Best YNAB Podcasts (2024)

1
20 Years! 9:30

3d ago9:30

9:30

Twenty years ago, in a galaxy far, far away... Jesse Mecham launched youneedabudget.com with a budgeting spreadsheet and a modest goal: cover the $350 a month in rent he owed for the next couple years until he and his wife graduated from college. Since then, YNAB has grown leaps and bounds beyond Jesse's original idea. In today's episode, Jesse ref…

1
E236: The Right Way to Set Up (and Use) YNAB for Budgeting 27:55

2d ago27:55

27:55

You Need a Budget (YNAB) is a powerful tool that can help you manage your cash flow, save with intention, and spend with confidence. I'm going to walk you through the "right" way to set it up and use it. Or at least, MY way.By Michael Reynolds

1
E237: Navigating Your Child’s Transition to Independence – Key Considerations for Parents 11:00

14h ago11:00

11:00

As your child becomes independent, there are a multitude of factors to consider. From health care access and insurance coverage to tax strategies and estate planning, it’s a significant transition for both you and your child. By proactively addressing these issues, you can ensure a smoother path toward your child's independence while safeguarding y…

1
#99 - Ben Actually Changes His Budget 54:49

19h ago54:49

54:49

If you're standing up, you might want to take a seat, because something big has happened... Ben actually changed his budget! Over the last year Ben has had some major life changes that have resulted in more monthly cashflow and also bigger expenses, so it was time, at last, to overhaul his budget. In today's episode Ben discusses the circumstances …

1
Making Sense (Part 2) | Andy Hickman 1:34:14

5h ago1:34:14

1:34:14

What are your emotions really trying to tell and how can you use them to teach you? In part two of this two-part episode of Potent, Steven is joined once more by Andy Hickman, founder of hēl, as they explore personal growth through emotional insight and sensory engagement, emphasizing the significance of addressing physical sensations and emotions …

1
SMME #398 Taking Vacation to Reflect as a Spa CEO 13:34

1h ago13:34

13:34

“Building a business and life you love” has been integral to the Addo Aesthetics mission statement since day one. Part of how building a business and life you love manifests is that when it comes to taking vacation time, it’s not an attempt to escape the trappings of life and work. Instead, it’s an enrichment, a time to reflect, reinvest in yoursel…

1
Gardening, Compost, and Business Complexity 32:45

6d ago32:45

32:45

Good gardens require good soil, and good soil takes compost and plenty of time. Jesse shares his experiences composting soil for his garden, and how it applies to business. Like compost, good business ideas take time to execute. They can be executed more quickly, but that often involves more complexity. Mark and Jesse then pivot to discuss complexi…

1
#89: Month-Long Meal Planning with Rebecca Zipp 24:13

5d ago24:13

24:13

Rebecca lives in Colorado with her husband and two kids. Food has been an important part of her life since 2009, when she saw firsthand how it can be used to heal. Since then, she has strived to provide her family with nourishing meals using as many local ingredients as possible. She writes at her website, ahumbleplace.com, where she offers resourc…

1
SMME #397 Strategic Partnerships for Spa - Don’t Put All Your Eggs in One Basket 29:08

4d ago29:08

29:08

As a brick-and-mortar spa owner, you have the great advantage and opportunity of using nearly every avenue of marketing to benefit your business. Digital marketing and advertising, grassroots and in-person events marketing, and both online and offline strategies are available to you, but the backbone of all marketing is going to be your bread and b…

1
Money Ready, Spend With Joy 4:50

4d ago4:50

4:50

Jesse shares a YNAB win from his strength coach, Andrew, who is an avid YNAB'er. Andrew was shopping at REI when he ran across a pair of returned ski boots that were marked way down. They fit perfectly. Normally he would hem and haw over a purchase like this, but because he had been slowly funding a category for new ski boots the money was there. N…

1
#98 - Many Goals, One Plan 33:04

15d ago33:04

33:04

One of the interesting parts of working at YNAB is you get to observe human behavior related to personal finance. As Ben and Ernie have noticed over the years, YNAB'ers tend not only to reach their financial goals -- such as paying off debt or saving for a big purchase -- but also complete a number of other goals at the same time. There's something…

1
The Practical Path to Being | Steven Lawson 34:04

10d ago34:04

34:04

Does completing ten menial tasks compare to completing one meaningful task? On today’s solo episode of Potent, Steven explores the process of how to best prioritize essential tasks by zooming out on life goals and reducing unnecessary actions, as well as challenging the notion that doing and being are mutually exclusive, advocating for a harmonious…

1
SMME #396 6 Key Areas of Ownership for Your Spa Manager 20:39

11d ago20:39

20:39

By Daniela Woerner

1
More Isn't More 6:17

12d ago6:17

6:17

Many people bemoan the fact that they don't earn more money. But what baffles many who eventually do earn more money, is that it doesn't fix any of their financial problems! There is no income that cannot be outspent. Put another way, broken spending habits lead to broken spending, and when you have more money, that just leads to more broken spendi…

1
The Economics of Content, and the Case for Word of Mouth 41:29

15d ago41:29

41:29

The algorithm has come to rule media, and it is a voracious beast. It consumes as much content as people can create, as often as they can create. The ones who rise to the top seem to be those who create the most content, on as many platforms as possible, but what do the economics of this look like? Mark asks the question whether playing the content…

1
Rerun: Elevating Women One Meal At A Time with Carly and Carmen 54:38

16d ago54:38

54:38

This is a rerun of Episode 69 with Carly and Carmen of Radiant Knowing! A Nutritionist and Dietitian duo, Carmen and Carly help women unlock the clarity and confidence they need to nourish their bodies holistically and age-proof their health while creating a simple and sustainable plan for feeding their family. They love to help moms revolutionize …

1
E235: How to Freeze Your Credit (And Why You Might Want To) 9:10

19d ago9:10

9:10

One tool in your fight against identity theft is a credit freeze. But what exactly is a credit freeze, and why should you consider implementing one?By Michael Reynolds

1
SMME #395 Launching Your Spa’s Shopify Store with Ryan Files of High Level Marketing 31:57

18d ago31:57

31:57

Retail sales are a big chunk of your spa’s revenue, and while you may feel like you’re maximizing your sales opportunities in the spa, the truth is, if you don’t have an online storefront for your retail, you’re leaving a lot of money on the table. Back on the podcast to talk all things spa e-commerce and retail sales utilizing the power of the Sho…

1
Earning With Purpose 10:20

19d ago10:20

10:20

The first habit of YNAB is to give every dollar a job. We tend to think of it purely as a spending exercise, as in, what do these dollars need to do for me? Buy clothes, groceries, pay the rent, etc. But Jesse points out how this process of giving your dollars jobs can help you find more meaning in your earning, not just your spending. When you kno…

1
E234: The Psychology Behind Overspending 12:45

26d ago12:45

12:45

Overspending is a common financial challenge that affects millions of people, regardless of income level or financial knowledge.By Michael Reynolds

1
#97 - What If YNAB Paid You to Use It? And Other Sketchy Ideas from Ben Markley (Sketchy Advice) 49:27

26d ago49:27

49:27

On today's episide Ben and Ernie welcome another Ben to the show -- Ben Markley, host of YNAB's Sketchy Advice series on YouTube. Ben has a reputation for striking metaphors and thought provoking ideas about money and putting YNAB's principles into daily practice, and today he shares some of his favorite ideas, including: Why you should go ahead an…

1
Making Sense (Part 1) | Andy Hickman 1:50:11

28d ago1:50:11

1:50:11

Making Sense (Part 1) | Andy Hickman What are your emotions really trying to tell and how can you use them to teach you? On part one of this two-part episode of Potent, Steven is joined once again by Andy Hickman, founder of hēl, as they explore self-awareness and personal growth through a live therapy workshop, highlighting the mapping of experien…

1
SMME #394 Managing Your Spa’s Cash Flow with YNAB with Nicole Cooley 32:16

25d ago32:16

32:16

Your sales are going great, and you’re expecting one of your spa's highest revenue months yet, but when it comes time to do your monthly bookkeeping, what you brought in seems to have flown out the door just as fast. Does that feel familiar? Whether it’s constantly feeling like you’re in a state of catch-up with your business finances, or you hones…

1
Tentacles and Rainbows 9:55

29d ago9:55

9:55

Money sinks its tentacles into nearly everything, and those tentacles can feel like, well, tentacles, or they can feel like rainbows. Jesse wants you to look at money and see rainbows, blessing all the facets of life that money touches. Got a question for Jesse? Send him an email: askjesse@ynab.com Sign up for a free 34-day trial of YNAB at www.you…

1
Escaping the Gravity Pull of Phones 25:08

29d ago25:08

25:08

Jesse shares one of his recent experiments, inspired by a guest on the Art of Manliness podcast. The challenge was to delete the apps on your phone, especially the ones you feel a "pull" from -- a pull to open it and check it every time you see it (most social media apps would meet this criteria for most people). As Jesse explains, phones don't jus…

1
Rerun: Budgeting and Meal Planning. An Interview with Erin Lowell of YNAB. 51:21

30d ago51:21

51:21

This week's episode is a rerun of Episode 38 with Erin Lowell! Erin Lowell is the Education Manager for You Need a Budget, a budgeting app and website. Our conversation with Erin covers the four rules of the YNAB system of budgeting, meal planning, cooking and meal planning for one, budgeting tips for the grocery store, and tons of practical advice…

1
E233: The Cash Balance Plan – A Powerful Tax Savings Tool for Solo Business Owners 12:10

1M ago12:10

12:10

As a solo business owner, you're probably looking for ways to maximize your tax savings and secure your financial future. One powerful tool that can help you achieve both goals is the cash balance plan.By Michael Reynolds

1
SMME #393 5 Money Mistakes Spa Owners Make On Their Journey to a Million 29:39

1M ago29:39

29:39

The magic “million dollar mark” is a goal my team and I frequently hear within our coaching programs and among our Spa CEO students and clients, and for good reason. Being a seven-figure business owner is a huge accomplishment, one that many small businesses don’t achieve, especially women (a statistic we’re set out to change among spa owners!). Ho…

1
You Need Frugality? 6:52

1M ago6:52

6:52

Frugality is a virtue. At least, that's what many people in the financial space would claim. Being frugal is commonly seen as a good thing, presumably because it enables you to save more money. The environmentally conscious might see value in frugality as a means to reducing overall consumption. YNAB, one could argue, aims to make you more frugal. …

1
E232: Solo 401(k) Contributions – EmployEE vs EmployER 10:13

1M ago10:13

10:13

What makes the Solo 401(k) particularly attractive is its unique dual contribution structure. Unlike traditional employer-sponsored 401(k) plans, a Solo 401(k) allows you to contribute to your retirement savings in two capacities: as an employee and as an employer. This dual role can significantly boost your ability to save for retirement, potentia…

1
#96 - Ask the Nerds: Grab Bag Edition 51:19

1M ago51:19

51:19

Ben and Ernie get a handful of recurring questions that aren't quite big enough topics to make into their own episode, but nevertheless deserve to be answered! In today's show, they tackle some of those questions, including: What does Ben mean when he talks about the "matchy matchy game?" Helping kids learn to budget Should you have separate catego…

1
What's the Purpose of Your Money | YNAB Founder Jesse Mecham 44:12

1M ago44:12

44:12

TITLE: What's the Purpose of Your Money | YNAB Founder Jesse Mecham Do you have trouble in your relationship with the money you earn? On today’s episode of Potent, Steven is joined by personal finance expert and founder of YNAB, Jesse Mecham, to discuss the philosophy and principles of YNAB (You Need a Budget), an app designed to help users align t…

1
SMME #392 Strategically Lowering Your Spa’s Expenses with Nicole Cooley 19:34

1M ago19:34

19:34

“It’s one-click to get this, that and the other, so we really need to do a deep-dive and check in a few times per year to really make sure we’re scaling back and focusing on not wasting." That’s just one of the nuggets you’ll glean from this week’s episode, which is all about lowering your spa’s operating expenses. Beyond making more sales, the oth…

1
Give Up, or Downshift? 9:44

1M ago9:44

9:44

Jesse shares a story about taking a group of kids hiking, and coming down with altitude sickness on the first day. He could have quit, but he figured out a way to re-route the hike where he could safely get through. It's not so different when working with personal finances. It's tempting to just quit when things get hard, or road blocks come up, bu…

1
Taking a Hard Look in the Reality Mirror 27:32

1M ago27:32

27:32

On previous epsidoes, Mark and Jesse have discussed the importance of scarcity, and how limitations drive creativity. Mark even goes so far as to argue creativity can't exist without limitations! YNAB, then, is a tool for viewing reality through the lens of money -- a reality mirror if you like. By understanding the tradeoffs you are making with yo…

1
#88: Food is Community with Andrea of the Ancestral Kitchen Podcast 54:42

1M ago54:42

54:42

Andrea, her husband Gary, and their four children live on their family farm in the Chuckanut Mountains of Western Washington. They enjoy running a small campground and summer event space, raising animals, and a small garden for food production. Andrea is co-host of the Ancestral Kitchen Podcast which supports families in their pursuit of cooking mo…

1
E231: What is a Good Debt to Income Ratio? 9:45

2M ago9:45

9:45

Debt-to-income is a key financial metric. It reflects your financial health and helps you build a stable and prosperous future.By Michael Reynolds

1
SMME #391 Discussing Vitamin A with Toni Lee Roldan-Ortiz, L.E. - National Master Trainer and Sales Manager for DermaConcepts 31:31

2M ago31:31

31:31

While I no longer work in the treatment room, I’m an aesthetician at heart, and when I attended a recent DermaConcepts event in the DMV area, I had the pleasure of sitting in on one of Toni Lee Roldan-Ortiz’s presentations focused on the unique science of Vitamin A delivery that DermaConcepts delivers through their Environ line. I gleaned a ton of …

1
Big Goals? Check. In the Meantime... 7:10

2M ago7:10

7:10

Big financial goals are great. It's what we live for at YNAB! But, life happens in between those big goals, and Jesse reminds you that it's ok to spend some money "in the meantime." Got a question for Jesse? Send him an email: askjesse@ynab.com Sign up for a free 34-day trial of YNAB at www.youneedabudget.com Follow YNAB on social media: Facebook: …

1
E230: Maximizing College Savings – A Guide to "Superfunding" a 529 Plan 9:07

2M ago9:07

9:07

When planning for your child's future education, one powerful tool at your disposal is the 529 plan. You may already be familiar with the basics of this tax-advantaged savings vehicle, but have you heard about "superfunding" a 529 plan?By Michael Reynolds

1
#95 - Managing Variable Income as a Busy Graduate Student: Jasmin Green, PhD Student UC Davis 1:31:36

2M ago1:31:36

1:31:36

The Budget Nerds have covered the spending habits of a lot of married folks with families, but what about the single people out there? In today's episode, Ben and Ernie speak with Jasmin Green, a PhD student in the Department of Plant Sciences at UC Davis. Jasmin is an avid YNAB'er, who credits the methodology with keeping her bank account in order…

1
SMME #390 Developing Your Sales Mindset with Eugene Vassilas 50:37

2M ago50:37

50:37

Sales – the lifeblood of business, but the thing that makes most Spa CEOs shrink back for fear of being too salesy, slimy, pushy, insert any other cringe-inducing adjective here. Even if you’ve forced yourself to bite the bullet with selling and muscle through it, I promise sales conversations don’t need to be something you fear or white-knuckle yo…

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