Ask Jesse: Credit Card Rebels, Banks, and Emergency Funds

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

Ask Jesse: ...And Done!: Pfew! Done, finally! Jesse clears up the backlog in his Ask Jesse mailbox, answering listener questions about the nature of credit card spending in YNAB, whether YNAB'ers should still have emergency funds, and what to do when saving up for a down... by The YNAB Podcast

18 min listen

Ask Jesse: Doubling Income, Real Estate, Debit Card Fraud Prevention: Jesse fields more listener questions today, including what you should do when you double your income (teaser: there's really not a wrong answer as long as it's saving!), how to budget for real estate investments, and whether debit cards have... by The YNAB Podcast

9 min listen

Ask Jesse: More on Credit Cards, Tracking 401k in YNAB, and Paying Off Student Loans: Jesse answers listener questions about tracking 401k deposits in YNAB and how to strategize paying off student loans. Jesse shares his evolving thoughts about credit cards, and why the Mecham household will only use a single debit card for expenses in... by The YNAB Podcast

8 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

What's the Most Expensive Thing You've Budgeted For? YNABers Share: Jesse shares results from a recent survey of YNABers asking: "what's the biggest thing you've saved for with YNAB?" Vacations, cars, houses, college... there are some big line items indeed! Got a question for Jesse? Send him an email: ... by The YNAB Podcast

6 min listen

Ask Jesse: Travel Hacking, Credit Cards, and YNAB'er Experiences: In this installment of Ask Jesse, Jesse answers questions from podcast listeners about travel hacking and credit card and debit card fraud protection. He also reads an experience from one YNAB'er who switched from using credit cards to debit cards.... by The YNAB Podcast

14 min listen

An Experiment Made Permanent: Jesse is back from his summer break and ready to answer your questions and talk money! Long-time listeners of the podcast know that each year Jesse experiments with something in his financial life, whether its reconciliation intervals or category... by The YNAB Podcast

7 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: 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

Behind the Scenes: What's The Budget Done for You Lately?: Jesse interviewed every employee at YNAB, asking them about a wide range of topics -- how they heard about YNAB, what they are working on in their roles, and their money struggles and successes. In today's Behind the Scenes episode, YNAB insiders... by The YNAB Podcast

45 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

Lifestyle Creep?: Recently someone asked Jesse about his thoughts on preventing lifestyle creep, a major supposed gremlin of budgeting. Jesse doesn't even like the question, and discusses why worrying about lifestyle creep is looking at budgeting in the wrong light.... by The YNAB Podcast

4 min listen

Ask Jesse: Tracking 401k in YNAB, Early Retirement Budgeting, Advisors, and More: Jesse answers a grab-bag of questions from listeners, including whether it's a good idea to track 401k investments in YNAB (it's not), how to budget for early retirement, good books for learning how to to invest, and more. Got a question for... by The YNAB Podcast

13 min listen

You Spend More Money with Credit Cards: It's a fact, you do. We know this because banks LOVE credit cards, and they're incentives for using credit cards rely on the fact that many people spend more money on credit than they would otherwise. Jesse meditates on the nature of credit card fees,... by The YNAB Podcast

12 min listen

A Major Downside to Not Having Money Stress: Not having money stress is a GREAT feeling to have. But a YNAB employee, Katie, pointed out a downside to it -- people assume you make more money than you really do. Because who else would have no money stress except people who are rolling it... by The YNAB Podcast

5 min listen

Ask Jesse: We're Getting There People!: Jesse continues to work through his backlog of Ask Jesse questions, including his thoughts on credit karma, the magic of 1% retirement contributions, and whether he would save cash in case of recession or pay down debt. Four Thousand Weeks by... by The YNAB Podcast

13 min listen

Ask Jesse: Save for Cars or Pay Down Mortgage, Debt Consolidation, and How Do You Know When to Spend?: Jesse answers questions from the YNAB mailbag, including whether a couple should save for new cars to replace aging vehicles, or pay down the mortgage faster, whether debt consolidation is a good idea, and how exactly do you know when it's ok to spend... by The YNAB Podcast

15 min listen

043, Mike Vo, we2o | $62.4 B in Untapped Funds for Charitable Giving by Social Entrepreneur

36 min listen

Paid In Full, But Always in Debt: Jesse continues his rant about exploration of credit card use, observing that "paid in full" users are, technically, always in debt. Paid in full users are people who have the cash at any moment to pay off their credit card balance in full, but choose... by The YNAB Podcast

7 min listen

The Most Lopsided Election - Election of 1964 | Episode #062 | Election College: United States Presidential Election History: Johnson basically destroys Goldwater by Election College | Presidential Election History

27 min listen

Ask Jesse: Talk Slower, Pay Down Debt Faster: It's time for another round of Ask Jesse! Jesse fields questions from podcast listeners about how to manage multiple bank accounts, negative budgeting, and whether he can slow down his speech pattern (sorry Leslie!) Find a YNAB Certified Coach:... by The YNAB Podcast

11 min listen

A Business Podcast?: Jesse is thinking about launching a separate podcast to discuss small business, internet marketing, and how you can use YNAB to manage your business cash flow, and he wants to know what you think! Would you be interested in a business-focused... by The YNAB Podcast

3 min listen

Rule Three Happens BEFORE Spending, Not After: Jesse drops a reminder that Rule Three, when properly implemented, happens before you spend the money on that unexpected expense -- not after! Got a question for Jesse? Send him an email: Sign up for a free 34-day trial of YNAB at 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

What's In Your Financial Shovel of Dirt?: Jesse shares a story about growing sweet potatoes and shoveling dirt... lots and lots of dirt. There's a metaphor here about budgeting too. It's work, and sometimes takes a long time to pay off. But steady, sustainable work day after day yields big... by The YNAB Podcast

5 min listen

Ask Jesse: Is All Money Just Savings?: A listener, Tom, writes into the show to express some confusion over what constitutes "savings" in a budget following the YNAB method. During a call with his bank to discuss refinancing, Tom was asked how much savings he had on hand, a question which... by The YNAB Podcast

6 min listen

Another Realignment Election - The Election of 1968 | Episode #064 | Election College: United States Presidential Election History: The country takes a different approach this time around. by Election College | Presidential Election History

37 min listen

EP02 Money Stories: Liz Finds Financial Freedom through Tik Tok: Jesse talks with YNAB'er Liz about her recent conversion to the YNAB software, which she discovered through the social media network Tik Tok. In just six months with YNAB, Liz has already reversed her financial situation, paid off debt, and created... by The YNAB Podcast

24 min listen

Ask Jesse: What Should You Do with a Life-changing Windfall?: A listener writes the show to ask: what should he and his family do with a life-changing windfall? The listener has a mortgage, and a HELOC, and some savings goals such as saving for his kids' college education. The windfall amount is enough to payoff... by The YNAB Podcast

10 min listen

Discover this podcast and so much more

Ask Jesse: Credit Card Rebels, Banks, and Emergency Funds

Ask Jesse: Credit Card Rebels, Banks, and Emergency Funds

Description

Titles in the series (100)

More Episodes from The YNAB Podcast

Related podcast episodes