four lives in Downsville, Utah. When her husband lost his accounting job, they turned to the credit card. When they hit a $15,000 balance, she discovered YNAB ...

 

Find more information at http://ynab.com/debt-podcast

Direct download: Debt_Stories_Ep_06_07_19_18_001.mp3
Category:general -- posted at: 8:00am EST

Jesse expounds on his stance of not paying for his children's college education

Direct download: 334__-_Parenting_is_Hard_Not_Expensive.mp3
Category:general -- posted at: 8:00am EST

This family of four in Marietta, Georgia, had racked up $263,000 of debt—a number that used to keep Brittany awake at night (and that was before the job losses). Still, they made it work.

 

Find more information at http://ynab.com/debt-podcast

Direct download: Debt_Stories_Ep_05_07_12_18_001.mp3
Category:general -- posted at: 8:00am EST

Some things get better when they experience shock

Direct download: 332_-_Antifragile_Finances.mp3
Category:general -- posted at: 8:00am EST

He and his wife paid off $30,000 of debt in three years. It was all about choices—find out whether they picked air conditioning or Amazon Prime.

 

Find more information at http://ynab.com/debt-podcast

Direct download: Debt_Stories_Ep_04_07_05_18_001.mp3
Category:general -- posted at: 8:00am EST

Jesse discusses a conversation he has with a friend about whether or not they should pay off their house.

Direct download: 333_-_Lowering_the_Baseline.mp3
Category:general -- posted at: 8:00am EST

He’s a pastor, and she’s a stay-at-home mom. With five kids and $30,000 in debt, stress levels were high. Find out how a spice jar solved their money problems.

 

Find more information at http://ynab.com/debt-podcast

Direct download: Debt_Stories_Ep_03_06_27_18_001.mp3
Category:general -- posted at: 8:00am EST

Eating out can have a big impact on your budget. Are we spending too much on restaurants and takeout?

Direct download: 330_-_Is_Eating_Out_Eating_Your_Budget.mp3
Category:general -- posted at: 4:27pm EST

Find out how an IT business analyst from Kenton, Michigan, realized that it was cheaper to quit his job!

Find more information at http://ynab.com/debt-podcast

Direct download: Debt_Stories_Ep_02_06_21_18_001.mp3
Category:general -- posted at: 8:00am EST

An unconventional experiment to deal with a clothing category

Direct download: 331_-_Sacreligious_Budgeting.mp3
Category:general -- posted at: 11:03am EST

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.

Direct download: Debt_Stories_Ep_01_06_14_18_001.mp3
Category:general -- posted at: 8:00am EST

The emergency fund that's gathering dust.

Direct download: 329_-_When_the_Emergency_Funds_Gathering_Dust_and_Why.mp3
Category:general -- posted at: 8:00am EST

Why do we have people only budget what they have? Even in the surest of sure employment situations?

Direct download: 328_-_Budget_Only_What_You_Have.mp3
Category:general -- posted at: 8:45pm EST

A plea for blind trusts for the everyman.

Direct download: 327_-_A_Blind_Trust.mp3
Category:general -- posted at: 8:00am EST

Everyone has a cabin. Shouldn't I? And other silly questions that are hard to answer.

Direct download: 326_-_Renting_vs._Buying.mp3
Category:general -- posted at: 8:00am EST

A mini-report one one of my New Year's resolutions, and what I've learned being blindly obedient.

Direct download: 325_-_Blind_Obedience_and_All_Its_Benefits.mp3
Category:general -- posted at: 8:00am EST

What's the purpose of that fridge? Knife? Car? Bike? Boat? House? A stroll and ramble through this question of joy and material things.

Direct download: 324_-_Material_Joy.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 323_-_How_to_Retire_and_Move_to_the_Woods_Fulltime.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 322_-_Buyers_Remoreselessness.mp3
Category:general -- posted at: 8:00am EST

Sometimes you just have to let it go.

Direct download: 321_-_Let_It_Go.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 320_-_Where_Has_Zero_Gone_.mp3
Category:general -- posted at: 8:00am EST

The biggest news we've ever shared.

Direct download: 319_-_YNAB___Intuit_Acquisition.mp3
Category:general -- posted at: 8:00am EST

Stop optimizing and be content with pace.

Direct download: 318_-_Ever_the_Optimizer.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 317_-_The_Greatest_Showman.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 316_-__The_Mexican_Fisherman_.mp3
Category:general -- posted at: 8:00am EST

A little experiment to amass a lot of money.

Direct download: 315_-_Savings__Undetected..mp3
Category:general -- posted at: 8:00am EST

How you define means makes all the difference.

Direct download: 314_-_What_do_you_mean_means_.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 313_-_Non-Negotiables.mp3
Category:general -- posted at: 8:00am EST

Amazing what a little perspective shift gives you. Where do you get your perspective shifted?

Direct download: 312_-_MASH.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 311_-_All_Mixed_Up_Dont_Know_What_to_Do.mp3
Category:general -- posted at: 12:00pm EST

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

Direct download: 310_-_Pay_Yourself_First.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 309_-_You_Have_a_Spending_Problem.mp3
Category:general -- posted at: 8:00am EST

This is a PSA to remind you that taxes are your life's single biggest expense.

Direct download: 308_-_Taxes_Tax_Your_Take_Terribly.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 307_-__I_Want_A_100-Foot_Boat_.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 306_-_My_Favorite_Time_of_Year.mp3
Category:general -- posted at: 8:00am EST

Merry Christmas! That is all.

Direct download: 305_-_Merry_Christmas_A_Gift_You_Can_Give_Me__.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 304_-_Going_Back_to_Your_Roots.mp3
Category:general -- posted at: 8:00am EST

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!

Direct download: 005_YNAB_Book_Podcast_Celia_001_mixdown.mp3
Category:general -- posted at: 8:00am EST

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!

Direct download: 006_YNAB_Book_Podcast_Mitchel_001_mixdown.mp3
Category:general -- posted at: 8:00am EST

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!

Direct download: 004_YNAB_Book_Podcast_Matthew_001_mixdown.mp3
Category:general -- posted at: 8:00am EST

Keeping the holidays merry--within limits.

Direct download: 303_-_Holiday_Limits.mp3
Category:general -- posted at: 8:00am EST

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!

Direct download: 003_YNAB_Book_Podcast_Jonathan_001_mixdown.mp3
Category:general -- posted at: 8:00am EST

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!

Direct download: 002_YNAB_Book_Podcast_Holly_001_mixdown.mp3
Category:general -- posted at: 8:00am EST

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!

Direct download: 001_YNAB_Book_Podcast_Dan_001_mixdown.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 302_-_The_Costs_of__Settling_In_.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 301_-_Black_Friday_Cometh.mp3
Category:general -- posted at: 8:00am EST

For the spontaneous people.

Direct download: 300_-_Planned_Spontaneity.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 299_-_Experiences__Priceless..mp3
Category:general -- posted at: 8:00am EST

At what point should you stop tracking cash?

Direct download: 298_-_Loose_Change_or_Lose_Change_.mp3
Category:general -- posted at: 8:00am EST

Is there a point where you no longer really need a budget?

Direct download: 297_-_Do_I_Still_Need_a_Budget_.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 296_-_Its_Beginning_to_Look_a_Lot_Like_Christmas.mp3
Category:general -- posted at: 8:00am EST

Do you suffer from lifestyle creep? I do.

Direct download: 295_-_Lifestyle_Creep.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 294_-_Whens_a_Good_Time_to_reStart_Budgeting_.mp3
Category:general -- posted at: 8:00am EST

Is there such a good thing as good debt? Yes. Though it also can become bad if you aren't careful.

Direct download: 293_-_Is_there_Good_Debt_.mp3
Category:general -- posted at: 8:00am EST

Maybe if we just didn't treat student loan as a viable option for paying for college...

Direct download: 292_-_Saving_Kids_from_College.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 291_-_Identity_Theft_Protection_and_You..._.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 290_-_Millenial_Money.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 289_-_Headed_to_New_York.mp3
Category:general -- posted at: 8:00am EST

Routines were made to be broken.

Direct download: 288_-_Breaking_Routine.mp3
Category:general -- posted at: 8:00am EST

Where I discuss our new mobile apps, and why.

Direct download: 287_-_Looking_Ahead_Mobile.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 286_-_Materiality.mp3
Category:general -- posted at: 8:00am EST

Everyone should be taking a clarity break.

Direct download: 285_-_Clarity_Break.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 284_-_Wired_to_Acquire.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 283_-_The_Debt_Consolidation_Myth.mp3
Category:general -- posted at: 8:00am EST

Our epic failure to be less granular, and how I'm getting back to it with our own personal budget.

Direct download: 282_-_Going_Back_to_Granular.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 281_-_Left-Handed.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 280_-_Watering_to_Death.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 279_-_Watering_the_Sidewalk.mp3
Category:general -- posted at: 8:00am EST

What do weeds and budgeting have in common? Everything.

Direct download: 278_-_Weeds.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 277_-_Cold_Showers.mp3
Category:general -- posted at: 8:00am EST

Saving up so you can live it up.

Direct download: 276_-_Retreat.mp3
Category:general -- posted at: 8:00am EST

An Interview with an author of a book that changed my life and is required reading for the entire YNAB team. Every year.

Direct download: 275_-_Deep_Work.mp3
Category:general -- posted at: 2:05pm EST

It turns out when you peel back the priorities onion, the core of it a lot of times is an experience, not an item.

Direct download: 274_-_Unearthed_Priorities.mp3
Category:general -- posted at: 12:00pm EST

Julie set herself a goal for 2017.

Direct download: 273_-_No_Online_Purchases_in_2017.mp3
Category:general -- posted at: 8:00am EST

Is it possible to just settle in with your stuff and avoid some of the churn involved in repeat purchasing?

Direct download: 272_-_Settling_in_With_Stuff.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 271_-_The_Herloom_Toaster.mp3
Category:general -- posted at: 8:00am EST

When you're buying something, you're also tacking a bunch of todos on to your list.

Direct download: 270_-_Ownership_Overhead.mp3
Category:general -- posted at: 8:00am EST

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

Direct download: 269_-_The_Cost_of_Ownership.mp3
Category:general -- posted at: 8:00am EST

Direct download: 268_-_1-844-YNAB-ING.mp3
Category:general -- posted at: 8:00am EST

Direct download: 267_-_Your_Debt_Is_Gonna_Bury_You.mp3
Category:general -- posted at: 8:00am EST

Direct download: 266_-_Target_Trouble.mp3
Category:general -- posted at: 8:00am EST