The YNAB Podcast

Advice for Procrastinators Not Wanting to Deal With Money

Jan 13, 2025

Struggling with financial procrastination? You're not alone! Embrace the idea of starting small and remember, perfection isn't the goal. Learn to see money management as a form of self-care. Jesse shares insights from his two decades of experience, highlighting how getting in tune with your spending can lead to more joy in life. Financial fears don’t have to hold you back—face them and take that first step towards a happier financial future!

06:13

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Quick takeaways

Accepting imperfection in money management promotes a flexible approach that allows individuals to begin taking control without pressure.

Reframing money management as self-care enhances personal well-being and encourages a proactive engagement with financial decisions.

Deep dives

The Importance of Flexibility Over Perfection

It's essential to understand that perfection in money management is unattainable, and one should focus on flexibility instead. Many individuals, particularly perfectionists, often delay getting started out of fear and the desire for a flawless plan. Accepting that money management involves adaptability allows one to begin taking control of their finances without the pressure of achieving perfection. Acknowledging that there is no perfect formula after years of experience reinforces the idea that progress is more valuable than pursuit of an ideal.

Overcoming Financial Procrastination and Embracing Self-Care

6min

If you have been procrastinating about starting to manage your money, Jesse has a message for you. It's ok to start now, and start small -- and you don't have to be perfect either! Jesse has been using the YNAB method to manage his money for twenty years now, and he still hasn't reached perfection. But, he has become more in tune with his spending and learned how to create more joy in his life as a result, and he's helped millions of other people to do the same through YNAB. Jump in!

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askjesse@ynab.com

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