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.
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?
5 Tips for Financial Bliss
Do you struggle to manage finances with your partner? Here's how to set yourself up for harmonious money discussions that are light on tension.
8 Ways Rich People Think Differently
Ever wondered how rich people think differently? See the key factors in how they built their wealth and start putting them into practice.
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Jesse
When Everything Around You Is In Flux...
Consider not just your money management, but also money principles that will keep you grounded when everything around you is in flux.
YNAB 4 Users: Ready to Upgrade?
The vast majority of people out there using YNAB have not heard of the new YNAB. On Dec.30, last year, we launched our minimum viable product. And now, we feel like we have a fully viable product.
Use Your Spending Trends As A Force For Good, Not Guilt
Just in case you missed it, we recently launched Reports. At some point, eventually, I promise we will stop screaming about it, but at this point, we are still pretty excited.
What To Do With Your Net Worth Report
Today I’ll dig into the Net Worth report. What does it mean? How can you use it? What will it do for you? Check it out!
What Is Your Budgeting Personality?
We're all budgeters, but there are many different ways to approach it. Some are certainly more unique than others.
How to Outsource Your Budget
Recently, my good buddy, Mr. Money Mustache, featured me on his blog. One of the questions he asked me about was fitness, “How do you do the fitness thing? How do you fit it all in?” I have always loved fitness, but lately, I’ve been extra busy, not thinking about it nearly as much.
Of Bench Pressing And Budgeting...
Today, I want to talk, just briefly, about bench pressing and budgeting. I bring up bench pressing, not because it's the most useful lift; it's not. (Everyone knows that's the squat.) But the bench press is the most popular, especially if you're a high school boy.
The Secret of Contentment
Everything we do at YNAB has a pretty singular goal: To help people reduce financial stress. And one of the best ways we can do that is to make your financial life very boring. Just so incredibly boring. As the boring-ness of your finances increase, so does your contentment, peace, and control.
Got 20 Minutes A Month? Then You Can Budget.
Budgeting can seem like a big, serious undertaking. But really, if you have 20 minutes a month, you can budget. Read for a quick run through.
Thoughts On Saving For A Down Payment
Today I want to talk about how to save for a down payment. But here is a pro tip: you could erase down payment and write in anything you want, because saving is saving is saving. But this is a big one.
How To Get Through College Debt-Free
Today, I’m mostly talking to you, college students and parents: You can get through college debt-free. Here's how I did it.
Cars And The Identities That Drive Them
As you are shopping for a car or any big purchase, ask yourself, “What message am I sending? Am I doing it on purpose? And why?”