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The YNAB Podcast

Latest episodes

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Sep 9, 2024 • 5min

Money Ready, Spend With Joy

Andrew, an enthusiastic YNAB user and strength coach, shares his inspiring take on mindful spending. He recounts a delightful encounter at REI where he snagged a pair of discounted ski boots, illustrating how budgeting can transform purchasing decisions. By allocating funds specifically for this purchase, Andrew experienced no second-guessing—just pure joy. This discussion highlights the empowerment that comes from effective budgeting and how it leads to stress-free buying experiences.
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Sep 2, 2024 • 6min

More Isn't More

Many believe that earning more money will solve their financial issues, but it often leads to even more spending problems. The discussion highlights that broken spending habits will persist regardless of income. Instead of focusing solely on increasing earnings, the importance of intentional spending and proactive financial planning is emphasized. Learn how to address your habits to achieve your personal financial goals more effectively!
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Aug 26, 2024 • 10min

Earning With Purpose

In this enlightening discussion, Jesse emphasizes the significance of giving every dollar a job, transforming the relationship with money from mere obligation to purposeful engagement. He shares insights on balancing purposeful spending, joyful giving, and aspirational saving, using humor and personal anecdotes. Jesse encourages listeners to align their earning and spending with their values, revealing how this approach can imbue financial decisions with deeper meaning and empower individuals to pursue their passions.
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Aug 19, 2024 • 10min

Tentacles and Rainbows

Jesse, an advocate for seeing money as a positive force, shares insights on how financial stress can entangle our lives. He likens the impact of money to tentacles, but encourages a shift in perspective to see the rainbows it can create. Jesse discusses four key principles that empower individuals to transform their relationship with money, emphasizing its role as a tool for self-expression and alignment with personal values. Tune in to discover how to turn financial worries into opportunities for fulfillment.
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Aug 12, 2024 • 7min

You Need Frugality?

Frugality takes center stage as the discussion explores its deeper purpose beyond just saving money. Historical contexts and personal interpretations of frugality are examined, urging listeners to re-evaluate their own definitions. The hosts emphasize that being frugal should lead to meaningful financial goals rather than being an end in itself. This conversation intertwines ethical and environmental implications, inviting a reflective approach to one’s relationship with money.
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Aug 5, 2024 • 10min

Give Up, or Downshift?

Jesse recounts a hiking adventure where he faced altitude sickness, illustrating the importance of adapting plans when challenges arise. He connects this experience to personal finance, emphasizing that it's okay to slow down instead of giving up. Purposeful spending takes center stage, as each dollar serves a specific role. The journey reflects on finding balance in financial stewardship across life stages, showcasing how personal growth intertwines with financial awareness.
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Jul 29, 2024 • 7min

Big Goals? Check. In the Meantime...

Jesse, a financial planning expert and founder of YNAB, discusses the art of balancing big financial goals with the pleasures of daily life. He emphasizes that it's perfectly fine to indulge in spending while working toward long-term aspirations. The conversation highlights the importance of enjoying the journey rather than just focusing on the destination. Jesse’s insights encourage listeners to embrace life’s moments while still being mindful of their financial health.
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Jul 22, 2024 • 7min

A Fun Way to Do Fun Money

Kyle, long-time YNAB software engineer, shares a fun way to handle 'fun money' by creating separate bank accounts with separate budgets to keep spending separate from his spouse. This method allows for guilt-free spending and surprises for each other. Jesse and Kyle discuss the benefits of this approach, despite typically advocating for simpler bank accounts.
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Jul 15, 2024 • 5min

The Utility (or Not) of the Month

Explore the intriguing relationship between time and finances. Delve into how our monthly outlook shapes budgeting yet can also limit our financial choices. Discover the importance of personal financial confidence over strict monthly metrics. Uncover the potential pitfalls of rigid financial planning based solely on months, and learn how to adapt for better money management.
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Jul 8, 2024 • 7min

Maybe Just Buy the Thing (and Costco)

The allure of Costco shines as the hosts discuss its straightforward shopping model. They highlight the irony of spending excessive time hunting for deals, suggesting that sometimes it’s just better to buy what you need. The conversation dives into the joy of convenience, emphasizing how simplifying purchases can save time and reduce stress. The philosophy of spending intertwines with the humor of consumption and the value of giving, challenging listeners to rethink their financial habits.

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