The Jesse Mecham Show Changing The Rules of Money | Dave Crombleholme Live from Fan Fest Minneapolis 2025
Oct 16, 2025
Dave Crombleholme, a veteran YNAB team member and creator of the engaging Wish Farm concept, shares his insights from Fan Fest Minneapolis 2025. He explores the evolution of YNAB’s rules, discussing how they transitioned to empowering questions that enhance personal spending practices. Dave addresses the negative connotations of the word 'budget' and introduces 'spendfulness' to promote a positive approach to finances. Through the inspiring stories from the Wish Farm, he emphasizes intentional spending and the joy it can bring to one's life.
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Farm Saved By Budgeting Confidence
- Dave used YNAB to manage wildly variable farm income and avoid foreclosure on his homestead.
- YNAB gave him the confidence to design the life he wanted to live.
Give Every Dollar Is The Method
- The team realized "Give every dollar a job" isn't one rule but the entire method.
- Elevating that idea simplified all other principles into how you assign money before spending.
Rules Undermine Personal Agency
- The word "rules" conflicted with YNAB's aim to empower personal choice and agency.
- Imposed rules invite shaming and contradict guidance that users are the experts on their own finances.