Former corporate strategist Mackenzie, from Apple and Warby Parker, aims to challenge Hallmark and American Greetings with her Shopify store and newsletter. Topics discussed include embracing the idea of starting without feeling ready, playing to your strengths in business, and embracing the messy process of entrepreneurship.

International student of mystery Mackenzie is financially wise beyond her years... all thanks to YNAB and embracing the four rules while a young college student. Since discovering YNAB Mackenzie has traveled throughout Europe, and has come up with some unique strategies for managing her budget in a variety of currencies: the British pound, the euro, and US dollars. She's also learned some lessons about careful budgeting living in some of the most expensive cities in the world, like London.   The most important thing for college students, she says, is to just get started with YNAB. Try just tracking your expenses for a month, and get some data about your spending habits. Then you can get a realistic picture of what a college budget should look like. You're always going to spend more on food than you think, she says, so your budget should reflect that. Secondly, be prepared to roll with the punches and go with the flow. Things change a lot from freshman to senior year -- work/study opportunities open up, off-campus housing becomes available, you might want a car -- and you can expect your budget will too.  Learn to be OK with not having a perfect budget, and know that you will only get better at it over time.     College students can use YNAB for a year FOR FREE. You just need to provide proof of enrollment. Check the link below for more details: https://www.youneedabudget.com/college/