Jesse invites you to play a game. Look at your last ten transactions and rate them 1 to 3:

• 1 = negative joy (sucked joy out of your life)
• 2 = neutral
• 3 = sparks joy

There's one catch! You can only rate two of those transactions as neutral. Why? Because Jesse said so. Then share your most interesting 1's and 3's with Jesse! Email him at: 

askjesse@ynab.com

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A dollar represents you. It is the product of your energies. Your labor and your brainpower creates products and services that you exchange for money, whether you work a job or run a business. Therefore, a spending plan is really a representation of YOU! It's you all the way down from your labors and thoughts to your dollars and how you choose to spend them. So spending wisely is not just about choosing the right things to buy, or saving for the future, it's about direct your energies -- yourself -- out into the world in the manner you want.

Got a question for Jesse? Send him an email:

askjesse@ynab.com

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

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In today's episode, Jesse answers questions from YNAB'ers including how to build the habit of checking YNAB before spending and how to slow down Jesse's speech patterns for UK listeners (there's an app for that!). A listener also sends in an interesting article about how airlines have essentially turned into banks via their elaborate reward points systems.

Ron Lieber on the YNAB Podcast (Episode #480)

Apple Podcasts: https://podcasts.apple.com/us/podcast/you-need-a-budget-ynab/id477248343?i=1000515131147

Spotify: https://open.spotify.com/episode/2qh75uqa9uzQGggz7wwYiS?si=088cd75db8be4f01

Pocket Casts podcast player: https://pocketcasts.com

Got a question for Jesse? Send him an email:

askjesse@ynab.com

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Jesse answers your questions on today's show, including how big an emergency fund does a teacher need? A YNAB'er shares a recent talk from the chairman of the Electronic Payments Coalition which reveals the (surprise!) unscrupulous motivations of credit card companies. Another YNAB'er from India asks how to setup the budget when you have income and expenses in two different currencies.

Got a question for Jesse? Send him an email:

askjesse@ynab.com

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

Follow YNAB on social media:

Facebook: @iYNAB

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Twitter: @ynab

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Spending money doesn't have to make you feel guilty! Jesse offers a pep talk to end the guilt trip, one budget at a time.

Got a question for Jesse? Send him an email:

askjesse@ynab.com

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

Follow YNAB on social media:

Facebook: @iYNAB

Instagram: @youneedabudget

Twitter: @ynab

Tik Tok: @ynabofficial