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

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

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

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

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

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

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

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/

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

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