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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.

All articles by

Jesse

See My Budget: Paying off Loans on $3,100/Month

Eric is a 23 year-old recent college grad living in a snowy part of the midwest. He graduated high in his class at school and landed a good job the month after graduation – but the education didn’t come cheap.

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...

Mike Paid Off $38,204 of Debt in 18 Months

Mike had no idea that it was possible to pay off $38,204 in debt in 18 months. Deciding to aggressively tackle his debt was life-changing.

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.

Here’s how to spend $6,240 per month on two children.

Would you spend the money to send your kids to college? Marie and her husband have the money, and that’s exactly how they’ve chosen to use it.

July Podcast Roundup 2013

If you haven’t yet tasted of July’s podcasts, here’s your reminder! You’ll be glad you did. 087 – A Tactic for the Reluctant Spouse – The key is to give them a taste of how good it feels to save up and pay for something. Positive, achievable, and life-changing.

Should You Become a Programmer?

Last week I spent a lunch catching up with my former business partner (and still good friend). As we chatted about new projects, we both mentioned frustration with finding programmers to help us build the software we need to move our businesses forward.

Join the Battle Against Unnecessary Mouse-Clicks in YNAB

Mouse-free transaction entry for the YNABer on the go. What are you going to do with your new-found free time?

June Podcast Roundup Part 1

June saw less podcasts in quantity, but certainly not quality. For you folks on variable income, you definitely don’t want to miss this one.

The 60/40 and the 80/20 Budget Methods Fall Short

I love the concept of automation and I think we should apply it to our personal finances wherever sensible, including our savings and budget.

Keep Monopoly Money Out of Your Budget

A couple of my recent posts have mentioned Rule One. Yesterday’s sparked a conversation with a good friend who told me he’s been breaking Rule One without even realizing it (which I’ve also done).