You Need A Budget (YNAB)

Jesse continues with part two of the Atomic Budgeting series, applying the concepts in James Clear's Atomic Habits to budgeting and the pursuit of financial freedom.


One of the key concepts in Clear's book is focusing on building effective systems for achieving your goals, rather than on the goal itself. Goals are great things, but without a logical, replicable, and flexible system, you are unlikely to consistently achieve your goals. 


YNAB's Four Rules comprise a simple, flexible, and replicable system for achieving the goal of freeing up financial resources to handle unexpected events and do more of the things you want to do in life. The Four Rules don't ask you to come up with a solid number of dollars to save each month, or a percentage; rather, they ask you to follow certain processes (like giving every dollar a job) that ultimately help you achieve the goal of saving money. By staying process-focused rather than goal or number focused, YNAB allows you "roll with the punches" and adjust as your life circumstances change and unexpected expenses arise.


So whether it's budgeting, improving your fitness, reading books, or something else, the next time you set a goal focus your attention on your system for achieving that goal, and learn to love the process!


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Direct download: 434_Atomic_Budgeting_Systems_Not_Goals.mp3
Category:general -- posted at: 12:00am EDT

Jesse has become a fan of James Clear's Atomic Habits, in which Clear explains how small changes to your habits can build up to big changes in your life. Naturally, Jesse saw how atomic habits could work for budgeting too.


So for the next few weeks, Jesse will be covering several aspects of "atomic budgeting," starting with the power of compounding interest.


Atomic Habits by James Clear:


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Direct download: 433_Atomic_Budgeting_Compound_Interest.mp3
Category:general -- posted at: 12:00am EDT

Jesse and the YNAB team are excited to announce a new service: financial wellness for businesses and their employees! For any company, big or small, YNAB will educate your employees on the most important yet often overlooked aspect of financial wellbeing… budgeting of course.


Financially stress-free employees are good employees. They are empowered, they have freedom to be creative in their life, and they are more productive as a result.


This is a FREE service for the business. You can find out more by going to:

Direct download: 432_Financial_Wellness_by_YNAB.mp3
Category:general -- posted at: 12:00am EDT

The attentive gardener notices the small things. The way plants grow, flourish, and wither on a daily basis. He knows that weeds are easily dispatched when pulled daily. The gardener plays a long game, but sees each move in detail. 


Budgeting is no different. The attentive budgeter notices small things, finds small efficiencies there, because she checks in often. She knows that it's easier to correct course when her budget is moving in the wrong direction, because she watches carefully and often. The daily reconciliation becomes a joy, not a chore.


Sign up for a free 34-day trial of YNAB at

Direct download: 431_Daily_Reconciliation_and_Gardening.mp3
Category:general -- posted at: 12:00am EDT