Podcasts about ynab

Jason Vitug, award-winning, best-selling author, speaker and entrepreneur joins the Journey to Launch podcast to discuss why money is a path to happiness, but it doesn't embody it. Jason, once a corporate ladder climber, found himself stressed out, burnt-out and living a life he was no longer aligned with. Through trial and error… and rest, Jason discovered the intrinsic connection between mental health and money and how people can move forward to a healthier, happier path on their financial freedom journeys.  In this episode, we also discuss: Quiet Quitting: what it is, why you need an exit plan and taking advantage of ALL your work perks What happiness dimensions are, why you need to implement them in your day-to-day life + actionable steps to make that happen TODAY The reality of knowing yourself and what makes you happy outside of a financial number or achievement  Why we need mental breaks, buying happiness by spending on wellness, stepping off the hamster wheel + more Other related blog posts/links mentioned in this episode: Check out Jason's book: Happy Money Happy Life: A Multidimensional Approach to Health, Wealth, and Financial Freedom Small Steps To Reach Big Dreams + Going From An Observer To Main Player In Your Life Apply to Share Your Journeyer Story here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here!  Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Jason: Website Instagram:@Phroogal Twitter:@JasonVitug Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Have you felt overwhelmed trying to think of categories for your money when you start a fresh spending plan? Or just wished someone would come up with new categories for you when you need to plan for a major life event? You're in luck, someone has done all that work for you! They are called YNAB templates. In today's episode Ben and Ernie take a look at the new templates feature in YNAB, and share their experiments incorporating templates into their own spending plans.   There are a number of templates available, ranging from very general, such as the beginner and minimalist templates, to highly specific, such as getting a new puppy or renovating your kitchen. Templates have categories preloaded and organized for you, and some even have targets with ballpark figures. The idea is to help you think of the various things you need to plan for, big and small. For instance, when planning a vacation most people immediately think of airfare and hotels or Air B&B, but there are also small expenses like parking and souvenirs that can add up to big bucks over the course of a trip! With the travel template, all these things have already been considered for you, so you can just import the template directly into your plan and set targets that fit your trip.   Ben and Ernie each picked a template to import into their plan (it's easy to import templates -- just find the one you want to use, one click and it imports straigth into your plan). Ben chose travel and used it for a recent beach vacation. Ernie chose food since he and his family have recently changed their habits around eating out and shopping for groceries. Of course, templates aren't set in stone, so Ben and Ernie modified them to fit their own situation.   If you find yourself stuck on building categories in your plan, or just need some fresh inspiration, try out a template!   Find your YNAB template here: https://www.ynab.com/templates   Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g   Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com

#865: Join us as we sit down with Chervin Jaferieh – leading wellness expert, mentor, entrepreneur, & co-founder of Cymbiotika. A devoted seeker of truth & knowledge, Chervin is widely known for his innovative, holistic approach to health. Cymbiotika continues to disrupt the supplement space with cutting-edge formulations, raising the bar & inspiring individuals to unlock peak wellness. In this episode, Chervin dives into the power of nervous system regulation, the benefits of fasting, why he champions sustainable local farming, the impact of tech & social media on well-being, his daily rituals of meditation & reflection, & shares a deep look into his personal health routine!   To Watch the Show click HERE   For Detailed Show Notes visit TSCPODCAST.COM   To connect with Chervin Jaferieh click HERE   To connect with Cymbiotika click HERE   To connect with Lauryn Bosstick click HERE   To connect with Michael Bosstick click HERE   Read More on The Skinny Confidential HERE   Head to our ShopMy page HERE and LTK page HERE to find all of the products mentioned in each episode.   Get your burning questions featured on the show! Leave the Him & Her Show a voicemail at +1 (512) 537-7194.   Go to http://Cymbiotika.com/TSC for 20% off your order + free shipping!   This episode is sponsored by The Skinny Confidential Your daily routine done better – with The Skinny Confidential Caffeinated Sunscreen. Subscribe today at https://shopskinnyconfidential.com/products/sunscreen and get it delivered right to your door – because great skin doesn't take days off!   This episode is sponsored by 7Diamonds Use code SKINNY for 20% off your first order at http://7Diamonds.com.   This episode is sponsored by Squarespace Go to squarespace.com for a free trial, and when you're ready to launch, http://squarespace.com/SKINNY to save 10% off your first purchase of a website or domain.   This episode is sponsored by YNAB TSC Him & Her Show listeners can claim an exclusive three-month free trial, with no credit card required at http://YNAB.com/skinny.   This episode is sponsored by The RealReal Get $25 off your first purchase when you go to http://TheRealReal.com/skinny.   This episode is sponsored by Policygenius Head to http://policygenius.com/SKINNY to compare quotes and get the coverage you need.   Produced by Dear Media

We talk about how YNAB is the ultimate weapon against money stressors -- as you gain control over your spending, learn to give every dollar a job, and bring your spending in line with your priorities, the stresses decrease and are replaced by a growing confidence. There are other psychological "costs" of money, such as the anxiety and mental overhead created by second guessing your choices.   Should I buy this? Can I even afford it? Should I have bought that? Is this what we should be doing right now? YNAB gives you the freedom to act, to spend your money confidently without second guessing every decision.   Like Jesse and his GE upright freezer, it doesn't mean you'll never regret your purchases, but you won't second guess the fact that you spent the money!   Watch The Jesse Mecham Show on YouTube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial

Ellyce Fulmore, Canadian Queer and neurodivergent financial educator, joins the Journey to Launch podcast to talk about how she paid off high interest debt, ADHD and money, and her new book, “Keeping Finance Personal.”  Ellyce is a full-time content creator and founder of Queerd Co., a financial literacy company. Her approach to finance goes beyond the conventional, focusing on the intersectionality of identities and lived experiences.  We also discuss the importance of understanding how dopamine operates in your neurodivergent brain, ADHD hacks to get better with money, what “Momentum Surfing” is, and how to figure out (and stick to) a budget process that works best for you. In this episode you'll learn more about: Challenges people with neurodivergence experience with finance + how they can become better at money management The strategy behind Ellyce paying off debt and investing while on an inconsistent income Why becoming debt free isn't “the ultimate” goal for everyone  Celebrating people's differences, the validity of self diagnosis, sticker boards + more Check out the video to this episode on YouTube here.  Other Links Mentioned in episode: Dopamenu with How to ADHD + Eric Tivers Apply to Share Your Journeyer Story here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here!  Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Ellyce: Website: QueerdCo.com  Instagram:@Ellyce.Fulmore Tik Tok:@QueerD.Co Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Get The Free Jumpstart Guide  

Jesse reflects on his interactions with YNAB'ers at the recent Fan Fest in Minneapolis, and how spendfulness manifested in many different ways. One important takeaway for Jesse was that while practicing spendfulness could mean taking a cool international vacation, or buying something fun and interesting (and those are totally valid things to spend money on!), it could also mean having the freedom and peace of mind to take risks and embark on new ventures.   Watch The Jesse Mecham Show on YouTube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial

This week on the Journey to Launch podcast, I'm joined by Lori-Sara Gauthier, a public health worker based in Toronto who is in the thick of transforming her finances and her mindset. Lori-Sara recently paid off $14,000 in consumer debt, is working on eliminating her student loans, and is intentionally charting a path toward financial freedom. Lori-Sara opens up about her spending habits, emotional triggers behind money decisions, and the moment she realized something had to change. Through self-awareness, therapy, and learning about the FIRE movement, she's rewriting her money story and embracing the power of small, consistent actions. In this episode, we discuss: How Lori-Sara fell into and climbed out of $14K of credit card debt The emotional connection between childhood scarcity and adult overspending What she's doing now: building an emergency fund, tackling student loans, and investing for the future Why she threw a party to celebrate being debt-free, and how running helped her stay on track Her evolving thoughts on FI, public service pensions, and leaving room for future flexibility Other Links Mentioned in episode:  Your Money or Your Life by Vicki Robin Clever Girl Finance by Bola Sokunbi You Need a Budget by Jesse Mecham Apply to Share Your Journeyer Story here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here!  Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

In today's episode Ben and Ernie chat with Lauren, a long time YNAB user going back to YNAB4 and a Customer Support Specialist at YNAB. Though she was born in the US, Lauren is of Korean descent and since 2017 has been teaching English in South Korea. Her unique background has required some pro-level YNAB moves, since she is paid in US dollars but spends in both USD and Korean Yuan, which fluctuate in value relative to each other.   YNAB's recommended solution is to maintain two plans, one in each currency, so that currency fluctuations don't cause your plan to drift over time. This is a reliable method, but it requires you to maintain two plans and keep track of duplicate categories in each currency. Lauren prefers to manage her money in one plan, and simply makes the currency conversion when she enters her transactions in YNAB.   In today's episode Ben and Ernie dive into Lauren's categories, and discuss her unique way of managing multiple currencies in one plan.   Resources mentioned in this episode: YNAB Templates: https://www.ynab.com/templates   Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g   Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com

On today's episode I am talking again with Laney Crowell, Founder and CEO of Saie Beauty. A lot has changed since our last conversation in 2020—Saie has now grown into a $100M+ brand and a major player in clean beauty. Laney shares the key inflection points on the road to scaling, the hero products that propelled the brand (like Glowy Supergel and Dew Blush), and her top advice for building both product and community. She gets candid about what she didn't realize was required to scale, her fundraising journey from zero experience, and when it's time to hire a president. Laney also opens up about balancing motherhood with entrepreneurship, the importance of fast decision-making, and what makes a job applicant stand out at Saie. Whether you're a founder, future beauty exec, or just looking for the ultimate sun-kissed look—this episode is packed with insight and inspiration. Enjoy!To connect with Laney on Instagram, click HERE.To shop Saie at Sephora, click HERE.To connect with Saie on Instagram, click HERE.To connect with Saie on Tiktok, click HERE.To connect with Siff on Instagram, click HERE.To connect with Siff on Tiktok, click HERE.To learn more about Arrae, click HERE. To check out Siff's LTK, click HERE.To check out Siff's Amazon StoreFront, click HERE. This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.Get healthy, glowing skin for summer with clean, vegan face and body care from OSEA. Get 10% off your first order sitewide with code DREAMBIGGER at OSEAMalibu.com. You will get free samples with every order, and free shipping on orders over $60. Save 15% off my favorite Red Light Face Mask from BON CHARGE by using code DREAMBIGGER at www.boncharge.comShopify.com/dreambiggerListeners of Dream Bigger can claim an exclusive three-month free trial, with no credit card required at www.YNAB.com/dreambigger. Produced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

#861: Join us as we sit down with Bobby Parrish – best-selling author, ingredient investigator, & founder of the wildly popular brand FlavCity. Known for breaking down complicated food labels & exposing the truth behind what's really in your grocery cart, Bobby has empowered millions to shop smarter, eat cleaner, & live healthier. In this episode, Bobby unpacks the biggest misconceptions about food marketing, how to decode ingredient lists, behavioral effects linked to artificial colors, & what to look for (and avoid) on labels – plus, he reveals ‘Bobby Approved' items you should have in your kitchen! To Watch the Show click HERE For Detailed Show Notes visit TSCPODCAST.COM To connect with Bobby Parrish click HERE To connect with Lauryn Bosstick click HERE To connect with Michael Bosstick click HERE Read More on The Skinny Confidential HERE Head to our ShopMy page HERE and LTK page HERE to find all of the products mentioned in each episode. Get your burning questions featured on the show! Leave the Him & Her Show a voicemail at +1 (512) 537-7194. To learn more about Bobby Approved items and shop Flav City go to bit.ly/FlavCity-SKINNY and use code SKINNY for 15% off for a limited time. This episode is sponsored by The Skinny Confidential For a better choice and peace of mind in your home, shop The Skinny Confidential Non-Toxic Toilet Paper at https://shopskinnyconfidential.com/products/toilet-paper. This episode is sponsored by YNAB TSC Him & Her Show listeners can claim an exclusive three-month free trial, with no credit card required at http://YNAB.com/skinny. This episode is sponsored by Nutrafol For a limited time, Nutrafol is offering our listeners $10 off your first month's subscription and free shipping when you go to http://Nutrafol.com and enter the promo code SKINNYHAIR. This episode is sponsored by Just Thrive Head to https://justthrivehealth.com/discount/TSC and use promo code TSC for 20% off your first order. This episode is sponsored by Caraway Visit http://Carawayhome.com/TSC10 or use code TSC10 at checkout to take an additional 10% off your next purchase. This episode is sponsored by Astral House Marg Summer is here. Time to stock up! Go to https://www.astraltequila.com to find Astral near you - and don't forget the limes! Please Enjoy Responsibly. ASTRAL Tequila. 40% Alcohol per Volume. Diageo , New York, NY This episode is sponsored by ARMRA Go to http://tryarmra.com/SKINNY or enter SKINNY to get 15% off your first order.   Produced by Dear Media

In 2017 the Mecham family decided to live in Manhattan for three months to experience the city, soak up the food and culture, and just have fun doing something different. While they were there they chose to maximize their opportunity to eat out -- Jesse went back and counted over 140 different establishments during that 90 day stay!   After that experiment, Jesse and the family decided to try the complete opposite. No eating out for 90 days. The result? They didn't really care about it much, and now the family rarely eats out. What the experience in Manhattan taught them was that, for them, eating out is about the experience. They like big, "journal worthy" meals. Day to day eating out at average restaurants just doesn't hold much appeal.   They only know this because they have examined their priorities and tested things out. Jesse encourages you to do the same -- question why you do what you do, and try to live differently for a little while. You may find, like many, many YNAB'ers before you, that eating out is not as much of a priority as you were making it!     Watch The Jesse Mecham Show on YouTube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial

This week on the Journey to Launch podcast, I'm joined by Jackie Kasper, a fellow Journeyer who's intentionally building a life of connection and financial freedom. Jackie is a mom of two, a director of operations at a Chicago-based fintech startup, and someone who's actively pursuing Financial Independence (FI) within the next 2–7 years. We also dive into how she and her husband are navigating the journey together (even if they're not always on the same financial page), the influence of motherhood on her long-term goals, and what reaching Coast FI means for her family's options and freedom. In this episode, Jackie opens up about: How she got into the FI movement after being introduced by her sister-in-law The mindset and financial shifts she made to go from spending freely to strategically investing Buying her first multi-unit property with her brother at 25 and how real estate plays into her FI goals + much more.0 Other Links Mentioned in episode:  Apply to Share Your Journeyer Story here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here!  Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Join Ben and Meagan as we share tips about camping with kids that we learned on our week long camping trip to Banff National Park and Glacier National Park.  Use our Get Away Today affiliate link when you're planning your next Disney vacation to get the best deals! Use our code YellowVan for extra savings on your vacatino package. Use our YNAB link for an extra month free! Check out our blog and Etsy shop Shop through our Amazon affiliate link Email us at yellowvantravels@gmail.com Find us on social media: Instagram Twitter Facebook Youtube Links in show notes contain affiliate links*

It seems obvious that you should save money. It's the right thing to do, after all! But even the words that we use talk about saving money have problems -- should, ought --  loaded with moral baggage. Jesse reminds us that even money earmarked for savings is still spending, just spending that has been deferred to a later date, retirement for example. That money still needs to have a job, however. Saving for what in retirement? Utility bills? Travel? Presents for the grandkids?   Money for the future has a job just like money for the present, and when you view money through the lens of giving every dollar a job, you begin to see that money is only meant to be spent. There is no savings, only spending!    Watch The Jesse Mecham Show on YouTube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial

Bill Perkins, author and founder, managing partner and head trader for Skylar Capital, joins the podcast to discuss how to live your best life no matter your income and his two decades of experience in the trading industry. We talk about the importance of balancing your financial goals with your time-appropriate life experiences and adding joy in your life right now while being intentional with what you want to do. Bill's book, “Die With Zero,” has been featured in The New York Times, Mr. Money Mustache, Success, and more. In this episode we discuss: How to enjoy your money and time now, instead of restricting yourself to the point of robbing you of your life Balancing optimizing your life to fulfillment and saving for the future Why certain experiences are useless for us at a certain point if we don't use them Confronting fear-based mindsets by identifying goals Why waiting until we die to give our children a financial foundation doesn't make sense + more Other Links Mentioned in episode:  DiewithZero.com/welcome Apply to Share Your Journeyer Story here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here!  Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Bill:   Website Instagram:@BillPerkins Twitter: @bp22 Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

You don't have to be a power user for YNAB to help you gain control over your money, start loving the way you spend, and change your life. But there's a lot of power under the hood, and Ben and Ernie want to help you unlock it! In today's episode they walk through a handful of their favorite YNAB features and tools and show how you can use them to plan your spending like a true Budget Nerd.   Resources mentioned in this episode: YNAB Templates: https://www.ynab.com/templates Heard It from Hannah -- 10 Features You Might Have Missed: https://youtu.be/-N94FQjaVyU?si=hIsKCZlQbZj42tw0     Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g   Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com

When you really want to buy something, what do you do? Do you wait for 48 hours to cool off a bit and think it over? Or perhaps do you create a category for it in YNAB and fund it with a few dollars, just to see how it feels? Having the urge to buy something is not a bad or shameful thing, but there should be a process for weighing that purchase against your other priorities. That's what YNAB does -- it makes money more real by giving you a framework to evaluate your spending against your priorities. That way when you buy something, you can feel really good about it -- no shame, no guilt, just joy!     Watch The Jesse Mecham Show on YouTube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial   Tickets to YNAB Fan Fest 2025 are on sale now! Coming to Minneapolis and NYC: YNAB.com/events  

This week on the Journey to Launch Podcast, I'm speaking to fellow Journeyer, Christina Cates, a pediatric surgery physician assistant in Florida who pivoted from her career as a dietitian to triple her income and build a path toward financial independence (FI). Christina first discovered the FI movement through the Journey to Launch podcast and went all in—educating herself, shifting her money mindset, and making bold career moves, including negotiating her salary multiple times. At age 35, she went back to school to become a physician assistant, all while managing ADHD, tackling debt, and staying committed to her long-term financial goals. She shares her journey from paycheck-to-paycheck struggles to becoming a confident investor with a plan to reach a $1.5 million FI number—all while enjoying the ride. If you've ever wondered whether it's “too late” to make a change or if you're stuck in a low-paying field, Christina's story will inspire you to rethink what's possible. In this episode we discuss: Why Christina pivoted careers at age 35 and how she chose the PA path How she negotiated her salary increases (and why it paid off—literally) Balancing student loan debt with investing + her timeline to FI Why mindset, not age, is the biggest barrier to change Other Links Mentioned in episode:  Apply to Share Your Journeyer Story here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here!  Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Christina:   Instagram:@Rosie_d108 Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

On today's episode I am speaking with Jesse Mecham, founder of You Need a Budget (YNAB). He shares the inspiring story behind building one of the most beloved budgeting tools—starting with a simple spreadsheet in 2004. He dives deep into the principles of giving every dollar a job, the five key questions to ask when managing your money, and how to eliminate financial stress with a mindset shift. Whether you're just starting your financial journey or looking to reset your habits with a “money detox,” Jesse offers actionable insights to help you build a sustainable, stress-free relationship with money. Enjoy!To check out YNAB on Instagram, click HERE.To check out YNAB's Website, click HERE. To connect with Siff on Instagram, click HERE.To connect with Siff on Tiktok, click HERE.To learn more about Arrae, click HERE. To check out Siff's LTK, click HERE.To check out Siff's Amazon StoreFront, click HERE. This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.Visit www.ynab.com/dreambigger to claim an exclusive three-free month trial, with no credit card required.Produced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are your supplements actually clean? In this episode, Dr. Will Cole sits down with Oliver Amdrup-Chamby, founder of Puori, to uncover what's really hiding in the supplement industry. From shady sourcing and contaminated products to the truth about magnesium, fish oil, and collagen - this is a wake-up call for anyone investing in their health. You'll learn what third-party testing actually means, how to spot greenwashing, and which supplements are worth your time and money. For all links mentioned in this episode, visit www.drwillcole.com/podcastGo to www.puori.com/willcole and use code WILLCOLE to get 20% off your first order! The code even applies to already discounted subscriptions, so you get almost a third off!Please note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Sponsors:Listeners of The Art of Being Well can claim an exclusive three-month free trial, with no credit card required at www.YNAB.com/willcole.Strong Cell comes in a daily 2 oz drink, and I challenge you to take it for 30 days and see how you feel. Go to strongcell.com/will today to get started. Friends of the show get 20% off. Text ABW to 64000 to get twenty percent off all IQBAR products, plus FREE shipping. Message and data rates may apply.Get 20% off, or if you choose the already discounted subscription, you get almost a third off the price! Don't wait! Use promo code WILLCOLE at Puori.com/WILLCOLE.Go to shopremi.com/WILLCOLE and use code WILLCOLE at check out for 50% off.Produced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

#852: Join us as we sit down with Jesse Mecham – personal finance expert, speaker, business leader, & the Founder of YNAB, a powerful money management tool. Early in his career, while juggling rent, groceries, & college tuition, Jesse created a method to track his finances as a newlywed, building a simple spreadsheet to give every dollar a job. What started as a budgeting tool quickly evolved into a framework for creating a life of intention & purpose, becoming a getaway to the life they truly wanted. In this episode, Jesse breaks down money management as an act of self-care, explores how our perception of money shapes parenting styles – including how to teach children about finances, emphasizes the importance of assigning every dollar a job, & shares insightful tips for making intentional financial choices. To Watch the Show click HERE For Detailed Show Notes visit TSCPODCAST.COM To connect with YNAB click HERE To connect with Lauryn Bosstick click HERE To connect with Michael Bosstick click HERE Read More on The Skinny Confidential HERE Head to our ShopMy page HERE and LTK page HERE to find all of the products mentioned in each episode. Get your burning questions featured on the show! Leave the Him & Her Show a voicemail at +1 (512) 537-7194. This episode is sponsored by YNAB Visit ynab.com/skinny to claim an exclusive three-month free trial, with no credit card required. Produced by Dear Media  

In this back-to-back interview, Dr. Will Cole sits down with two of the most compelling, lightning rod voices in the health of America and beyond: HHS Secretary Robert F. Kennedy Jr. and Director of the National Institutes of Health (NIH) Dr. Jay Bhattacharya. Together, they unpack the chronic disease epidemic, what really happened during the COVID-19 pandemic - from lockdowns and mandates to the suppression of medical debate - and the long-term consequences we're only beginning to understand. Whether you agree or disagree, this episode challenges you to think critically about the intersection of public health, politics, and personal freedom. For all links mentioned in this episode, visit www.drwillcole.com/podcastPlease note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Sponsors:Listeners of The Art of Being Well can claim an exclusive three-month free trial, with no credit card required at www.YNAB.com/willcole.Strong Cell comes in a daily 2 oz drink, and I challenge you to take it for 30 days and see how you feel. Go to strongcell.com/will today to get started. Friends of the show get 20% off.Visit https://www.ActiveSkinRepair.com to learn more about Active Skin Repair and to get 20% off your order, use code: WILLCOLE.AG1 is offering new subscribers a FREE $76 gift when you sign up. You'll get a Welcome Kit, a bottle of D3K2 AND 5 free travel packs in your first box. So make sure to check out DrinkAG1.com/willcole to get this offer. Produced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week Jesse and the rest of the YNAB team are working hard prepping for the upcoming Fan Fest in Minneapolis, so today we are rebroadcasting an interview that originally appeared on Dr. Will Cole's Art of Being Well podcast. In this interview, Jesse talks about how money stress not only leads to poorer mental health, it has real physical impacts on the body as well.   We hope you enjoy this interview. If you'd like to follow Dr. Cole's podcast, check out the links below: Web: https://drwillcole.com/podcast/money-anxiety-is-ruining-your-health-heres-how-to-fix-it-jesse-mecham Apple: https://podcasts.apple.com/us/podcast/the-art-of-being-well/id1539535133 Spotify: https://open.spotify.com/show/6z1lJ5dfKNHwGGQPOFTc7E?si=22d31749ba9142f7   Need last minute tickets to YNAB Fan Fest in Minneapolis? Get them here! YNAB.com/events     Watch The Jesse Mecham Show on Youtube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial

This week on the Journey to Launch podcast, I'm joined by Pat Flynn—digital entrepreneur, founder of Smart Passive Income, creator of Deep Pocket Monster, and author of Lean Learning: How to Achieve More by Learning Less. Pat shares how getting laid off from his dream job led to building a thriving online business, and how he's stayed grounded while growing multiple ventures across podcasting, YouTube, community building, and even Pokémon. We explore the benefits of learning less, how to manage growth without losing yourself, what it takes to trust others in your business, and how to keep things fun while building a life aligned with your values. In this episode we discuss: How a $19.99 PDF launched Pat's entrepreneurial career The mindset shift that helped him avoid burnout and delegate effectively Strategies to decide if an idea should be monetized or kept as a hobby What it means to build a business that truly fits the season of life you're in Why reflection, experimentation, and service are key to sustainable growth Check out the video to this episode on YouTube here: youtube.com/journeytolaunch Other Links Mentioned in episode:  Check out Pat's book, Lean Learning: How to Achieve More By Learning Less Listen to Pat's previous episode on the Journey to Launch Podcast, Building a Community, Using Entrepreneurship to Build Personal Wealth & Scaling a Business  Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Pat Flynn: PatFlynn.com SmartPassiveIncome.com Instagram:@PatFlynn Twitter:@PatFlynn Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Get your popcorn ready, because on today's episode Ben and Ernie are lacing up the gloves and going for 12 rounds! Twelve rounds of YNAB debate, of course. They have selected 12 YNAB hot topics and spend three minutes debating each one. Topics include: Using emoji's in category titles Using a cash account vs a cash category to track physical dollar bills Prioritizing an emergency fund or getting a month ahead And more!     Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g   Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com   Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events

On today's solo episode I dive into what it takes to scale a brand after the initial launch phase. Aimed at intermediate founders in year two and beyond, we explore actionable strategies for continued growth—personally and professionally. From reading habits and mindset shifts to building intentional partnerships and navigating rooms with confidence, this conversation covers the often-overlooked emotional and spiritual aspects of entrepreneurship. I also touch on managing imposter syndrome, tapping into your alter ego, and why protecting your time and energy is key to long-term success. Enjoy!To connect with Siff on Instagram, click HERE.To connect with Siff on Tiktok, click HERE.To learn more about Arrae, click HERE. To check out Siff's LTK, click HERE.To check out Siff's Amazon StoreFront, click HERE. This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.Save 15% off my favorite Red Light Face Mask from BON CHARGE by using code DREAMBIGGER at www.boncharge.comGet 10% off your first order sitewide with code DREAMBIGGER as OSEAMalibu.com. You'll get free samples with every order, and free shipping on orders over $60. Head to OSEAMalibu.com and use code DREAMBIGGER for 10% off.Ready to clean up your home and your health? Head to BranchBasics.com to shop their Premium Starter Kit and use code DREAMBIGGER at BranchBasics.com. That's 15% off your New Branch Basics Premium Starter Kit at BranchBasics.com with promo code DREAMBIGGER. Make the change today – because you and your family deserve better.Listeners of Dream Bigger can claim an exclusive three-month free trial, with no credit card required at www.YNAB.com/dreambiggerProduced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's no secret that money is a major factor in relationship conflicts. Whether it's misaligned values, a feeling that one partner is sabotaging the other's goals through their spending, or a desire to keep up with the Jones'... money has the potential to start or fuel a lot of conflict. But it doesn't have to! Often money arguments belie fundamental communcation problems, and YNAB can help by clarifying for both partners what the goal is for your dollars and whether that is aligned with your shared values.   Watch The Jesse Mecham Show on Youtube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial   Tickets to YNAB Fan Fest 2025 are on sale now! Coming to Minneapolis and NYC: YNAB.com/events  

In this episode of Journey to Launch, I'm joined once again by Travis Hornsby, founder of Student Loan Planner. Travis returns to break down the current state of student loans, including what's changed under the Biden and Trump administrations, what borrowers should expect moving forward, and how to navigate the uncertainty with smart, strategic planning. Whether you're a recent grad or have six-figure student debt, this episode will help you better understand your options and next steps. What You'll Learn in This Episode: What happened to Biden's student loan forgiveness and SAVE Plan—and why they're essentially dead How the IDR account adjustment and PSLF waiver may still benefit you What the new GOP proposals could mean for repayment plans and forgiveness timelines The difference between public vs. private student loans—and strategies for managing each Why many borrowers should consider enrolling in an Income-Driven Repayment (IDR) plan now Check out the video to this episode on YouTube here. Other Links Mentioned in episode:  Book Your Custom Student Loan Plan at Student Loan Planner, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Travis Hornsby: Website Instagram: @StudentLoanPlanner Twitter:@StudentLoanTrav Facebook:@StudentLoanPlan Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Join Ben and Meagan as we talk about our new camper van! Use our Get Away Today affiliate link when you're planning your next Disney vacation to get the best deals! Use our code YellowVan for extra savings on your vacatino package. Use our YNAB link for an extra month free! Check out our blog and Etsy shop Shop through our Amazon affiliate link Email us at yellowvantravels@gmail.com Find us on social media: Instagram Twitter Facebook Youtube Links in show notes contain affiliate links*

It's Shaun Preece's birthday, and while gifts may be off the table, the jokes definitely aren't. Steven and Shaun tackle listener questions ranging from Echo and Sonos setups to whether the Echo Show 8 can automatically show your Blink Doorbell feed. They also revisit the infamous Be My Eyes live video demo and explain why OpenAI's rollout delays are holding back features the community craves.There's discussion around Seeing AI vs. Gemini for CD identification, a shoutout to the queen of iOS Shortcuts, Rosemary Orchard, and a strong recommendation for the budgeting app YNAB. On the Android front, they talk Gemini's growing usefulness, the flexibility of TalkBack 16, and why Steven might be falling back in love with Google's platform.Listeners share frustrations, app picks, tech hacks, and awkward public interactions—like when someone gave listener Eleanor travel directions to a guide dog.Thanks to Turtleback Low Vision for sponsoring this episode of Double Tap. As a thank you to the Double Tap community, Turtleback is offering 12% off your entire order with promo code DT12. Visit https://www.turtlebacklv.com to shop the full lineup!Chapters00:00 - Introduction00:27 - It's Shaun's Birthday!02:21 - Amos Miller From Glidance Joins Us Tomorrow05:30 - Listener: Camille on playing Amazon Echo through Sonos speakers08:01 - Listener: Amanda on using Seeing AI to read CDs17:35 - Listener: Juan wants his Blink doorbell to appear on his Echo Show20:39 - Listener: Negative Julian on Android updates27:18 - Sponsor: Turtleback27:56 - Subscribe to the Double Tap newsletter32:21 - Listener: Trevor on using his Yeti mug44:46 - Listener: Chanelle's app review of You Need A Budget53:51 - Listener: David on caring for the cane55:14 - Listener: Eleanor on dealing with the public Find Double Tap online: YouTube, Double Tap Website---Follow on:YouTube: https://www.doubletaponair.com/youtubeX (formerly Twitter): https://www.doubletaponair.com/xInstagram: https://www.doubletaponair.com/instagramTikTok: https://www.doubletaponair.com/tiktokThreads: https://www.doubletaponair.com/threadsFacebook: https://www.doubletaponair.com/facebookLinkedIn: https://www.doubletaponair.com/linkedin Subscribe to the Podcast:Apple: https://www.doubletaponair.com/appleSpotify: https://www.doubletaponair.com/spotifyRSS: https://www.doubletaponair.com/podcastiHeadRadio: https://www.doubletaponair.com/iheart About Double TapHosted by the insightful duo, Steven Scott and Shaun Preece, Double Tap is a treasure trove of information for anyone who's blind or partially sighted and has a passion for tech. Steven and Shaun not only demystify tech, but they also regularly feature interviews and welcome guests from the community, fostering an interactive and engaging environment. Tune in every day of the week, and you'll discover how technology can seamlessly integrate into your life, enhancing daily tasks and experiences, even if your sight is limited. "Double Tap" is a registered trademark of Double Tap Productions Inc.

To many, the word "budget" brings to mine restrictions, guilt, punishment, and a general feeling of dread that they don't have control over their money, much less hit their budget goals. But this idea that a budget means setting hard limits on spending in various categories, then looking back every month to see if you were "good" or "bad" in adhering to those limits... it's all backwards!   Jesse has another way to look at "budgeting," or planning as he calls it. You give every dollar you have a job -- you look at what future expenses you know you have coming and put those dollars into categories to cover those expenses. Once you have your future expenses covered, then you start thinking about what else you'd like to do with your money: take a trip, buy some new clothes, maybe go out to a nice restaurant. Then, as life happens and your needs change, you can move the money around. It's not a failure that your spending doesn't perfectly adhere to some arbitrary category number, it just means you got new information, circumstances changed, and therefore your spending plan needs to change with it.   Once you wrap your head around this way of thinking about money, of planning for the future rather than looking backwards and punishing yourself, then you can start loving the way you spend. Guilt free.     Watch The Jesse Mecham Show on Youtube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial   Tickets to YNAB Fan Fest 2025 are on sale now! Coming to Minneapolis and NYC: YNAB.com/events  

This week on the Journey to Launch Podcast, I'm excited to welcome back the often called “Godfather of Financial Independence”, JL Collins, author of the bestselling book The Simple Path to Wealth. In this episode, we dive into how to stay calm and confident in today's unpredictable market and why keeping it simple is still the most effective path to building real wealth. We also discuss the timeless power of index fund investing, how to approach investing at different stages of your journey, and why avoiding debt and living below your means are the most powerful tools for building financial freedom. In this episode you'll learn: The 3 core principles of The Simple Path to Wealth and why they haven't changed What to do (and not do) during market downturns and volatility How to approach financial advisors, and when they might actually hurt more than help What's new in the updated edition of The Simple Path to Wealth + much more! Check out the video to this episode on YouTube here. The next FIRE LIVE class is on May 22nd! Get the FIRE Calc tool and save your spot for the class here. A walkthrough of the tool is available here as well.  Other Links Mentioned in episode:  Check out JL's book, The Simple Path to Wealth here.  Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with JL Collins: Website Twitter:@JLCollinsNH Facebook:@JLCollinsNH Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

In today's episode Ben and Ernie talk with the man himself, Todd Curtis, long-time YNAB team member and CEO since 2021. Todd has been a YNAB'er going all the way back to the YNAB3 days, and served as a beta tester for an early Mac version of the software before officially joining the company in 2010. In his tenure at YNAB Todd has touched on just about every aspect of the business, from customer service to product development, and now leads the company and helps shape and focus the core values of spendfulness that YNAB stands for.   In this episode, Todd discusses his history with YNAB and how a fateful email to Jesse led to him getting a job. He talks about the evolution in philosophy from budgeting to planning, the five questions, and how some recently released features on the YNAB app aim to guide new users to plan their money without having to reference supporting materials. Todd also discusses the future vision of the company, and how he sees the app and the method evolving to better support YNAB's core mission to teach people to live more spendfully.   Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g   Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com   Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events

Judging from the difficulties many adults have managing their money, we don't do a great job collectively of teaching our kids about money. Jesse doesn't consider himself an expert on this, but he does have seven kids, and thus seven chances to instill good money habits in his own children. In today's episode he shares how he teaches his kids about money using the YNAB method, scaled down in language and concepts that younger children can understand.   At the end of the day, the goal for kids is the same as the goal for adults... Jesse wants them to love the way they spend, and imagine what money can do for them.     Watch The Jesse Mecham Show on Youtube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial   Tickets to YNAB Fan Fest 2025 are on sale now! Coming to Minneapolis and NYC: YNAB.com/events  

This week on the Journey to Launch Podcast, I am sharing a powerful conversation I had with Amina AlTai—holistic leadership coach, chronic illness advocate and author of The Ambition Trap: How to Stop Chasing and Start Living - to unpack the truths behind ambition, burnout, and redefining success. We explore the emotional and cultural roots of ambition, especially for historically excluded groups, and why the traditional definition of success is no longer serving us. This is a must-listen if you're under the pressure to "do more" while wondering if there's a better, more sustainable way to grow and thrive. In this episode, we discuss: The difference between painful ambition and purposeful ambition How core emotional wounds (rejection, betrayal, etc.) shape your drive and work habits Why ambition doesn't always have to be tied to work or productivity Navigating the ambition penalty in the workplace and reclaiming space Check out the video to this episode on YouTube here: youtube.com/journeytolaunch Other Links Mentioned in episode:  Check out Amina's book, The Ambition Trap: How to Stop Chasing and Start Living Get the FIRE Calc Tool and join us for the next live class here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Amina: Website: AminaAlTai.com Instagram: @AminaAlTai Facebook: @AminaAlTai Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Spendfulness is the new word around YNAB, but the concept goes back to the beginning of the company... and even before the company itself. In today's episode, Jesse recounts the very early days of YNAB, when the budgeting method was just a spreadsheet. Jesse realized that the spreadsheet was enforcing a set of behaviors, or "rules," around money and that those rules were the foundation of what is now referred to as the YNAB method. YNAB is more than a spreadsheet, and more than a software tool, it is a set of principles for managing money and, more importantly, learning about yourself. Knowing thyself is at the heart of spendfulness, and as it turns out, living spendfulness is what YNAB was about the whole time!   Watch The Jesse Mecham Show on Youtube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial   Tickets to YNAB Fan Fest 2025 are on sale now! Coming to Minneapolis and NYC: YNAB.com/events  

In this solo episode, I'm revisiting a blog post I wrote eight years ago—one where I boldly declared that I wanted to retire by 40. You'll hear me read the post out loud and reflect on what actually came true, what's changed since then, and the parts I didn't expect.  If you've ever thought about what your life could look like beyond the 9–5 or you're just starting to dream about a different path, remember that it's okay for your definition of success to evolve—and that you're never too late to start. In This Episode, I Share: The blog post I wrote when I first dreamed of retiring early and what I actually made happen—like quitting my job and turning Journey to Launch into a business How my view of retirement has shifted and what I didn't expect emotionally and mentally about entrepreneurship Why I've become more flexible with money and life goals over time How I used my FIRE Calculator to model my exit strategy—before I felt “fully ready” Other Links Mentioned in episode:  Read my early retirement goals blog post here: journeytolaunch.com/blog/my-early-retirement-goals Get the FIRE Calc Tool and join us for the next LIVE class here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Today Ben and Ernie are joined by long-time YNAB'er Heidi to discuss her challenges of managing money with ADHD, and how she has used the YNAB method to reclaim control over her money. As Heidi explains, ADHD is characterized by impulsiveness and inattentiveness, both of which took a heavy toll on her finances, especially during phases of her career where her income was variable. Heidi was an early adopter of YNAB -- starting with YNAB3! -- and quickly fell in love with the software and the concreteness of the YNAB method.   Heidi explains how the other approaches to personal finance she had discovered were focused on philosophy and abstraction, whereas YNAB was concrete from the start. The software is opinionated, and wants you to follow the "rules," which today have been boiled down to just one rule: give every dollar a job. The act of entering transactions, assigning money to categories, and moving money from category to category proved therapeutic for Heidi, and her daily habit of checking YNAB made her more in tune with her money and her long term plans for the money. Over time she noticed that her inattentiveness to money, which once lead to frequent overdrafts and bank fees, improved dramatically. She was also able to create a reserves category for the "ADHD tax," as she calls it, essentially giving herself a safety net in her budget to be impulsive with money without disrupting her future plans.   After many years with YNAB and a lifetime living with ADHD, Heidi has accumulated a lot of wisdom about managing money and learning to live spendfully. As she puts it, YNAB has allowed her to be a more interesting, dynamic person, by giving her the freedom to do the things she wants without being hamstrung by money problems.   Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g   Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com   Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events

Most couples would rather talk about their sex life with a friend than money! What would it look like if we both felt good about money? Today we talk about how to get started with dreaming together and how to discover how to create a shared vision and discussing what kind of money stories do you want to write together as a couple Jamie's 3 main take-aways: You and your spouse have to talk about money, understand where they're coming from, and their money scripts Your priorities will be different; find a way to get to a shared vision Whatever system you choose, shared goals and a shared vision are MOST important Spencer's main lessons: Discover how money can be a source of collaboration between you and your partner Connect with your partner and use the medium of money to do that Money doesn't have to be a source of stress or strain Other topics we discussed: Communication Dreaming conversations (visionary dreams, not costs at first) Be curious about why your spouse may have negative mindsets about money "I wonder what it would look like if we had a talk about money this week" Working each person's priorities into your budget with whatever system you choose Starting the meeting with appreciation for each other "A budget is a tactical solution to a psychological problem" - Ramit Sethi "A budget's not going to save you, but learning how to connect over money just might!" - Ramit Sethi  Housing, transportation, and food are often the 3 biggest areas military couples often overspend in Links: Money for Couples by Ramit Sethi The Money for Couples podcast Ramit's 10 Money Rules, episode 108 of our podcast Ramit flow chart @militarymoneymanual on instagram YNAB (military discount) Justin Peter's FI Minded podcast Money Scripts podcast episode #82 with Daniel Kopp For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Jesse has a long history experimenting with money. From rating every meal he and the family ate out, to "hyperbudgeting," to not budgeting at all... he's run an experiment almost every year for the last several years to see how his habits affect his financial planning. In today's episode Jesse recaps the experiments he's done, how they went (good and bad), and reminds us that personal finance is, well, personal.     Watch The Jesse Mecham Show on Youtube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial   Tickets to YNAB Fan Fest 2025 are on sale now! Coming to Minneapolis and NYC: YNAB.com/events  

In this solo Q&A episode, I answer your top questions around investing, financial independence, and managing money through the ups and downs of real life. From overcoming investing fears to navigating inconsistent income, I share personal insights and strategies that have helped me make progress on the path to financial freedom. You'll hear my thoughts on balancing debt payoff with investing, how to approach FIRE with an average income, and why mindset plays a bigger role than many realize. In this episode, I share: How you can start investing even when it feels overwhelming & one money habit that changed everything Thoughts on Coast FI and Barista FI for parents or part-time workers plus is FIRE in high-cost cities like NYC or LA possible?  Ways to calculate your FIRE number even when your future feels uncertain, and how to factor pensions and Social Security into your long-term plan. How to rewire limiting money beliefs from your upbringing and how to stay motivated when your progress feels slow Other Links Mentioned in episode:  Get the FIRE Calc Tool For Yourself Here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

If the world seems like it's on fire right now... it may be true. But then again, the world always seems like it's on fire, at least depending on who you ask. If you ask the news, it certainly is! Fortunately, the YNAB method -- giving every dollar a job and working through the 5 Questions -- can bring peace and calm to your finances.   Watch The Jesse Mecham Show on Youtube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial   Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC: YNAB.com/events  

In this special crossover episode, originally recorded for the Brown Ambition Podcast, Mandy Woodruff-Santos sits down with me and my sisters—Shaina McGregor and Imani Manning—for an honest conversation about our individual and shared journeys. We dive deep into our unique paths in entrepreneurship, wellness, and culinary arts. From Jamaica to New York and everywhere in between, this episode explores family dynamics, building dreams, overcoming self-doubt, redefining success on your own terms and so much more! In this episode, we share:  How sisterhood shaped our paths in entrepreneurship, wellness, and culinary arts Shayna's pivot from dance to wellness coaching and social work Imani's journey as a chef—feeding kids gourmet meals while growing her catering biz Real talk on money, mindset, imposter syndrome, and giving yourself grace along the way Other Links Mentioned in episode:  Check out the Brown Ambition Podcast here. Get the FIRE Calc Tool For Yourself Here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

On the surface, emergency funds sound like a very prudent idea. You set aside cash for unknowable, unforseeable events so that you aren't strapped when you really need it. We're not disagreeing with the idea, but an emergency fund is somewhat counter to the core principle of YNAB: giving every dollar a job. In an emergency fund, dollars are given a job, but it's a vague one.   Jesse likens it to a football coach yelling at his defense to "just stop the other team from scoring!" The coach is identifying the basic goal of the game, but there's nothing specific to help the players actually accomplish that task. A good coach instead instructs players what to do at an individual level, adjusting their positioning, technique, key reads etc. so that they can more effectively play their role on the team. The net result is the same -- stopping the other team from scoring -- but the results are far more effective.   The same is true with your dollars. While yes, we do want to set aside money for larger, less frequent expenses, the truth is many of these expenses are knowable, we just don't plan for them. New roof, new tires, plumbing repair, etc. Including these items into your plan and saving for them accomplishes what the emergency fund accomplishes, but with more clarity.   So, consider just deleting your emergency fund. Or at least make it smaller, and give those dollars more specific, effective jobs.     Watch The Jesse Mecham Show on Youtube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial   Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC: YNAB.com/events  

In this solo episode, I'm diving into a topic that's been on my mind lately—how to balance lifestyle goals with financial goals. Inspired by a recent girls trip and conversations about how much life has changed, I reflect on what it really means to live a fulfilling life while still being smart about money. I share some insights straight from my book Your Journey to Financial Freedom, including how to define your goals, prioritize them, and create a realistic plan that works for you. In this episode, I discuss:  The difference between life goals (like flexibility and travel) and financial goals (like retirement and savings) Why separating and labeling your goals helps you create a clearer plan My FI Formula and the five financial goal types: income, spending, saving, debt payoff, and investing How to do a goal dump, organize your goals, and figure out how long they'll take to reach The 5 Journeyer Stages and how they can guide how you approach spending vs. saving Other Links Mentioned in episode:  Get the FIRE Calc Tool For Yourself Here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

In this solo episode of the Journey to Launch Podcast, I break down how to navigate the financial turbulence caused by recent economic changes. Whether it's the unpredictable stock market, rising costs, or job insecurity, I'll walk through the 2 intangible and 4 tangible steps you can take today to protect and grow your money. You'll obtain actionable strategies that will help you feel more in control during uncertain times. Key Takeaways: Mindset & Habits: Slow down, don't panic. Regularly check in on your finances to stay grounded and make informed decisions rather than reacting emotionally. Income: Evaluate the stability of your industry and job. Consider upskilling or starting a side hustle to boost financial resilience. Expenses & Assets: Trim non-essential spending and pause major purchases. Prioritize building your emergency fund—even in small amounts—and keep cash accessible. Debt Management: Stay on top of your debts. Focus on minimum payments, avoid taking on new liabilities, and explore options to negotiate if needed. Other Links Mentioned in episode:  Get the FIRE Calc Tool For Yourself Here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

On this episode, Heather welcomes Boho Britt and Amber from Salty Locks Extensions and Studio 285. Heather believes that being close to your glam team is one of the most important things you can cultivate and these two sisters have truly become part of the family. They chat about a ChatGPT boyfriend, catchphrases and even quantum physics. They are two business baddies that will also be joining the crew on the Absolutely Knot.Episode Sponsors:Listeners of Absolutely Not can claim an exclusive three-month free trial, with no credit card required at www.YNAB.com/absolutelyAG1 is offering new subscribers a FREE $76 gift when you sign up. You'll get a Welcome Kit, a bottle of D3K2 AND 5 free travel packs in your first box. So make sure to check out DrinkAG1.com/absolutely to get this offerVisit JustThriveHealth.com and use code ABSOLUTELY for 20% off your first 90 day bottle.Head to http://primalkitchen.com/absolutelynotpodcast to save 20% off your next online order with code ABSOLUTELY at checkoutHead over to Addyi's website — Addyi.com — and see if Addyi is right for you.Save big during their Winter Savings event – Schedule your free consultation now at SonoBello.com/ABSOLUTELYProduced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.