Podcasts about you need a budget

Janet and Isaiah talk about their various attempts at making the best dual gamer setup for them, what worked, what didn't, and what their current setup is now (GAMES). Then they talk about how they use the app You Need A Budget (or “YNAB”) to better manage their money, pay off their debt, and save for the future (NOT GAMES).Poll of the Show:https://gamesandnotgames.com/pollTimestamps:00:00 Intro00:18 Catching Up05:26 Games / Our Dual Gamer Setup46:31 Not Games / How We Budget Our Money (with YNAB)01:42:43 Poll of the Show01:47:29 OutroSend your questions and topics to the email address Inbox@GamesAndNotGames.comFor more Games And Not Games:YouTube.com/@GamesAndNotGamesTwitch.tv/GamesAndNotGamesBlueSky: @GamesAndNotGames.comTikTok, Instagram, Threads: @GamesAndNotGamesTwitter/X: @GamesAndNotFollow the hosts:Janet: @gameonysus.bsky.socialIsaiah: @isaiahsmith.dev

Jennifer made the brave decision to go back to university to increase her income—but now she's living on one paycheck, has no savings, and is wondering how to make it all work. Erin tackles the hard financial truths about adult education, shares creative ways to avoid student debt, and reveals the often-missed opportunities that could save thousands. If you have dreamed of leveling up your career but you're worried about the price tag, don't miss this conversation. Join our community here: www.getthehelloutofdebt.com  Leave us a message at: https://www.speakpipe.com/erinskyekelly Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Click this link for You Need A Budget: https://youneedabudget.a4xxmk.net/g1dDNv Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

What if trauma didn't just break us but could also shape us in powerful ways? In this thought-provoking episode, Krista St-Germain and Gabe Howard dive into the complex world of post-traumatic growth — exploring how some people emerge from life's darkest moments with deeper purpose, stronger connections, and realigned values. This concept, however, isn't about being “grateful” for suffering. It's about rejecting toxic positivity, confronting internal conflicts, and embracing intentional choices. Discover how curiosity, authenticity, and self-reflection can guide you from surviving to thriving — without minimizing pain. If you've ever wondered whether growth after trauma is possible (or how it really works), this episode will change the way you think about resilience. “My husband died when I was 40. He was killed by a drunk driver. And that was the most awful thing I ever experienced, right? Bar none. I didn't want it to happen. I'm not grateful that it happened. I used to think that in order to experience post-traumatic growth, when I first learned about it, that would mean I would have to be happy that it happened, 100%, no! Right? No, not at all.” ~Krista St-Germain To learn more -- or read the transcript -- please visit the official episode page. Our guest, Krista St-Germain, is a Master Certified Life Coach, Post-Traumatic Growth and grief expert, widow, mom and host of The Widowed Mom Podcast. When her husband was killed by a drunk driver in 2016, Krista's life was completely and unexpectedly flipped upside down. After therapy helped her uncurl from the fetal position, Krista discovered Life Coaching, Post-Traumatic Growth and learned the tools she needed to move forward and create a future she could get excited about. Now she coaches and teaches other widows so they can love life again, too. Krista has been featured online and in print in Psychology Today, Medium, Thrive Global, Bustle, Psych Central, and Parents Magazine and on select podcasts such as The SelfWork Podcast, Seek The Joy, Life Check Yourself, and You Need A Budget to name a few. Our host, Gabe Howard, is an award-winning writer and speaker who lives with bipolar disorder. He is the author of the popular book, "Mental Illness is an Asshole and other Observations," available from Amazon; signed copies are also available directly from the author. Gabe makes his home in the suburbs of Columbus, Ohio. He lives with his supportive wife, Kendall, and a Miniature Schnauzer dog that he never wanted, but now can't imagine life without. To book Gabe for your next event or learn more about him, please visit gabehoward.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with Jesse Mecham, the Founder of You Need A Budget. We've spent the last 12-months or so sharing our own perspective on budgeting, specifically by building your own Honest Budget. During this episode, we get the perspective from the guy who created the most widely-used budgeting app on the planet! Click here to learn more about their YNAB Method! --- ⭐️ Join 425+ other podcast listeners inside of the ⁠Rich Habits Network!⁠ Livestreams answering your questions every week. ⁠https://www.skool.com/richhabitsnetwork/about⁠ --- ⭐️ Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: ⁠https://www.masterworks.art/richhabits ⁠ Purchase shares in great masterpieces from artists like Pablo Picasso, Banksy, Basquiat, and more. See important Masterworks disclosures: ⁠https://masterworks.com/cd⁠ ---

Welcome to the Personal Development Trailblazers Podcast! In this episode, we're diving into a topic that can transform your everyday living: aligning what you own with what truly brings you joy. Dr. Lindsey E. Hardegree (she/her) is a professional organizer, productivity consultant, and budget coach based in Atlanta, GA. She is trained and certified by Marie Kondo as Georgia's first Certified KonMari Consultant. She is also one of the first YNAB Certified Budgeting Coaches and is trained to coach people on using the transformative You Need A Budget method and software. At Get Organized Y'all®, Lindsey works with individuals, families, and companies to create their ideal life by organizing their spaces, systems, and finances. Lindsey is also an experienced nonprofit professional in Metro Atlanta and currently serves as the Executive Director of the Episcopal Community Foundation for Middle and North Georgia and recently completed her doctoral work at Emory University in Atlanta, GA. Prior to joining ECF, she served as the first Development Director for the Atlanta BeltLine Partnership and as Special Events & Board Manager for the Alliance Theatre. Lindsey has served as Principal for Tizzy Consulting, a consulting firm for nonprofits and small businesses, since its founding in 2009. Lindsey is committed to growing a strong nonprofit sector in Atlanta and has served in many leadership positions in the community. Lindsey holds master's degrees in both nonprofit management and theology; she recently completed her doctoral work at Emory University. When she's not busy working or volunteering, Lindsey enjoys reading voraciously, being a bit geeky (including Star Wars, Harry Potter, and The Sims), baking and cooking, drinking good coffee and bourbon, and experiencing the arts and culture community in Atlanta. Connect with Lindsey here: http://facebook.com/getorganizedyall http://instagram.com/getorganizedyall https://www.linkedin.com/company/getorganizedyall http://pinterest.com/getorganizedyall http://twitter.com/organizedyall https://getorganizedyall.com =================================== If you enjoyed this episode, remember to hit the like button and subscribe. Then share this episode with your friends. Thanks for watching the Personal Development Trailblazers Podcast. This podcast is part of the Digital Trailblazer family of podcasts. To learn more about Digital Trailblazer and what we do to help entrepreneurs, go to DigitalTrailblazer.com. Are you a coach, consultant, expert, or online course creator? Then we'd love to invite you to our FREE Facebook Group where you can learn the best strategies to land more high-ticket clients and customers.  Request to join here:  https://www.facebook.com/groups/profitablecoursecreators QUICK LINKS:  APPLY TO BE FEATURED: https://app.digitaltrailblazer.com/podcast-guest-application GET MORE CLIENTS: https://app.digitaltrailblazer.com/client-acquisition-accelerator-pdf DIGITAL TRAILBLAZER: https://digitaltrailblazer.com/ JOIN OUR FREE FACEBOOK GROUP: https://www.facebook.com/groups/profitablecoursecreators

TITLE: What's the Purpose of Your Money | YNAB Founder Jesse MechamDo you have trouble in your relationship with the money you earn?On today's episode of Potent, Steven is joined by personal finance expert and founder of YNAB, Jesse Mecham, to discuss the philosophy and principles of YNAB (You Need a Budget), an app designed to help users align their spending with their personal values and goals. Jesse shares his journey of using money intentionally and the benefits of giving every dollar a job and covers four key habits promoted by YNAB: assigning every dollar a job, embracing true expenses, rolling with the punches, and aging one's money. About Today's GuestJesse Mecham is a personal finance expert and founder of YNAB, an app with a simple set of habits to help people change the way they think about money. Jesse hosts the top-rated financial podcast You Need A Budget (8 million downloads), as well as the business owners' guide to managing cash flow, the Beginning Balance Podcast. He is the Wall Street Journal best-selling author of, You Need A Budget and is regularly quoted in the media as a money management expert – Forbes, New York Times, CNBC, and Business Insider have featured him – to name a few!Jesse started YNAB in 2004, and back then, it was just a lil' bitty spreadsheet that helped him (a self-proclaimed cash-strapped, newly married college student) cover the cost of his textbooks without going into debt. Nearly two decades later, The TODAY Show described YNAB as a “cult-favorite,” and the YNABverse continues to expand – amassing passionate fan communities on every corner of the internet (that combined are larger than the population of Charleston). Every day they share stories of demolishing debt, paying for cars in cash, or quadrupling their net worth. YNAB the company is home to a fast-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 the YNAB Method – four habits to help people spend, save and give without guilt or second-guessing –Jesse loves gardening, woodworking, marksmanship, and travel. He also spends a good bit of time with his wife and their seven children – yes, seven! To learn more, visit www.ynab.com. Show Notes0:00 Intro + Story and Philosophy of "You Need A Budget"04:59 YNAB's Four Habits14:06 First Steps to Giving Your Money A Job19:33 Scarcity Is Clarity26:53 Dealing with Debt: Pace and Prevention31:46 Taking Inventory, Making Decisions37:33 Rapid Fire Questions_The Potent Podcast is produced and edited by Justin Sinclair, who also composed the theme music. Additional editing support and mixing by Aaron Feeney.This podcast is brought to you by the Monk Manual. The monk manual is dedicated to providing best in class tools for helping you build a more potent life, and experience peaceful being and purposeful doing on a daily basis. If you'd like to be more intentional with your time and energy - please visit monkmanual.com

Navigating Stepfamily Life After Tragedy Strikes Today we are taking on a tough, but important, topic: picking yourself (and your stepfamily) back up after your worst nightmare comes to life. I'm talking to stepmom and grief expert Krista St-Germain, who moved through unthinkable tragedy to learn how to thrive again. She's got an inspiring outlook and some amazing insights for stepfamilies who may be dealing with grief. About Krista: Krista St-Germain is a Master Certified Life Coach, Post-Traumatic Growth and grief expert, widow, mom and host of The Widowed Mom Podcast. When her husband was killed by a drunk driver in 2016, Krista's life was completely and unexpectedly flipped upside down. After therapy helped her uncurl from the fetal position, Krista discovered Life Coaching, Post Traumatic Growth and learned the tools she needed to move forward and create a future she could get excited about. Now she coaches and teaches other widows so they can love life again, too. Krista has been featured online and in print in Psychology Today, Medium, Thrive Global, Bustle, Psych Central, and Parents Magazine and on select podcasts such as The SelfWork Podcast, Seek The Joy, Life Check Yourself, and You Need A Budget to name a few. You Can Find Krista: On Instagram: @lifecoachkrista On her website, coachingwithkrista.com/ Links Mentioned In Today's Episode Krista is generously offering a course on navigating grief to our listeners for FREE - You can access it right HERE.   Got a question for me or something you're struggling with in your stepfamily life? Submit a question to be answered on a future podcast episode HERE Want to go deeper into coparenting, dealing with your partner's ex, finding your own peace, and other blended family challenges? Join the Stepfamily Circle HERE Are you enjoying The Stepmom Diaries? If so, please consider rating and reviewing the show. It will help me reach more stepmoms just like you so they can get MORE out of stepmom life! It's super easy – all you have to do is click HERE and scroll to the bottom, tap to rate with five stars, and select “write a review.” Then just let me know what you like best! And the best part about leaving a review? If you send me a screenshot of your review, I'll send YOU my 20-minute Stepmom Self-Care Blueprint. For FREE. It's normally $49 and it's a great tool to quickly set up a self-care plan you'll actually use. Just head HERE to send me your screenshot and grab your blueprint!

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Welcome back to the Law School Toolbox podcast! In today's episode, we're discussing our top 10 things to consider when getting ready for your first year of law school. In this episode we discuss: Organizing your schedule and study routine What to read the summer before law school? Thinking ahead to exam time Managing your finances effectively Planning time with friends and family during your first year of law school Preparing the technology you'll need for studying And more! Resources: Start Law School Right! (https://lawschooltoolbox.com/start-law-school-right/) Podcast Episode 88: Self-Care Tips for Keeping Your Mojo in Law School (https://lawschooltoolbox.com/podcast-episode-88-self-care-tips-for-keeping-your-mojo-in-law-school/) Podcast Episode 104: Law School Essentials – What to Buy (And Not to Buy) Beforehand) (https://lawschooltoolbox.com/podcast-episode-104-law-school-essentials-what-to-buy-and-not-to-buy-beforehand/) Podcast Episode 158: What to Wear (And Not to Wear) (https://lawschooltoolbox.com/podcast-episode-158-what-to-wear-and-not-to-wear/) Podcast Episode 193: Books to Read Before Law School (https://lawschooltoolbox.com/podcast-episode-193-books-to-read-before-law-school/) Podcast Episode 208: Using Technology Effectively in Law School (https://lawschooltoolbox.com/podcast-episode-208-using-technology-effectively-in-law-school/) Podcast Episode 383: Talking About Money with Jesse Mecham, Founder of You Need A Budget (https://lawschooltoolbox.com/podcast-episode-383-talking-about-money-with-jesse-mecham-founder-of-you-need-a-budget/) Podcast Episode 436: Improving Executive Functioning Skills as a Law Student (https://lawschooltoolbox.com/podcast-episode-436-improving-executive-functioning-skills-as-a-law-student/) Podcast Episode 445: Best Practices for Getting Accommodations in Law School (https://lawschooltoolbox.com/podcast-episode-445-best-practices-for-getting-accommodations-in-law-school/) reMarkable (https://remarkable.com/) It's Time to Have That Talk with Your Family (https://lawschooltoolbox.com/its-time-to-have-that-talk-with-your-family/) How to Set a Law School Study Schedule (https://lawschooltoolbox.com/how-to-set-a-law-school-study-schedule/) Different Types of Law School Exams (https://lawschooltoolbox.com/law-school-exam-prep-101/different-types-of-law-school-exams/) Download the Transcript  (https://lawschooltoolbox.com/episode-454-top-10-tips-for-getting-ready-for-your-1l-year/) If you enjoy the podcast, we'd love a nice review and/or rating on Apple Podcasts (https://itunes.apple.com/us/podcast/law-school-toolbox-podcast/id1027603976) or your favorite listening app. And feel free to reach out to us directly. You can always reach us via the contact form on the Law School Toolbox website (http://lawschooltoolbox.com/contact). If you're concerned about the bar exam, check out our sister site, the Bar Exam Toolbox (http://barexamtoolbox.com/). You can also sign up for our weekly podcast newsletter (https://lawschooltoolbox.com/get-law-school-podcast-updates/) to make sure you never miss an episode! Thanks for listening! Alison & Lee

Welcome back to the Bar Exam Toolbox podcast! Today we are excited to speak with Jesse Mecham -- a personal finance expert and founder of You Need A Budget -- about ways to decrease spending and borrowing during bar prep and generally in life. In this episode, we discuss: How Jesse got into the field of budgeting and personal finance The YNAB "four-rule method" for managing money Thinking creatively when you're facing financial challenges and debt How to approach your community of family and friends for help Budgeting your finances with the future in mind Resources: Private Bar Exam Tutoring (https://barexamtoolbox.com/private-bar-exam-tutoring/) YNAB: You Need A Budget (https://www.ynab.com/) Podcast Episode 256: Quick Tips – Budgeting for the Bar Exam (https://barexamtoolbox.com/podcast-episode-256-quick-tips-budgeting-for-the-bar-exam/) How to Prepare for the Bar on a Budget (https://barexamtoolbox.com/how-to-prepare-for-the-bar-on-a-budget/) Why I Packed My Own Lunch for the Bar Exam (And Maybe You Should Too) (https://barexamtoolbox.com/why-i-packed-my-own-lunch-for-the-bar-exam-and-maybe-you-should-too/) Post Bar Trips on a Budget (https://barexamtoolbox.com/post-bar-trips-on-a-budget/) Download the Transcript (https://barexamtoolbox.com/episode-259-how-to-minimize-borrowing-for-the-bar-exam-w-jesse-mecham-from-ynab/) If you enjoy the podcast, we'd love a nice review and/or rating on Apple Podcasts (https://itunes.apple.com/us/podcast/bar-exam-toolbox-podcast-pass-bar-exam-less-stress/id1370651486) or your favorite listening app. And feel free to reach out to us directly. You can always reach us via the contact form on the Bar Exam Toolbox website (https://barexamtoolbox.com/contact-us/). Finally, if you don't want to miss anything, you can sign up for podcast updates (https://barexamtoolbox.com/get-bar-exam-toolbox-podcast-updates/)! Thanks for listening! Alison & Lee

017. You Need a Budget (YNAB) | Jesse Mecham is a recovering CPA that started a company called, "You Need A Budget" (aka YNAB) while in college. His company teaches people their unique Four-Rule Method that completely transforms how they view and manage their money. When people follow the YNAB Method, they break the paycheck to paycheck cycle, get out of debt, and save more money. *** For Show Notes, Key Points, Contact Info, & Resources Mentioned on this episode with Jesse Mecham, visit here. ***   Ready to part ways with your land in Georgia? Visit our Sell My Land Georgia webpage and discover a straightforward way to say goodbye to your property!

www.atravelpath.com https://delicioats.com/  https://delicioats.com?sca_ref=2606128.heLxZNHtFuUse Code “PATH” Welcome back Pathfinders! Today we have a great episode in store with Joe and Kalyn from Open Roading. Going Full Time Open Roading originally only planned on traveling for a year, but they soon fell in love with the lifestyle. Learn about how they were able to continue traveling and some of the obstacles they had to overcome that almost sent them back home. Workamping From python catching to gate guarding to a beet harvest, we discuss a ton of information about getting into workamping. We discuss the requirements to get into this industry as well as websites you can use to find jobs. And of course, I couldn't change the subject without asking them their favorite and least favorite workamping jobs! Budgeting If you are familiar with their Instagram or YouTube, you'll know that Open Roading are very detailed and open about their budget. We break down what a typical month looks like for them, and talk about some of the things they are spending most of their money on, like health insurance, fuel, and internet. Open Roading also shares their favorite budgeting app to make budgeting easier for them. The biggest takeaway I found here was that they meet with each other once a week to go over their budget. Most people will sit down on a monthly basis to go over this. You could almost hear the glass shatter as I came to the realization that if you only sit down once a month and are setting a monthly budget, it really doesn't do you any good… Routines We talk about the importance of having routines while traveling. Although it can be difficult because they are never in the same place for long, Open Roading provides us with some insight on some things you can do stay consistent. For example, you can always wake up early, schedule a meeting, and exercise or take the dog for a walk (weather permitting!) YouTube Open Roading has made three attempts with YouTube after getting burned out and pumping the brakes a few times. In their latest effort, they have been met with some pretty big success. We discuss what they have done differently this time around as well as some of the reasons they believe their channel didn't take off at first.   And much more!   Chapters ·        00:00 Introduction ·        04:30 What is Work Camping? ·        08:00 Gate Guarding ·        09:15 Work Camping Requirements ·        13:00 Favorite/Least Favorite Work Camping Jobs ·        16:00 Balancing Work Camping with Exploring ·        17:15 Biggest Challenges to Start Traveling ·        18:45 How Did You Know When You Were Ready to Hit the Road? ·        20:30 What Adjustments Did You Make to Continue Traveling? ·        23:30 Delicioats “PATH” ·        24:30 What Are Your Biggest Travel Frustrations? ·        26:15 What Are Your Most Helpful Travel Routines? ·        27:30 What Do You Love Most About Your Travel Lifestyle? ·        29:45 How Long Do You Plan on Continuing Full Time Travel For? ·        30:45 Budgeting ·        35:00 What Are Your Favorite Money Saving Travel Hacks? ·        39:30 What Is It Like Traveling with a Bunny & Dog? ·        42:00 What Has Been Your Coolest Travel Experience? ·        45:15 What Can You & Can't You Live Without? ·        48:15 What Tools Should Every RV Owner Have? ·        49:15 How Have You Been Successful Your 3rd Time Around with YouTube? ·        53:00 How to Start Planning ·        54:45 Influential YouTube Channels   Open Roading on Social ·        YouTube: https://www.youtube.com/@OpenRoading ·        Instagram: https://www.instagram.com/openroading   Videos From Open Roading ·        5 Years of RV Life Cost: https://www.youtube.com/watch?v=qVHSnw-1jI4 ·        Solar Setup: https://www.youtube.com/watch?v=5De9SPEddfc ·        Clouds Rest Hike: https://www.youtube.com/watch?v=CX0dv05Z6yA&t=683s ·        Gypsum Cave: https://www.youtube.com/watch?v=4ajkUK1Iarg&t=135s ·        How Much We Make on YouTube: https://www.youtube.com/watch?v=i5h49_LH4Ag   Work Camping ·        Kamper News: https://www.workamper.com/ ·        Workamping Jobs with Wages: https://www.facebook.com/groups/workampingjobswithwages/ ·        Workampers: https://www.facebook.com/groups/weloveworkamping/ ·        The UNBEETABLE Experience: https://www.theunbeetableexperience.com/ ·        Mackinac Mill Creek Campground: https://www.campmackinaw.com/   Budgeting ·        You Need a Budget: https://kalynbrooke.com/refer/YNAB   Camping/Boondocking ·        Harvest Host: https://www.harvesthosts.com/ ·        Boondockers Welcome: https://www.boondockerswelcome.com/   Internet ·        Starlink Roam Plan: https://www.starlink.com/roam   Favorite Experiences ·        The Presidential Chain Trail: https://www.alltrails.com/trail/us/new-hampshire/presidential-traverse-trail ·        Channel Islands National Park: https://www.nps.gov/chis/index.htm   What Can't You Live Without? ·        Portable Waste Tank ·        Solar Panels   What Have You Learned You Don't Need? ·        Extra Clothes   YouTube Channels ·        Less Junk More Journey: https://www.youtube.com/@LessJunkMoreJourney ·        Kara and Nate: https://www.youtube.com/@KaraandNate ·        Flying the Nest: https://www.youtube.com/@flyingthenest   Books ·        Alyssa Padgett RVing Across America: https://amzn.to/43bcV7B ·        (Commissions may be earned through purchases on this page)   Music ·        Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/abbynoise/rocky-mountains   Disclaimer *All content from atravelpath.com, including but not limited to The Travel Path Podcast and social media platforms, is designed to share general information. We are not experts and the information is not designed to serve as legal, financial, or tax advice. Always do your own research and due diligence before making a decision.   Transcript Host: Joe and Kalyn, welcome to a travel path podcast.   Guest: Thanks so much for having us on. Yes, it's so exciting to be here with you.   Host: Yeah, we're looking forward to getting to know you guys. Um, so we know you guys on Instagram as Open Roading. You guys turned a year-long road trip into just about five years full-time in your fifth wheel. You post content on your YouTube channel, everything from RV how-tos to work camping, and very detailed budgeting videos, which I'll tell our audience right now to make sure they pay close attention to once that part comes. Um, but no pressure on you guys. Um, and I know you're very hard to miss driving down the road with your fifth wheel and your setup with your motorcycle attached to the front of your truck, so clearly, anything is possible. Um, but yeah, why don't we start by having you share a little about yourselves and letting your audience know what your current travel lifestyle looks like.   Guest: Sure. So, we both grew up in Upstate New York. That's where we met, and then we ended up transitioning down to Florida, just love the Sunshine State, and that's when we started thinking about a potential travel lifestyle. She says "we," she means her; I was the one that started the conversation, like, "Hey, wouldn't this be cool?" And Joseph was still working at the time, so he was in the news industry as a videographer. And um, eventually, I was, you know, working on my online business. I had a blog that I was writing on different articles and starting to earn some money with that, and it got to the point where it was a full-time income, and Joseph could come home and work on it with me. And that was kind of the catalyst for like, okay, like, can I convince you now that we can get an RV? We don't, you know, have jobs that are tied outside our house. We can work from anywhere with a good cell phone connection. And so in 2019, that's when we started off. Yeah, and it was a whirlwind for that first year. We were traveling like every five days, and because we didn't have much black tank capacity, basically, we always had to dump and fill, so it was like every five days, why not move somewhere else? And we were trying to do the YouTube content all at the same time, and we really got burnt out over that first year. And then we tried again with YouTube a little while later, got burnt out again. So, our travel style now is a lot different than it used to be. Like now, we are trying to settle into a travel style where we only move every about two weeks, maybe 10 days if there's a reason. But two weeks is kind of what we're trying to get into, where we can kind of settle into a place, still do our work, you know, do a 30, 40-hour-a-week job from the RV, and then continue on.   Host: Very cool. I'm not sure if you noticed there was a thumbs-down sign that got sent. I don't know if that was you or me, but that we were not giving you a thumbs down. I don't know where that came from, but that was weird.   Guest: We have somebody watching, so weird.   Host: Yeah, well, great. So, every two weeks or so, that's the path we want to take on this next trip. Is it... it would be a lot more relaxing going at that pace as opposed to getting up and going every... I mean, we were going every like two days when we were traveling. But our next approach will be closer to a week, maybe two weeks if we're lucky. Um, but you guys do a lot of work camping. What is that? Or maybe not so much anymore 'cause you guys are done with that now. We'll get into that later on, but what is work camping?   Guest: We didn't actually start out work camping. We actually... because we were self-funded by my online business, and then Covid hit and the economy tanked, and we realized that our funding was not working and not as much anymore. And so that's where we started to look at how can we stay on the road as much as possible and also earn money with it. So, work camping is basically you work for someone else, like a campground, a state park, or even agricultural work with the beet harvest. And they are providing a place for you to stay for free, sometimes more. Resorts offer a discounted site. They don't exactly provide free housing. And then some jobs, you'll also get an hourly wage on top of the free housing. So, it's a really neat way to be able to still travel around the country, but yet you have these seasonal jobs and commitments throughout the year.   Host: And how are you finding these jobs?   Guest: Oh, this is all you. Yeah, there's a few different websites that I really, really like. So, one is Camper News, which is with a K, camper with a K, and sign up for their newsletter because they send out once-a-week emails organized by state, what kind of jobs are out there. And there is anything from, "We need help in the camp store for a campground in northern Michigan," to "Python control in the Everglades." So, you get a wide variety of opportunities through that. So, that's probably my favorite. And then, I would recommend two work camping Facebook groups, which is Work Camping Jobs with Wages and Work Campers. Both of those, people that are like management and owners of campgrounds or even farms that are wanting ranch hands, they are posting in there, like, "Hey, we'd love a camper to come for the summer or the winter season to work with us." And I think most of those, you can correct me if I'm wrong, are like resorts, campgrounds, ranch hands, stuff like that. Gate guarding isn't so much in that. You'd have to look specifically. We've been doing some gate guarding for the past three months. You kind of have to look for the gate guarding Facebook groups for those. And then the beet harvest is kind of its own animal. They have... it's a... if you just search the unbeetable experience M, um, that's a one-month-long work camping gig in several different locations across the northern US for sugar beet harvest. But look specifically for either of those, and you'll find those as well.   Host: And are you able to negotiate at all, or is there so much demand for it that on the work side, that you kind of... you're stuck with what they're giving you?   Guest: We never negotiated. We did with one, and we didn't get the job. So either we're really bad at negotiating, or... But I do think there is room, specifically in maybe the gate guarding, but it depends on demand at the time. So, in the summertime for gate guarding, we've been told it pays more because nobody wants to be down in Texas in the middle of the summer. But in the wintertime, there's a lot of people down there who are looking for jobs, and so actually, the pay goes down. And you can easily have a job if you're not taking what they offer, but you can still be picky about the jobs that you take. Like, you don't work for a specific company and have to go to each rig. It's they'll call you and say, "Hey, we have this gate available for you. Would you like it?" And you can say yes or no based on your criteria. And if people aren't familiar with what gate guarding is... Basically, it depends on the job that you have, but it's usually for the energy industry, the electric companies, or oil patch drilling sites. And you're basically just like checking people in and out, making sure that only the right people are there to work and keep the people out that are not supposed to be there. And our recent gate guarding job that we just finished was actually just security for an electric company, just watching their equipment, so we didn't have to check anyone in and out for that one.   Host: Very cool to get started with work camping. Are there any general requirements or certifications you need just to get started, or does that all depend on the job category?   Guest: It really depends on the job category, but I think the number one thing is a self-contained RV, one that has its own water tanks and waste tanks. We saw many, many work camping jobs that were just like "no tents," a lot of times no vans, no truck campers, unless maybe you could prove that it was completely self-contained. So, I would say that's the big one. Other than that, you just kind of look at each individual job. Yeah, and for gate guarding specifically, you actually do need a Level II security course for Texas at least.nYeah, for Texas, you need to take that, you need to take a drug test and screening. There's a security application so there's a little bit more involved with that one.   Host: Okay, and then for the python control, you just can't be afraid of snakes, right?   Guest: Yeah, um, crazy.   Host: So, it sounds like... I was going to ask, does the work camping dictate where you travel, or the other way around? But it sounds like you're finding out where these jobs are and then you're heading in that direction.   Guest: Yeah, that's what we try to do, I guess. At least like, what area do we want to explore and be in and would be satisfied to be stationary for six months.   Host: Is that the typical time frame, six months?   Guest: It depends a lot on what the job is, like if it's a seasonal campground, they're going to want you for the entire season. So, like, your Florida campgrounds are going to want you for the entire winter and up in Michigan, they wanted you from April through September or October. So, we specifically wanted to go to Michigan because we wanted to spend the summer near Mackinac Island and then that was close to the Beet Harvest. So, we just kind of did our planning ahead. We're like, well, we know we can get a job at the Beet Harvest because we did that the year before. So, we went from there to North Dakota and then for our goal that you talked about earlier, like, we were like, well, to make the most money to save would be gate guarding so we knew we'd need to head to different locations. Like, the agricultural jobs like with the Beet Harvest, that all depends on the harvest, the length of time, like how good is the weather for you to be able to go harvest. So, it typically takes two to three weeks for the Beet Harvest. There's more volunteer positions with state parks and national park services that usually require like a one to two month commitment at a time. And then the gate guarding, I mean they ask for a 30-day commitment and our first job was done after 12 days and then the next job lasted like 83 days so that's more of a wide range there. So, you just never know.   Host: I feel like we're talking a lot about work camping, but I'm interested in it. It sounds... I hadn't really heard much about it. So, about six months roughly? I mean, it depends a lot on what the job is, but how soon before you start working are you looking and applying for those jobs?   Guest: That's a good question. A lot of it depends on the season, to be honest. If you're applying for a winter job in Florida, Texas, Arizona at one of the resorts, not so much the gate guarding, but those resort-style RV park jobs generally a year in advance, you want to start looking. It doesn't mean you might not be able to get one a couple weeks before, you know, because somebody didn't come or somebody had committed and just backed out. But about a year before for those, for the summer jobs, a month before, there you'll still see places hiring, again, depending on the location. If it's a very in-demand location, they're going to have their stuff down right earlier, but cool, good enough.   Host: What have been your favorite and least favorite jobs?   Guest: That's a really tough one. So, I did the majority of the work camping because I was trying to bring in a second income while Kalyn was working on turning her business around. It's tough because my favorite job was the one at the campground in Michigan, but that one also was just something that it was like meeting our monthly expenses, you know, it was just kind of there to help supplement. It wasn't helping us put money aside for our future goals. So, when we finished the work camping job in Michigan, we kind of felt like we were still at the same place we were when we started that job, as opposed to like making progress financially. So, I really got to work with people, got to have front-facing customer service type stuff which I really enjoy. So, it was my favorite, but if I'm trying to save money for something then I would go with the gate guarding just because it's the easiest way, you're not having any expenditures really, you're just sitting there and making money, almost printing money in our second gate guarding job. But the first gate guarding job, I think, was our least favorite. I actually worked that one because it was a 24/7. So, we're there at the rig, we cannot leave together, we, it's like a constant, no time off. He's either sleeping or working, I'm either sleeping or working, and it just, even though it only lasted 12 days, was so exhausting. And it wasn't a busy gate. There are oil rigs we were checking in between 40 and 60 cars a day. There are rigs called fracking rigs where they have like over 100 cars or 150 cars coming in and out a day that you're checking in and out. So, we had an easy gate and we were exhausted after 12 days.   Host: Yeah, no, it sounds like it's a great opportunity, like you said, you were working full time, Kalyn, and then once your online business slowed down a little bit, you picked up this gig and it sounds like it's great for someone either starting out without that income or in your situation, you had to make that adjustment. And even if you have, it's even better if you have somebody who is working full time and then you have someone else like a spouse or a partner who is doing the work camping and you're getting a free site so your housing is basically free and you have that other source of income.   Guest: I did want to chime in there, are probably the majority of work camping positions look for couples. It doesn't mean the singles aren't out there because we're a prime example of that, like almost all our positions were singles, but Beat Harvest prefers couples over singles. A lot of the campgrounds prefer couples just because it's an RV site that they're providing and they want to have two people working from it. But don't let that deter you if you're a hardworking individual from applying anyway and saying, "Hey, I'm a super hardworking individual. I'm willing to work X number of hours a week and you can find a job."   Host: Were you able to have a good balance of kind of work and play when you're doing that? Like, in other words, would you work at this place for however long you were assigned that location then would you take some time off in between and explore? Or how did you balance your work and your travel lifestyle?   Guest: Yeah, that's what we did with the work camping. I felt like with the Michigan campground, it was a very nice balance of working and then being able to explore the area. When it came to like Beet Harvest and gate guarding, it was more you're just exploring in between driving to and from actual job locations. So, like when Beet Harvest was in North Dakota and the gate guarding, which was the next job was in Texas, so we kind of stopped on a couple places on the way down and then it was heads-down work again until gate guarding was done.   Host: You touched on it a little bit and I do want to dial this back to where this thing started because point of this podcast is we're helping people who want to reach their travel goals. They haven't quite gotten there yet, but they're listening to this because they want to get to traveling and reach their travel goals. So, you were starting out, you had this dream to go traveling, you were working on your blog, and you were, you ultimately had a full-time income that could support your travel lifestyle. So that's how you were funding your travels, yes. But what were some of the biggest challenges you faced in getting on the road?   Guest: This is kind of an interesting one. I feel like it was telling people that we were changing our lifestyle. It's a big hurdle to be able to go to people that you had commitments to and be like, "You know, we're selling our house, we're leaving the area, we're going to be traveling full time." And then it's even a little bit tougher too when you say, "We're doing it for like a year and then we'll see what happens." And now we're almost, you know, five years in and we're still not done. So, it's definitely having that conversation with people because they don't always understand like why can't you just do one to two vacations a year like normal people, you know, and have a house, an actual house. So that was probably the most challenging part. And then I would say on the road, staying on the road, something that I wish we had known before going on is that especially when you work for yourself, your income can really ebb and flow. And have a game plan, have multiple streams of income, you know, if you're getting on the road because you've spent years building a savings for a specific number of months, what are you going to do after that to fund? Just kind of like having a future game plan in mind of how you're going to be able to maintain staying on the road. It's like getting on the road is one thing but then being able to stay traveling is another.   Host: How did you know you were ready? Was it just a matter of how much you were making with your business? Did you have a number in mind and you said, "We're ready"? Or how did you know when it was time to hit the road?   Guest: I think when the right RV popped up. Yeah, we had a list of things that needed to happen, and one by one, they just started happening. We had a property in New York that we didn't think would sell because of the economy in New York, and it had been on the market for a long time, and it sold. Then we had an RV. We wanted to get an RV, but we had a specific list of, like, it needs to be this, it needs to be in our price range, which was not super high, and it popped up. The couple that was selling it was like, we told them we can't buy it until we sell our house, and they're like, "Oh, yeah, no problem." You know, and they actually sent us the deed in Florida before we even paid them a dime, so that we could get it registered. And it was just a super awesome couple, and like, everything just started falling into place. I'm like, "Oh, now's the time." And it solidifies that you're making the right decision, too.   Host: Sure. And once that house sells, you don't have much of a choice.   Guest: Yeah, now that doesn't mean we didn't have like nights of like tears or like, did we do the right thing, or freak out or anything like that. We totally went through all of that the first couple of months of travel, just like as we were getting used to everything.   Host: Well, I'm glad you say that because I've had those exact same thoughts, too, so it makes me feel better. Did you have to make any adjustments? So your original plan was to do a one-year-long road trip. You decided to extend it, obviously. Were there any adjustments you had to make to extend that and to keep going?   Guest: We had to, um, because we wanted to, like, Boondock more, I would say. We invested in... This is going to be like TMI, but, like, a portable black tank so that we could go longer because that was one of the things, like we had mentioned before, we were traveling, we thought this was going to only be one year, so that's where we're traveling every, like, four to five days. Um, and then we realized we wanted to slow down, we wanted this to be a lifestyle, and so we started buying things that would help us stay in places longer. Um, so things like that, yeah, the portable black tank, a macerator pump, a, uh, we have water storage that we have in the back of the RV, those are the only things that we really, we did buy a generator too, yeah, we bought a small generator, we have a, we have, we call it a minimal solar setup. It keeps us going, but it's not anywhere near what like some of these people have where the whole roof is covered in solar panels. Um, but the other transition I would say happened longer than a year, and that actually had to do with the work camping and everything, where we realized over the past year that if we want to keep doing this, we need to bring in another income stream. And so that has come down to, uh, YouTube and treating it as a full-time job to get that second income stream in so that we don't end up off the road because we literally did almost end up off the road uh, this last year.   Host: Yeah, yeah, keeps it exciting.   Guest: Oh, yeah. When, so when your back's against the wall like you try to do everything, yeah, now you got to find a way.   Host: You'd mentioned you like the water jugs. You, you, it seems like when we watch your videos, you have a couple of almost unique and original ideas. Like the one I'm thinking of is you have that it's almost like a 2x4 and a string of like 5-gallon water drums in the back of your truck for extra water. Do you think of that yourselves or where do you come up with these ideas?   Guest: That some people transport water with a like a 60-gallon water bladder. Some people transport water with a like a 60-gallon water bladder, to bring it from point A to point B. My problem with that is I can't, um, I can't functionally keep a 60-gallon water bladder full in the back of the pickup while on a travel day. Like, I want to have the RV full of water, and then I want to have extra storage. And so that's why we went with those, uh, with those, uh, six-gallon jugs in the back. And the 2x4 between it is literally when those jugs are empty and we haul the RV, they blow right out, like without the RV, they stay there fine. But when the RV is there, some wind suction comes in and just sucks them right out, uh, so the 2x4 is literally just to keep them from flying away.   Host: Did you learn that the hard way?   Guest: Yes, yes, on a, on a, like, 10-degree day. And so when The Jug hit the pavement, it shattered basically, yeah.   Host: Oh, man. Oh, it was full.   Guest: No. No, it was, it was empty, but it was, it was just so brittle. Brittle plastic and 60 miles an hour, just broken into a few pieces.   Host: Hey, guys, I wanted to take a quick break to tell you about Delicia oats. We've been enjoying Delicia oats for many years, and they have helped fuel us for those extra long hikes. They are flavored oats that come in a pouch and are very easy to set up. Just add water, give it a shake, and let it sit overnight and enjoy the next morning. Or you can add boiling water if you like them served hot. We've also added them to our morning smoothie, or I'll sprinkle some into my yogurt for some extra flavor and to help fill me up. You can make them in less than a minute, and there is no cleanup, which is huge for us on the road. Now, if you're like me, the first question you'll ask is how much added sugar is there? And here's a big one for me: no added sugar. They come in a variety of flavors. My personal favorite is Cherry Chocolate. Enjoy them for yourself by placing an order at Delicia oats.com and use the coupon code PATH at checkout. That's Delicia oats.com, D-L-I-C-I-O-A-T-S.com, and use the coupon code PATH.   Host: Well, on that note, we'll fast forward a little bit, talking about your past. We'll fast forward to kind of the future and leading up to where you are now. What have been some of the biggest frustrations you faced and currently face while traveling?   Guest: I would say our current struggle is balancing the work and the play side of things because, like, we've got sort of three types of days. We've got work days, we've got travel days, which will take a lot out of you, and then you have adventure days and exploring days. And so trying to make sure that, okay, we need to get in like five to six good work days that doesn't leave... that leaves room for maybe one travel day a week or, you know, one adventure day a week. Kind of have to choose, so it's not... I used to go into a location saying we have a list of like 10 to 12 things that we have to hit, and that's not enjoyable because we're so stressed trying to make time for it all. And now it's like I have a list of 10 to 12 things, but it's like we've prioritized them now, okay, these are the top three, and if we have time, we'll go to the next one on the list. And that's made a little bit easier. And this is somewhat Creator-focused but also being able to have an adventure day that isn't for YouTube. So getting to a location being like, okay, we want to put this in a YouTube video, this particular hike or whatever it is, but then we also want to go on a hike together where we don't have the stress of also trying to create content. That was something we failed on our first attempt to, maybe second attempt at YouTube, is we were just trying to film everything, which was just adding extra stress because we weren't actually having a day to ourselves.   Host: Yeah, I know, Kalyn, you have your business. It's you're helping women with planning, scheduling, and routines throughout their day, so clearly, I would assume like routines are your forte. Have you discovered any routines that have helped you specifically with travel?   Guest: Yeah, and we're also like implementing routines now that we're done gate guarding and work camping in general and we're on the same schedule because we were just on opposite shifts for so long. But the key to staying on the same page has been weekly meetings. As we plan our week, we go through okay, where are we traveling this week? What are our adventure days this week? What are our deadlines for work stuff this week? And making sure that we're on the same page, that everything's getting done. And then like a quick five-minute meeting in the morning. But I would say morning routines too have been really good for us. Just getting up at the same time, taking our dog Trinity for a walk or going running, and having breakfast, and then getting to work and just kind of having that stability because on the road, you don't have a lot of that all the time. You know, things are changing. We don't have a laundry day because it really depends when we can get to town, you know, to do laundry. So there's not those routines, but we try to establish structure, sure, where we can.   Host: So you put the routines in where you can control. You can't control where you are or what's around you, but you can control when you wake up, you can control those meetings wherever they are, um, and just that gives you more structure throughout your day. That's great. Um, what do you guys love most about your travel lifestyle?   Guest: I love the fact that we have a different backyard every couple of weeks. So we are very active people. When we're in our best element, we like going on hikes and exploring places. And when you're in the same place for years at a time, you run out of hiking trails, at least within a short distance. So the fact that we get to a new place, it's like, okay, now everything behind us is new, even just taking the dog for a walk. It's going to be a completely new area that we're exploring, even before going on a hike. And I think the other thing is just like getting to get a broader perspective on the country as a whole. And someday, maybe the world if we ever do any world travel. But just being able to see like, oh, this is where your food comes from, to sound super simple, like I grew up in the country so I was aware of some of that. But like you go to different states and see how different people live, and it just gives a broader perspective on how our country works and how people work and how people can work together.   Host: Same thing, Kalyn?   Guest: Yes. Sorry. Sorry. I was like, he's taking that question. If he wasn't going to mention the broader perspective, I was going to chime in with that one. But yeah, even things that we knew nothing about, like, su... Yeah, we had no idea there were sugar beets that people literally were eating sugar from sugar beets. So that's like a whole thing that you learn, the oil industry, you know, all the workers that come together and the things they do on the oil patch. So it's... It's... you really get to see like the American work ethic.   Host: Yeah, that, and I think going back to work camping, that's... that gives you those experiences at a deeper level. Like, yeah, you're in these areas, you can see things kind of from a distance, but when you're actually working those jobs, doing the gate guarding and doing the beet harvest, gives you even more of an appreciation for those things. That's great. You had mentioned world travels in your future, so how long do you plan on continuing this travel lifestyle for?   Guest: It's unknown. It's unknown. As long as we are capable of, and Kalyn and, you know, things align, eventually, we'll probably transition into more like 80% travel and 20% at some sort of home base that we can come back to, especially if we start adding international trips, um, just to have a place where you have the same doctor's appointments and dentists and, and can come back and kind of recover before you go out again. So that's what we see happening in our future. I think no matter what it looks like, travel will always be a part of our lifestyle.   Host: Yeah, that's great. We'll transition, we'll switch to budgeting tips, and I'll just remind our audience you're going to want to bring your pen and paper for this section here because you guys post on your YouTube and your Instagram, you guys are very thorough. You have not only monthly expenses but you break it down what you're spending money on, you have how much you're making with YouTube with work camping, your whole Alaska budget. We'll dig into. So breaking it down, stripping it down to kind of a monthly or weekly budget, what does that look like?   Guest: Well, obviously, it's going to be different for everyone, but for us personally, for someone who tries to be really budget conscious, doesn't have like a truck payment or an RV payment, and also tries to do as many free activities as possible, we spend about $3,500 to $4,000 a month. And that includes everything. It includes health insurance, vehicle insurance. I think sometimes when people say, like, well, you know, this is what you can find that you'll typically spend in the RV lifestyle, they're not necessarily including everything that maybe $3,500 to $4,000 roughly.   Host: And keep in mind, everyone, that's without the RV, that's without the truck payment either.   Guest: Which we don't... we don't have any payments on those.   Host: Yes, that's outside of that. So if you were going to finance just... you want to factor that into was that budget a little bit tighter when you started out? Have you been able to loosen that up since you've... own your business?   Guest: It's actually a little bit tighter now because... I mean, everyone's feeling the effects of inflation and we recently did a... um... five years of RV life costs and at the beginning of RV life, we were spending probably around $350 for groceries, which was just food. And now we're struggling to come in under 500 a month for the two of us. So it's not like we've changed our practices, I think it's just that inflation coming through.   Host: Yeah, yeah. Do you have any budget apps or tools that have helped you track your expenses?   Guest: We highly, highly recommend You Need A Budget. Um, it is an annual fee, I think it's like last I paid was like $106. So it is a little pricey, but it takes... it connects all your credit cards and bank accounts, import the transactions automatically, very easy to reconcile and categorize things. And I think it's why we've been able to stay on top of all those numbers because we know exactly like where they're being attributed, um, so that would... I absolutely love that app and maybe they'll sponsor us in the future. We'd be totally game for that. I just love that you keep saying we track, we track this, we... I'm the one hiccup in the budgeting process. She does it. It takes her like 15 minutes every Friday to check in, do everything, and probably 10 of those 15 minutes are locating receipts that I've misplaced.   Host: Yeah, I don't miss the days of scanning receipts and to get the copy online, and yeah, that's just painful. So, I was going to ask, my next question was how much time, so you're spending about 15 minutes a week, so about an hour a month, sounds like you've come up with a system where doing it per week is more efficient than just holding everything for the end of the month.   Guest: Yeah, and because you can check, because you check in more often, you can pivot quicker, you know, if you see something like, "Oh, you know, our eating out spending is getting a little out of control," and we're halfway through the month, we know to rain it in and eat more at home. So, the more check-ins you can have, I think, I mean if you want a check-in daily, if you feel like that gives you peace of mind, do it daily, but we found like, I've found that Weekly a good Cadence.   Host: That is a good point yeah checking in once a week because if you set a weekly or a monthly budget of you know 300 bucks for going out to eat but you only touch touch base every month then it's kind of pointless so actually doing that per week and then yeah that's a good tip right there yeah awesome um what has been some of the best travel hacks you've come across that have helped you save money?   Guest: Boondocking one 1,00% boondocking we have so you can Boondock people Boondock with generators I don't recommend it but you can get a solar setup for your RV uh and it doesn't have to be the $50,000 solar setup like we set up our solar system I installed it myself so I did save myself some money there but for $6,000 we didn't have to use a generator our whole first couple years um we if we ever got close to the batteries running low which was rare we would get a campground for a night plug in get everything back up but but um but now we even have just a I think it's like a $800 or even less $300 generator that we can just use to charge us up if we have a couple cloudy days in a row but for that $66,000 we have 700 Watts almost 700 watts of solar and three 100 amp hour batteries um an inverter converter Char inverter charger converter something um does everything clearly he's an expert yes clearly and uh but it has run flawless for the 5 years that that we've been rving and you don't need all the fancy smancy now we also don't have uh some power sucking things like we don't have electronic uh stoves like it's a gas stove and and things like that and we also don't have a giant TV uh if you have a giant TV and that's a necessity then you might need more battery I don't know how much they take and we have the typical RV gas gas electric fridge that we just r on gas for we boondocking nice and I'm sure there's a video on there we'll Link in the show notes that you guys posted and you said $50,000 that's how much those things cost be50 Grand think that's a little I've seen I've seen I've seen at least $25,000 solar setups that people have like when their whole roof is covered in solar panels and they've got 12 batteries underneath like as a general rule when we started rving as a general rule 100 amp hours of battery was $1,000 that has gone down depending on the brand of battery you get um but yeah you can you can get expensive in a hurry with a solar setup.   Host: Sounds like it yeah um and you did it for six grand setting up yourself the um so you talked about boondocking are you boondocking because obviously that replaces your camping expense how often are you boondocking when you're when you reference that $3,500 to $4,000 monthly?   Guest: Um budget most of the time yeah it's we we Boondock unless we absolutely cannot it is obviously harder when you're closer to cities or East Coast or on the East Coast we will like stay probably an hour and a half sometimes two hours outside of where we want to go just so we can Boondock because it's it saves more money to even pay the gas to get there in back than it is in the campground fees that are usually near CI so we do that and there's also um Harvest host and boondockers welcome that you can take advantage of as well um so staying in people's driveways and sometimes it's fun to like just meet new people and and get to know others on the road so that's an option too.   Host: Wow so that's almost 4,000 you're spending a month and that's really not including um housing or or finding a place to stay so your biggest expense is probably fuel groceries and you said your health insurance?   Guest:Yep yep health insurance I was when we have starlink turned on for internet then our internet sell bill is expensive um because starlink itself is is $150 a month but we've opted for the ram plan so you can turn it off um like every month you can decide whether you want to keep it going or turn it off and so if we're on the East Coast where we have Verizon sell signal and T-Mobile sell signal then we'll turn it off and save that money there well when we have all three running that's going to be about 300 a month to 4 just for just for Internet yep.   Host: Wow yeah like I said very thorough thank you guys for sharing so much detail on everything that's that should give everyone a really good idea of how much this lifestyle can cost um so you guys travel with Trinity your dog and Cody your bunny what's it like traveling with two pets like that and do you want to share how you came across Trinity or rather how Trinity found you?   Guest: Yeah, that's, yeah, CU, she was at an oil pad for our first gate guarding job, and as people were showing us the ropes, we're like, "Is this your dog? Whose dog is it?" And they're like, "Nope, it just kind of hangs around here." And we got to know some of the workers, and they're like, "Yeah, she's been hanging around here for a few months," and she just seemed to get really attached to us. So we provided her water, um, she slept in our chair, she slept in our outdoor chair, and started providing her some food. But the problem is, we were like, we have a rabbit, and dogs and rabbits don't necessarily get along, so that's one of the things where really, really, really worried about if we kept her. And we weren't looking for a dog. Um, we've always had rabbits since we've been married. So we actually ended up, like, outside the shelter, and we couldn't go through with it. We just couldn't drop her off because we obviously didn't want her to stay there on the oil pad trying to get scraps from trucks and sleeping by Slo pipe and like we wanted to get her a good home. Um, and yeah, we couldn't go through with the shelter, and so like, well, we'll give it a shot. And we just slowly introduced them. And now it's to the place where we don't completely 100% trust her alone with the rabbit, like we put barriers in place, doors pens just just to make sure. But that's not based on her, that's just based on better part of wisdom, knowing that instinct is a thing. She's never done anything like Cody literally will jump off the couch onto her sleeping, yeah, and she'll jump up, you know, like what happened, but there's not like anger or growl or anything. So, and so it's nice that they are able to to live together and it also makes travel days a lot easier too because like Trinity can lay on the back seat of the truck and Cody's kind of in the in the back of the truck on the bottom on the floor um, and he can hop around and they're totally fine. So, it worked out really well and we love her and she's a great addition of the family.   Host: That's funny, unlikely companions.   Guest: Yes.   Host: I feel like if if if we brought our dog into a camper with a rabbit that place would get flipped upside down faster than we could even imagine.   Guest: I think that would happen if a cat strolled into the camper she's not a cat fan.   Host: What has been your coolest travel experience so far?   Guest: H, we have two, can we have two?   Host: Yep.   Guest: I would, you want to do yours? Sure. So, we did, uh, was this two years ago, yeah, we did did close to your neck of the woods actually we did the presidential chain Trail in New Hampshire in the White Mountains. It's about a 21 22 mile hike and we set off at 5 6 in the morning and we had high hopes that we were going to be done by Sundown uh, we finished at about 4:30 the following morning um, Kalyn injured her knee about halfway through uh, we got up to the summit of Mount Washington and there actually is a tourist area there in roads and and we considered like do we jump off and it was at that we try to hit your ride back ride and Kalyn was at that point she's like no we I'm gonna do this I'm never gonna try this again we're gonna do it so she hoofed another 11 miles um through the dark for most of that and then we we got back and when we got down to the bottom her mom actually texted her and she's like oh I'm so glad you're back it looks like it's about to rain and we had the motorcycle and so we're like well we got to book it to our Campground so we booked it there and just the feeling of accomplishment I actually got back to the RV and just kind of like crashed and it was like at first it was like we will never do anything like that ever again and then after you kind of got over the exhaustion you're just like the feeling of doing something really hard um because we like Seven Summits yeah and we weren't expecting it to take that long we weren't expecting you know so we had a lot of roadblocks along the way but to come off the other side and just be like wow we accomplished something really hard was was huge. Yeah, and I would say mine is um at Channel Islands National Park which is off the coast of California I didn't even know existed it existed until like a couple years ago and you have to take a boat out to it and there is absolutely no cell service at all no like real buildings nothing um and so we tent came camped out there overnight and there's also a really cute little island fox that like run they run around there they're only native to that Island um and we'll get into your tent if you leave the door open so you have to be careful about that but you have on one side of the island these massive Cliffs with the Pacific Ocean beneath on the other side there's you know Rocky beaches you can see seals swimming it was just a really really neat experience in a national park that like I said we had not heard of and then for it to you know become like one of our favorites and a day and a half was not enough time.   Host: It leaves you with more more to do I was going to add that's the worst possible time to get hurt on a hike is when you're halfway done you're halfway it's not like three quarters or a quarter the way you're halfway so you're going the entire length back you guys you guys are Troopers and you finish it up that's awesome good job yeah after spending just about five years traveling has there been something you've learned besides Internet that you can't live without?   Guest: We can live without the portable waste but we can't really... I feel like we can't live without the solar panels. Yes, that would probably be my answer, just because of the sheer amount of boondocking that we do. That would... We don't want to listen to generator noise, so the solar panels allow us to be able to have a peaceful time in the middle of where...   Host: Yeah, very cool. So, you mentioned the portable black tank, so you're still using the same RV you started out with, I take?   Guest: Yes, oh yeah, yeah, it's a 2005 JCO Designer. We remodeled the inside; we're in the process of updating some of the outside decals and whatnot, but yeah, it's... it's a beast, it's sturdy. We don't... I'm not going to say we're never gonna buy a new RV, but a lot of times when I see people with new RVs and their suspensions breaking and stuff like that are break, I'm just like, you know, this 2005 RV is looking better every day, very solid.   Host: Yeah, they don't build them like they used to. Um, contrary to...   Guest: I hate it that you can say that about 2005, like when somebody says that it's supposed to be like 1950 something.   Host: I know, it's crazy. Like my truck's 2013 and it's like, it's... it's over 10 years old.   Guest: Yeah, yeah, yeah, you look at it, it's like you look, it's, you think it's like 5 years old. But yeah, 2005, it's what, 19 years old? Yeah, yeah, in 20 years I think is called vintage. Yeah, our RV is one year from vintage.   Host: Yeah, we had a 2002, we were going to, like, redo it and just make it vintage, where 20... it was, it was rough looking, so we just said it's vintage, yeah, exactly. Has there been something you've learned that you don't need while traveling?   Guest: There's... I would say we brought more clothes than we thought we had needed, especially like fancier clothes, and we just didn't end up wearing them. I like... we're not fancy people, no. So I, like, those, I think we ended up just giving all to Goodwill. I think maybe I kept one dress in case of something. But yeah, I don't know why you packed those. And if you have like sports equipment that it's like, "Oh, this is something I will do once a year." Like, I'm not a golfer, but I had some golf clubs, and I was like, "There's no point in having these if I'm going to use them once. I can rent clubs somewhere, you know?" Um, now we have paddleboards, but we use those more than once a year. Like, we just are very intentional about the sports equipment we have with us.   Host: It's a good rule of thumb: if you're not going to use it more than once a year, you can just rent it when you get to that destination. What tools should every RV owner have?   Guest: Oh, that's a... I hate this question because I'm not a tool person and I need to be. Um, but the one I'm using the most all the time is... is my drill. And like, I have a drill and a cordless drill. Like, those come in handy so often. I've got... I've got some drawers I need to fix and the idea of trying to do those with a like a hand screwdriver... I know it's like the most basic tool you can say, but if you don't have that in your toolbox, I think you should start with that.   Host: Sure. I was going to say WD40. I feel like you're using that in like every other...   Guest: I do use that a lot, on everything. Maybe that's the thing you can't live without.   Host: A few more questions before we wrap this thing up and I can't believe we're already at at 50 minutes. I do want to get into this YouTube thing a little bit because for someone who's looking to get into traveling full-time and getting into documenting and vlogging and creating content, um, you had posted on your YouTube channel that this was your third attempt. You had tried twice, didn't pan out, and this time you've been met with some pretty good success. Um, what's been different this time?   Guest: There's a lot of things. We are now like almost five years in, so our first year when we were trying to document and learn RV life, like, it was too much, too much new at one time and traveling so fast that we burned out quickly. Now we've slowed that down. The other thing was style. We wanted to make content around the locations we were going to and taking people along because we thought they'd just be interested in the hike because it was a hike. And we've learned that we are going to be primarily in the entertainment space and so we need to be more of a vlog style. And so that's what's completely different this third time around is it's much more doing projects around the RV, running errands, taking people with us to go grocery shopping and doing laundry and seeing what real life on the road looks like in addition to the locations. But we're very intentional about keeping those segments short and snappy. I feel like, yeah, we definitely have a lot more in terms of editing of like cutting and and making things shorter so that we can storytelling the shortest amount of time possible. I think a good example of that is if you look at our video about Cloud's rest uh, in yosity, yeah, I got that park right you look at that it's it's one video about one hike and it's about eight minutes long or so and then compare that to our video about uh, what's the thumbnail say it's New Normal I don't remember decision big decision and we explored some jips some capes and that and the whole video is about 20 our dog is snoring I'm sorry it's about 20 minutes it's about 20 minutes long and we have a cave exploring segment that is about two to three minutes long of that whole video and we still want to we still want to take people along for the journey through those things but we have realized that the attention span for those types of things it is much less so just keep things moving.   Host: Yeah, no, those are great points. Thank you for sharing that. And, as you touched on earlier, it sounds like with the editing taking longer, but you're also allocating time where you're not filming, so that kind of keeps you from being burnt out, right? So before it was go, go, go, but now you're actually taking the time to relax. It's not as hectic as it was.   Guest: Yeah, and I think being very selective about what we're filming. Like, a vlog is going to have, I don't know, three to five different segments of different locations and us maybe doing things, whereas we don't have to film the whole beginning to end of a hike anymore. So, you know, we're going on a hike tomorrow and we're just going to take a few B-roll clips, mention it in our next video, you know, show maybe talk about it for like 15, 20 seconds, and that's it. So, it does allow us to enjoy the locations more, because we know now that's not necessarily what people, at least for our audience, want to watch a whole video on. They would rather watch us do dishes. Do dishes and travel in the truck, get propane, and all that RV life real-life stuff.   Host: Nice. And I would ask, how much you're making with YouTube, but instead, I will say, check the video out in the description, we'll link that video you posted on how much you're making so people can go check it out. If someone's listening to this podcast and they want to get started traveling but just aren't quite there yet, what is one thing they could start doing today to get them there?   Guest: It sounds stupid, but planning, and specifically, if finances are a thing, if it's, you're going to retire and you're going to travel, then just start planning what type of RV and things like that you want to get. But otherwise, it's start making your financial plan for it. Is your financial plan YouTube? Well, if it's YouTube, then you need to build up savings so that you have a runway until YouTube starts earning you money, or you need to have a work camping job plan. And if that's the case, you need to find work camping jobs that leave you enough time to also create content. And so just start getting those things down on paper so that it's not just an idea of "Oh, I want to travel sometime," it becomes more concrete of "Okay, this is the plan that I'm going to tackle." Yeah, and I would say something that we had heard from other people that we actually followed was to not go super big. Like, when you're moving from a house into an RV, you think, "I've got to get like the 40-footer because I'm not going to have a lot of space," and we went with a 33-foot, and it felt... It's the perfect length for us. And I think that's another reason why we've stuck with the RV, the same RV for five years. See, it's not uncommon for someone to switch out an RV every couple of years, and they generally go smaller. They're getting a big fifth wheel, and then they're going to maybe a Class C, and then they're maybe doing a truck camper for weekend trips. So really trying to match your style of travel with an RV and making sure that you don't necessarily need all that space.   Host: You mentioned a few channels that influenced you. What were those channels? Any other like books or other influences that helped you?   Guest: Less Junk More Journey was the first one, and it was when I came to Joseph and I was like, "Hey, watch these people. They are a normal family like doing this." And we kept watching their videos, every single new episode that would come out, and it just kept inspiring us and convincing you to jump into full-time RV life. So we're really inspired when we see channels who are doing really creative things just to kind of see how that would inspire us in our own channel. So we really like Kara and Nate with their style that they do, and then also Flying The Nest. I think it's Flying The Nest. They are a family that travels the world, and their editing is really good. I was just going to say, to put a finger on what we mean by inspiring, we are ruined for YouTube now because when we watch YouTube, we're like, "Oh, that's how they're editing," or "Oh, that's how they're doing that." And Flying The Nest is one specifically that we were watching, and I looked at Kalyn and I'm like, "We're three minutes in, and they're on their like sixth background song. Like, they're not playing a background song for more than 30 seconds." And I said to her, "There's no way I'm doing that in our channel. That's just ridiculous." And we kept watching, and now we do that. But this wasn't before we were RV life, but I think Melissa Padet from Heath and Alyssa, she wrote a book. Now I can't remember the title of it, but working in all 50 states on, like, their journey through all 50 states, which was just so inspiring. And also with us work camping, kind of I don't know, felt like in a similar vein, like we're trying all these different jobs in different states. So I recommend them as well.   Host: Nice, perfect. And we'll link all those resources below in the show notes. And one last question for part two, travel tips. You guys are coming back. Where are we talking about for that?   Guest: We are going up to Northern Michigan and back in time to Mackinac Island. Awesome, everyone stay tuned. Joe and Kin, thanks again.   Host: Thank you so much for having us.

Krista St-Germain shares her journey with grief following the death of her husband by a drunken driver. She explains how the commonly referenced five stages of grief are inadequate – if not outright inaccurate – for many people's experiences. She discusses alternative grief theories, such as the dual process model, and introduces the concepts of “grief plateau” and “grief fog,” highlighting the complexity and uniqueness of each person's experience of grief. In her work as a grief expert, Krista advocates for a more individualized approach to grief, emphasizing the process of integration and post-traumatic growth rather than just “moving on” or reaching acceptance. She is a master certified life coach, a post-traumatic growth and grief expert, widow, mom, and the host of “The Widowed Mom Podcast.” To learn more -- or read the transcript -- please visit the episode page. Our guest, Krista St-Germain, is a Master Certified Life Coach, Post-Traumatic Growth and grief expert, widow, mom and host of The Widowed Mom Podcast. When her husband was killed by a drunk driver in 2016, Krista's life was completely and unexpectedly flipped upside down. After therapy helped her uncurl from the fetal position, Krista discovered Life Coaching, Post Traumatic Growth and learned the tools she needed to move forward and create a future she could get excited about. Now she coaches and teaches other widows so they can love life again, too. Krista has been featured online and in print in Psychology Today, Medium, Thrive Global, Bustle, Psych Central, and Parents Magazine and on select podcasts such as The SelfWork Podcast, Seek The Joy, Life Check Yourself, and You Need A Budget to name a few.  Our host, Gabe Howard, is an award-winning writer and speaker who lives with bipolar disorder. He is the author of the popular book, "Mental Illness is an Asshole and other Observations," available from Amazon; signed copies are also available directly from the author. Gabe makes his home in the suburbs of Columbus, Ohio. He lives with his supportive wife, Kendall, and a Miniature Schnauzer dog that he never wanted, but now can't imagine life without. To book Gabe for your next event or learn more about him, please visit gabehoward.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this eye-opening episode of Hustle and Flowchart, Joe Fier is joined by marketing strategist and online course expert Billy Broas. Together, they delve deep into the nuanced world of marketing methodologies, the subtleties of effective messaging, and the secrets behind crafting offers that resonate with customers. With his background in homebrewing courses, Billy shares his journey to success, discussing the pivotal lessons about customer research, empathy, and communication that drove him to reorient his business approach. This episode is a goldmine for entrepreneurs and marketers alike, revealing tips on connection, crafting compelling offers, and employing a human-centric approach to business. Throughout this episode, Billy Broas imparts practical advice and strategies for entrepreneurs looking to refine their marketing and messaging. He explains how understanding the customer journey intimately can lead to more significant breakthroughs in how we sell and position our offerings. By the end of this discussion, listeners will walk away with actionable frameworks and a refreshed perspective on how to make their marketing messages more compelling and their offers irresistible. Transition Into Customer-Driven Business Billy recounts how his original focus on beer brewing courses led to a customer-driven business model when he noticed the value of customer research. He emphasizes the importance of listening to customers to understand their genuine desires, such as creating a unique and personal product. Importance of Customer-Oriented Messaging The conversation highlights how the right messaging, like the headline "Brew a beer you can call your own," catalyzed success for Homebrew Academy. Billy discusses tailoring messages to customer's emotions and sentiments for greater connection and conversion. The Power of Subtle Shifts in Messaging Joe and Billy discuss how subtle changes in promises, as showcased by Ramit Sethi's course on actionable achievements, can significantly attract potential customers by making offerings more relatable and attainable. Selling the Promise vs. Selling the Process Billy elucidates the concept of shifting focus from the end promise to the journey of how that promise is delivered. He shares insights on how making this transition in messaging can lead to a better understanding and higher conversion rates among prospective customers. Utilizing the 5 Lightbulbs Framework Broas breaks down his approach to marketing through his 5 Lightbulbs framework, explaining each step of the customer's decision-making process. This allows businesses to tailor their marketing efforts more strategically. Analyzing and Crafting the Offer Billy and Joe discuss the components that make a compelling offer, like pricing, guarantees, and bonuses. They also explore how the software company You Need A Budget used this methodology to highlight their features effectively. Conclusion By examining the intersection of marketing strategy, customer research, copywriting, and messaging, this episode with Billy Broas provides listeners with a comprehensive understanding of creating marketing messages that truly resonate. Remember, the goal is not just to sell a product, but to connect with your customers and provide them with solutions that make sense for their needs and aspirations. Whether you're just starting out or looking to refine your marketing approach, Billy's insight into the art of messaging will surely offer some valuable takeaways for your next campaign. Two Other Episodes You Should Check Out StoryBrands: Frameworks to Make Marketing Simple with Dr. J.J. Peterson Creating Curiosity Gaps To Capture Audience Attention with Phill Agnew Resources From Episode Accelerate growth with HubSpot's Sales Hub Check out other podcasts on the HubSpot Podcast Network Grab a 30-Day Trial of Kartra Connect with Billy on LinkedIn and X (Twitter) Check out what Billy's doing at The Five Lightbulbs Subscribe to Billy's Newsletter here Contact Joe: joe@hustleandflowchart.com Thanks for tuning into this episode of the Hustle & Flowchart Podcast!   If the information in these conversations and interviews have helped you in your business journey, please head over to iTunes (or wherever you listen), subscribe to the show, and leave me an honest review.   Your reviews and feedback will not only help me continue to deliver great, helpful content, but it will also help me reach even more amazing entrepreneurs just like you!

In this MI Rewind Episode, Robert Leonard chats with Jesse Mecham to talk about how abiding by simple budgeting can set you up for success in the future. Jesse founded You Need A Budget (YNAB) in 2004 while he was still in college. YNAB has grown into a leading software and proven method that helps its users get out of debt and have more control over their money. IN THIS EPISODE YOU'LL LEARN: 00:00 - Intro 01:43 - How the idea of You Need A Budget came to be.  02:50 - If you need to raise capital to start a business. 04:31 - What is the Four-Rule Method of budgeting, and why it works? 17:30 - How can you roll with the punches when it comes to budgeting? 20:04 - Why budgeting is crucial to being a successful investor. 22:11 - What does it mean to age your money? And much, much more! BOOKS AND RESOURCES Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Kyle and the other community members. Check out You Need A Budget. JL Collin's book The Simple Path to Wealth. Thomas Stanley and William Danko's book The Millionaire Next Door. Ramit Sethi's book I Will Teach You To Be Rich. Erin Lowry's book Broke Millennial. Check out the books mentioned in the podcast here. NEW TO THE SHOW? Check out our Millennial Investing Starter Packs. Browse through all our episodes (complete with transcripts) here. Try Kyle's favorite tool for picking stock winners and managing our portfolios: TIP Finance. Enjoy exclusive perks from our favorite Apps and Services. Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets. Learn how to better start, manage, and grow your business with the best business podcasts. SPONSORS Support our free podcast by supporting our sponsors: NetSuite Fundrise Masterclass HelloFresh Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey team!This week I'm talking with, Jesse Mecham, the founder of the hit budgeting software, You Need A Budget - or as it's more commonly abbreviated YNAB - now I understand, that the term, “hit budgeting software” does come off as a little strange, but it is honestly something that has quite the cult following. And I know that the idea of budgeting can seem a bit overwhelming so don't worry we get into that. Also while the software is called You Need A Budget, that isn't quite the focus of what's going on. And while this software wasn't designed for people with ADHD, the underlying tenents have really resonated with a lot of ADHDers.In our conversation today, Jesse and I discuss YNAB's four key habits for money management, including giving money "jobs", planning for future expenses, building flexibility, and aging money to create financial breathing room. We also talk specifically about how these methods can aid those with ADHD by promoting intentionality and creating helpful friction in spending and saving.Support me on PatreonFeel free to ask me a question on my Contact PageFind the full show note at HackingYourADHD.com/162This Episode's Top Tips Give every dollar a "job" - Assign your money to different spending categories and priorities when budgeting.Plan for irregular and future expenses - Don't just budget for fixed monthly bills. Save for things like car repairs. We need to be flexible with our budgeting to allow for when things come up.Add friction before purchases - Don't save card info in browsers. Figure out where the money is going to be coming from before purchasing to make spending more thoughtful.

What does money mean to you? What does it mean to your spouse? Differences in money attitudes are usually at the root of all financial conflict in marriage. Needless to say, it's pretty important to get on the same page.  In this episode of Couch Time, we are taking a deep dive into how to have the money conversation with your spouse and create a plan for managing your finances as a team.  Topics covered in this episode include:4: 48 - What does money mean to you? Here are the four common money meanings19:40 - How do you even have the money conversation? Here are some guidelines21:42 - Watch out for these four marriage killers in communication38:25 - Ready to get your money in order and get a system in place? Here's how to do it45:09 - These are the three areas of money management that you and your partner must agree on Don't let money put a strain on your relationship! Tune in to learn some strategies and tips to get on the same page.  Show notes available at http://amywine.com/episode92 Resources Mentioned:Reserve your spot for Thrive Life TV: https://thrivelifetv.com/?utm_source=wordpress&utm_medium=show-notes&utm_term=&utm_content=&utm_campaign=couch-time Check out You Need A Budget: https://www.ynab.com/I would love to connect on Facebook: http://facebook.com/amywineco and Instagram: https://www.instagram.com/amywineco!

Go to Zocdoc.com/tfc and download the Zocdoc app to sign-up for FREE and book a top-rated doctor.   Thanks, Quility! Learn more at quility.com/tfc   Chelsea talks with Michela Allocca, author of Own Your Money, about building good money habits, saving six figures, and using apps like You Need A Budget. ***** MORE FROM TFD Join our membership program, The Society at TFD on Patreon to get exclusive ad-free bonus content + access to tons of other perks like our members-only book club: https://www.patreon.com/FinancialDiet The Financial Diet site: http://www.thefinancialdiet.com Facebook: https://www.facebook.com/thefinancialdiet Twitter: https://twitter.com/TFDiet Instagram: https://www.instagram.com/thefinancialdiet/?hl=en

Leter du etter et budsjettsystem som gir deg full oversikt overøkonomien? YNAB kan være svaret, og jeg har YouNeedABudget-entusiastMariell Løken på besøk for å gi oss en innføring i en litt annen måte åtenke budsjett på. Gir du hver krone du tjener en jobb for eksempel?Annonsør/Rabattkode HelloFresh: FRESHPENGEYNAB på Youtube: https://www.youtube.com/@YNABofficialYNAB på nett:https://www.ynab.com/Mariell på Instagram: https://www.instagram.com/mariell.loken/Motta nyhetsbrev fra Pengesnakk: https://www.pengesnakk.no/bli-med

As Bri Gerzevske prepared to leave The Lutheran Ladies' Lounge after nearly four years as a cohost, she took a little stroll down memory lane, revisiting and recording new intros for five of her all-time favorite episodes.   It's Bri's Greatest Hits — #4. Financial Peace University Radio Theatre  In this August 2022 episode, Bri and the Ladies explore fiscal responsibility and ways to spend wisely during tight financial times through five brief comedy sketches inspired by Dave Ramsey's popular Financial Peace University program. While Financial Peace has great merit to bring people out of debt, Bri takes this opportunity to poke fun at its lack of sound theology, Dave Ramsey's Baby Steps “that sometimes have adult feet,” and the ridiculous lengths one might go to for their financial goals.  In the end, though, Bri reminds the Ladies that our financial status doesn't determine our salvation.  Find Dave Ramsey's Financial Peace University from Ramsey Solutions and explore his Seven Baby Steps. And if you need a budget, check out You Need A Budget.  New to Bri's Radio Theatre? Listen to past episodes here.  Connect with the Lutheran Ladies on social media in The Lutheran Ladies' Lounge Facebook discussion group (facebook.com/groups/LutheranLadiesLounge) and on Instagram @lutheranladieslounge. Follow Sarah (@hymnnerd), Rachel (@rachbomberger), and Erin (@erinaltered) on Instagram! Sign up for the Lutheran Ladies' Lounge monthly e-newsletter here, and email the Ladies at lutheranladies@kfuo.org.

In this episode, I shared my preferred method of organizing money using multiple accounts.  Let's discuss the importance of having separate accounts for different purposes, starting with small amounts. This is based on my own experience of having money saved up for unexpected expenses, in which I recommend setting up multiple bank accounts. Yes, that's correct! Seventeen bank accounts for various business and personal uses—tips on allocating funds, paying taxes, and ensuring proper financial management. That is why I created a PDF download that you can get from my website so you can set it as an example for yourself. Just go to https://www.keithkalfas.com/budget. In addition, the free live virtual event on July 26th focuses on mastering business profitability. Attendees will gain important financial insights and receive a free PDF download with key takeaways. Register for free:https://www.keithkalfas.com/events If you want to transform your financial situation and learn the money system that changed your life, tune in to this episode!  “Every time you have money coming in through payroll, you want to take a percentage of that money and save it. It could be 10% of all the money that comes in.”  - Keith Kalfas Topic Highlights:  4:09 - The importance of having a business checking account.         - Three main accounts, business, savings, and payroll.         - Personal checking, personal and business checking.         - Hire a payroll company to process the payroll.         - Payment bi-weekly to save money. 9:54 - How to save money for the winter?        - Open a winter savings account.        - The following is an emergency savings account like a rainy day fund. 16:49 - Some of these accounts might be empty if you don't make much money yet.           - The trick is to find out a tiny percentage of money. 21:00 - What are the other accounts you can utilize?           - The good faith fund account for giving back.           - A joint checking account with your wife/husband.           - Open up multiple bank accounts and label them.           - Get a sketchpad or a notepad and figure out what works for you. Key Takeaways: Putting 30% of gross profit into business savings account for taxes. Regular allocation of money into different accounts to ensure proper payment of taxes. Importance of having separate accounts for different purposes. Start with small amounts and gradually increase savings in each account. Setting up multiple bank accounts for business and personal use, including a Good Faith Fund for giving back. Connect with Keith Instagram: https://www.instagram.com/keithkalfas/  Facebook: https://www.facebook.com/thelandscapingemployeetrap  Website: https://www.keithkalfas.com/resources  Youtube: https://www.youtube.com/@keith-kalfas   Resources/People Mentioned: Mastering Profitability in Lawn Care. Free virtual event. Register at https://www.keithkalfas.com/events. Free downloadable BUDGET PDF: https://www.keithkalfas.com/budget Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine Kindle Edition by Mike Michalowicz:  https://www.amazon.com/Profit-First-Transform-Cash-Eating-Money-Making-ebook/dp/B01HCGYTH4.

ANNOUNCEMENT: WTB is transitioning to a monthly on purpose schedule! And even based on THAT new schedule, this episode is 2 weeks late. Hope you didn't miss us too much! Thanks so much to Producer Ian (a.k.a. Et Cetera) for joining us this week! Hannah and Ian heard a cryptid or a fox. Hannah is on a very different side of tiktok than all of her co-hosts. Erin secs a book rec from one of our Sam listeners! Erin would love to recommend to us all a great budgeting app! Everybody else (and also Erin) would LOVE to talk all about Tears of the Kingdom for the entire rest of the episode. Side topics include music recommendations and a Russian coup. HOMEWORK: Check out You Need a Budget (YNAB) Play Tears of the Kingdom Read Tomorrow and Tomorrow and Tomorrow by Gabrielle Zevin (shoutout to Sam for the recc) Don't go into the woods if you see or hear anything weird Watch the Muna Tiny Desk Concert Listen to Stick Season (We'll All Be Here Forever) by Noah Kahan Listen to Delusional by Dev Lemmons Pay attention to the Russian coup if you'd like CALL US OR TEXT US AND TELL US YOUR OBSESSION! 774-326-0420 Follow @Hanthropology, and @TooBroadPod on Twitter @Hannahandhercats on tiktok Erin's Lesbian Lending Library: lesbianlendinglibrary.com Watch Ben on twitch.tv/discogreg  Watch Erin on twitch.tv/ernbrnog Follow WayTooBroad on IG and Tiktok Email us at waytoobroad@gmail.com www.waytoobroad.com or waytoobod.com or nameyourselfjame.com or nameyourselfjameeagan.com or jameeagan.com for anything you want www.ernben.com for anything you need Visit Maxfun.org for cute dog on a boat DOWNLOAD FRIENDS OF THE CHAOS' MUSIC! THEY WROTE OUR THEME SONG! https://friendsofthechaos.bandcamp.com/track/way-too-broad Please leave us a rating/review on Apple Podcasts or wherever you're listening!

Clay Finck chats with Jesse Mecham all about budget, whether budgets are for everyone or not, looking at an investor's overall financial situation when assessing their strategy, and much more!Jesse is the founder of You Need A Budget or YNAB, and is also a personal finance expert and business leader. He is deeply passionate about teaching individuals, families, and business owners YNAB's four rules to help them gain total control of their money, which Jesse will be covering for us a little bit later.IN THIS EPISODE, YOU'LL LEARN:00:00 - Intro02:34 - What led Jesse to start his business in 2004 while he was still in college?06:13 - The story on when Jesse knew it was time to quit his full-time accounting career to go all in on his business.14:59 - What is, and what is not a budget?27:34 - YNAB's four money rules.43:39 - What Jesse's personal portfolio looks like.46:33 - What some of Jesse's favorite books are.And much, much more!*Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.BOOKS AND RESOURCESCheck out You Need a Budget.Check out YNAB's YouTube channel.Books mentioned in the episode: Traction, High Output Management, The Hard Thing about Hard Things, Your Money or Your Life, The Richest Man in Babylon, Antifragile, & Four Thousand Weeks.Related Episode: Listen to MI080: To Be A Successful Investor, You Need A Budget w/ Jesse Mecham, or watch the video.NEW TO THE SHOW?Check out our Millennial Investing Starter Packs.Browse through all our episodes (complete with transcripts) here.Try Robert's favorite tool for picking stock winners and managing our portfolios: TIP Finance.Enjoy exclusive perks from our favorite Apps and Services.Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets.Learn how to better start, manage, and grow your business with the best business podcasts.P.S The Investor's Podcast Network is excited to launch a subreddit devoted to our fans in discussing financial markets, stock picks, questions for our hosts, and much more! Join our subreddit r/TheInvestorsPodcast today!SPONSORSGet a FREE audiobook from Audible.Instead of trying to time the market or pick single stocks, automate your investments and invest in a variety of companies with Betterment.Apply for the Employee Retention Credit easily, no matter how busy you are, with Innovation Refunds.Partner with a specialized agency focused on making insurance as easy as possible for real estate investors. Take advantage of monthly reporting, monthly billing, and coverage for all phases of occupancy with National Real Estate Insurance Group.Support our free podcast by supporting our sponsors.Connect with Jesse: Website | Twitter | Instagram Connect with Clay: TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today, I bring you my conversation with Sarah Schweisthal, the personal finance expert behind the popular TikTok account @YouNeedABudget, about her journey to drastically reduce her family's monthly grocery bill. With a starting point of $1,200, Sarah experimented with various strategies such as reducing food waste, cooking with ingredients on hand, and shopping at affordable stores like Aldi. Through trial and error, she was able to lower their grocery bill to just $400 per month. Sarah shares her top tips and insights on how you too can save money on your grocery bill without sacrificing nutrition or taste. Listen along for tips learn how to shop smarter and reduce your monthly expenses.-------------------------------Links Discussed in This EpisodeOrder a Copy of Minimalist Moms: Living and Parenting with SimplicityPodcast: Budget NerdsDiane's Resource: Easy No Bake Protein BallsConnect with Sarah:Website: https://www.ynab.com/InstagramShow Notes for EP274: From $1200 to $400...Enjoy this Podcast?Post a review and share it! If you enjoyed tuning into this podcast, then do not hesitate to write a review. You can also share this with your fellow mothers so that they can be inspired to think more and do with less. Order (or review) my recent book, Minimalist Moms: Living & Parenting With SimplicityQuestions? You can contact me through my website, find me on Instagram, or like The Minimalist Moms Page on Facebook.Thanks for listening! For more updates and episodes, visit the website. You may also tune in on Apple Podcasts, Spotify, Google Podcasts, or Stitcher.Checkout the Minimalist Moms Podcast storefront for recommendations from Diane.If you enjoyed today's episode of the Minimalist Moms Podcast, then hit subscribe and share it with your friends!Episode Sponsors |The Minimalist Moms Podcast would not be possible without the support of weekly sponsors. Choosing brands that I believe in is important to me. I only want to recommend brands that I believe may help you in your daily life. As always, never feel pressured into buying anything. Remember: if you don't need it, it's not a good deal!North American Herb and Spice | Use code: MinimalistMoms for 25% off and Try North American Herb and Spice today. Experience the power of nature's most potent healers! Support this podcast at — https://redcircle.com/minimalist-moms-podcast2093/exclusive-contentAdvertising Inquiries: https://redcircle.com/brands

You Need A Budget! Yes, a Perfume budget! Do you have a dream perfume that seems pricey? Do you know you can still get that perfume with proper planning? join me as we talk about it wholesomely. You can reach out via mail: theperfumeconnosieur@gmail.com

Squee! Janine and Shannon have exciting news to share: We've both completed a training program to earn the certification YNAB Certified Budgeting Coaches. We're very excited to coach people so they can benefit from this unique budgeting methodology and software as we have. This week we talk all about why we love YNAB (You Need a Budget). Discussion topics include: • We've finished our certification program and are now YNAB Certified Budgeting Coaches • We learned so much! • What's YNAB? It's You Need A Budget, a methodology and software for budgeting. We love it. • How the training program gave us a deeper knowledge of both the methodology and software • How YNAB's Rule Three: Roll with the Punches appeals to the "good enough" in us! • The baked-in expectation that you will change things in your YNAB budget • A key component of YNAB: You budget only money that you have • The similarities between YNAB and an envelope system of spending • A major YNAB goal: Get out of the paycheck-to-paycheck cycle • The peace of mind YNAB has given Janine while she and her husband plan the financial implications of his retirement • How YNAB is helpful for people with lower and higher incomes (and everyone in between) • How YNAB is useful for both getting out of debt and saving money • The two-person virtual YNAB retreat that Shannon and Janine are planning • The joy of having a new focus • Shannon's 20th anniversary as a life coach! • Our plan to talk about YNAB monthly in this podcast • The freedom of having clarity around your finances Visit the show notes at www.gettingtogoodenough.com for links!

Welcome back to the Law School Toolbox podcast! Today we're excited to have the founder of You Need A Budget, Jesse Mecham, on the podcast to talk about all things money. In this episode we discuss: How Jesse got into the field of budgeting and personal finance The YNAB "four-rule method" for managing money  How to minimize the amount of debt you have Should you have shared finances if you're in a relationship? The one expense that can make a huge difference for most people Budgeting your finances with the future in mind Resources: YNAB.com (https://www.ynab.com/) You Need A Budget podcast (https://podcasts.apple.com/us/podcast/you-need-a-budget-ynab/id477248343) You Need A Budget – TikTok (https://www.tiktok.com/tag/ynabcommunity?lang=en) You Need A Budget – YouTube (https://www.youtube.com/user/YouNeedABudget?app=desktop) You Need A Budget – Instagram (https://www.instagram.com/youneedabudget/?hl=en) You Need a Budget, by Jesse Mecham (https://www.ynab.com/ynab-the-book/) Podcast Episode 96: How to Rapidly Pay Off Law School Debt (with Guest Financial Panther) (https://lawschooltoolbox.com/podcast-episode-96-how-to-rapidly-pay-off-law-school-debt-with-guest-financial-panther/) Podcast Episode 149: Saving Money in Law School (https://lawschooltoolbox.com/podcast-episode-149-saving-money-in-law-school/) Podcast Episode 177: Real Talk About Student Loan Debt (w/Financial Expert Travis Hornsby) (https://lawschooltoolbox.com/podcast-episode-177-real-talk-about-student-loan-debt-w-financial-expert-travis-hornsby/) Podcast Episode 294: Money Talk (w/Carrie Friedberg) (https://lawschooltoolbox.com/podcast-episode-294-money-talk-w-carrie-friedberg/) Podcast Episode 361: Student Loan Repayment (w/Derek Brainard of AccessLex Institute) (https://lawschooltoolbox.com/podcast-episode-361-student-loan-repayment-w-derek-brainard-of-accesslex-institute/) The Reality of Law School Debt and Planning for It (https://lawschooltoolbox.com/the-reality-of-law-school-debt-and-planning-for-it/) 5 Strategies to Save Money in Law School (https://lawschooltoolbox.com/5-strategies-to-save-money-in-law-school/) 5 Money Saving Apps for Law Students (https://lawschooltoolbox.com/5-money-saving-apps-for-law-students/) Why Adding Budgeting Skills to Your Toolbox Is Important (https://lawschooltoolbox.com/why-adding-budgeting-skills-to-your-toolbox-is-important/) Download the Transcript  (https://lawschooltoolbox.com/episode-383-talking-about-money-with-jesse-mecham-founder-of-you-need-a-budget/) If you enjoy the podcast, we'd love a nice review and/or rating on Apple Podcasts (https://itunes.apple.com/us/podcast/law-school-toolbox-podcast/id1027603976) or your favorite listening app. And feel free to reach out to us directly. You can always reach us via the contact form on the Law School Toolbox website (http://lawschooltoolbox.com/contact). If you're concerned about the bar exam, check out our sister site, the Bar Exam Toolbox (http://barexamtoolbox.com/). You can also sign up for our weekly podcast newsletter (https://lawschooltoolbox.com/get-law-school-podcast-updates/) to make sure you never miss an episode! Thanks for listening! Alison & Lee

If you've been a long-time listener of the More Money Podcast, then it shouldn't come as a surprise that I think budgeting is an amazing tool when it comes to getting your financial life together. That's why this week I'm so excited to have Jesse Mecham, founder of You Need A Budget, on the show to discuss how he turned his budget spreadsheet into one of the most popular budgeting platforms around. Jesse Mecham is a personal finance expert, business leader, podcast host, author, and founder of You Need A Budget. He's a self-proclaimed “recovering CPA,” passionate about budgeting and his four-rule method for keeping track of spending, saving money, and building wealth. In this episode, Jesse explains what his four-rule method is and why he thinks there is no wrong way to budget. We also discuss how to approach budgeting and money in relationships and the importance of teaching your kids about personal finance from an early age. I hope this episode gives you a boost of motivation and reassurance that everyone is still figuring it out, even the experts! For full episode show notes visit: https://jessicamoorhouse.com/356

We're going all-in today on budgeting with our special guest- Jesse Mecham! There are a number of folks listening who might recognize his name, but I'm guessing even more folks are familiar with the company he started in 2003 while he was still in college- You Need A Budget, or YNAB as it's commonly known. Millions of individuals have used YNAB to get on a budget which has allowed them to achieve their life-changing financial goals- whether that's simply paying off debt or the complicated endeavor of getting on the same page as their partner. Jesse has likely thought more about budgeting over the past 20 years than anyone else out there, so we're excited to talk with him about all the things that he's learned over the years. Listen as we discuss why you need a budget in the first place, Jesse's 4 rules of budgeting, how often you should spend on your budget every month, as well as his approach to credit cards and debt.   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don't be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   During this episode we enjoyed an Igneous IPA by Hutton & Smith! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out!See omnystudio.com/listener for privacy information.

Brought to you by Wealthfront high-yield savings account, Peloton Row premium rower for an efficient workout, and You Need A Budget cult-favorite money management app.Rick Rubin (@RickRubin) is a nine-time GRAMMY-winning producer, one of Time magazine's 100 most influential people in the world, and the most successful producer in any genre, according to Rolling Stone. He has collaborated with artists from Tom Petty to Adele, Johnny Cash to the Red Hot Chili Peppers, Beastie Boys to Slayer, Kanye West to the Strokes, and System of a Down to Jay-Z. You can find my 2015 interview with Rick at tim.blog/RickRubin.His new book is THE CREATIVE ACT: A Way of Being. *This episode is brought to you by Wealthfront! Wealthfront is an app that helps you save and invest your money. Right now, you can earn 3.8% APY—that's the Annual Percentage Yield—with the Wealthfront Cash Account. That's more than fifteen times more interest than if you left your money in a savings account at the average bank, according to FDIC.gov. It takes just a few minutes to sign up, and then you'll immediately start earning 3.8% interest on your savings. And when you open an account today, you'll get an extra fifty-dollar bonus with a deposit of five hundred dollars or more. Visit Wealthfront.com/Tim to get started.*This episode is also brought to you by You Need A Budget! You Need A Budget is a cult-favorite budgeting app for a reason—it works. The app and its simple 4-rule method will change the way you think about money and get you laser focused to live the life you want. With You Need A Budget, you'll finally experience financial clarity, having all the data points you need to make informed financial decisions. With all that information at your fingertips, you can finally home in on buying that dream house, paying off that last debt, or setting yourself up to retire early. And the You Need A Budget team offers daily, free, live classes—including video courses, bootcamps, and challenges—as well as active fan groups in every corner of the internet. Try the app free for 34 days (no credit card required) at YouNeedABudget.com/Tim.*This episode is also brought to you by Peloton Row! Peloton Row brings personalized form features to rowing to help you learn and master your stroke. Form features like Form Assist indicate how to improve your stroke in class in real time, as well as a detailed post-class breakdown so you can hit the Row harder next time. And with features that allow you to personalize your target metrics, you become an expert at the level and pace that feels good for you. You get all your cardio and strength in one shot, while protecting your joints and ligaments in a high-intensity, low-impact way. Fun fact: you work 86% of your muscles in only 15 minutes.Right now is the perfect time to get rowing with Peloton Row. Peloton Row offers a variety of classes for all levels plus game-changing features that help you get rowing or advance the rowing you can already do. Explore Peloton Row at OnePeloton.com/Row.*For show notes and past guests on The Tim Ferriss Show, please visit tim.blog/podcast.For deals from sponsors of The Tim Ferriss Show, please visit tim.blog/podcast-sponsorsSign up for Tim's email newsletter (5-Bullet Friday) at tim.blog/friday.For transcripts of episodes, go to tim.blog/transcripts.Discover Tim's books: tim.blog/books.Follow Tim:Twitter: twitter.com/tferriss Instagram: instagram.com/timferrissYouTube: youtube.com/timferrissFacebook: facebook.com/timferriss LinkedIn: linkedin.com/in/timferrissPast guests on The Tim Ferriss Show include Jerry Seinfeld, Hugh Jackman, Dr. Jane Goodall, LeBron James, Kevin Hart, Doris Kearns Goodwin, Jamie Foxx, Matthew McConaughey, Esther Perel, Elizabeth Gilbert, Terry Crews, Sia, Yuval Noah Harari, Malcolm Gladwell, Madeleine Albright, Cheryl Strayed, Jim Collins, Mary Karr, Maria Popova, Sam Harris, Michael Phelps, Bob Iger, Edward Norton, Arnold Schwarzenegger, Neil Strauss, Ken Burns, Maria Sharapova, Marc Andreessen, Neil Gaiman, Neil de Grasse Tyson, Jocko Willink, Daniel Ek, Kelly Slater, Dr. Peter Attia, Seth Godin, Howard Marks, Dr. Brené Brown, Eric Schmidt, Michael Lewis, Joe Gebbia, Michael Pollan, Dr. Jordan Peterson, Vince Vaughn, Brian Koppelman, Ramit Sethi, Dax Shepard, Tony Robbins, Jim Dethmer, Dan Harris, Ray Dalio, Naval Ravikant, Vitalik Buterin, Elizabeth Lesser, Amanda Palmer, Katie Haun, Sir Richard Branson, Chuck Palahniuk, Arianna Huffington, Reid Hoffman, Bill Burr, Whitney Cummings, Rick Rubin, Dr. Vivek Murthy, Darren Aronofsky, Margaret Atwood, Mark Zuckerberg, Peter Thiel, Dr. Gabor Maté, Anne Lamott, Sarah Silverman, Dr. Andrew Huberman, and many more.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We are counting down your Top 10 favorite Get The Hell Out Of Debt podcast episodes of all time!  In Number 3, Erin talks with Jesse Mecham. Jesse is the founder of Y-NAB… A fun acronym for “You Need A Budget”. He talks with Erin about how he created the app at a time when he and his wife were newlyweds and were just trying to make an extra $300 to cover their bills. Jesse is passionate about helping people, families, business owners, and everyone in between gain total control of their money.  _________________________ You can find out more about YNAB here: https://www.youneedabudget.com  You can get the Get The Hell Out Of Debt Course for $99 (for a limited time!) here: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca  If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly  Follow Erin here: https://www.instagram.com/getthehelloutofdebt/  And her personal account here: https://www.instagram.com/erinskyekelly/  And the website for everything else: www.erinskyekelly.com 

Brought to you by Athletic Greens all-in-one supplement, Peloton Row premium rower for an efficient workout, and You Need A Budget cult favorite budgeting app. James Clear (@JamesClear) is a writer and speaker focused on habits and continuous improvement. He is the author of the #1 New York Times bestseller Atomic Habits, which covers easy and proven ways to build good habits and break bad ones. The book has sold more than 10 million copies worldwide and has been translated into more than 50 languages. On average, Atomic Habits has sold one copy every 15 seconds since it was published.James is also the creator of the 3-2-1 Newsletter, which is one of the most popular email newsletters in the world and has more than 2 million subscribers. Each issue contains 3 short ideas from James, 2 quotes from other people, and 1 question to consider that week. You can sign up for free at JamesClear.com.He is a regular speaker at Fortune 500 companies, and his work is used by players and coaches in the NFL, NBA, and MLB. In college, he was an Academic All-American baseball player, and he is an avid weightlifter.Please enjoy!*This episode is brought to you by You Need A Budget! You Need A Budget is a cult favorite budgeting app for a reason—it works. The app and its simple 4-rule method will change the way you think about money and get you laser focused to live the life you want. With You Need A Budget, you'll finally experience clarity: you'll know your average grocery spending down to the cent and have all the data points you need for making informed financial decisions. With all that information at your fingertips, you can finally home in on buying that dream house, paying off that last debt, or setting yourself up to retire early. And the You Need A Budget team offers daily, free, live classes—including video courses, bootcamps, and challenges—as well as active fan groups in every corner of the internet. Try the app free for 34 days (no credit card required) at YouNeedABudget.com/Tim.*This episode is also brought to you by Athletic Greens. I get asked all the time, “If you could use only one supplement, what would it be?” My answer is usually AG1 by Athletic Greens, my all-in-one nutritional insurance. I recommended it in The 4-Hour Body in 2010 and did not get paid to do so. I do my best with nutrient-dense meals, of course, but AG further covers my bases with vitamins, minerals, and whole-food-sourced micronutrients that support gut health and the immune system. Right now, Athletic Greens is offering you their Vitamin D Liquid Formula free with your first subscription purchase—a vital nutrient for a strong immune system and strong bones. Visit AthleticGreens.com/Tim to claim this special offer today and receive the free Vitamin D Liquid Formula (and ten free travel packs) with your first subscription purchase! That's up to a one-year supply of Vitamin D as added value when you try their delicious and comprehensive all-in-one daily greens product.*This episode is also brought to you by Peloton Row! Peloton Row brings personalized form features to rowing to help you learn and master your stroke. Form features like Form Assist indicate how to improve your stroke in class in real time, as well as a detailed post-class breakdown so you can hit the Row harder next time. And with features that allow you to personalize your target metrics, you become an expert at the level and pace that feels good for you. You get all your cardio and strength in one shot, while protecting your joints and ligaments in a high-intensity, low-impact way. Fun fact: you work 86% of your muscles in only 15 minutes.Right now is the perfect time to get rowing with Peloton Row. Peloton Row offers a variety of classes for all levels plus game-changing features that help you get rowing or advance the rowing you can already do. Explore Peloton Row at OnePeloton.com/Row.*For show notes and past guests on The Tim Ferriss Show, please visit tim.blog/podcast.For deals from sponsors of The Tim Ferriss Show, please visit tim.blog/podcast-sponsorsSign up for Tim's email newsletter (5-Bullet Friday) at tim.blog/friday.For transcripts of episodes, go to tim.blog/transcripts.Discover Tim's books: tim.blog/books.Follow Tim:Twitter: twitter.com/tferriss Instagram: instagram.com/timferrissYouTube: youtube.com/timferrissFacebook: facebook.com/timferriss LinkedIn: linkedin.com/in/timferrissPast guests on The Tim Ferriss Show include Jerry Seinfeld, Hugh Jackman, Dr. Jane Goodall, LeBron James, Kevin Hart, Doris Kearns Goodwin, Jamie Foxx, Matthew McConaughey, Esther Perel, Elizabeth Gilbert, Terry Crews, Sia, Yuval Noah Harari, Malcolm Gladwell, Madeleine Albright, Cheryl Strayed, Jim Collins, Mary Karr, Maria Popova, Sam Harris, Michael Phelps, Bob Iger, Edward Norton, Arnold Schwarzenegger, Neil Strauss, Ken Burns, Maria Sharapova, Marc Andreessen, Neil Gaiman, Neil de Grasse Tyson, Jocko Willink, Daniel Ek, Kelly Slater, Dr. Peter Attia, Seth Godin, Howard Marks, Dr. Brené Brown, Eric Schmidt, Michael Lewis, Joe Gebbia, Michael Pollan, Dr. Jordan Peterson, Vince Vaughn, Brian Koppelman, Ramit Sethi, Dax Shepard, Tony Robbins, Jim Dethmer, Dan Harris, Ray Dalio, Naval Ravikant, Vitalik Buterin, Elizabeth Lesser, Amanda Palmer, Katie Haun, Sir Richard Branson, Chuck Palahniuk, Arianna Huffington, Reid Hoffman, Bill Burr, Whitney Cummings, Rick Rubin, Dr. Vivek Murthy, Darren Aronofsky, Margaret Atwood, Mark Zuckerberg, Peter Thiel, Dr. Gabor Maté, Anne Lamott, Sarah Silverman, Dr. Andrew Huberman, and many more.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Krista St-Germain is a Master Certified Life Coach, Post-Traumatic Growth and grief expert, widow, mom and host of The Widowed Mom Podcast. When her husband was killed by a drunk driver in 2016, Krista's life was completely and unexpectedly flipped upside down. After therapy helped her uncurl from the fetal position, Krista discovered Life Coaching, Post Traumatic Growth and learned the tools she needed to move forward and create a future she could get excited about. Now she coaches and teaches other widows so they can love life again, too. Krista has been featured online and in print in Psychology Today, Medium, Thrive Global, Bustle, Psych Central and Parents Magazine and on select podcasts such as The SelfWork Podcast, Seek The Joy, Life Check Yourself and You Need A Budget to name a few. Links: Instagram | Facebook | Widowed Moms Podcast | MediaInThis EpisodeKrista's WebsiteKrista's podcast: The Widowed Mom podcastThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5739761/advertisement

Ok, let's get this out of the way: We're big fans of You Need a Budget. Like, huge fans. Massive, life-changing kind of product fans. So you can imagine that we're a bit beside ourselves this week.See, for someone who has had struggles with money in the past, discovering a tool that has the capacity to rewire your brain around budgeting and spending is a pretty big deal™. That's YNAB, a budgeting tool like no other. Even better, while the team had not intention to make a budgeting tool that can work for folks with ADHD brains, for a lot of us, they did just that.Jesse Mecham is the Founder of YNAB and personal finance expert. He hosts the You Need A Budget Podcast, the Beginning Balance Podcast and is the Wall Street Journal best-selling author of the book of the same name, You Need A Budget. The Smart Money Mama herself, Chelsea Brennan, introduced us to YNAB in 2020 and the tool quickly landed at the top of our list of favorite, life-changing services, so Jesse is here not only as a budgeting guy we think you might like to meet, but because we are legit fans.YNAB isn't a sponsor of this show, but we encourage you to visit right away and sign up for their 34-day free trial and see how it works for you. (00:00) - Welcome to The ADHD Podcast (01:38) - Support the Show: Become a Patron at Patreon.com/TheADHDPodcast (04:39) - Introducing Jesse Mecham (11:55) - The Tenses of Money (14:55) - The Four Rules (15:53) - 1. Giving Every Dollar a Job (18:57) - 2. Embrace your True Expenses (24:03) - 3. Role with the Punches (25:15) - 4. Aging Your Money (28:25) - The Elusive Emergency Fund (31:45) - What if you hate "Budgeting" (33:15) - Your Credit Card and You (37:41) - What if you're overwhelmed? (41:29) - YNAB as a Couple (44:44) - Kids ★ Support this podcast on Patreon ★

We know that grief after divorce can be heavy. There is no one size fits all when it comes to the stages of grief. This week Master Certified Life Coach Krista St. Germain, joins Michelle Dempsey-Multack to share her personal story of tragically losing her husband and how she used it to create her next chapter. We all know the 5 stages of grief, but they happen in different order for everyone. Krista and Michelle discuss: How to change your relationship with feelings Not hiding your feelings from your children Allowing yourself to feel what you need to feel How the tapping method can help with grief AND MUCH MORE! Krista St-Germain is a Master Certified Life Coach, Post-Traumatic Growth and grief expert, widow, mom and host of The Widowed Mom Podcast. When her husband was killed by a drunk driver in 2016, Krista's life was completely and unexpectedly flipped upside down. After therapy helped her uncurl from the fetal position, Krista discovered Life Coaching, Post Traumatic Growth and learned the tools she needed to move forward and create a future she could get excited about. Now she coaches and teaches other widows so they can love life again, too. Krista has been featured online and in print in Psychology Today, Medium, Thrive Global, Bustle, Psych Central and Parents Magazine and on select podcasts such as Grief 2 Growth, Seek The Joy, Life Check Yourself and You Need A Budget to name a few. Links: Instagram | Facebook | Widowed Moms Podcast | Media Learn more about your ad choices. Visit megaphone.fm/adchoices

IN THIS EPISODE, YOU'LL LEARN:01:43 - How the idea of You Need A Budget came to be. 02:50 - If you need to raise capital to start a business.04:31 - What is the Four-Rule Method of budgeting, and why it works?13:30 - How can you roll with the punches when it comes to budgeting?22:11 - What does it mean to age your money?43:46 - Why budgeting is crucial to being a successful investor.And much, much more!*Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.BOOKS AND RESOURCESCheck out You Need A Budget.JL Collin's book The Simple Path to Wealth.Thomas Stanley and William Danko's book The Millionaire Next Door.Ramit Sethi's book I Will Teach You To Be Rich.Erin Lowry's book Broke Millennial.All of Robert's favorite books.NEW TO THE SHOW?Check out our Millennial Investing Starter Packs.Browse through all our episodes (complete with transcripts) here.Try our tool for picking stock winners and managing our portfolios: TIP Finance Tool.Enjoy exclusive perks from our favorite Apps and Services.P.S The Investor's Podcast Network is excited to launch a subreddit devoted to our fans in discussing financial markets, stock picks, questions for our hosts, and much more! Join our subreddit r/TheInvestorsPodcast today!SPONSORSGet a FREE audiobook from Audible.Make backing up and accessing your data astonishingly easy with Backblaze. Sign up for a free trial today.Get up to 3% Daily Cash back on everything you buy with Apple Card. Subject to credit approval. Daily cash is available via an Apple Cash card or as a statement credit. See Apple Card customer agreement for terms and conditions. Apple Cash card is issued by Green Dot Bank, Member FDIC. Variable APRs range from 13.24% to 24.24% based on creditworthiness. Rates as of August 1, 2022.Invest in high quality, cash flowing real estate without all of the hassle with Passive Investing.Reclaim your health and arm your immune system with convenient, daily nutrition. Athletic Greens is going to give you a FREE 1 year supply of immune-supporting Vitamin D AND 5 FREE travel packs with your first purchase.Confidently take control of your online world without worrying about viruses, phishing attacks, ransomware, hacking attempts, and other cybercrimes with Avast One. Buy Raycon's Everyday Earbuds today and enjoy 15% off your order!Support our free podcast by supporting our sponsors. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Money seems to go a lot faster when you have kids. With all the stresses that can come from parenting, you don't want money to be another one of those challenges. Today we speak with Jesse Mecham, the author and entrepreneur behind the wildly popular You Need A Budget book and website. Some highlights of our podcast include: How to budget together but still keep your financial independence Why you should plan for "unexpected" expenses How to manage changes to your spending when you have a child Why you need to buy the necessary baby items and ignore the rest At what age and how do you involve your kids in budgeting ---------------------------------------------------------- Find more Dad Podcasts from A Dad's Path, a website for dads.

In this time of inflation, what better way to process rising prices and supply chain failures than with Bri's Radio Theatre. In five brief comedy sketches inspired by Dave Ramsey's popular Financial Peace University program, Bri and the Ladies explore fiscal responsibility and ways to spend wisely during tight financial times. While Financial Peace has great merit to bring people out of debt, Bri takes this opportunity to poke fun at its lack of sound theology, Dave Ramsey's Baby Steps “that sometimes have adult feet,” and the ridiculous lengths one might go to for their financial goals. In the end, though, Bri reminds the Ladies that our financial status doesn't determine our salvation. Find Dave Ramsey's Financial Peace University from Ramsey Solutions and explore his Seven Baby Steps. And if you need a budget, check out You Need A Budget. New to Bri's Radio Theatre? Listen to past episodes here. Connect with the Lutheran Ladies on social media in The Lutheran Ladies' Lounge Facebook discussion group (facebook.com/groups/LutheranLadiesLounge) and on Instagram @lutheranladieslounge. Follow Sarah (@hymnnerd), Rachel (@rachbomberger), Erin (@erinaltered), and Bri (@grrrzevske) on Instagram! Sign up for the Lutheran Ladies' Lounge monthly e-newsletter here, and email the Ladies at lutheranladies@kfuo.org.

The Incomparable Sarah Elledge is back to talk with Rebecca about everything she's been work on lately as a 'Budget Ninja'. The day-to-day money management business owners are going through routinely can be easier than you've ever imagined - but we have to think differently about our record keeping. We're creatures of habit, and those habits have voices, and we should be analyzing those voices, or habits, to get a handle on our financial life. Enjoy this conversation that will get right into your wallet - and right into your head! Can you celebrate your wins along the way? How will your new milestones make you feel? You're going to relate to Sarah's stories and start to recognize what it takes to change course.  Go to Instagram.com/everypennyaccounts to connect with Sarah, or email at budgets@sarahelledge.com, and click here to learn more about the You Need A Budget app. To work with Rebecca Dollinger, sponsor and guest information, email tailored2you@rebeccastylewriter.com, or call 214-729-6307.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more. Get Your Voice Matters Podcasts HERE.Brought to you by:Chester Squared Music Therapy, IvorChester.comJus4UsNaturals.usOffBeat Business Media, LLC , OBBM Network PodcastsSupport the show

In this episode of On-Air, Jesse Mecham, the founder of You Need A Budget, joins @RobWalling to chat about why core values and culture truly matter. Jesse also gives an update on how YNAB has grown since he gave his talk at MicroConf in 2014. If you haven't seen the talk, you should check it out: https://www.youtube.com/watch?v=jw8N7YrBM4o

In this episode of On-Air, Jesse Mecham, the founder of You Need A Budget, joins @RobWalling to chat about why core values and culture truly matter. Jesse also gives an update on how YNAB has grown since he gave his talk at MicroConf in 2014. If you haven't seen the talk, you should check it out: https://www.youtube.com/watch?v=jw8N7YrBM4o

Erin Lowell, a lead educator at You Need A Budget, joins the show to replace Ben.... just kidding, Ben is irreplaceable! But while he's out on paternity leave, Ernie is hosting the show with guests.   Erin has a LOT of experience budgeting, and a fair amount of experience buying and renovating houses, so she shares a recent experience buying a beautiful old home on a 15-year mortgage and renovating the kitchen on a budget, while managing the stresses of moving and being without a place to cook.   Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

This week we discuss our personal themes for 2022, Julia recounts Covid craziness and we tackle the age-old argument around following your passion vs. making money. Oh…and we talk about asset diversification. Like ya do.  Here are links to some helpful things we referenced and the two questions we answered.  Student Loan Planner: https://www.studentloanplanner.com/ You Need A Budget: https://www.youneedabudget.com/  Q1 - My partner and I are approaching a major change in our life. She will be graduating from law school at the end of the year (I'm so proud of her!) and will start working in her career. She feels pressured to look for jobs that are higher paying because of the law school student debt. I don't want her to go into a sector for the money instead of passion. Also, I have been working for several years and have paid off my student debt in that time on my own. We keep finances separate, except shared expenses where she pays a smaller percentage from less work time due to school. I want to make her student debt a shared expense, but she is resistant to agreeing. How do we compromise on this topic? Q2 - What distribution of assets would you recommend? What percentage of my savings should be in real estate, stocks, cash, etc..?

Olivia is back for a third time to talk about their budgeting journey! On this episode: Their early relationship with money and all the different methods they've tried Our mutual love of the YNAB (You Need A Budget) method Planning ahead vs. forecasting your income Pros + cons of the envelope method—and how YNAB solves the cons YNAB's customer service + the benefits of complaining to companies Encouragement for anyone unhappy with their financial situation Determining your own financial priorities to minimize shame and stress Resources: Use this link to try YNAB, and you'll get a free 34-day trial plus another free month if you subscribe! Read the book: “You Need A Budget” by Jesse Mecham Budget Bytes: https://www.budgetbytes.com Hannah's budgeting videos: https://www.youtube.com/playlist Support the show: Join the “I Wanna Know” Patreon Buy my stickers on Redbubble Rate the show, subscribe, and share this episode!

Jesse Mecham, Founder of You Need a Budget (YNAB - if you're in a hurry) and dad of seven, drops some truth bombs about money and kids on today's episode. He shares his 2 cents on how and what to discuss with kids when it comes to money and we even dare to put them in control of their own. Tune in to hear how you can avoid creating little money monsters! Tiffany & I have loved YNAB and use it regularly. Try You Need A Budget Free for 34-days (no credit card required) at www.YouNeedABudget.com (We are not affiliates, just fans!) Follow YNAB on Instagram, Twitter or Youtube. Follow us on instagram.com/reroutingpod and join the Rerouting community on reroutingpod.com

As we dive into the New Year, it's important to look at our money in a serious, yet easygoing, way. Easygoing? When taxes and budgets and forecasts and cash flow and all the “can I afford to…” questions can be overwhelming and massively stress-inducing? Yes, with the right help and guidance. After all, as coaches, we have some specific expenditures and numerous online expenses. We can't have just anyone help us and we certainly can't do things only part way. This is where having excellent bookkeeping (and possibly hiring a bookkeeper) comes in.  Mark Butler is my go-to guy when it comes to financials. I originally met Mark when he was the CFO for The Life Coach School. Since then, we've gotten to know one another quite well through working together on various efforts, coaching, bookkeeping and financial questions. Mark's genius superpower is that he has the ability to view money in a neutral way. Peeling away the emotions wrapped around money is key to succeeding not only financially but also in wisely appropriating energy to build one's business. “A lot of people struggle to view money as a fact. They give it a lot of meaning and it carries a lot of hope, shame, anger… and a lot of emotion tied up in money.” – Mark Butler What You'll Learn Mark's superpower  Emotions and money Mark's emotional history that drew him to be a money guy Journey to money neutrality Is there really a connection between “happy and fulfilled” and money? The de-weaponizing of terms like abundance, money, wealth Proper balance with limiting and non-limiting beliefs Transitioning away from fear and shame into curiosity   Common money challenges for coaches  Vote of confidence: Having a dedicated checking account and credit cards Failing to celebrate Inadequate tax preparations Building a team: wage questions, building relationships, and beyond Viewing people as brains, not just hands Not really about “Figuring out the money piece”  Marketing issues Making decisions from fear Not the only meaningful signal Money is exponential, not linear Create a meaningful mark list Most successful coaching businesses  Marketing rhythm Generate enthusiasm to repeatedly say things that resonate Enjoy the work you're doing Connect with Mark Butler Mark Butler started Let's Do The Books to meet the need and desire of business owners to have a bookkeeper and financial adviser who understands online business. Someone who knows what PayPal and Stripe are and how they work. Someone familiar with launches, masterminds, group coaching, retreats, memberships, ebooks, courses, freelancing, and productized services.  About himself and his own journey, Mark says… “I started my first online business in 2004. In the last sixteen-ish years I've made money using every one of the business models I listed above. I've built my business around coaches, creators, and freelancers. I fell into bookkeeping in 2014. Although I'd made money using all kinds of online business models, I'd never figured out how to manage that money. I went through some feast and famine, got in and out of debt, and finally sold my online businesses and limped away in early 2013. I took a job working for my good friend, Jesse Mecham. He was the founder of a personal budgeting software called You Need A Budget (aka YNAB, pronounced why-nab). I spent my first year at YNAB as the staff writer, but then I wanted to make more money. I asked Jesse if I could start coaching small business owners, using YNAB as the platform. He said go for it. There turned out to be demand for the help, and within a year I was back on my own as a full-time money guy, working almost exclusively with coaches, online business owners, and freelancers. That's why I understand you and your business so well.” Work with Mark and his team for bookkeeping: Letsdothebooks.com Let's Do The Books Facebook | @letsdothebooks Let's Do The Books Instagram | @letsdothebooks team@letsdothebooks.com Work with Mark on your business: Moneyschool.works Connect with Molly Claire The Coaching Collective: thecoachingcollective.com -- Sign up for free monthly mastery trainings! Work with Molly! mollyclaire.com/coaching Email: molly@mollyclaire.com Facebook Instagram

Personal finance expert, speaker, and business leader, Jesse Mecham is the Founder of You Need A Budget (or YNAB if you are very busy and important). He is also a podcast host and best-selling author of ‘You Need A Budget'. He is deeply passionate about teaching individuals, families, and business owners to help them gain total control of their money. Jesse first developed the YNAB method and original spreadsheet as a broke, newly married college student who really needed a budget. 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.Jesse shares YNAB's Four Rules, and how we can all master money management. I'm such a huge fan of the tool, so I also explore with Jesse the power of simple tools, building a community, being clear with your expenses, and Alexa requests.Talking Points Launching YouNeedABudget.com as a spreadsheet business How to start budgeting your finances Embracing your true expenses Identifying what is urgent Setting intention versus attention The parallels between time and money management Budgeting with your partner How YNAB works Quote"Consider the future within the constraint of current resources."Helpful Links ‘You Need a Budget' by Jesse Mecham ‘Four Thousand Weeks' by Oliver Burkeman YNAB Episode 388: Mike Michalowicz talks about Getting Different jesse@ynab.com  Want to discover some of the books mentioned on the podcast? Check out Scribd, my reading app of choice. If you enjoyed the episode, please leave a rating and/or review wherever you listened to the episode. Also don't forget to check out all of our podcast sponsors found on our podcast sponsors page. If you enjoyed the episode, please leave a rating and/or review wherever you listened to the episode. And if you want to have easy access to the archives of the show and ensure you don't miss the new episodes to come then subscribe to the podcast in the app you're using.Learn more about your ad choices. Visit megaphone.fm/adchoices

Money plays a vital role in our lives. We spend a lot of time earning money, but most of us aren't as intentional about keeping it.This is where budgeting comes in. You may wonder “Why do I need a budget? How can it benefit me and help me grow my money?”  In this episode, we are joined by Jesse Mecham, Founder of You Need A Budget. Jesse talks about budgeting, his four rules to a successful budget, why everyone needs a budget, and the importance of a budget plan. Jesse also touches on Maslow's hierarchy of needs, and how he managed to grow his money through these four rules. Listen in and learn about a new way of looking and thinking about your money to help you make the best decisions for yourself. If you enjoyed today's episode, here's what you can do to support me and help more Dreamers discover the podcast:Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify |  iHeart Radio | Amazon Music | Listen Notes |Share the podcast with your family, friends, and co-workers.Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.More about the Guest:Jesse Mecham is a personal finance expert, speaker, business leader, and the Founder of You Need A Budget (YNAB). Jesse hosts the You Need A Budget Podcast, the Beginning Balance Podcast, and is the Wall Street Journal best-selling author of, You Need A Budget. A self-proclaimed “recovering CPA,” he is deeply passionate about teaching individuals, families, and business owners YNAB's Four Rules to help them gain total control of their money. To learn more, visit www.youneedabudget.com.Connect with Jesse:WebsiteYou Need A Budget PodcastInstagramFacebookYouTubeTwitterConnect with Anne-Lyse:Website InstagramInstagram (Personal) 

As a father of seven, founder of YouNeedaBudget.com, author and recovering CPA, Jesse Mecham may be the only person who can authentically claim to find joy in budgeting. Jesse joins the Club to share his four rules for gaining control of your money — and how to prioritize where it goes in the first place.Club Sandwich is part of the Firstly Podcast Network. Visit us at Firstly.com.Opinions expressed on Club Sandwich are those of the host and guests and do not necessarily reflect those of Firstly(sm) or its parent company. Episode LinksYou Need a BudgetYou Need A Budget Podcast Beginning Balance PodcastYou Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want

Sarah and Laura open with a travel discussion -- finally feeling like certain trips are safe to plan again! They discuss vacation rentals vs hotels and why both have moved towards the former for family trips! Then, they welcome You Need A Budget's founder and CEO Jesse Mecham for a fascinating discussion about the role of budgets and the benefits of having one. Then in the Q&A, they answer a very numbers-oriented budget question related to the cost of preschool + a nanny. Learn more about your ad choices. Visit megaphone.fm/adchoicesSee omnystudio.com/listener for privacy information.