You Need A Budget (ynab)
- Author: Vários
- Narrator: Vários
- Publisher: Podcast
- Duration: 136:21:38
- More information
Informações:
Synopsis
A weekly dose of just the right medicine to help you get out of debt, save more money, and break the paycheck to paycheck cycle.
Episodes
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Sowing the Seeds of FI
11/11/2019 Duration: 09min"FI" is an acronym that has steadily grown in popularity over the last decade, though the concept is much older than that. It stands for financial independence -- some people call it early retirement (the longer acronym FIRE stands for financial independence, retire early) -- but the idea is simple. Live below your means, drastically increase your savings rate and accumulate enough wealth to "retire" or perhaps better said, until you can do what you want to do. Time and savings rate are the key components of financial independence. What if you could save half of everything you make? What if you started doing that from the beginning? Jesse shares some lessons he's trying to instill in his kids as they take their first steps toward financial independence. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Arbitrary Milestones
04/11/2019 Duration: 06minIt's common to set milestones for paying down debt. They're usually big, round numbers like $500, $1k, $5k, $10k. At the end of the day though, the goals are arbitrary. It's just a number, a stepping stone, toward the greater goal. So if the day to day grind of fiscal responsibility is getting to you, change your milestones! Maybe it's $749, or $362.54. It's all arbitrary, right? Have fun with the game, and make it work for you. Set a new milestone -- whatever you like -- and celebrate when you reach that new number. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Categories Below the Line
28/10/2019 Duration: 05minHow do you order your categories? What's on top? What's on bottom? And how did you decide that? Categories are easy to order once you understand your priorities. Rent, utilities, food -- these are non-negotiable. You can and should, however, drill down into the details of each category and ask yourself whether you could live without some of the expenses in that category. You need utilities to live, clearly, but if pushed, what would you keep and what would you cut? Could you live without internet if you had to? Once you understand which categories sit above the line (necessities) and which sit below the line, then you can total up how much you spend on "below the line" items. Then ask yourself: do you want any of this money to go to above the line items? Try this exercise to clarify your budget and see whether your budget is in line with your priorities. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Nickeled and Dimed
21/10/2019 Duration: 04minWhy do we become desensitized to the upticks in price of just about everything? Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Sure We Could. If We Had To
14/10/2019 Duration: 05min"We could spend less if we wanted to." Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Everyone's a Lender
30/09/2019 Duration: 04minEveryone is getting into the lending money game. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Payday Lender...Apps
23/09/2019 Duration: 06minJesse discusses payroll advance apps. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Fixing the Paycheck to Paycheck Cycle
16/09/2019 Duration: 06minJesse discusses payroll advances in relation to age of money. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Rule Four and Waistlines
09/09/2019 Duration: 08minJesse goes back to basics and breaks down YNAB's Rule Four: Age Your Money Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Rule Three is War
02/09/2019 Duration: 05minJesse goes back to basics and breaks down YNAB's Rule Three: Roll With The Punches Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Rule Two Broken Down
26/08/2019 Duration: 07minJesse goes back to basics and breaks down YNAB's Rule Two: Embrace Your True Expenses Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Rule One Broken Down
19/08/2019 Duration: 05minJesse goes back to basics and breaks down YNAB's Rule One: Give Every Dollar A Job. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Singular Focus on the Shovel and its Size
05/08/2019 Duration: 05minHow many dollars are you sending to your retirement fund? Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Testing Rounding Up
29/07/2019 Duration: 05minJesse reviews the automated investing app, Acorns. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Is it Going Up?
22/07/2019 Duration: 04minThe rock solid measure of whether or not you're succeeding Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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It's for the Children
15/07/2019 Duration: 03minJesse takes issue with a phrase we use when it comes to spending money on children. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Bonus Episode: Kristy Shen and Bryce Leung Interview
09/07/2019 Duration: 43minJesse interview's authors and married couple Kristy Shen, Bryce Leung about their book—available today—Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required. Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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Should You Start Over
08/07/2019 Duration: 02minOne simple question—should you start your budget over? Sign up for a free 34-day trial of YNAB at www.youneedabudget.com