The Jesse Mecham Show

One of the interesting effects of using YNAB is how it shapes your vision of money through multiple viewpoints. There's the spending you are doing now, when you make a transaction, then there's the tradeoff that spending causes in the future, becuase the spending you do now impacts the spening you will do in the future.
 
Jesse gives the example of a man going out for sushi. The $30 he spends now on the sushi is $30 that he isn't spending on Christmas presents several months from now. The juxtaposition is a bit extreme, but the point is that unplanned spending does have an impact on your planned spending, and when you start planning how to spend your money with YNAB, then you see how your decisions now are affecting your decisions later. In a word, it's clarity.
 
And, importantly, when you have this clarity with your money and you clearly see the tradeoffs you are making by spending on a thing or an experience now, you can now spend without guilt or fear or anxiety, because you are owning the choice and you are happy with it.
 
Watch The Jesse Mecham Show on YouTube:
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If life has pummeled you, and you've woken up from a financial bender -- hundreds of uncategorized transactions in YNAB with no recollection of what happend to all that money -- it's ok. Just get back on the horse and start again.
 
Jesse offers a humorous, and helpful, solution. Categorize all those transactions under a new category called "Bender," and start looking forward. Don't worry about what happened. Decide what your money needs to do for you now and in the near future, and assign the dollars you have now to those categories.
 
While reflecting on the past is important to understanding our behaviors and identifying areas of our spending where we need more clarity, it's only important to the extent it helps us get better at assigning money in the future. So pick yourself up, climb back on the horse (I mean, wagon) and give every dollar a job today.
 
 
Watch The Jesse Mecham Show on YouTube:
https://www.youtube.com/@jessemechamshow
 
Got a question for Jesse? Send him an email:
[email protected]
 
Sign up for a free 34-day trial of YNAB at www.youneedabudget.com
 
Follow YNAB on social media:
Facebook: @ynabofficial
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If you think you're bad with money, you're not alone. Money management is not something that comes natural to most, and it's certainly not something that most of us are taught. But getting good with money is a skill, and that's good news! No matter where you are starting, you can get better at managing your money and learn to live stress-free when it comes to money.
 
Watch The Jesse Mecham Show on YouTube:
https://www.youtube.com/@jessemechamshow
 
Got a question for Jesse? Send him an email:
[email protected]
 
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
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You've probably got an item or two on your to-do list that you never seem to get to. Whenever you think about, you aren't in a position to act on it. There always seems to be something in the way when you have time and attention to complete the task. Yet these open loops, as they are sometimes referred to, are a drain on your attention and mental capacity.
 
Unpaid bills are mental vampires too, clogging up your subconscious and draining your mental energy. With YNAB, you don't have worry about unpaid bills hanging over your head anymore. YNAB helps you assign the dollars you have in your account now to cover bills in the future, so that when they come due, you simply pay them (or even better, autopay them!) and move on with life. Stress free!
 
 
Watch The Jesse Mecham Show on YouTube:
https://www.youtube.com/@jessemechamshow
 
Got a question for Jesse? Send him an email:
[email protected]
 
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
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Almost everyone spends on impulse from time to time -- it's pretty normal human behavior -- but we don't always want to spend impulsively. Jesse recommends a simple strategy for dealing with your impulses: make a list! Write down all the things you want as they come to you.
 
Sometimes the act of writing something scratches the itch enough to satisfy your wanting. If it doesn't, however, that's where YNAB steps in. With YNAB you can not only write down your wants as categories, you can set dollars aside to pay for them. And when you do that, now you can turn those impulses into guilt-free fun and enjoyment.
 
 
Watch The Jesse Mecham Show on YouTube:
https://www.youtube.com/@jessemechamshow
 
Got a question for Jesse? Send him an email:
[email protected]
 
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