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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 Jesse Mecham Show, 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 the YNAB Method 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.

Featured Articles

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?

All articles by

Jesse

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!

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?

What Is Zero-Based Budgeting?

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.

Saving Money Saves Money

You know you need an emergency fund, but you aren't quite sure if it's "nice to have" or "need to have." Spoiler alert: it's a need.

I Hate Debt, But the Reasons Why Might Surprise You

I hate debt, and the reasons might surprise you. Learn how debt restricts financial freedom through the lens of the YNAB Method.

Learn YNAB’s Rule Three: Roll With the Punches

Understanding Your True Expenses (The Power of Rule Two)

This is Rule Two: Embrace Your True Expenses. Break up that larger, less-frequent expense into month-size chunks that you can manage.

What’s the Difference Between Budget vs. Bank Account?

YNAB let's you see your money from two different angles—in your bank accounts or in your budget. Same money, different organization.

What Does an Ideal Budget Look Like?

If you're wondering what an ideal budget looks like, we've got you covered. I've been budgeting for years. Here's what my budget looks like!

YNAB Starting Over: 3 Ways to Restart Your Budget

Slip-ups happen, but they're totally fixable. We even built a software feature to help you start over. Skip the guilt and let's go!