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We didn’t need a budget…
We needed a whole new way of thinking about money. And it turns out, we weren’t the only ones…
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Early in 2003…
I (Jesse) was a broke college student, newly married to Julie, trying to stretch our tiny income to cover rent, groceries, and tuition. We didn’t just need to track our money—we needed a way to make it work for us. So, I built a simple spreadsheet around one guiding principle: give every dollar a job. I had no idea at the time, but that little system would become so much more than a budget. It became a gateway to building the life we truly wanted.
Giving every dollar a job became the foundation of YNAB (“why-nab”), and today, our spendfulness practice has helped millions of people define their priorities, reduce stress, and start living with purpose.
Curious how this idea evolved? Check out our YNAB Timeline and see how spendfulness can transform your reality, too.
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YNAB today
Today, YNAB is driven by a small (but growing!), passionate team. We are building the best method for money management out there. We hear reports every day of lives being changed: debt paid off, marriages saved, opportunities seized, stress eliminated, and sleep rediscovered! When you gain control of your money, you gain control of your life and it feels great.
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Our team
The YNAB team is a diverse group that loves our product, our customers, and working with each other—a lot. We live all over the world—from Boston to Brazil and Portland to Poland and everything in between. Right now, Taylor, our co-founder is, well…we don’t actually know where he is, but you get the idea. Whether we’re into musical theatre or science fiction, building drones or homesteading, riding motorcycles or long-distance running, we agree YNAB, with its ability to change lives, is something really special.
Want to join us?
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