YNAB tree logoAustralian flag
It looks like you're located in Australia.
We have an Australian version of our website.

Please confirm your location and we’ll send you to the appropriate site!

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

What Age Should My Kids Start Budgeting?

Eight is the perfect age to start budgeting with your kids. They are old enough to understand, to learn from mistakes, to benefit from good choices.

What are True Expenses?

True Expenses in YNAB are non-monthly bills and expenses like auto insurance, holiday gifts, or a tuition bill.

If You Feel Guilty Spending Money, You're Doing It Wrong

We recently took the YNAB team on a retreat. We save for it all year long and when we spend on it, it's guilt free.

How Old Is Your Money?

No financial number offers a complete picture of your financial stability or flexibility. Learn what the age of money says about your budget.

How To DIY Your Own Betterment Portfolio

Betterment is an investing option that helps you hit every investing rule listed above, while making the whole process simple.

YNAB’s Business Category Setup in YNAB…Revealed.

"Revealed" is such a hokey marketing word. But I just returned from MicroConf in Vegas and hokey marketing is on the brain. In working with a lot of small business YNABers over the past little while, I was asked how I (Jesse) have set up YNAB's (the business) categories in YNAB (the software).

YNAB is Now Free for College Students

If you’re a college student, we’ll let you use YNAB for free for a whole year — so you can start your next chapter in control of your money.

How do I budget if I'm paid fortnightly?

The perceived conflict between a month-based budget layout and other-than-monthly pay schedules has confused many of us. Here's how to do it.

A 50% Savings Rate is Impossible...Isn’t it?

I may never achieve a 50% savings rate (as Mr. Money Mustache encourages). But it’s such a compelling ideal that I’ve resolved to start generally wandering in that direction.

How to Become Debt Free With a Low Income

It’s going to be tight, but you can do it. Getting out of debt involves one big decision followed by small, daily decisions.

We need to “re-learn” to hate debt.

When you borrow to buy anything that depreciates, you’re negotiating a pay cut with your future self. Take 14 minutes to watch this TedTalk...

How to Calculate Your Personal Savings Rate

I want a fat purse, and I like the simplicity of taking 10 cents of every dollar earned and saving it for the future. Learn how much to save.