The YNAB Podcast

By: Jesse Mecham
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  • Summary

  • Money shouldn’t be this hard—and it isn’t! Join YNAB founder Jesse Mecham as he dives into the essentials of spendfulness. Learn tips and tools to transform your spending into a source of joy, clarity, and confidence.
    YNAB LLC
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Children's Audiobooks
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Episodes
  • Spendfulness

    Spendfulness
    Jan 27 2025

    People have been doing it for years by following the YNAB method -- self-actualizing by aligning their spending with themselves. Now the YNAB team has come up with a word to describe it. It's not a budget, it's not a set of rules.

    It's spendfulness.

    Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC:

    YNAB.com/events

    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: @ynabofficial

    Instagram: @ynab.official

    Twitter/X: @ynab

    Tik Tok: @ynabofficial
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    6 mins
  • YNAB Method Overhaul... Not Really

    YNAB Method Overhaul... Not Really
    Jan 20 2025

    The Four Rules are out... the Five Questions are in! Well... not really, the Four Rules have just been transformed and clarified. As Jesse has pointed out in prior podcasts, the Four Rules were really just one rule, the first rule -- Give Every Dollar a Job.

    And that is still the master rule. To clarify what giving every dollar a job means, YNAB has come up with five questions:

    1. What does this money need to do before I’m paid again? (Reality)
    2. What larger, less frequent spending do I need to prepare for? (Stability)
    3. What can I set aside for next month’s spending? (Resilience)
    4. What goals, large or small, do I want to prioritize? (Creation)
    5. What changes do I need to make, if any? (Flexibility)

    These five questions are designed to give you more clarity about what you want your money to do for you, and ultimately how you want to spend your live. In a word, how to live spendfully.

    Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC:

    YNAB.com/events

    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: @ynabofficial

    Instagram: @ynab.official

    Twitter/X: @ynab

    Tik Tok: @ynabofficial
    Show more Show less
    10 mins
  • Advice for Procrastinators Not Wanting to Deal With Money

    Advice for Procrastinators Not Wanting to Deal With Money
    Jan 13 2025

    If you have been procrastinating about starting to manage your money, Jesse has a message for you. It's ok to start now, and start small -- and you don't have to be perfect either! Jesse has been using the YNAB method to manage his money for twenty years now, and he still hasn't reached perfection. But, he has become more in tune with his spending and learned how to create more joy in his life as a result, and he's helped millions of other people to do the same through YNAB. Jump in!

    Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC:

    YNAB.com/events

    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: @ynabofficial

    Instagram: @ynab.official

    Twitter/X: @ynab

    Tik Tok: @ynabofficial
    Show more Show less
    6 mins

Featured Article: 10 "Finfluencers" You Should Know


There’s no shortage of personal finance advice through social media these days. "Finfluencers," or personal finance influencers, are taking over our feeds. Here, we’ve rounded up 10 of the most popular and trusted names in personal finance on Audible, along with their podcasts and audiobooks. While most of these finfluencers are millennials, their listens offer advice for everyone, regardless of your age, income level, or financial acumen. Whether you're struggling to stick to a budget or seeking to make your first million, here are the top influential figures in personal finance worth a listen.

Featured Article 10 Finfluencers You Should Know

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Profile Image for ROXANE WOLFF

Very Helpful!!

How to make checking your budget --before you buy--a habit! Lots of helpful ideas! Wow!

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Profile Image for MCTM

YNAB finally makes budgeting work

Before YNAB, I created budgets on paper, in envelopes, on spreadsheets, and in 2 other apps. I always just spent what I spent. This finally makes sense of my spending and it has allowed me to get almost 4 months ahead and close 6 savings accounts! Jesse's podcasts help me stay motivated and on track.Thanks, Jesse!

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Profile Image for Martina

Great podcast about all things related to YNAB

I've been using YNAB for 2 years and love. Jessie's podcast discusses talks about a large variety of topics about personal finance, mindset, and personal growth. He interviews a lot of people with different expertise.

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Jesse Has Great Content! Love this Podcast!

Listening to this podcast and using the YNAB app has made a huge difference in my finances. I no longer wonder where my money is as I have given "every dollar a job." I can't recommend this Podcast or YNAB services enough to those who want to manage their money.

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Profile Image for Skeeterfood

Weekly short simple talks about money and budgets

I'm a long time YNAB user and podcast listener. I like Jesse's easy going style and willingness to talk about whatever he's got on his mind that week. Some episodes might not directly apply to you, but there's usually some tidbit that makes you think about something a little differently than you did before,

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Profile Image for DK

Great budgeting podcasts

I really enjoy listening to these budgeting podcasts! They are very interesting and informative. Thanks Jesse

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Profile Image for Jennifer

His voice is soothing

I started listening to the podcasts in 2019. I listened from the first episode and slowly got caught up. The thing I like about Jesse Mecham and this podcast is the fact that he’s not yelling. He’s not yelling at me at what a crappy person I am for letting it get this badly and telling me I should have done this or that.

I wish I knew about the podcasts back when I started YNAB 4 (randomly saw it in Steam). The podcast would have helped me a lot because I finally realized I’m not the only one dealing with a ton of debt. The podcasts vary. He will have tips and advice on how to budget, stories that relate to budgeting, people come on the podcast and tell their stories and how they overcame in, random life updates (which I enjoy) and other things.

It’s definitely worth a listen :)

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