You Need A Budget (ynab)

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

  • James Clear: Building Good Habits and Breaking Bad Ones

    21/07/2021 Duration: 41min

    Jesse invites the author behind one of his favorite books, Atomic Habits, to join the podcast and talk about what he learned about setting good habits, breaking bad ones, and developing environments and systems conducive to productive habits. As James says, the things you do and accomplish in life are essentially lagged indicators of your habits. So building good habits slowly, methodically, and thoughtfully can result in big rewards down the road.   James Clear https://jamesclear.com   Atomic Habits: Tiny Changes, Remarkable Results https://jamesclear.com/atomic-habits     Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Dear College Student

    19/07/2021 Duration: 05min

    Are you a college student, or about to go to college? It's an exciting time of your life, but it can also be a very expensive time of your life too. It's possible to keep your spending under control, and have a lot of fun, but you're going to need a budget.   College students -- you can get a whole FREE YEAR of YNAB here. Sign up, take some of the free classes, and give yourself the gift of learning how to budget and take control of your financial life. https://www.youneedabudget.com/college/

  • Hannah Cole: Simplifying Taxes for Artists and Creative Professionals

    14/07/2021 Duration: 33min

    Artist and tax professional Hannah Cole has a burning passion -- seeing art get made. And one thing she hates to see is artists being held back by money problems. After establishing herself as an artist in exhibitions in New York City, Hannah landed a job working for a design agency. There she learned she had a talent for communicating with both the creatives and management, helping each side understand deadlines, budgets, and resources needed to complete projects. Hannah went on to become a tax professional and open a tax service specializing in helping artists, creatives, and freelancers.   In addition to a full suite of tax services, Hannah's company offers money workshops to explain business, finance, and tax terms in clear language and help freelancers develop strategies for managing their money. She has also created a free, colorful guide for understanding how tax deductions work. You can find out more about Hannah, her company, and resources on their website: https://www.sunlighttax.com   Free tax dedu

  • You're Broke and Winning

    12/07/2021 Duration: 04min

    Veteran YNAB'ers have a saying for what happens when you follow the four rules, budget, and have no money left over. They call it being "YNAB broke," and it's a badge of honor!   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • A New Way to Pay for College? David Stackpole's Unique Strategy

    07/07/2021 Duration: 38min

    EDITOR'S NOTE: At 28:15 David states that generally you cannot take out money from a ROTH to pay for college without paying a penalty. David later pointed out, however, that you may take out up to $10k without penalty to pay for qualifying higher education expenses.   David Stackpole, wealth manager and Certified Financial Analyst (among other titles), joins the podcast to discuss his strategy for paying for the ever-growing cost of college. David points out that college tuition has increased nearly 1,400% since the 1970's, which amounts to a 6.4% annual inflation rate. With costs rising so dramatically and so steadily, many parents find it difficult to save enough for their children's college education. David has a unique strategy for dealing with this problem, however.   David recently published a paper outlining his approach in the University of Louisville's Journal of Student Financial Aid, which you can find here:  https://ir.library.louisville.edu/cgi/viewcontent.cgi?article=1701&context=jsfa

  • EP09 Money Stories: Carol Kissinger Was "Bad At Money," Until She Found YNAB

    05/07/2021 Duration: 26min

    In today's money story, Carol Kissinger tells her story of discovering YNAB after moving from America to Berlin. She had never been good with money, was indebted to her parents for years, and frequently argued with her husband about money. Moving to Berlin put new stress on her bank account, until she discovered YNAB. The Four Rules helped her put a simple framework around money and clarify what it was she was spending on.   As it turns out, impulse purchasing was a recurring theme in Carol's budget. She and her husband would see money in the bank account after pay day and start buying things... without first reserving money for rent, utilities, and the various unplanned expenses that inevitably come up during the year. With an ADHD diagnosis, Carol found it particularly difficult to stop impulse purchasing without having a solid plan of what to do with her money after pay day. YNAB provided a framework for her to budget her dollars and give them jobs before they got spent. She found initially she had to "rol

  • How to Be a Financial Grownup with Bobbi Rebell

    30/06/2021 Duration: 29min

    Personal finance journalist, news anchor, Certified Financial Planner, and now author, Bobbi Rebell explains what it means to be a "financial grownup." The essential part of being grown-up with your finances is realizing that it's no one else's responsibility to make a budget, put money in your retirement account, or educate yourself about financial terms and concepts. It's all up to you! Luckily, there is a wealth of easily accessible information that you can learn from, including Bobbi's own podcast.   You can find out more about Bobbi, her new book "How to Be a Financial Grownup, her podcast, and her "Grownup Gear" on her website: https://www.bobbirebell.com

  • Uh, Are You Still Budgeting?

    28/06/2021 Duration: 05min

    After receiving shocking financial news that credit card spending in 2021 is up over 20% compared to 2019, Jesse asks the question: are you still budgeting out there?   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • EP08 Money Stories: Ivan & Daniel Budget for the High Income Earner

    23/06/2021 Duration: 01h01min

    Jesse chats with two people that are passionate about personal finance and share a common trait: they are high income earners. YNAB doesn't often talk about people earning high incomes, but contrary to popular belief, earning a lot of money does NOT mean you don't need to budget!   As Ivan Smirnov and Daniel Chen attest, high incomes often come with high cost of living areas, where housing costs can run well into the 7 figures for homes or multiple thousands for rent. High income can also come with lifestyle inflation, as well as debt from post-graduate student loans and professional programs. Both of these things (and much more) can be managed with an effective budget, and Ivan and Daniel share their tips in keeping their costs under control and managing their investments using YNAB.   Ivan Smirnov is a software engineer at Google, and he loves to share his personal finance journey and YNAB power tips with friends and co-workers. He writes occasionally for a couple blogs: https://ivansmirnov.name https://iva

  • After Years of Experiments, Jesse Does the Unthinkable

    21/06/2021 Duration: 13min

    After years of experimenting with his budget and budgeting process, Jesse decided to do the unthinkable in 2020. He went an entire year *without* a budget!   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Jean Chatzky: Helping Women Find Security in Money

    16/06/2021 Duration: 28min

    Jean Chatzky, long-time personal finance writer and correspondent for The Today Show, CNN, MSNBC and other high-profile shows, joins the podcast to discuss the unique issues women face in their financial lives. She has recently written a book about her research and experience working with women on improving their financial security, and she runs a website dedicated to educating and coaching women in financial matters called Her Money.   Jean's book -- Women with Money https://womenwithmoneybook.com   Her Money Podcast https://hermoney.com  

  • 6 Money Lessons for Newlyweds

    14/06/2021 Duration: 06min

    Jesse offers six tips for newlyweds learning to manage their money as a couple for the first time.   Check out the YNAB blog for more! https://www.youneedabudget.com/money-lessons-i-wish-i-had-learned-when-i-was-25/

  • Well, Here We Are...

    09/06/2021 Duration: 11min

    Jesse celebrates -- can you believe it?! -- the 500th episode of the You Need a Budget podcast. Nearly 10 years ago, Jesse started this podcast as an experiment. Over the years the mics have been upgraded, the acoustics have gotten better, but the message has remained the same: follow the Four Rules, and make your dollars work for you and your priorities.   Jesse reminds us that, much like doing the podcast, budgeting is mostly just doing the work, day in and day out. Budget is a verb, an activity that you do every day, and simply showing up and continuing to do it over time yields big results.   YNAB the company is still growing, and so is the podcast. Jesse and his longtime friend and corporate finance expert Mark Butler have launched a new show for small businesses called Beginning Balance. Download and subscribe here! https://podcasts.apple.com/us/podcast/beginning-balance/id1569423517

  • Closing the College Gap: Steve Colon (CEO, Bottom Line)

    07/06/2021 Duration: 26min

    Jesse interviews Steve Colon, CEO of Bottom Line, an organization that helps students of color navigate the complex, time-consuming, and high stakes college admissions process. Bottom Line doesn't stop with admissions, either. Through their unique DEAL rubric, they help each student set a plan to graduate within six years, with no more than $31k debt, and find high quality jobs. Along the way they meet regularly with students, to provide a network of support and ensure students can meet their goals and graduate on time.   Bottom Line has recently partnered with YNAB to provide students with financial education to manage both their tuition and student life costs as well as their personal finances during and after school.   You can find out more about Steve and the Bottom Line organization here: https://www.bottomline.org

  • Introducing Beginning Balance: A Show About Small Business

    02/06/2021 Duration: 42min

    Today Jesse gives a sneak peak at a new show launching on the YNAB podcast network -- Beginning Balance. Together with his friend and business mentor Mark Butler, a virtual CFO and business expert, they explore the financial issues of small businesses and how to solve them. This is the first episode of Beginning Balance, which will begin airing weekly on Fridays.   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

  • Get Your S*** Together: End of Life Planning with Chanel Reynolds

    31/05/2021 Duration: 30min

    Jesse chats with Chanel Reynolds, author of What Matters Most and founder of the Get Your Shit Together website, dedicated to helping people navigate the confusing, difficult, and emotional aspects of end-of-life planning. In 2009 Chanel's husband was killed in a road cycling accident, and she found herself, very suddenly, a widow, a single parent, and overwhelmed dealing with the many medical, legal, and family issues that death brings with it.   Today Chanel helps others plan for the what-ifs and eventualities of life, and encourages people to start having conversations with their spouses, parents, and other loved ones about what they want when it comes to their end-of-life. Although these can be difficult conversations -- and people often avoid them for that reason -- she recommends to start by focusing on the love, and how you want your loved ones to feel, and what quality of life means to them. From there, you can visualize what end of life might look like and start the basic planning steps: having an em

  • Rebroadcast -- Work Party: Take Control of Your Finances and Cultivate Confidence Around Money with Jesse Mecham

    26/05/2021 Duration: 32min

    Today Jesse is sharing an interview he did with Jaclyn Johnson of the Work Party podcast for her Budget Broadcast Series. Jesse talks about the early days of YNAB, how to get serious with your side hustles, and explains the Four Rules to a new audience.   You can find more from WorkParty, including the original interview, here: https://dearmedia.com/shows/work-party/

  • Meet the Woman Who Paid Off $490k in Debt: Sami Womack

    24/05/2021 Duration: 24min

    Jesse chats with Sami Womack, who paid off nearly half a million dollars of debt after hitting financial rock bottom during the birth of her first child. Stuck in a different city on business travel, her husband almost missed a flight home to be at the birth... because they had maxed out all their credit cards, and the last minute ticket was $800.   Sami and her husband had made most of the financial mistakes you could make. They were behind on all of their bills, including mortgage payments and property taxes. They had three properties -- their home, a rental home, and a piece of land Sami intended to build a business on but could not secure financing -- but were facing foreclosure on them. They were eating out frequently, and spending lots of money on food.   The added stress of children brought them to a financial breaking point, at which point Sami started googling for help. She found YNAB, and began budgeting her current dollars, instead of her future dollars, for the first time. It took a major lifestyl

  • Identity Crisis? How About Identity Shift with Anthony Trucks

    19/05/2021 Duration: 40min

    Former NFL athlete, husband, father, and coach -- a man of many identities you might say -- Anthony Trucks joins the podcast to talk about how what's holding you back from reaching your goals might just be an identity problem. Anthony runs a coaching program call Make Shift Happen where he helps people to make consistent action toward their goals in 90 days.   Making an identity "shift" is a key part of the process, visualizing yourself as the kind of person that does the things needed to have success in business, family, or other areas in life not because those are things you ought to do, but because they are simply a part of you. The Rock doesn't fight himself to go to the gym and workout, he does it because he loves it. Physical fitness is part of his identity. Anthony challenges us to think about what identity we want, and to start viewing ourselves as that. Then action can follow.   You can find Anthony, his coaching services, and his speaking engagements at: https://anthonytrucks.com    

  • Installment Plans and Future You

    17/05/2021 Duration: 10min

    Jesse does NOT like payment plans, and neither should you!   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

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