Big financial goals are great. It's what we live for at YNAB! But, life happens in between those big goals, and Jesse reminds you that it's ok to spend some money "in the meantime."

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Jesse shares a fun way to handle "fun money" from long-time YNAB software engineer Kyle. Kyle suggests creating separate bank accounts for fun money with separate budgets as well. His method evolved from the desire to keep the visibility of fun money separate from his spouse, so they could 1.) take any judgment or guilt away from spending fun money, and 2.) spend on fun things for each other without ruining the surprise!

Ordinarily, Jesse advocates for simplifying your bank accounts as much as possible, but Kyle is a veteran YNAB'er and his method may be a fun experiment for you to try in your own family!

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We organize our lives by the calendar, and the calendar is organized into months. It's no surprise then, that we tend to think of finances in terms of months -- monthly payments, monthly contributions, having 3-6 months of expenses saved. The month has a lot of utility, but it is an arbitrary division of time. Jesse examines how the month can be useful, yet also detrimental, to making money decisions.

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Jesse waxes poetic about Costco and how simple their model makes purchasing decisions. He also brings up the point that we often spend a lot of time searching for the best deal, for that one hot tip that will maximize our dollars for a certain purchase. Our time and attention is a resource as well, and perhaps we should just go buy the thing, and be done with it.

Got a question for Jesse? Send him an email:

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Jesse delivers a good old fashioned rant about the evils of debt. While he may have softened his rhetoric over the past decade, Jesse is no less serious about his distaste for debt!

Got a question for Jesse? Send him an email:

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