The Jesse Mecham Show

Latest Episodes:

Savings With a Purpose Apr 18, 2022

Show notes

Jesse shares some case studies from the Mecham household, where he has taught his kids to budget their savings the YNAB way, giving those savings dollars a job. The kicker? Their savings sit in the same checking account as their fun money. With practice and the four rules, however, they have developed the discipline to spend only what they have budgeted for each purpose.

EP16 Money Stories: First Responders and Finance, $78k Debt Paid off in 28 Months Apr 11, 2022

Show notes

Jesse welcomes Jason and Katie Hoschouer to the podcast. Together they paid off $78,000 of debt in a mere 28 months, an amazing burst of focused saving and budgeting!

Jason is a retired police officer with 23-years experience in the force, now turned financial coach. He helps other first responders get their budgets in order, pay off debt, and build savings so they don't have to live paycheck to paycheck and work tons of overtime to make ends meet. He also hosts a podcast about finance for first responders, Badges & Budgets.

GPS Financial Coaching

https://www.gpsfinancialcoaching.com

Badges & Budgets Podcast

Apple: https://podcasts.apple.com/us/podcast/badges-budgets/id1611201890

Spotify: https://open.spotify.com/show/4vcWckWJibgAaRSyY5o8bu?si=15e96a154eaf44d7

Meet Todd: The CEO Behind YNAB Apr 04, 2022

Show notes

Jesse invites the CEO of YNAB, Todd Curtis, to the show to discuss the anatomy of the company, the collaborative philosophy behind the work done by the various teams and functions, and some of the previous work and experiences that have shaped Todd's attitudes about operations and business culture.

EP15 Money Stories: Unconventional Job? No Problem. A Lifetime of Budgeting Wisdom from Nina Clark Mar 28, 2022

Show notes

Nina Clark grew up in a large family tight on money, but with a mother who was very good at budgeting and stretching a dollar. Nevertheless, she wasn't taught anything about money growing up, so she learned her money lessons the hard way: overdrafting her checking account and racking up debt at a young age. Things got more complicated when she went through a divorce and became a single mother. Ever determined and positive, Nina regained her financial footing and became a seasoned budgeter with a little help from YNAB.

Nina's story is also unique in that she's never worked conventional jobs, and never made much money, so she had to budget carefully to pay off her debts. While working various jobs, she started a bookkeeping service to supplement her income, throw extra cash at her debt each time she landed a new client. Nowadays, Nina's budget is helping her save for retirement, travel, and help her daughter travel the world as well.

Ask Jesse All About Taxes Mar 21, 2022

Show notes

It's that time of year again, and April 15th looms! Taxes are due soon, and perhaps no other financial topic generates as much confusion and as many questions. To that end, Jesse answers questions about taxes from YNAB listeners who wrote into the show. As with any tax question, when in doubt it's always best to contact a tax professional!

So You Want to Renovate Your Home... Mar 14, 2022

Show notes

15 vs 30 Year Mortgage: Which Is Actually Better? Mar 07, 2022

Show notes

Jesse compares the pros and cons of the 15 year vs the 30 year home mortgage. While there are plenty of online calculators out there that will spell out the difference in interest costs and amortization between the two, Jesse argues that perhaps the math isn't the most important factor. It's how you feel about paying off the mortgage earlier.

EP14 Money Stories: How Mackenzie Uses YNAB to Navigate College, Study Abroad, and Multiple Currencies Feb 28, 2022

Show notes

International student of mystery Mackenzie is financially wise beyond her years... all thanks to YNAB and embracing the four rules while a young college student. Since discovering YNAB Mackenzie has traveled throughout Europe, and has come up with some unique strategies for managing her budget in a variety of currencies: the British pound, the euro, and US dollars. She's also learned some lessons about careful budgeting living in some of the most expensive cities in the world, like London.

The most important thing for college students, she says, is to just get started with YNAB. Try just tracking your expenses for a month, and get some data about your spending habits. Then you can get a realistic picture of what a college budget should look like. You're always going to spend more on food than you think, she says, so your budget should reflect that. Secondly, be prepared to roll with the punches and go with the flow. Things change a lot from freshman to senior year -- work/study opportunities open up, off-campus housing becomes available, you might want a car -- and you can expect your budget will too. Learn to be OK with not having a perfect budget, and know that you will only get better at it over time.

College students can use YNAB for a year FOR FREE. You just need to provide proof of enrollment. Check the link below for more details:

https://www.youneedabudget.com/college/

Master Your Grocery Budget with Erin Feb 21, 2022

Show notes

Long-time YNAB team member Erin returns to the podcast to discuss strategies for managing your grocery budget. With prices on the rise, many people are tightening their budgets, and groceries are a common line item of concern. Erin offers tips for making grocery shopping simpler, avoiding unnecessary purchases, and making strategic "fun" food purchases (like frozen pizzas) for those days when you just don't feel like cooking.

As Erin reminds us, your family's grocery bill is personal! It's tempting to want to compare yourself to others, or to an average, but the best strategy is to start with where you are and find ways to adjust from there. Food is a very personal thing, and many factors play into the food choices people make (allergies/restrictions, location, busy lifestyle, food availability, etc), so keep your eyes on your own plate.

A few of Erin's favorite cooking and food-related YouTube channels:

Frugal Fit Mom: https://www.youtube.com/c/FrugalFitMom
See Mindy Mom: https://www.youtube.com/c/SeeMindyMom
Ardent Michelle: https://www.youtube.com/c/ArdentMichelle
You Suck at Cooking: https://www.youtube.com/c/yousuckatcooking
Glen and Friends Cooking: https://www.youtube.com/c/GlenAndFriendsCooking

A Little Momentum Is All You Need Feb 14, 2022

Show notes

In honor of 2/22/2022, which is quickly approaching, YNAB is giving you the chance to gain a little extra momentum in your budget this year. YNAB is giving away $2,222 to a lucky podcast listener! But you have to follow a few rules to have a chance to win:

On 2/22/2022, make a public post on Facebook, Instagram, Tik Tok or Twitter and tell us what you would do with $2,222.
Tag YNAB on your social media platform of choice (tags listed below).
Fill out the form on the YNAB website: https://www.youneedabudget.com/22-giveaway/

For those who don't do the social medias, you can email pr@ynab.com and include promotion/contest name in the subject line.

A complete explanation of the rules and terms and conditions can be found at: https://www.youneedabudget.com/22-giveaway/

YNAB social media tags

Instagram: @youneedabudget TikTok: @youneedabudget Twitter: @ynab Facebook: @iYNAB

Good luck!

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