The Jesse Mecham Show – Details, episodes & analysis
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Apple Podcasts
🇺🇸 USA - education
11/06/2025#95🇺🇸 USA - education
10/06/2025#84
Spotify
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See all- https://jamesclear.com/atomic-habits
861 shares
- https://www.youneedabudget.com
328 shares
- https://www.18summers.com/book
300 shares
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See allScore global : 43%
Publication history
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There Is No Such Thing as Savings
Episode 737
jeudi 19 juin 2025 • Duration 08:18
It seems obvious that you should save money. It's the right thing to do, after all! But even the words that we use talk about saving money have problems -- should, ought -- loaded with moral baggage. Jesse reminds us that even money earmarked for savings is still spending, just spending that has been deferred to a later date, retirement for example. That money still needs to have a job, however. Saving for what in retirement? Utility bills? Travel? Presents for the grandkids?
Money for the future has a job just like money for the present, and when you view money through the lens of giving every dollar a job, you begin to see that money is only meant to be spent. There is no savings, only spending!
Watch The Jesse Mecham Show on YouTube:
https://www.youtube.com/@jessemechamshow
Got a question for Jesse? Send him an email:
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What I Do When I Really Want to Buy It
Episode 736
jeudi 12 juin 2025 • Duration 07:38
When you really want to buy something, what do you do? Do you wait for 48 hours to cool off a bit and think it over? Or perhaps do you create a category for it in YNAB and fund it with a few dollars, just to see how it feels? Having the urge to buy something is not a bad or shameful thing, but there should be a process for weighing that purchase against your other priorities. That's what YNAB does -- it makes money more real by giving you a framework to evaluate your spending against your priorities. That way when you buy something, you can feel really good about it -- no shame, no guilt, just joy!
Watch The Jesse Mecham Show on YouTube:
https://www.youtube.com/@jessemechamshow
Got a question for Jesse? Send him an email:
Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
Follow YNAB on social media:
Facebook: @ynabofficial
Instagram: @ynab.official
Twitter/X: @ynab
Tik Tok: @ynabofficial
Tickets to YNAB Fan Fest 2025 are on sale now! Coming to Minneapolis and NYC:
Are Your Savings Making You Stingy?
Episode 727
jeudi 10 avril 2025 • Duration 07:30
All money is meant to be spent, it's just a matter of when. Some people get caught in a cycle of amassing savings with no clear goal of how it is to be spent. Jesse shares an example from his wedding of how the desire to save money can backfire, and demonstrates how having a plan for your money, whether it's in the near future or distant future, is the most important thing.
As we say at YNAB, give every dollar job.
Watch The Jesse Mecham Show on Youtube:
https://www.youtube.com/@jessemechamshow
Got a question for Jesse? Send him an email:
Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
Follow YNAB on social media:
Facebook: @ynabofficial
Instagram: @ynab.official
Twitter/X: @ynab
Tik Tok: @ynabofficial
Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC:
Rules Changes: A Quick Trip Through YNAB History
Episode 638
lundi 31 juillet 2023 • Duration 13:16
Did you know that YNAB's Four Rules weren't always four? And contrary to popular belief, they did not spring forth from Jesse's head fully formed! No, the Four Rules developed over years as Jesse refined and clarified the YNAB method behind the software (and originally, the spreadsheet). Ben and Ernie take a quick spin through the history of the Four Rules, going all the way back to the very first YNAB website in 2004.
Budget Nerds Episode #50: A Brief History of the YNAB Rules
Apple Podcasts
Spotify
https://open.spotify.com/episode/3AdIeFpt0ZfuM0kKEF8Yr0?si=d235636937564f38
Got a question for Jesse? Send him an email:
Follow Ben and Ernie on the Budget Nerds Podcast
Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345
Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6
Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
How to Talk to Your Partner About Budgeting
Episode 637
lundi 24 juillet 2023 • Duration 09:56
Ben and Ernie share their personal experiences talking to their partners about budgeting and YNAB. Every family is different, and every partnership will handle communicating about money and budgeting differently, but the important thing is that you do it! Frequent, regular money conversations help everyone stay on the same page and focused on the same goals, whether one person manages all the YNAB details or each person shares equally in that task.
Got a question for Jesse? Send him an email:
Follow Ben and Ernie on the Budget Nerds Podcast
Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345
Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6
Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
Managing Vacation Transactions
Episode 636
lundi 17 juillet 2023 • Duration 06:28
It's peak vacation season, so Ben and Ernie are comparing notes on handling the vacation budget in the moment. One the one hand, you want vacation to be vacation -- a time to unplug, be in the present moment, engaged with your family and friends. On the other hand, waiting until the end of the trip to categorize all your transactions can be overwhelming! Ben and Ernie share their approach to managing the transaction log without going crazy or burying your face in your phone the whole trip.
Got a question for Jesse? Send him an email:
Follow Ben and Ernie on the Budget Nerds Podcast
Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345
Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6
Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
How Often Should You Reconcile?
Episode 635
lundi 10 juillet 2023 • Duration 06:12
Reconcile your budget, that is! Ben and Ernie discuss their budget reconciliation habits, and make a case for why you should reconcile every day, especially if you are new to YNAB.
Got a question for Jesse? Send him an email:
Follow Ben and Ernie on the Budget Nerds Podcast
Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345
Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6
Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
Leaving Margin for Life
Episode 634
lundi 3 juillet 2023 • Duration 07:39
Ben and Ernie share a tip for making the budget feels a little less constricting -- leave a little margin in your categories! This is not an emergency fund, Ben says, but a way to give yourself some flexibility and fun.
Got a question for Jesse? Send him an email:
Follow Ben and Ernie on the Budget Nerds Podcast
Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345
Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6
Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
One Easy Trick to Boost Your Retirement Savings
Episode 633
lundi 26 juin 2023 • Duration 05:51
We all know we need to save for retirement, but it can feel a long ways away. Savings can always wait while you deal with something more urgent, it seems, until all of a sudden retirement starts staring you in the face!
The most important factors in saving for retirement are starting early, and consistency, Ernie reminds us. How do you create consistency? There's an easy trick. If you're not yet, start contributing something -- anything! -- to your retirement accounts now. That amount will be some percentage of your income. Each quarter, increase that percentage of your income you are contributing by 1%. It doesn't seem like much, but it adds up fast! And most importantly, it's a slow enough change that it gives you time to adjust. As one YNAB listener writes in, it doesn't even feel like you're missing the extra money, while at the same time it's encouraging to see your retirement accounts going up.
We want to hear your YNAB stories! Please take a moment to tell us about your biggest budgeting wins here:
https://youneedabudget.typeform.com/ynaber-stories
Follow Ben and Ernie on the Budget Nerds Podcast
Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345
Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6
Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
This Question Doesn't Have to Be Scary: Can I Afford This?
Episode 632
lundi 19 juin 2023 • Duration 09:28
Ben and Ernie ask a question that strikes fear into those who don't budget (and sometimes to those who do): can I afford this? At least for YNAB'ers, this question isn't about whether you have the dollars and cents in your bank account to make the purchase, it's about your emotion, how you feel about buying the thing in question versus something else. As Ben explains, it's about opportunity cost, and luckily YNAB is very good at helping you understand opportunity costs with your money.
We want to hear your YNAB stories! Please take a moment to tell us about your biggest budgeting wins here:
https://youneedabudget.typeform.com/ynaber-stories
Follow Ben and Ernie on the Budget Nerds Podcast
Apple: https://podcasts.apple.com/us/podcast/budget-nerds/id1606054345
Spotify: https://open.spotify.com/show/0H1u8pqYrvz6zj6noHbkB3?si=fc181a82b8d540a6
Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
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