In today's episode, Jesse hands over the mic to YNAB team member Dave Crombleholme, who presented at the Minneapolis Fan Fest in June 2025. Dave is perhaps most famous for his idea of the Wish Farm at YNAB, but he's also spent a long time wrestling with the word budget. In Dave's presentation, he outlines various iterations of the YNAB rules over the years, explains why the concept of rules never sat right in the first place, and how trying redefining the word budget proved to be a frustrating endeavor. In the end, it was always about spending, about giving every dollar a job, and spending to build the live you want to live.

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