The Jesse Mecham Show

• Delay... Not Debt

  Jesse shares a story about helping his daughter use YNAB to plan her spending and save for an electric bicycle. The bike was $600, quite a big ticket item for a 9 year old, but together they came up with a plan and created a target in YNAB to assign money toward that goal each month. And when the day came a few months later to make the purchase... she didn't want it.   The burning desire for the bike had passed, and the clarity of the tradeoffs she would have to make to buy it set in. At the end of the day, the bike wasn't worth it to her. That is the power of YNAB and delayed gratification. By saving for the bike first, she was able to learn whether it was in alignment with her priorities. Often when the initial desire for something hits, it overwhelms our sense of priorities. And when we use debt to shortcut the time delay it takes to save up for a thing, it not only obscures our priorities but it also robs us of the choice to not buy it when the smoke clears and our sense of priorities returns.   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  

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• Jesse Is Taking a Short Break: Stay Tuned!

  Jesse is taking a short break while he's on the road. He'll be back in a couple weeks!   Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g     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  

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• Changing The Rules of Money | Dave Crombleholme Live from Fan Fest Minneapolis 2025

  In today's episode, Jesse hands over the mic to YNAB team member Dave Crombleholme, who presented at the Minneapolis Fan Fest in June 2025. Dave is perhaps most famous for his idea of the Wish Farm at YNAB, but he's also spent a long time wrestling with the word budget. In Dave's presentation, he outlines various iterations of the YNAB rules over the years, explains why the concept of rules never sat right in the first place, and how trying redefining the word budget proved to be a frustrating endeavor. In the end, it was always about spending, about giving every dollar a job, and spending to build the live you want to live.   Sign up for YNAB Fan Fest updates: https://www.ynab.com/events   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  

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• Money Is the Medium, Money Is You | Jesse Live from Fan Fest Minneapolis 2025

  In June 2025 at YNAB Fan Fest Minneapolis, Jesse gave a talk about how money is a medium -- not just of exchange, but, ultimately, of you. When you really examine what it is that money does in the world, it is a thing which translates your energy and effort (required to earn the money) into tangible goods and services. When you draw a throughline between your work and your spending, money just falls away. It's simply a medium for you to express yourself in the world.   Sign up for YNAB Fan Fest updates: https://www.ynab.com/events   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  

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• How to Stop Worrying About Money (If You're Not a Billionaire)

  When worry creeps in to your money, the knee jerk response is to think: "I just need to make more money, that will solve my problems." But as Jesse shares in a humorous conversation with his daughter, it's interesting how quickly you can spend more and more money in your mind. Unless you're a billionaire, money has a way of becoming stressful when you're only solution is to need more and more of it.   Jesse's approach when worry creeps in? Double down on YNAB. Go back to giving every dollar a job -- which is the core principle of the YNAB method -- and taking active control of your money. Doing this not only helps you create a plan for your money, it puts you in the driver seat of your money, and helps you regain confidence in your plan, one transaction at a time.   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  

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