Budget Nerds #116 - YNAB's Future Vision with CEO Todd Curtis
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May 21, 2025 Todd Curtis, CEO of YNAB and a dedicated user since 2008, shares his journey from beta tester to leader of the budgeting platform. He discusses the evolution of YNAB's philosophy towards planning and the significance of new features that simplify budgeting for users. Todd highlights the concept of 'Spendfulness' and the innovative approaches YNAB is taking to enhance financial management, making it a more positive experience. He also reveals insights into user feedback shaping the app's future and how personal values can transform budgeting.
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Todd's YNAB Journey Begins
- Todd Curtis became involved with YNAB by emailing Jesse to be a beta tester for the Mac version before he could even use the product.
- This connection eventually led to him being hired by the company years later, showing how persistence pays off.
25-Year-Old Budget Keepsake
- Todd Curtis kept the handwritten budget from when he and his wife moved in together 25 years ago.
- It illustrates personal early budgeting with thoughtful category spending and priorities like cable, gas, and their cat Zoe.
Learning From Real Users
- YNAB gathers feature ideas from everywhere but gains best insights from watching real users interact with the app firsthand.
- Observing struggles and successes reveals authentic user needs far better than relying on verbal feedback alone.