You Need A Budget (YNAB) (general)

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.

 

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Direct download: 402_Why.mp3
Category:general -- posted at: 12:00am EST

"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.

 

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Direct download: 401_Sowing_the_Seeds_of_FI.mp3
Category:general -- posted at: 12:00am EST

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.

 

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Direct download: 400_Arbitrary_Milestones.mp3
Category:general -- posted at: 12:00am EST

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.

 

 

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Direct download: 399_Categories_Below_the_Line.mp3
Category:general -- posted at: 12:00am EST

Why do we become desensitized to the upticks in price of just about everything?

 

 

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Direct download: YNAB_398_TJ_master_v1.mp3
Category:general -- posted at: 9:29am EST

"We could spend less if we wanted to."

 

 

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Direct download: 397_-_Sure_We_Could_If_We_Had_To.mp3
Category:general -- posted at: 12:00am EST

New feature alert: two factor authentication

 

 

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Direct download: 396_-_2FA_FTW.mp3
Category:general -- posted at: 12:00am EST

Everyone is getting into the lending money game.



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Direct download: 395_-_Everyones_a_Lender.mp3
Category:general -- posted at: 12:00am EST

Jesse discusses payroll advance apps.

 

 

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Direct download: 394_-_Payday_Lender_Apps.mp3
Category:general -- posted at: 12:00am EST

Jesse discusses payroll advances in relation to age of money.

 

 

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Direct download: 393_-_Fixing_the_Paycheck_to_Paycheck_Cycle.mp3
Category:general -- posted at: 12:00am EST

Jesse goes back to basics and breaks down YNAB's Rule Four: Age Your Money

 

 

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Direct download: 392_-_Rule_Four_and_Waistlines.mp3
Category:general -- posted at: 12:00am EST

Jesse goes back to basics and breaks down YNAB's Rule Three: Roll With The Punches

 

 

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Direct download: 391_-_Rule_Three_is_War.mp3
Category:general -- posted at: 12:00am EST

Jesse goes back to basics and breaks down YNAB's Rule Two: Embrace Your True Expenses



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Direct download: 390_-_Rule_Two_Broken_Down.mp3
Category:general -- posted at: 12:00am EST

Jesse goes back to basics and breaks down YNAB's Rule One: Give Every Dollar A Job.


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Direct download: 389_-_Rule_One_Broken_Down.mp3
Category:general -- posted at: 12:00am EST

How do we curb the immediacy bias with DIY?

 

 

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Direct download: 388_-_DIY_FTW.mp3
Category:general -- posted at: 12:00am EST

How many dollars are you sending to your retirement fund?


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Direct download: 387_-_Singular_Focus_on_the_Shovel_and_its_Size.mp3
Category:general -- posted at: 12:00am EST

Jesse reviews the automated investing app, Acorns.


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Direct download: 386_-_Testing_Rounding_Up.mp3
Category:general -- posted at: 12:00am EST

The rock solid measure of whether or not you're succeeding



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Direct download: 385_-_Is_it_Going_Up.mp3
Category:general -- posted at: 12:00am EST

Jesse takes issue with a phrase we use when it comes to spending money on children.


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Direct download: 384_-_Its_for_the_Children.mp3
Category:general -- posted at: 12:00am EST

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.




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Direct download: YNAB_Podcast_Kristy_Shen_and_Bryce_Leung_Interview.mp3
Category:general -- posted at: 12:00am EST

One simple question—should you start your budget over?


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Direct download: 383_-_Should_You_Start_Over.mp3
Category:general -- posted at: 12:00am EST

A follow up to episode 331, Sacreligious Budgeting.


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Direct download: 382_-_The_Clothing_Credit_Card_Experiment.mp3
Category:general -- posted at: 12:00am EST

Data and the ideal budget.

 

 

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Direct download: 381_-_The_Ideal_Budget.mp3
Category:general -- posted at: 12:00am EST

A follow up to episode to 365 on manually entering transactions.


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Direct download: 380_-_A_Report_on_Manual_Entry.mp3
Category:general -- posted at: 12:00am EST

How is a budget like strength training?


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Direct download: 379_-_Bulking_and_Cutting.mp3
Category:general -- posted at: 12:00am EST

There are two sides to every slice of cheese.



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Direct download: 378_-_A_Thin_Slice_of_Cheese.mp3
Category:general -- posted at: 12:00am EST

Simple benchmarks for budgeting progress


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Direct download: 377_-_Thats_Progress.mp3
Category:general -- posted at: 12:00am EST

A road trip, a Tesla and a story about Mr. Money Mustache



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Direct download: 376_-_Is_Wanting_It_Enough.mp3
Category:general -- posted at: 12:00am EST

Jesse interview's author Ramit Sethi about the update of his 10 year old book, I Will Teach You To Be Rich.



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Direct download: YNAB_Podcast_Ramit_SethI_Interview.mp3
Category:general -- posted at: 12:00am EST

Ladies and gentlemen, as we start this episode, please make sure your seat backs and tray tables are in their full upright position



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Direct download: 375_-_Oxygen_Masks.mp3
Category:general -- posted at: 12:00am EST

Stand up for your nonnegotiables.



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Direct download: 374_-_A_Rock_and_a_Hard_Place.mp3
Category:general -- posted at: 12:00am EST

Tips for getting over the hurdle of learning to budget.

 

 

 

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Direct download: 373_-_Its_Just_Not_Working.mp3
Category:general -- posted at: 12:00am EST

A simple look at the approach to investing vs budgeting




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Direct download: 372_-_Investing_vs_Budgeting.mp3
Category:general -- posted at: 12:00am EST

The upside to renting.


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Direct download: 371_-_Renting_a_House_is_Awesome.mp3
Category:general -- posted at: 12:00am EST

How is a budget like swearing?



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Direct download: 370_-_Dropping_Swears.mp3
Category:general -- posted at: 12:00am EST

We're introducing a new service!


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Direct download: 369_-_The_Power_of_Pencil_and_Paper.mp3
Category:general -- posted at: 12:00am EST

A message for the budgeting nerds


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Check out our book! - www.ynab.com/book

 

 

Direct download: 368_-_Hey_Nerd_Chill.mp3
Category:general -- posted at: 12:00am EST

Jonathan and Miranda were college sweethearts with $52k in student loans. This is the story of how they paid it all off in just 21 months … and started their family.

Direct download: Debt_Stories_Ep_13_001.mp3
Category:general -- posted at: 8:00am EST

A message for the free spirit budgeter

 

 

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Direct download: 367_-_Hey_Free_Spirit_Heres_a_Calculator.mp3
Category:general -- posted at: 12:00am EST

A little behind the scenes at YNAB and Jesse asks listeners a favor

 

 

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Direct download: 366_-_Financial_Wellness_by_YNAB.mp3
Category:general -- posted at: 12:00am EST

When Tanya and her husband became parents for the first time, suddenly their financial priorities clicked into place—and, within just 12 months, they’d paid off $31,000 of debt so that they could truly enjoy life with their new son.

Direct download: Debt_Stories_Ep_12_001.mp3
Category:general -- posted at: 8:00am EST

Taking another stab at entering transactions one at a time the old fashioned way.



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Direct download: 365_-_Manual_Entry_Take_Two.mp3
Category:general -- posted at: 12:00am EST

Stash some cash

 

 

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Direct download: 364_-_Cash_is_a_King_in_Hiding.mp3
Category:general -- posted at: 12:00am EST

Siobhan came to YNAB looking for a solution to her debt—$60k+ in student loans and $16k+ in credit card debt. Flash forward, and she’s on track to pay the last $30k off by next year. What a difference a couple of years can make!

Direct download: Debt_Stories_Ep_11_001.mp3
Category:general -- posted at: 8:00am EST

This is a tinfoil PSA ... perhaps


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Direct download: 363_-_The_Allure_of_Plastic.mp3
Category:general -- posted at: 8:00am EST

Day-old money is stressful!




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Direct download: 362_-_Age_of_Money_When_it_Just_Keeps_Climbing.mp3
Category:general -- posted at: 8:00am EST

Erin thought that she’d never be able to retire, much less do it comfortably on half of the amount than she previously thought ... but then she found YNAB.

Direct download: Debt_Stories_Ep_10_001.mp3
Category:general -- posted at: 8:00am EST

How is a budget like a college football game?


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Direct download: 361_-_Rule_Three_and_Alabama_Football_a_little.mp3
Category:general -- posted at: 8:00am EST

How is a budget like a visit from the in-laws?



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Direct download: 360_-_Rule_Two_the_In-Laws_are_Coming.mp3
Category:general -- posted at: 8:00am EST

How is a budget like a clock?



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Direct download: 359_-_Rule_One_in_an_Afternoon.mp3
Category:general -- posted at: 8:00am EST

Jesse gets back to basic budgeting talk with a discussion on priorities.

 

 

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Direct download: 358_-_Priorities_Priorities_Priorities.mp3
Category:general -- posted at: 8:00am EST

Chelsea and her husband had the wedding of their dreams in Hawaii ... then reality hit. They were $215,000 in debt! Find out how they teamed up to fix their finances.

Direct download: Debt_Stories_Ep_09_002.mp3
Category:general -- posted at: 8:00am EST

Some advice on annual goals.



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Direct download: 357_-_Goals_and_a_Single_Piece_of_Paper.mp3
Category:general -- posted at: 9:20am EST

This is a story of $9 salads and a $12,000 C-Section—and it’s proof that you can fix five-figure debt by paying attention to the little things. It all adds up

Direct download: Debt_Stories_Ep_08_001.mp3
Category:general -- posted at: 8:00am EST

A technique to get those resolutions and goals to stick.


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Direct download: 356_-_Annual_Goals_Reviewed_Daily.mp3
Category:general -- posted at: 8:00am EST

Is there an opportunity this season for you to try something briefly unsustainable to reach a goal?



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Direct download: 355_-_Moving_the_Pine_Needle.mp3
Category:general -- posted at: 8:00am EST

December is a very busy month.



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Direct download: 354_-_Hassle_and_Bustle.mp3
Category:general -- posted at: 8:00am EST

Jesse interviews Dr. Ryan Law, professor of financial counseling at Utah Valley University. They discuss student loan debt.

 

 

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Direct download: 353_-_Student_Loan_Syndrome_an_Interview_with_Ryan_Law.mp3
Category:general -- posted at: 8:00am EST

Breaking news: take a news break.



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Direct download: 352_-_No-News-is-Good-News-For-You.mp3
Category:general -- posted at: 8:00am EST

Buy, buy, buy and find out why.



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Direct download: 351_-_How_to_Time_the_Market.mp3
Category:general -- posted at: 8:00am EST

Jesse encourages you to try a writing exercise this holiday.

 

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Direct download: Thanksgiving_2018_Gratitude_Combats_Discontent.mp3
Category:general -- posted at: 8:00am EST

Pay yourself first ... and forever


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

A simpler approach to big goals




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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.


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

Subscriptions, subscriptions, subscriptions.



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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


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

What if you never had to buy another toaster again?

 

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

Buy it once, never replace it and why.

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

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

 

 

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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?

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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.

 

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

How about a vacation from budgeting?

 

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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

 

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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