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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 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.

All articles by

Jesse

How To Plan A Wedding On A Budget

If you are getting married, if your daughter is getting married, if you have a daughter—in all of these scenarios—you need a wedding budget.

Payday Loans for Small Business: Watch Out

Of course, the ads don’t call them payday loans. They mask these loans as something fancy: Factoring, invoice financing, receivables financing, asset-based lending, etc. It’s all the same thing. It’s just like you, as a small business owner, walking down to the nearest payday lender and getting some cash.

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.

The Secret To Staying Out of Debt

Maybe you've gotten out of debt (and it was so much hard work!) only to frustratingly fall right back into it. What gives?

Credit Cards In YNAB: The Long Read

Trying to understand the underlying logic behind credit cards in YNAB? We're going to take a short history lesson back to the 16th century.

Bill Me Later, Bill Me More

You don't want to have your priorities forced on you by past you that ran up a big tab that you are stuck paying in the here and now.

The Freedom and Weight of Undo

Today I want to talk about a tiny financial principle that can have big ramifications—the do-over. In the new YNAB you can undo and redo pretty much anything. This may not sound like a big deal, but without that option (I'm looking at you, YNAB 3 and 4!) you become painfully aware of its importance.

Why Debt Gets Us Fired Up

It's a forced obligation. A forced priority. And you have to do something about it. So, the question is just how intense do you want to be?

January vs. December

January is the antithesis of December. Think about it. December is all about the spending. And January is all about opening that credit card bill. I'm mostly speaking to those of you that maybe weren't following the YNAB way in 2015, or let the holiday spirit get the best of you.

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.

The New YNAB Business Model

A popular question we're getting is around the switch of our business model from a one-time-fee-then-hopefully-buy-upgrades to a subscription model. Here's why! Holding back features is wrong.

Moving From YNAB 4? Learn More!

We’ve been waiting about 18 months to be able to write that. Every one of the YNAB team members is on pins and needles. Our support team is anxious to help you get to know the new software. Our instructors have a whole set of classes to get you started off right.