The Jesse Mecham Show

By Jesse Mecham

Money shouldn't be this hard — and it isn't! YNAB founder Jesse Mecham is here to help you finally stop worrying about money and get good at spending it.... more

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The podcast currently has 830 episodes available.

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Number 1: 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
December 27, 20219min
Number 2: For Now
Jesse continues discussing the new central question of the YNAB method -- what does your money need to do? -- which replaced the old commandment to give every dollar a job. There are only five ways to answer this question, but it is deceptively deep. One of those answers is "for now," that is, the money needs to be used now, for expenses that are imminent and non-negotiable. The mortgage, water and electricity, groceries (maybe)... but not necessarily all bills. Jesse warns that the "for now" category of answers is easy to get lazy with, and that simply deciding all your bills and commitments need to be paid now doesn't give you true clarity into what your money needs to do. For instance, let's take groceries. You need food now, sure, but do you need to buy groceries right now? Maybe you have a store of food that has built up in the pantry, that you have forgotten about or are avoiding. You don't absolutely have to buy groceries if that's the case, and eating your stores offers some options with your money that you may not have identified otherwise. Order Jesse's new book, Never Worry About Money Again: www.neverworryaboutmoneyagain.com Got a question for Jesse? Send him an email: [email protected] Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial
September 17, 20269min
Number 3: What Is Enough?
Jesse ponders the question -- what is enough? What if you set the bar at physical subsistance, enough food, shelter, and clothing to be secure? If that is enough, then everything you have beyond it is extra. When you set the bar there, then everything you spend on extra takes on more meaning -- it's not stuff you have to buy, it's stuff you get to buy, and therefore is more expressive of yourself. What does your money need to do... once you have enough? Order Jesse's new book, Never Worry About Money Again: www.neverworryaboutmoneyagain.com Got a question for Jesse? Send him an email: [email protected] Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial
September 10, 20268min
Number 4: Slow Down
In keeping with the theme of last week's episode and reducing your information intake, today Jesse encourages reducing your to-do lists as well. Referencing Oliver Burkeman's Four Thousand Weeks, he points out that waiting to relax and engage in leisure until after the to-do list is finished is a futile exercise -- the to-do list will never be finished, the sense of urgency to add more and do more will never relent... until you give yourself the grace to have a "human-sized" to-do list. Then relax, and slow down. In doing so, things will become clear to you in a way they never would in the ceaseless hustle and bustle. Order Jesse's new book, Never Worry About Money Again: www.neverworryaboutmoneyagain.com Got a question for Jesse? Send him an email: [email protected] Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial
September 03, 20268min
Number 5: Information Overload
YNAB is all about creating clarity with your money, and that central question -- what does it need to do? -- and therefore, clarity in your life. Clarity is very difficut, if not impossible, to achieve when you are overloaded and overwhelmed with inputs. Today Jesse challenges you to unhook yourself from the matrix, turn off the feeds, leave social media, and drastically reduce your diet of information. Not just for a week, try it for a year. Maybe two years. When you have fewer inputs into your thought process, you have more time to consider what is important to YOU, without having to parse what the algorithm is trying to push as important. You need space to think and reflect, and to get space you need to clear space. Give a try and see what happens! You may just find the answer you've been looking for (hint: what does your money need to do?) Got a question for Jesse? Send him an email: [email protected] Order Jesse's new book, Never Worry About Money Again: www.neverworryaboutmoneyagain.com Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial
August 27, 20269min