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You Need A Budget (YNAB)

You Need A Budget (YNAB)

A weekly dose of just the right medicine to help you get out of debt, save more money, and beat the paycheck to paycheck cycle.

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youneedabudget.com

Episodes

How to Budget When Everything Is Expensive

As inflation continues to rear it's ugly head in 2022, prices are going up and up, meaning budgets are getting stretched thin. Inflation is essentially another form of scarcity, Jesse points out, albeit involuntary scarcity. Jesse reminds us that scarcity is what drives us to be creative with the budget, and get more clear about our values.

 

Budgeting is also an active process, so this time of inflation is a good time to dig deeper into every category, find the things that are auto-pilot and re-evaluate whether they shoud continue to be so. By exercising your Four Rules muscles, you can stay positive and confident about your financial strategy even when economic prospects are alarming.

 

Send Jesse an email at:

[email protected]

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2022-05-23
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Ask Jesse: How Should You Track Vacation Spending?

A listener writes into the show to ask: how should you track vacation spending? Vacation is a time to relax and let loose a little, but the listener wants to make sure he is pacing the family's expenses during the trip so he doesn't go overbudget.

 

Jesse offers a few different options, including sophisticated use of categories to track the vacation spend without creating too much complexity.

 

Have a question for Jesse? Send him an email at:

[email protected]

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2022-05-16
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A Financial Roadmap for Marriage and Financial Separation with Attorneys Kelly Frawley and Emily Pollock

Kelly Frawley and Emily Pollock are attorneys specializing in matrimonial and family law, and regularly contribute to Forbes on issues related to divorce and business. In today's episode, they discuss the important questions you should be asking before marriage about money, finances, and expectations about the future. And, in the event of divorce, some of the important things you should be doing and asking during the process.

 

Both Kelly and Emily agree that the most important thing couples can do before and during their marriage is communicate. Whether it's about debt and how you intend to pay it off, expectations about lifestyle and living expenses, plans for retirement -- if you keep communication frequent and open, then you will feel more certainty and security about your money.

 

Kelly and Emily on Forbes:

https://www.forbes.com/sites/frawleypollock/?sh=1c25b3d6eb04

 

Kelly Frawley: https://www.kasowitz.com/people/kelly-a-frawley

Emily Pollock:

https://www.kasowitz.com/people/all/emily-s-pollock/

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2022-05-09
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Better Budgeting... and a Rant about Banks

Struggling with YNAB? That's OK, you're not alone, and Jesse has a few things to look at and make sure you are truly following the Four Rules. And along the way, Jesse has a bone to pick about banks and their data export practices!

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2022-05-02
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Ask Jesse: First-Time Home Buyer in a Crazy Market

A first-time house shopper wrote into the show for advice on how to approach the crazy, red hot housing market we are currently in. The writer wants to buy her first home, but is unsure whether she will have enough money to put down as house prices rise at a rapid pace. Jesse reminds us that, most importantly, cash equals options, and it's never a bad thing to have more cash on hand. He advises her to become an expert on her local real estate market, and really think about why she wants to buy, and what exactly she needs from a home before taking the plunge into home ownership.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2022-04-25
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Savings With a Purpose

Jesse shares some case studies from the Mecham household, where he has taught his kids to budget their savings the YNAB way, giving those savings dollars a job. The kicker? Their savings sit in the same checking account as their fun money. With practice and the four rules, however, they have developed the discipline to spend only what they have budgeted for each purpose.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2022-04-18
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EP16 Money Stories: First Responders and Finance, $78k Debt Paid off in 28 Months

Jesse welcomes Jason and Katie Hoschouer to the podcast. Together they paid off $78,000 of debt in a mere 28 months, an amazing burst of focused saving and budgeting!

 

Jason is a retired police officer with 23-years experience in the force, now turned financial coach. He helps other first responders get their budgets in order, pay off debt, and build savings so they don't have to live paycheck to paycheck and work tons of overtime to make ends meet. He also hosts a podcast about finance for first responders, Badges & Budgets.

 

GPS Financial Coaching

https://www.gpsfinancialcoaching.com

 

Badges & Budgets Podcast

Apple: https://podcasts.apple.com/us/podcast/badges-budgets/id1611201890

Spotify: https://open.spotify.com/show/4vcWckWJibgAaRSyY5o8bu?si=15e96a154eaf44d7

 

2022-04-11
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Meet Todd: The CEO Behind YNAB

Jesse invites the CEO of YNAB, Todd Curtis, to the show to discuss the anatomy of the company, the collaborative philosophy behind the work done by the various teams and functions, and some of the previous work and experiences that have shaped Todd's attitudes about operations and business culture.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2022-04-04
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EP15 Money Stories: Unconventional Job? No Problem. A Lifetime of Budgeting Wisdom from Nina Clark

Nina Clark grew up in a large family tight on money, but with a mother who was very good at budgeting and stretching a dollar. Nevertheless, she wasn't taught anything about money growing up, so she learned her money lessons the hard way: overdrafting her checking account and racking up debt at a young age. Things got more complicated when she went through a divorce and became a single mother. Ever determined and positive, Nina regained her financial footing and became a seasoned budgeter with a little help from YNAB.

 

Nina's story is also unique in that she's never worked conventional jobs, and never made much money, so she had to budget carefully to pay off her debts. While working various jobs, she started a bookkeeping service to supplement her income, throw extra cash at her debt each time she landed a new client. Nowadays, Nina's budget is helping her save for retirement, travel, and help her daughter travel the world as well.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2022-03-28
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Ask Jesse All About Taxes

It's that time of year again, and April 15th looms! Taxes are due soon, and perhaps no other financial topic generates as much confusion and as many questions. To that end, Jesse answers questions about taxes from YNAB listeners who wrote into the show. As with any tax question, when in doubt it's always best to contact a tax professional!

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2022-03-21
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So You Want to Renovate Your Home...

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2022-03-14
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15 vs 30 Year Mortgage: Which Is Actually Better?

Jesse compares the pros and cons of the 15 year vs the 30 year home mortgage. While there are plenty of online calculators out there that will spell out the difference in interest costs and amortization between the two, Jesse argues that perhaps the math isn't the most important factor. It's how you feel about paying off the mortgage earlier.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

 

2022-03-07
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EP14 Money Stories: How Mackenzie Uses YNAB to Navigate College, Study Abroad, and Multiple Currencies

International student of mystery Mackenzie is financially wise beyond her years... all thanks to YNAB and embracing the four rules while a young college student. Since discovering YNAB Mackenzie has traveled throughout Europe, and has come up with some unique strategies for managing her budget in a variety of currencies: the British pound, the euro, and US dollars. She's also learned some lessons about careful budgeting living in some of the most expensive cities in the world, like London.

 

The most important thing for college students, she says, is to just get started with YNAB. Try just tracking your expenses for a month, and get some data about your spending habits. Then you can get a realistic picture of what a college budget should look like. You're always going to spend more on food than you think, she says, so your budget should reflect that. Secondly, be prepared to roll with the punches and go with the flow. Things change a lot from freshman to senior year -- work/study opportunities open up, off-campus housing becomes available, you might want a car -- and you can expect your budget will too.  Learn to be OK with not having a perfect budget, and know that you will only get better at it over time.

 

 

College students can use YNAB for a year FOR FREE. You just need to provide proof of enrollment. Check the link below for more details:

https://www.youneedabudget.com/college/

 

2022-02-28
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Master Your Grocery Budget with Erin

Long-time YNAB team member Erin returns to the podcast to discuss strategies for managing your grocery budget. With prices on the rise, many people are tightening their budgets, and groceries are a common line item of concern. Erin offers tips for making grocery shopping simpler, avoiding unnecessary purchases, and making strategic "fun" food purchases (like frozen pizzas) for those days when you just don't feel like cooking.

 

As Erin reminds us, your family's grocery bill is personal! It's tempting to want to compare yourself to others, or to an average, but the best strategy is to start with where you are and find ways to adjust from there. Food is a very personal thing, and many factors play into the food choices people make (allergies/restrictions, location, busy lifestyle, food availability, etc), so keep your eyes on your own plate.

 

A few of Erin's favorite cooking and food-related YouTube channels:

Frugal Fit Mom: https://www.youtube.com/c/FrugalFitMom See Mindy Mom: https://www.youtube.com/c/SeeMindyMom Ardent Michelle: https://www.youtube.com/c/ArdentMichelle You Suck at Cooking: https://www.youtube.com/c/yousuckatcooking Glen and Friends Cooking: https://www.youtube.com/c/GlenAndFriendsCooking

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2022-02-21
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A Little Momentum Is All You Need

In honor of 2/22/2022, which is quickly approaching, YNAB is giving you the chance to gain a little extra momentum in your budget this year. YNAB is giving away $2,222 to a lucky podcast listener! But you have to follow a few rules to have a chance to win:

On 2/22/2022, make a public post on Facebook, Instagram, Tik Tok or Twitter and tell us what you would do with $2,222. Tag YNAB on your social media platform of choice (tags listed below). Fill out the form on the YNAB website: https://www.youneedabudget.com/22-giveaway/

 

For those who don't do the social medias, you can email [email protected] and include promotion/contest name in the subject line.

 

A complete explanation of the rules and terms and conditions can be found at: https://www.youneedabudget.com/22-giveaway/

 

YNAB social media tags

Instagram: @youneedabudget ?
TikTok: @youneedabudget?
Twitter: @ynab
Facebook: @iYNAB

 

Good luck! 

2022-02-14
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Budget Nerds Is Now a Podcast!

Ben and Ernie return to the podcast to announce... their own podcast! Budget Nerds, the popular YouTube show for nerdy YNAB'ers, is launching a podcast on Wednesday, Feb 9th. Now you can take Ben, Ernie, and their nerdy budget adventures with you in the car, on the bus, maybe even in the kitchen!

 

As a bonus, Ben and Ernie share some "budget confessions" from Budget Nerds listeners.

 

Budget Nerds Podcast on Apple Podcasts https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345

 

Spotify

https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=34ab3b2a3435486b

 

2022-02-07
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Ask Jesse: Planning for 3-Month Paychecks and Windfalls

YNAB Podcast listener Jenna emailed Jesse to share a recent win. Jenna's husband is about to finish law school, and thanks to YNAB and a lot of work and sacrifice he will graduate with NO student loan debt. First of all, BIG congratulations to you and your husband! Jesse shares some thoughts on this achievement as well as how to manage windfalls with a long-term mindset.

 

Join the More Money Challenge:

https://www.youneedabudget.com/moremoneychallenge/

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2022-01-31
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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:

https://www.youneedabudget.com/moremoneychallenge/

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2022-01-24
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Real Estate 101 with Scott Trench (BiggerPockets)

Jesse chats with Scott Trench, CEO of BiggerPockets and a real estate investor, about how people can get started with real estate investing and build more wealth. Scott started his working career like many business college graduates, working at a large company as a financial analyst. Early on he stumbled across the Mr. Money Mustache blog, which advocates frugality and saving a large percentage of your income to achieve financial independence. From there, Scott became interested in using real estate to build his personal wealth and reach financial independence earlier in life.

 

Then, an encounter with the founder of the BiggerPockets website led Scott to a job with the company, and eventually, a chance to steer it as the CEO. Along the way Scott has learned a lot about real estate investing, and purchased and managed several properties. He now uses that knowledge to run the BiggerPockets website, which offers teaching and tools for people new to the real estate market.

 

Scott also acknowledges the costs and tradeoffs associated with becoming a good real estate investor. He's not shy about the amount of time needed to learn the basics, suggesting around 500 hours of reading and research before considering your first real estate purchase. For some people, like busy specialized professionals (doctors and lawyers for instance) or entrepreneurs running businesses, this time might be too high a cost, and distract from their primary focus. For the right person with patience and diligence, however, real estate investing can be an excellent way to build wealth and achieve financial independence.

 

BiggerPockets

https://www.biggerpockets.com

 

Join the More Money Challenge:

https://www.youneedabudget.com/moremoneychallenge/

 

2022-01-17
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The Organized Wallet with Ashley from TikTok

Jesse chats with Ashley, of TikTok fame (The Organized Wallet), about her journey finding the budgeting software through a chance blogpost to finally gaining control of her money after years of struggle. One of Ashley's keys to success is mindfulness, and she has some great exercises for improving your mindfulness around money.

 

A few years into her marriage, Ashley had a reckoning with money. Her husband Jeremy had just landed a big job opportunity, but it required him to travel frequently. To keep things running smoothly, Ashley needed to assume management of the budget, which Jeremy had been handling up until that point. Ashley tried hard, but was overwhelmed with the spreadsheets, the sheer number of bills and accounts, and missed a payment on one of the bills. Distraught, she ran across a blog post by A Cup of Jo about a budgeting software called You Need A Budget. She jumped in, and finally found a method to help her gain control of her money.

 

Ashley now has a lot of wisdom to share about managing your money. She reminds us that we're all works in progress, and just because you can't budget perfectly -- especially at first -- doesn't mean it's not worth doing at all. Small efforts add up to big change with time. She also points out that clutter in our wallets (or budgets!) often means we aren't clear on our values. Decluttering our financial lives means first getting clear on what we want out of life.

 

Ashley on TikTok

https://www.tiktok.com/@theorganizedwallet

 

Read more on Ashley's story:

https://www.youneedabudget.com/after-struggling-to-budget-this-book-made-it-stick/

 

Join the More Money Challenge:

https://www.youneedabudget.com/moremoneychallenge/

 

 

2022-01-10
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Take the More Money Challenge with Veronica

Happy New Year! It's that time again -- time for planning, goal setting, and resolutions. If you're listening to this podcast, one of your New Year's resolutions might be to save more money. YNAB can help you with that!

 

YNAB team member Veronica is leading the way with the More Money Challenge, a 30-day challenge to help you kick start your savings in 2022. The rules are simple, but the challenge is hard. Luckily, there's a whole community of like-minded YNAB'ers that will be running the challenge together.

 

Join the More Money Challenge:

https://www.youneedabudget.com/moremoneychallenge/

 

Instagram: https://www.instagram.com/p/CYFRUQYBdMV/

 

TikTok: ynab.com/tiktok

2022-01-03
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Budget Burndown Revisited: How to Set and Reach Your 2022 Financial Goals

It's that time of year again... time to burn it all down! The budget, that is. Every year Jesse "burns down" his budget, deleting all the categories and questioning whether the family could live without them. It's a fun thought experiment, especially with the typical must-have things.

 

Do you really need groceries every month? Of course you do, but what if you didn't do it? How would you survive? The point is not to figure out how to live without groceries, it's to ask the question and get your brain thinking about the deeply held assumptions you have about your consumption. At the end of the day, most of your categories will probably go back in. But hopefully, you'll rethink at least one thing in your budget, and find an opportunity to bring your spending more in line with your priorities in the New Year.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-12-27
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EP13 Money Stories: Jak and Chelsea Tackle ADHD... with YNAB

Millions of people struggle with ADHD, and it has financial ramifications -- decision fatigue, difficulty planning future purchases, and impulsive spending habits. Jak is a coach for "ADHD'ers," as she calls them, helping people form strategies for coping with emotional highs and lows and gain control over their money. An ADHD'er herself, she found the visual aspect of YNAB highly effective in keeping her engaged with both her current spending and her long-term plans (sinking funds).

 

Chelsea is an intuitive eating coach, and a fellow ADHD'er who engaged Jak for coaching. Together they discovered YNAB, and joined the podcast to share its helpfulness with others suffering from ADHD.

 

You can find more about Jak and Chelsea here:

Jak IG: @authenticallyadhd

Jak email: [email protected]

YNAB and ADHD Workshop: www.authenticallyadhd.com/membership

 

Chelsea IG: @_chelseahester_

Chelsea website: www.chelseahester.com

 

2021-12-20
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Celebrating Your Biggest Wins in 2021

We're nearly to the end of 2021, so Jesse took a moment to celebrate all of your biggest budgeting wins this year. To all the YNAB users who accomplished your goals and improved your financial standing -- no matter how big or how small -- congratulations! Here's to another year of budgeting wins, breaking the paycheck to paycheck cycle, and reduced stress.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-12-13
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Ask Jesse: How Do I Get Back on the Budget Bandwagon?

A listener asks -- what can I do to get my budget back on track after falling off the wagon?

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-12-06
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Meet the Chief of Side Hustles: Nick Loper

Jesse chats with the Chief Hustler of side hustles, Nick Loper. Nick  has made a living out of side hustles, literally! A serial entrepreneur, Nick started a number of small businesses and side hustles before writing books about his experience and teaching others how to start their own side hustles. He is also an author, with a new book out: $1,000 100 Ways.

 

After helping thousands of people launch their own hustles, Nick probably has a way (or maybe 100 ways) you can start your own and bring home more money.

 

Side Hustle Nation Ideas

https://www.sidehustlenation.com/ideas

 

The Side Hustle Show

https://www.sidehustlenation.com/side-hustle-show/

 

$1,000 100 Ways by Nick Loper

https://www.amazon.com/gp/product/B099TQL3T7/ref=dbs_a_def_rwt_hsch_vapi_tpbk_p1_i0

 

2021-12-01
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Ask Jesse: How to Launder Money... for Christmas?!

Jesse answers a reader trying to save for a surprise Christmas present for his significant other, but also trying to be faithful to his YNAB budget. Jesse shares a few tricks and some "creative accounting" within YNAB to help you save up for Christmas gifts without spoiling the surprise or the budget.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-11-29
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Don't Afterpay Your Way Though the Holidays

Watch out credit cards, a new game is in town, and it's waiting to trip up your budget during the holiday season. We're talking about payment plans: sort of like a credit card, sort of not, but definitely loaded with high interest, fees, and confusing terms designed to trip up customers. YNAB has a team dedicated to helping budgeters navigate their way through payment plans using the YNAB software, and ultimately get out of them altogether. Sofia Hergenrader, a YNAB expert on payment plans, joins the podcast to talk about the pitfalls of this new breed of financial products.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-11-24
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Ask Jesse: Living Right And It's Not Fair

Jesse answers a concerned parent emailing about their son's college experience. After raising a thoughtful and budget minded son who paid for his first semester of college by working a series of jobs during high school, the parent was dismayed by the extravagant lifestyle and expenses of his classmates. Expensive vacations, clothing, electronics -- many undergraduate students aren't living like students, and it can be frustrating for people embracing a life of responsible budgeting. Nevertheless, Jesse reminds the listener that the gifts of budgeting, responsibility, and good planning pay off in the long run far more than ephemeral luxuries.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-11-22
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Adapt or Die

Of the Four Rules, is one more important than the others? Is there one rule to rule them all? In the past, Jesse has argued that rules 2-4 are essentially derivatives of Rule One. But perhaps there's another contender -- Rule Three: Roll with the Punches. Life is all about rolling with the punches, adapting to ever-changing stresses and forces in our environments. Budgeting, Jesse argues, is no different.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-11-17
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Ask Jesse: Should I Sell My Crypto to Pay Off Debt?

Jesse answers an email from a listener wondering, should he sell his cryptocurrency in order to pay off his debt?

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-11-15
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Growth After Trauma: Krista St. Germain from The Widowed Mom Podcast

Jesse chats with life coach and podcaster Krista St. Germain, a widowed mother who had to work through waves of grief after her husband unexpectedly passed away five years ago. Krista discusses her journey moving through grief, learning to rewrite the narratives of her guilt, and finding a path to grow after such a traumatic experience.

 

Krista helps other widowed mothers navigate their journey, and hosts a podcast discussing grief, Post Traumatic Growth, and more.

https://www.coachingwithkrista.com

 

https://www.coachingwithkrista.com/category/podcast/

 

2021-11-10
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EP12 Money Stories: Njeri Young Asks "How Do You Want Your Money to Treat You?"

Njeri Young is an avid YNAB user, but she didn't start out that way. In fact, it took her years of stops and starts before she finally gained control over her dollars, learned how to budget, and build a healthy relationship with money. Although some people on the internet make it look easy, Njeri's experience is common, and she has learned many valuable lessons along  her journey.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-11-08
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18 Summers: Jim and Jamie Sheils on Building Stronger Families

Jim and Jamie Sheils make a sobering, but important, observation -- we only have 18 summers to spend with our children before they become adults and move off to start their own lives. Jesse chats with Jim and Jamie about how we can spend more time with our children, be more present in our relationships, and manage the most precious and scarce resource of them all: time.

 

Jim and Jamie are the parents of four children, and help coach other families to develop tighter bonds and enjoy more meaningful time with each other.

https://www.18summers.com/about

 

Jim and Jamies' book: The Family Board Meeting

https://www.18summers.com/book

 

2021-11-03
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Money Story EP11: Chris Wilson on Simplifying Your Why

Jesse chats with avid YNAB'er Chris Wilson, who turned around a stressful and unfulfilling life by applying YNAB's Four Rules to his budget, and then to his life. Chris explains that the key to his transformation was learning to "simplify his why," and get clear about his values and priorities.

 

Chris now strives to help others find more security in their finances and more fulfillment in their lives. He offers a free coaching course via his website:

https://simplifyyourwhy.com

 

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-11-01
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Throw Away Your To-Do List: Tanya Dalton On Purpose

Tanya Dalton is passionate about helping women take charge of their schedules and get more done. But it's not just about checking things off the list, she says, it's about giving your tasks priorities and allocating your time to the most important things. And just because something is urgent, doesn't necessarily mean it's important! Tanya Dalton shares strategies from her book "On Purpose" for getting more done, and feeling more in charge of your life.

 

Tanya Dalton "On Purpose"

https://tanyadalton.com

 

The Intentional Advantage Podcast

https://tanyadalton.com/podcast

 

2021-10-27
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The Spectrum of Wealth

Inspired by the ideas in Morgan Housel's book The Psychology of Money, Jesse discusses the meaning of the word "wealth," and how we define wealth in our own lives. Is it just about money in the bank, or is it about our physical health too? Or family health, or liking our job, or having options in life? It turns out, wealth can mean many different things, and perhaps it's best to look at wealth as a spectrum rather than simply a pile of money in the bank.

 

The Psychology of Money by Morgan House

https://www.collaborativefund.com/blog/the-psychology-of-money/

 

2021-10-25
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Your Cash Is Your Strategy (Rebroadcast from Beginning Balance)

Did you know Jesse has another podcast all about business? He and veteran YNAB'er and virtual CFO Mark Butler have launched Beginning Balance to talk about the lessons they've learned consulting with other businesses as well as managing their own businesses. In today's episode, we are rebroadcasting an episode of Beginning Balance which looks at how applying Rule One -- Give Every Dollar a Job -- to a business can actually help improve its strategy.

 

Beginning Balance on Apple Podcasts

https://podcasts.apple.com/us/podcast/beginning-balance/id1569423517

 

Beginning Balance on Spotify

https://open.spotify.com/show/7APubdzXN2eeeMdNpCLkiy?si=1e2af4932ca643eb

 

2021-10-20
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Once Again, The Holidays are Upon Us

When did that happen? It seems like the year was just getting started, and all of a sudden it's mid-October. The holidays are coming soon -- have you been creating space in your budget for your holiday spending? If not, it's not too late! There's still time to set some cash aside in your holiday spending category, plan your expenses carefully, and make some choices about your travel plans and gift giving this year.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-10-18
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The Montblanc Effect

It's normal to want some amount of luxury or finery in your life, but have you considered the true cost of luxuries? There might be more to it than just the sticker price...

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-10-13
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From the YNAB Mailbag: When Should I Invest in the Stock Market?

Jesse answers a listener-submitted question. If you've paid off your debt, and you have an emergency fund, should you start investing in the stock market? If your goal is to build wealth -- and there are many good reasons to -- then investing in the stock market is a great way to do that.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-10-11
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Tik Tok for Financial Advice? YNAB's Got That Covered

Did you know YNAB is on Tik Tok? Yep, thanks to YNAB team member Sarah Schweisthal, You Need A Budget has been lighting up Tik Tok "stitches" with budgeting advice for the yoots. Sarah talks about her work sharing the Four Rules on Tik Tok, as well as her own budgeting journey going from being deeply in debt to traveling full-time in a travel trailer.

 

Follow YNAB (and Sarah) on Tik Tok:

https://www.tiktok.com/@youneedabudget?lang=en

 

Take the 34-day challenge:

https://www.youneedabudget.com/34dayreset/

2021-10-06
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Should You Invest in Crypto?

It's been hot for years, and has recently become white hot. Cryptocurrencies have the potential to change money and finance in a profound way, but does that make it a good investment, or mere speculation? How would you invest in crypto anyway? Jesse offers his thoughts on this incredible 21st century innovation.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-10-04
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How the World's Greatest Investors Win in Markets and Life

Jesse speaks with renowned financial journalist William Green about his new book -- Richer, Wiser, Happier: How the World's Greatest Investors Win in Markets and Life -- in which Green interviewed numerous billionaires, fund managers, and legendary investors about their investing wisdom, mindset, and even philosophy. Even if you are just a passive index investor who does not aspire to purchase individual securities, the words of these accomplished investors contain much wisdom.

 

Richer, Wiser, Happier: How the World's Greatest Investors Win in Markets and Life by William Green

https://www.amazon.com/gp/product/1501164856?ie=UTF8&tag=thewaspos09-20&camp=1789&linkCode=xm2&creativeASIN=1501164856

 

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-09-29
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Investing 101, Pt 2: How to Get Started

School is back in session! And today, Jesse and Matthew Amster-Burton are discussing everything you need to do to get started investing for retirement. They break down the different types of  investment accounts, mutual funds and index funds, bonds, and a few simple, stress-free strategies for investing.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-09-27
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Building Passive Income through Real Estate with Dustin Heiner

Jesse chats with Dustin Heiner, a real estate investor who quit his job five years ago after building a passive income stream sufficient enough to live on. Dustin received a wake up call several years ago when he was laid off from what he thought was a stable government job when his department lost funding. Although he was able to find a new position in a different department, he vowed to never be in that position again, so he put his energy into building a sustainable business out of real estate.

 

Dustin argues that most people have real estate investing backwards -- they look for good properties, buy one, then try to figure out how to make a business out of it. He works the opposite way, building systems and an operating model for the business -- how he will find tenants, how he will contract with property managers, how he will finance the property purchase, etc -- before buying a single property. Once the business is worked out, he can buy as many properties as he likes and slot them into his inventory. At the end of the day, the property is not the business, he says, it's inventory for the business!

 

Dustin has started a website and coaching service to help others learn to invest in real estate and build passive income streams. You can find him at:

https://www.masterpassiveincome.com

 

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-09-22
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Investing 101 with Matthew: Terms You Need to Know

School is in session! Jesse teamed up with Matthew Amster-Burton (who you have heard on the Behind the Scenes series), a YNAB team member and former financial advisor, to create a short series demystifying the world of investing. For the first day of class, they cover some of the basic investing terms you will encounter.

 

YNAB is all about helping you save more money, but eventually some of that money has to go to work for you and earn a return. The return that your saved money can earn over time makes a huge difference in how much money you have in retirement. Armed with a little knowledge, you can start investing in your future you!

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-09-20
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You Might Be a Budget Nerd If...

It's time to play a little game. Jesse and a couple YNAB team members gather to play "you might be a budget nerd if...." See if you can call yourself an official budget nerd!

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-09-15
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Financial Order of Operations

Do you pay off debt first, or invest for retirement while paying it off slower? Or do you build an emergency fund first? How much? There are a number of tradeoffs when it comes to paying off debt, saving, and investing, and Jesse reminds us that there is no prescription! Everyone's budget is personal, and will depend on their goals, values, and emotional response to the budgeting process.

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-09-13
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The Financial Pressures of The Sandwich Generation with Jennifer Owens

With the Baby Boomer generation rapidly aging into retirement, more and more Generation X and older Millennials face some tough financial questions: how do you financial support parents that need medical care, or long-term assistance, but cannot afford it? Should you support kids after college by allowing them to live at home while they get their financial feet under them? Should you save for your own retirement first, or help your parents/kids first?

 

Jennifer Owens calls this conundrum the "sandwich generation," people facing financial pressure from supporting both parents and children at the same time. While she does not have any hard and fast answers to these questions -- it's a complex problem, with many factors to consider -- she does believe that talking about the problem and sharing the challenges helps people know they aren't alone.

 

Jennifer has written extensively about the sandwich generation, and she is also working with a new app called Firstly which helps families manage supporting their children and parents as they navigate different stages of life.

 

https://firstly.com/about-firstly/

https://firstly.com/articles/how-in-the-world-did-i-end-up-in-the-sandwich-generation/

 

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

2021-09-08
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