Money shouldn’t be this hard—and it isn’t! Join YNAB founder Jesse Mecham as he dives into the essentials of spendfulness. Learn tips and tools to transform your spending into a source of joy, clarity, and confidence.
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Personal finance experts Ben Barlowe and Ernie Reppe get nerdy with numbers as they share budgeting tips, strategies for categorizing transactions, and lessons learned from using the revolutionary budgeting system known as You Need a Budget.
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Practical insights on money with a modern approach to building wealth. Hosted by Michael Reynolds, CERTIFIED FINANCIAL PLANNER™ (CFP®) and Principal of Elevation Financial.
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Kick off your week every Monday morning by discovering new strategies to dominate your day before breakfast! . Join host Jeff Sanders on this practical self-improvement podcast that focuses on productivity, healthy habits, and personal development. This is your home to bounce out of bed with enthusiasm, create powerful lifelong habits, and tackle your grandest goals with extraordinary energy! . Become a VIP member of The 5 AM Miracle community by getting the premium ad-free version with excl ...
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Pay attention - not interest. For most, that’s all it takes to get their money under control. That’s how Steve and his wife got out of debt completely - even the mortgage…and you can too! Your host, Steve Stewart, shares his extreme-but-proven ways that money really works. The show isn’t just about making a Money Plan (aka: a budget). Steve also explains what’s really wrong with credit cards and credit scores (spoiler alert: It’s not what you think). You’ll also learn about rich habits, how ...
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Trying to pay off debt, looking for money saving tips, and on your way to financial independence? You're in the right place. Welcome to the Money Nerds community! This podcast highlights weekly stories from people who share their secrets to financial success. Whitney Hansen interviews everyday people with weird, unique, and amazing money stories. If you are looking for a modern voice and financial tips that actually work, this podcast is for you.
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I swear, I don't complain often, oh wait ... This is all about complaining ... Never mind
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Discover a more Potent life. Welcome to Potent, the podcast where we explore transformative ideas and practices to help you live into your unique potential and build a more potent life. By exploring ideas and practices from expert thinkers and practitioners in psychology, business, personal development, and spirituality we provide you with new and old ideas + tools for building a full(er) life. Sponsored by monkmanual.com
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The Young Money Podcast is a show where we discuss our relationship with money. Your hosts, JP & Adriann, will be covering a range of topics: from how we first learned about money to how we spend our money now. Over the course of biweekly episodes, we hope to have guests that will discuss their relationship with money and how it shapes their lives. If you're looking to know more about how people manage their money and hopefully learn from these honest discussions, this show is for you.
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The Four Rules are out... the Five Questions are in! Well... not really, the Four Rules have just been transformed and clarified. As Jesse has pointed out in prior podcasts, the Four Rules were really just one rule, the first rule -- Give Every Dollar a Job. And that is still the master rule. To clarify what giving every dollar a job means, YNAB ha…
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#107 - You Can Start YNAB Whenever You Want
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Starting YNAB is like starting anything else -- a new workout routine, new eating habits, learning a new skill -- you just have to jump in! Many people struggle to take the first step, however. In today's episode, Ben and Ernie discuss some of the reasons why people drag their feet starting YNAB, and how you can reframe the way you think about mone…
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E245: How (And Why) to Communicate Your Estate Plan to Your Family
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9:25
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Estate planning isn’t just about organizing your assets or drafting a will. It’s about creating a roadmap that ensures your wishes are honored and your loved ones are cared for. Communicating your estate plan to your family is helpful for several reasons.By Michael Reynolds, CFP®
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10 Things You Won't Care About in 10 Years ... and are Wasting Your Time on Today
43:37
43:37
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Episode Summary I discuss 10 things you won't care about in 10 years that are almost certainly holding you back right now. . Show Notes Page jeffsanders.com/566 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Mailbutler → Get 25% off with my code 5…
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Overcoming Self-Sabotage: How to Stop Yourself from Stopping Yourself [BEST OF]
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Episode Summary I discuss self-sabotage and how the most common obstacle between us and our goals is us. . Show Notes Page jeffsanders.com/565a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Mailbutler → Get 25% off with my code 5am Kinsta → Get y…
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Buy What You Love Without Going Broke | Jill Sirianni from Frugal Friends Pod
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About Jill Sirianni is a licensed clinical social worker (LCSW), co-host of the Frugal Friends podcast and co-author of Buy What You Love Without Going Broke (releasing Jan. '25). She’s experienced in doing a lot with a little—from starting small businesses to full-time RVing—all of it was leveraged to pay off $60,000 of debt and cash flow her mast…
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E244: The Biggest Mistakes Made During Tax Season That Can Trigger IRS Audits
10:19
10:19
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Here are the biggest mistakes taxpayers make during tax season that can trigger IRS enforcement—and how you can avoid them.By Michael Reynolds, CFP®
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Advice for Procrastinators Not Wanting to Deal With Money
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6:13
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If you have been procrastinating about starting to manage your money, Jesse has a message for you. It's ok to start now, and start small -- and you don't have to be perfect either! Jesse has been using the YNAB method to manage his money for twenty years now, and he still hasn't reached perfection. But, he has become more in tune with his spending …
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The Anxious Generation: Social Media and Parenting with Tessa Sanders
48:47
48:47
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Episode Summary I chat with my wife Tessa about The Anxious Generation book, social media, and parenting today. . Show Notes Page jeffsanders.com/565 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Mailbutler → Get 25% off with my code 5am Kinsta →…
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Weekly Review 5.0: How to Streamline Your Systems for Long-Term Success [BEST OF]
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51:46
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Episode Summary I discuss my latest update to my weekly review and how to optimize checklists at every turn. . Show Notes Page jeffsanders.com/564a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Mailbutler → Get 25% off with my code 5am Notion → U…
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E243: My Three Words for 2025 – Setting Intentions for the New Year
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I love this exercise because it avoids the head trash that can result from the pass/fail nature of goal-setting. Don’t get me wrong, there is a time and place for setting goals. But for me, setting three words is much more effective when defining a theme for an entire year.By Michael Reynolds, CFP®
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I Stopped Using Credit Cards for an Entire Year. Here's What Happened
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6:19
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Every year Jesse experiments with his money. In 2023 he decided to ditch his credit cards, and he continued that experiment through 2024. The result? His average bank account balance is up 18%, his time spent maintaining YNAB is down, and most importantly, money is simpler. He doesn't even miss the points and cashback rewards! Tickets to YNAB Fan F…
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Google Docs [Unofficially] Replaces Evernote → Tabs, Templates, Tags, and More!
29:26
29:26
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Episode Summary I discuss Google Docs new tabs, templates, and tags features that perform beautifully as an Evernote replacement. . Show Notes Page jeffsanders.com/564 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Mailbutler → Get 25% off with my…
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#106 - YouTube LIVE: Spendfulness and the 5 Questions
1:00:14
1:00:14
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Happy New Year! On January 1, 2025, Ben and Ernie went live on YouTube to talk about some big changes at YNAB, and the unveiling of an important new word: spendfulness. Ben and Ernie review some of the history of YNAB and it's four rules, and how spendfulness is a whole new way of thinking about your spending. Follow Budget Nerds on YouTube Budget …
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101
Rhythm of Success: Building a System of Predictable and Profitable Habits [BEST OF]
38:00
38:00
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Episode Summary Discover how to disrupt your life on purpose and setup a new system that generates predictable and profitable results. . Show Notes Page jeffsanders.com/563a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Notion → Use my code 5ammi…
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New Years 2025 - Prompts to Help You Plan Your Best Year Yet
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If you’d like to download a copy of these questions - check out this document and go through them with me. 🙂 Happy New Year! Learn more about your ad choices. Visit podcastchoices.com/adchoicesBy Whitney Hansen
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Ben and Ernie LIVE on YouTube: Spendfulness and the 5 Questions
1:04
1:04
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Some BIG changes are afoot at YNAB, and Ben and Ernie the Budget Nerds are going live on YouTube today at 1:00pm Eastern time to talk about them! Link below. If you missed the livestream, we will post the full replay in the podcast feed shortly after it airs. Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABoffi…
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If Money Were No Object... What Would Your New Years Resolution Be?
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6:49
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It's almost the New Year, and that means it's time to make resolutions! Jesse loves resolutions, goals, and goal planning, and he has some advice for you this year. Before you start setting your goals for next year, do this simple vision exercise first. Imagine that money is no object, and you have unlimited funds to work with. What would you like …
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Productive, Not Busy: How to Slow Down, Clarify What Matters, and Calmly Get Things Done
42:35
42:35
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Episode Summary I discuss how to stop just being busy and calmly get things done without stress, overwhelm, or chaos. . Show Notes Page jeffsanders.com/563 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors See current deals from sponsors of The 5 AM …
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Get to Zero: How to Get Organized and Stay There for Good [BEST OF]
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32:46
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Episode Summary I discuss inbox zero, desktop zero, and every relevant strategy to get you back on track. . Show Notes Page jeffsanders.com/562e . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors See current deals from sponsors of The 5 AM Miracle . L…
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Ebenezer Scrooge is a classic Christmas tale, a tragic character who lets his insatiable desire for money blind him to the circumstances of the people around him -- particularly his employees -- and the spirit of the Christmas holiday. He didn't even seem to enjoy spending his wealth, only the accumulation of it. While Scrooge is not a good role mo…
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Focus on Where You're Deeply Excited to Go, Not on What You're Afraid Might Happen [BEST OF]
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28:28
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Episode Summary I discuss how to shift your thinking to what matters as a direct strategy to minimize or eliminate the thoughts that are holding you back. . Show Notes Page jeffsanders.com/562d . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors See cu…
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Eliminate Financial Stress with YNAB Founder Jesse Mecham [BEST OF]
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38:15
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Episode Summary I speak with Jesse Mecham, founder of YNAB (You Need a Budget), about the 4 rules of successful budgeting, small habits with big impact, and his amazing morning routine. . Episode Show Notes jeffsanders.com/562c . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premiu…
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Budget Nerds LIVE at YNAB Fan Fest 2024 Salt Lake City
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18:19
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In September 2024, YNAB invited over 150 fans to Salt Lake City to celebrate the 20th annivesary of YNAB and enjoy the camaraderie of people with a passion for the YNAB method. Ben and Ernie were there, and hosted a live episode of Budget Nerds. In this bonus episode, they chat with Teisha and Katie, two budget nerds who have some excellent YNAB wi…
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The FIRE movement, which stands for "Financial Independence, Retire Early," has a long-lived and strong fan base on the internet. The idea behind FIRE is simple: figure out how much money you need to live on each year, then calculate how much money you would need to save up in order to live on the returns from your portfolio indefinitely. Once you …
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The Top 10 Work-From-Home Tools, Tech, and Other Useful Gadgets [BEST OF]
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Episode Summary I discuss the top 10 work-from-home tools, tech, and other useful gadgets for getting work done AND having fun at the same time! . Show Notes Page jeffsanders.com/562b . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors See current deal…
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Get social with me: Instagram: @whitney_hansen_co Tiktok: @whitneyhansen10 Learn more about your ad choices. Visit podcastchoices.com/adchoicesBy Whitney Hansen
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Optimized Focus Music for Productivity with Brain.fm CEO Dan Clark [BEST OF]
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43:00
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Episode Summary I speak with Dan Clark, CEO of Brain.fm, about how we can get more value out of time by blocking distractions with music that is designed to optimize our brains. . Episode Show Notes jeffsanders.com/562a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perk…
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#105 - Dealing with Major Financial Setbacks
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46:34
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Setbacks are a fact of life. Fortunately YNAB gives you the tools to be flexible with your spending plan. While we plan our spending based on normal months, life often has other ideas and our months often don't align perfectly to the "normal" or ideal. Some months, or even years, really don't align with our plans, and the unexpected expenses just k…
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It's not too late! The first rule of YNAB's Four Rules is "give every dollar a job," and you can implement it right now. Take a look at your bank account balance, and think to yourself: what does this money need to do for me right now? What does it need to do for me in the future? Now you have started thinking about your future self, and being proa…
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How to Make Difficult Decisions: Discovering the Clarity You Need to Make the Right Call
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28:35
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Episode Summary I discuss how to navigate forks in the road and make difficult decisions when you just don't know what to do. . Show Notes Page jeffsanders.com/562 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors See current deals from sponsors of T…
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5 Principles to Defeat Overwork with Megan Hyatt Miller [BEST OF]
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Episode Summary I speak with Megan Hyatt Miller, co-author of Win at Work and Succeed at Life, about how we can navigate the busyness of our lives and cultivate success on purpose. . Episode Show Notes jeffsanders.com/561a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . P…
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INVESTING PART 2 - 401K, Roth and Traditional IRAs
25:05
25:05
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Resources Say hi to Whitney on IG Books Mentioned In This Episode: The Simple Path To Wealth Broke Millennial Takes on Investing Learn more about your ad choices. Visit podcastchoices.com/adchoicesBy Whitney Hansen
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I Am Not Even a Little Bit Frugal. Here's Why
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Jesse grew up in a frugal family -- frugality for frugality's sake, as he describes it. As he has grown, discovered the YNAB method, and worked the four rules, he has come to a conclusion -- he is not even a little frugal! Frugality implies thrift, spending little money so as to conserve the resource. The idea is that spending money frugally is an …
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Self-Rejection & Self-Doubt: How to Bypass Your Biggest Obstacle, You
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31:08
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Episode Summary I discuss why self-rejection is more common than you think, and how to overcome your self-generating obstacles. . Show Notes Page jeffsanders.com/561 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors See current deals from sponsors of…
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Live By These 6 Truths and Be Happy with Sid Garza-Hillman [BEST OF]
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36:22
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Episode Summary I speak with Sid Garza-Hillman, author of Six Truths, about what happiness is and how we can radically shift our approach to life, mindset, and habits. . Episode Show Notes jeffsanders.com/560a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our…
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YNAB'ers are great people -- as evidenced by the camaraderie and stories heard at the recent YNAB Fan Fest in Salt Lake City -- but let's be honest... YNAB'ers can also do some weird things with their money! It's a testament to how powerful the YNAB method is, that many people make big, lasting habit changes around their money, but it comes with so…
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What If Being Good At Money Is Just Skill Acquisition?
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6:46
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It's common parlance to say someone is "good with money," but it's often said in a way that suggests some people are innately gifted with money management skills. Jesse punches back at this supposition. He argues that becoming good with money is a skill, and skills are acquired through habit -- stringing together a lot of days with good money decis…
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Four Thousand Weeks: Time Management for Mortals [Book Review]
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32:27
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Episode Summary I review a unique and refreshing productivity book by Oliver Burkeman, "Four Thousand Weeks: Time Management for Mortals." . Show Notes Page jeffsanders.com/560 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors See current deals from …
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How to Stop Just Being Busy and Actually Start Making Real Progress [BEST OF]
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Episode Summary I discuss how to avoid the trap of busyness and begin a life of simple and profound achievement. . Episode Show Notes jeffsanders.com/559a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors See current deals from sponsors of The 5 AM M…
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INVESTING PART 1 - Where Do I Even Start?
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17:58
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Confused about where to begin with investing? This episode is for you! Today we are breaking down exactly what you need to get started with investing. This is almost like a pre-investing checklist to think through before you put any money towards investing. Resources Say hi to Whitney on IG Books Mentioned In This Episode: The Simple Path To Wealth…
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