How Two New Parents Paid off $31,000 in 12 Months

The four magic words: “Have you checked YNAB?”

Today, we meet Tanya who lives in Akron, Ohio, with her husband and their two-and-a-half-year-old son.

Like so many of us, Tanya and her husband each grew up thinking that debt is just an unavoidable part of life. But, now, after paying off nearly $31,000 in just 12 months, their attitudes—and life—have completely changed. It just goes to show how powerful our thoughts are in shaping our reality.

Tune in to this episode of Debt Stories to hear how their money transformation really clicked when Tanya uttered the four magic words, “Have you checked YNAB?”

Get this episode’s transcript here.

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Do You Have a Debt Story?

Wanna know what’s better than an amazing debt makeover story? Several debt makeover stories! If you’re a YNABer and you’d be willing to let Jesse interview you for a future episode, write to us at In your email, include a short paragraph or a few bullets about your financial hurdles and how you overcame them.

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How Two New Parents Paid off $31,000 in 12 Months