Explore the concept of budgeting as strategic spending for the future, shifting the perspective to planned spending rather than restriction. Learn about saving for future expenses like retirement and hear insights from a finance writer on modern spending plans.

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She used to buy every gadget that crossed her path. Now, her cousin calls her “the Queen of Cheap.”—learn how Jennifer paid off all of her student loans and most of her credit card debt, and purchased her very first home in Chicago proper.   Find more information at http://ynab.com/debt-podcast

Obligations remain despite life-changing circumstances.

This family of four lives in Downsville, Utah. When her husband lost his accounting job, they turned to the credit card. When they hit a $15,000 balance, she discovered YNAB ...   Find more information at http://ynab.com/debt-podcast

Jesse expounds on his stance of not paying for his children's college education

This family of four in Marietta, Georgia, had racked up $263,000 of debt—a number that used to keep Brittany awake at night (and that was before the job losses). Still, they made it work.   Find more information at http://ynab.com/debt-podcast

Some things get better when they experience shock

He and his wife paid off $30,000 of debt in three years. It was all about choices—find out whether they picked air conditioning or Amazon Prime.   Find more information at http://ynab.com/debt-podcast