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Jesse Mecham

YNAB Founder

Jesse Mecham is a personal finance expert, speaker, business leader, and the Founder of You Need A Budget (or YNAB if you are very busy and important). Jesse hosts the YNAB podcast, and is the Wall Street Journal best-selling author of book You Need A Budget. (He’s nothing if not consistent!) A self-proclaimed “recovering CPA,” he is deeply passionate about teaching individuals, families, and business owners YNAB’s Four Rules so they can gain total control of their money. 

Jesse first developed the YNAB method as a broke, newly married college student who really needed a budget. In an attempt to make an additional $300/month to cover rent, he sold his budgeting spreadsheet online and YNAB was born. Since 2004, the software has grown into a leading personal finance platform and has helped hundreds of thousands of people break the paycheck-to-paycheck cycle, get out of debt, and save more money. Now, YNAB has a growing team living and working all around the world, and has built a thriving remote culture that earned recognition as Fortune’s #1 best small company to work for (YNAB was doing remote work before it was cool!). When not teaching people how to budget, Jesse loves gardening, woodworking, marksmanship, and travel. He also spends a good bit of time with his wife and the seven small people that live in their house.

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Are You Riding the Credit Card Float?

Are you riding the credit card float? Here's a quick test: can you pay off your current bill AND meet your current obligations?

What is a Sinking Fund & How To Set One Up

What is a sinking fund? It's when you set aside a money each month to prepare for non-monthly expenses. Learn how to set one up!

Get On Board With Priority-Based Budgeting

Priority-based budgeting requires figuring out what matters to you and why. Spend smarter by aligning your budget with your values.

Make Room For Yourself While Managing Money Together

Learn how adding some wiggle room for personal spending can help you and your partner handle finances together for the long haul.

Living Within Your Means

It seems like the golden rule of personal finance is to "live within your means." This seems simple enough, so why don't more people do it?

Quarterly Checkup: How Healthy Are Your Finances?

Learn why you should review your personal budget on a quarterly basis, and how that data can help you budget more accurately!

What Is a Zero-Based Budget?

A zero based budget is about the most boring, uneventful thing you can possibly imagine with your money. It’s so simple, anyone can do it.

How Car Insurance Works

A virtual one-stop resource for you to learn how car insurance works and how to use this information to save on your auto insurance policy.

Can I Use Student Loans for Living Expenses?

You might be wondering "Can I use my student loans for living expenses?" The short answer is yes. But here's why you shouldn't.

Free Subscription for College Students

Yep, you read that right. Any – wait, every – college or graduate student is entitled to a free subscription of YNAB for one year. Why?

Is All Debt Bad Debt?

Debt isn't that bad, right? Wrong. It's not about the math, it's about the actual cost of debt and how it robs you of opportunity.

How to Calculate Quarterly Taxes

Are you a small business owner who feels overwhelmed at tax time? Learn how to calculate quarterly taxes to reduce the sting of that expense.