Ask Jesse: Selling a Rental Property, Buying a Car, and Pausing Retirement to Save?

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

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: 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: 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

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

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: Credit Card Rebels, Banks, and Emergency Funds: 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... by The YNAB Podcast

17 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

Ask Jesse: Catching Up: Since Jesse has been away, the emails have been piling up! Jesse works through his backlog of Ask Jesse questions today, including a woman who has a newfound distaste for credit cards... and wrote to Jesse to tell about it! Got a question for... by The YNAB Podcast

10 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

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

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

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

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

Jesse Chats with a Guy Who Has Never Used a Credit Card: Jesse talks with a man who has never used a credit card -- YNAB's own Ben Barlowe, who you may also recognize from the Budget Nerds podcast. Ben is 34 years old, has four children, a house (purchase with a mortgage), and a busy life! Believe it or... by The YNAB Podcast

34 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

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

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 Two Reviewed: It's back to basics time! Rule Two in the YNAB method is "embrace your future expenses." In short, think about the things you will have to buy or pay for in the future, and act on them NOW. Car going to need new tires in six months? Don't wait till... by The YNAB Podcast

8 min listen

When Is Your Age of Money Enough? by The YNAB Podcast

6 min listen

Every Gift I'm Giving Julie, Forever: Jesse shares some of the gifts he's given his wife, Julie, over the years, and why every year from now on the gifts will be made, not bought. Got a question for Jesse? Send him an email: Sign up for a free 34-day trial of YNAB at 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

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

Ask Jesse: How Do You Budget After Retirement?: Jesse answers a listener question about budgeting after retirement, in particular when you are living off your retirement savings and not yet drawing on Social Security. Join the More Money Challenge: Sign up for a free 34-day trial of... by The YNAB Podcast

10 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: 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

The YNAB Debt Bootcamp: If you made it through the last few weeks, you know why Jesse hates debt and why you should too! Start the New Year by putting those feelings into action. Jesse has created a "debt bootcamp" for YNAB users to help you get serious about getting... by The YNAB Podcast

6 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

That Magical Moment (When You Really Want Something): There's a moment that happens when you run across something you really want -- it's like an itch that wants you to whip out the credit card and scratch it! In these moments, we're probably not very clear on our priorities and Rule One, so Jesse... by The YNAB Podcast

6 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

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Ask Jesse: Selling a Rental Property, Buying a Car, and Pausing Retirement to Save?

Ask Jesse: Selling a Rental Property, Buying a Car, and Pausing Retirement to Save?

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