That Magical Moment (When You Really Want Something)

Ask Jesse: Heady Books and Final Settlement, Among Other Things: Jesse answers another round of questions from his inbox, including a number of suggestions for new books to read! Got a question for Jesse? Send him an email: Sign up for a free 34-day trial of YNAB at Follow YNAB on... by The YNAB Podcast

15 min listen

It's Just No Way to Live: It's not uncommon for people to remark to Jesse that they wished they would have found YNAB sooner. The four habits are such a powerful tool for bringing clarity to your money and joy to your spending. Today Jesse wants to remind you that regretting... by The YNAB Podcast

5 min listen

What's the Alternative?: Jesse reviews the Four Rules and takes issue with those who say, "yeah must be nice to have extra money to make a plan with... everything I make is spoken for." It's true, there are some people who have a legitimate income problem. But this argument... by The YNAB Podcast

8 min listen

Your Biggest Single Expense: Your biggest single expense happens is one you probably don't think about much... unless you're American and it's April 15th. You may think it's housing, or maybe education, or raising kids, but all those costs are dwarfed by the elephant on your... by The YNAB Podcast

7 min listen

Let's Cut Spending!: Let's cut spending! And then... what exactly? The all too common advice that you need to "cut spending" implies that your level of consumption is simply too high. That may or may not be the case, but in Jesse's experience and the thousands upon... by The YNAB Podcast

6 min listen

Ask Jesse: Perfect YNAB, Tithing Confusion, and More Credit Card Comments: Jesse answers another round of questions from YNAB listeners. Today someone asks whether there is such a thing as "perfect YNAB" use and if good enough use is OK (yes!). Another YNAB'er is confused on how to calculate tithes for business income, and,... by The YNAB Podcast

12 min listen

Gaming the Credit Card System... Maybe: Jesse answers a question from a listener who argues that becuase he carries enough cash to cover his credit card spending at all times, he is not riding the float and therefore is gaming the credit card companies. Jesse quotes Charlie Munger -- "show... by The YNAB Podcast

5 min listen

Inherent Value Doesn't Exist: Jesse argues that the common refrain of a thing having "inherent value" or "intrinsic value" is not actually a thing. As Jesse explains, value is a moving target, constantly shifting along with our desires and material circumstances. To a starving... by The YNAB Podcast

7 min listen

Ask Jesse: Lavish Praise and Woodchip Gardening (Sort Of): Jesse is back answering another round of questions from his inbox. Today he responds to listeners asking whether the Four Rules are really rules or rather habits, what his favorite time management tools are, and how to relate to a spouse uninterested... by The YNAB Podcast

16 min listen

Young Creatures Just Looking to Party: Jesse shares a story from a YNAB'er who had a major mindset shift about money. For this person, money went from a stressful topic to envisioning it as "young creatures just looking to party." Imagining your dollars as little "you's," searching for... by The YNAB Podcast

6 min listen

Looking In the Mirror: Mirror, mirror on the wall... which category is the truest of them all? Over the last several weeks, Jesse has explored the idea that money is more than just a tool, it's a reflection of you. Your spending is a representation of your energies and your... by The YNAB Podcast

8 min listen

Money Is Not a Tool: One of the pervasive messages about money is that "it's just a tool," and Jesse takes issue with that! When money is reduced to a mere tool, like a wrench or a screwdriver, it invites people to be more careless with it, to use it then put it in a... by The YNAB Podcast

6 min listen

Dire Straits, or Rolling In It, It's All the Same: Whether your bank account is looking bare and collecting dust, or flush with cash, the temptation is all the same: to run away from the money. The person in dire financial straits often wishes they had a bunch of money, because then they wouldn't have... by The YNAB Podcast

5 min listen

Ask Jesse: How to Plan with a Reluctant Partner, and Some Successes: Jesse opens his inbox for another for round of Ask Jesse, where he answers emails from YNAB'ers about all things money, finance, and... well, life! In today's episode, one listener asks about how to deal with a reluctant partner who doesn't want to... by The YNAB Podcast

9 min listen

A Sample of Interesting, Joyful Spending: Back in October 2023, Jesse asked listeners to look at their last ten transactions on YNAB and rank them on a scale from one to three, with one being spending that sucked joy from them and three being spending that sparked joy. Then he asked listeners... by The YNAB Podcast

6 min listen

YNABers Share Their New Years Resolutions: A few weeks ago, Jesse put out the call to share your New Years resolutions, as well as a guiding word for 2024 -- something to help you put your resolution into action day to day. Jesse received a number of great responses, and shares a sample of... by The YNAB Podcast

7 min listen

I Love Money: Jesse revisits his infamous experiment in which he essentially stopped budgeting for an entire year. The result from that experiment was that he and his family spent several thousand extra dollars that they couldn't account for, and even though the... by The YNAB Podcast

13 min listen

A Clarification on Goal Failures: Anytime the word resolution comes up, there are naysayers claiming that they don't work. That goals don't work. Unfortunately a lot of people buy into that when they set a goal and fail to achieve it. Their failure leads them to believe that settings... by The YNAB Podcast

7 min listen

Goals Are Awesome: As we embrace the New Year, Jesse challenges you to pick some goals and set some resolutions. Even if you fail, you will certainly learn some things in the process of chasing a goal, and that experience is invaluable! Tell Jesse about your... by The YNAB Podcast

8 min listen

Merry Christmas from YNAB: Jesse wishes everyone a Merry Christmas, full of meaning and joy. Hopefully this is a day you can enjoy without worrying about money, because you've dutifully saved up for it all year, but if not -- you can always start working on next year. After... by The YNAB Podcast

4 min listen

Invest In Preparedness, Not Prediction: Jesse ran across a quote from one of his favorite authors, Nassim Taleb. In his book , Taleb advises "invest in preparedness, not prediction," which also neatly describes the goal of YNAB. We cannot predict the future with any certainty, so it's folly... by The YNAB Podcast

10 min listen

A Quote from F.W. Boreham: Jesse ran across a quote from author F.W. Boreham the other day that resonated strongly: "We make our decisions, and then our decisions turn around and make us." Mr. Boreham described the goal of the Four Rules in one simple and effective sentence!... by The YNAB Podcast

7 min listen

Ask Jesse: Selling a Rental Property, Buying a Car, and Pausing Retirement to Save?: Jesse is back with another round of questions from his inbox, including whether or not a listener should sell her rental property, whether it's worth buying a new car to relieve the stress of sticking with an old car with problems, and if pausing... by The YNAB Podcast

14 min listen

Giving the Old Bird to Money: Jesse has been focusing on the joy of spending money lately, and one way to achieve joy is to simply give it away. In a sense, giving away money is the ultimate way to give money the bird, so to speak. It's an act of defiance, that you don't need it,... by The YNAB Podcast

4 min listen

It Has Nothing, and Everything, to Do with Spending: "You need to spend less money." "Money's not everything." But what if you don't need to spend less money. And what if money is everything? In today's episode Jesse offers up the idea that money is you -- the sum product of your energies and desires --... by The YNAB Podcast

8 min listen

You Didn't Quit. To Every Season...: Once again, the holidays are nearly upon us. If your spending plan hasn't gone to, well, plan then that is OK. Seasons are everywhere in life. We see them every year and we see them over periods of many years. Some seasons you're really engaged with... by The YNAB Podcast

5 min listen

Building Habits: Four of Them, Actually: At YNAB they're called the Four Rules, but as Jesse argues, maybe they are best described as habits! The four habits of budgeting... Got a question for Jesse? Send him an email: Sign up for a free 34-day trial of YNAB at Follow... by The YNAB Podcast

5 min listen

BONUS: Goodbye Mint, Hello YNAB: Breaking news! On November 2, 2023 Intuit announced that it would be shutting down Mint, a popular personal finance app it acquired back in 2009. In January 2024, millions of users will be left looking for a replacement budgeting app. Intuit is... by The YNAB Podcast

8 min listen

Joy Is a Three: 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?... by The YNAB Podcast

4 min listen

It's You All the Way Down: 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... by The YNAB Podcast

9 min listen

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That Magical Moment (When You Really Want Something)

That Magical Moment (When You Really Want Something)

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