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Jesse chats with Dustin Heiner, a real estate investor who quit his job five years ago after building a passive income stream sufficient enough to live on. Dustin received a wake up call several years ago when he was laid off from what he thought was a stable government job when his department lost funding. Although he was able to find a new positi…
 
School is in session! Jesse teamed up with Matthew Amster-Burton (who you have heard on the Behind the Scenes series), a YNAB team member and former financial advisor, to create a short series demystifying the world of investing. For the first day of class, they cover some of the basic investing terms you will encounter. YNAB is all about helping y…
 
Mark and Jesse invite their long-time tax advisor Casey Murdock, or Wealth Guard Advisors, to talk about common myths and misunderstandings business owners have about the tax code as well as legitimate tax saving strategies. Tax can seem like a tedious field, but having good tax strategies can result in big savings. As always, having cash on hand o…
 
Do you pay off debt first, or invest for retirement while paying it off slower? Or do you build an emergency fund first? How much? There are a number of tradeoffs when it comes to paying off debt, saving, and investing, and Jesse reminds us that there is no prescription! Everyone's budget is personal, and will depend on their goals, values, and emo…
 
Cash basis accounting works for a lot of businesses, and it has a lot of benefits being simple, easy to understand, and a relatively "pure" way to evaluate the cash position of the business. But for some businesses it may make sense to switch to accrual accounting, where things start to get a bit complicated. Mark and Jesse set out to demystify acc…
 
With the Baby Boomer generation rapidly aging into retirement, more and more Generation X and older Millennials face some tough financial questions: how do you financial support parents that need medical care, or long-term assistance, but cannot afford it? Should you support kids after college by allowing them to live at home while they get their f…
 
As you might have noticed by now, the team at YNAB is diverse, eclectic, and full of passionate people with a wide range of interests. It is no surprise, then, that in the course of conducting these Behind the Scenes interviews, Jesse discovered a ton of interesting and, well, random things about the employees of YNAB! Sign up for a free 34-day tri…
 
Mark and Jesse take a break from talking about cash to focus on the "softer" aspects of running a business and, more specifically, a team. But, as these things tend to do, it turns out core values are everything about running a business, and they directly impact how your day to day business operations proceed. While very important, core values can …
 
Talking about money isn't easy for adults, so it's no surprise that many adults struggle with how to talk about money with their kids. Stephanie Anne-Lyse Wealth, or just Anne-Lyse as she goes by in her publications, has some ideas for introducing children to the concept of money, saving, investments, and debt. Anne-Lyse is the author of Dream of L…
 
In today's installment of Behind the Scenes, YNAB team members share their insights about personal finance, whether it's overcoming the fear and confusion of investing, learning to push yourself to achieve things you never thought you could, or better understanding our conditioning around money and success. Sign up for a free 34-day trial of YNAB a…
 
It's that time of the year again, when summer is winding down and children are starting the new school year. As seasons go, starting the new school year is a time of new schedules and new challenges. It's also a great time to rethink the budget, or simply get back in touch with the budget. Sign up for a free 34-day trial of YNAB at www.youneedabudg…
 
Life hacker, optimizer, product director at Wealthfront... he wears many hats, but his passion is the same -- upgrading life without spending a fortune! In today's episode, Jesse chats with Chris Hutchins, who shares a handful of his seemingly endless number of life hacks. Whether it's saving money on travel, getting a few more dollars out of your …
 
In today's installment of Behind the Scenes, Jesse asks employees why they applied for a position at YNAB, what the interview process is like, and whether the company has lived up to its reputation as the best small business place to work at (no, really, that's what Fortune said, for the second year running!). YNAB gets a lot of applications, and t…
 
In today's Money Story, Jesse chats with a YNAB employee, the gifted artist and animator Tristan Henry-Wilson, whose work YNAB users may have seen on the YNAB website and the YNAB Youtube channel, among others. Tristan may be an exceptionally talented artist, but he didn't come into his art career easily. After receiving some unexpected financial a…
 
Experienced YNAB'ers understand that budgeting is an active, ongoing process that requires frequently engagement with your budget. Ideally, both partners in a relationship are fully engaged in the budget, but the budgeting process can take many forms. In today's Behind the Scenes episode, Jesse chats with YNAB employees about budgeting with a partn…
 
How you manage your financial systems is an indicator of how well you manage the rest of your business, says Mark Butler. Long lists of bank accounts, complicated credit card payment schemes... as businesses grow their financial systems becomes more complex, but without careful management, it's easy to let become a jungle that accounting has to hac…
 
Award winning author and personal finance journalist Cameron Huddleston joins the show to discuss the uncomfortable realities of managing parents' finances through end of life care and after their death. From wills, power of attorney documents, to simply knowing where your parents have all their bank accounts, Cameron offers some practical advice o…
 
Jesse interviewed every employee at YNAB, asking them about a wide range of topics -- how they heard about YNAB, what they are working on in their roles, and their money struggles and successes. In today's Behind the Scenes episode, YNAB insiders answer the question: what's the budget doing for you lately? Sign up for a free 34-day trial of YNAB at…
 
It a fussy word, and almost sounds archaic nowadays, like "balancing your checkbook." But reconciliation is critical to ensuring that your bank account actually lines up with the jobs you assigned to your dollars in Rule One! Basically, reconciliation is a process in which you compare your actual bank balance to your balance in YNAB. This serves tw…
 
Travis Hornsby is passionate about student debt, especially helping people with lots of it find smart, effective pathways to pay it off. After a career as a bond trader, he turned his attention to building a service to help college graduates with large student debt loads navigate their way through the maze of repayment options, forgiveness programs…
 
Jesse interviewed every employee at YNAB, asking them about a wide range of topics -- how they heard about YNAB, what they are working on in their roles, and their money struggles and successes. Today, you'll hear from a selection of YNAB employees discussing their debt struggles, how they came into debt, and how they have used the Four Rules to pa…
 
Jesse and Mark wrap up their review of the four YNAB rules as applied to business with Rule Four, age your money. This rule is a consequence of following the first three rules, and it refers to the fact that once you have embraced the rules you will find yourself paying for this month's expenses with last month's money. Maybe even money from two mo…
 
Jesse invites the author behind one of his favorite books, Atomic Habits, to join the podcast and talk about what he learned about setting good habits, breaking bad ones, and developing environments and systems conducive to productive habits. As James says, the things you do and accomplish in life are essentially lagged indicators of your habits. S…
 
Are you a college student, or about to go to college? It's an exciting time of your life, but it can also be a very expensive time of your life too. It's possible to keep your spending under control, and have a lot of fun, but you're going to need a budget. College students -- you can get a whole FREE YEAR of YNAB here. Sign up, take some of the fr…
 
Mark and Jesse continue analyzing the problems of small business finance through the lens of You Need a Budget's "Four Rules." Today they explain that Rule Three -- roll with the punches -- is a call to actively, and continually, budget for the business. The budget is not a static document that gets set once a month, or once a quarter, or yearly, t…
 
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