Money shouldn’t be this hard - and it isn’t! Join YNAB founder Jesse Mecham each week as he dives into spendfulness, a mindset that will help you stop second-guessing, spend more confidently, and live the life you want.
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Personal finance experts Ben Barlowe and Ernie Reppe get nerdy with numbers as they share budgeting tips, strategies for categorizing transactions, and lessons learned from using the revolutionary budgeting system known as You Need a Budget.
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Join Chris Gmyr and TJ Miller as they dive into the world of PHP, Laravel, and all things programming, while also sharing insights on family life and other musings.
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Pay attention - not interest. For most, that’s all it takes to get their money under control. That’s how Steve and his wife got out of debt completely - even the mortgage…and you can too! Your host, Steve Stewart, shares his extreme-but-proven ways that money really works. The show isn’t just about making a Money Plan (aka: a budget). Steve also explains what’s really wrong with credit cards and credit scores (spoiler alert: It’s not what you think). You’ll also learn about rich habits, how ...
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Kick off your week every Monday morning by discovering new strategies to dominate your day before breakfast! . Join host Jeff Sanders on this practical self-improvement podcast that focuses on productivity, healthy habits, and personal development. This is your home to bounce out of bed with enthusiasm, create powerful lifelong habits, and tackle your grandest goals with extraordinary energy! . Become a VIP member of The 5 AM Miracle community by getting the premium ad-free version with excl ...
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I swear, I don't complain often, oh wait ... This is all about complaining ... Never mind
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Discover a more Potent life. Welcome to Potent, the podcast where we explore transformative ideas and practices to help you live into your unique potential and build a more potent life. By exploring ideas and practices from expert thinkers and practitioners in psychology, business, personal development, and spirituality we provide you with new and old ideas + tools for building a full(er) life. Sponsored by monkmanual.com
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The Young Money Podcast is a show where we discuss our relationship with money. Your hosts, JP & Adriann, will be covering a range of topics: from how we first learned about money to how we spend our money now. Over the course of biweekly episodes, we hope to have guests that will discuss their relationship with money and how it shapes their lives. If you're looking to know more about how people manage their money and hopefully learn from these honest discussions, this show is for you.
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It has been a while since Ben and Ernie have done an old fashioned debt payoff episode, but it's still one of the hottest topics when it comes to personal finance. And in their veiw, at least, paying off debt is where most of the personal finance world gets it wrong. YNAB has a unique method for paying off debt with an emphasis on sustainability an…
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Unlocking The Power of Caffeine For Performance with David Hellard
37:09
37:09
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Episode Summary I chat with David Hellard, founder of Caffeine Bullet, how caffeine effects athletic performance and productivity. . Show Notes Page jeffsanders.com/576 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Hypnozio → Go to https://sponsr…
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All money is meant to be spent, it's just a matter of when. Some people get caught in a cycle of amassing savings with no clear goal of how it is to be spent. Jesse shares an example from his wedding of how the desire to save money can backfire, and demonstrates how having a plan for your money, whether it's in the near future or distant future, is…
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Doing Nothing is Far WORSE than Choosing the "Wrong" Next Decision [BEST OF]
36:36
36:36
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Episode Summary I discuss why doing nothing is far worse than choosing the “wrong” next decision. . Show Notes Page jeffsanders.com/575e . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Hypnozio → Go to https://sponsr.is/hypnozio_5amMiracle and use …
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The 1 Thing that Moves You Forward in Every Area of Life [BEST OF]
31:09
31:09
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Episode Summary I discuss how to find the one thing that moves you forward in every area of life, and then what to do with it. . Show Notes Page jeffsanders.com/575d . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Hypnozio → Go to https://sponsr.is…
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New grill, Evolution of coffee, and Prism Relay
26:43
26:43
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TJ Miller and Chris Gmyr discuss their recent family activities, including spring break adventures and pet health challenges. They share insights on cooking and grilling innovations, particularly focusing on a new griddle. The conversation shifts to teaching kids coding and the challenges of engaging them in learning. They also explore their evolvi…
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YNAB only asks that you follow one rule with your money, the golden rule of money, if you will -- give every dollar a job. And within that statement is implied that you must give every dollar you have a job. Many people get in trouble when they start planning for money they expect to come but don't have yet. There be dragons! Looking at the money y…
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Everyone’s Got a Plan Until They Get Punched in the Mouth [BEST OF]
29:49
29:49
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Episode Summary I discuss how to respond proactively to life’s twists, turns, and punches in the mouth. . Show Notes Page jeffsanders.com/575c . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Hypnozio → Go to https://sponsr.is/hypnozio_5amMiracle an…
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Productive Flow: 10 Strategies to Reset and Optimize Your Daily Rhythm [BEST OF]
38:57
38:57
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Episode Summary I discuss 10 strategies to reset your daily rhythm and achieve productive flow. . Show Notes Page jeffsanders.com/575b . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Hypnozio → Go to https://sponsr.is/hypnozio_5amMiracle and use my…
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The Worst Coffee, ClickHouse & Kafka, AI Updates & Coding Tools
42:51
42:51
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Chris Gmyr and TJ Miller discuss their recent weekend getaways, family activities, and the challenges of managing open source projects. They delve into their fitness routines, coffee preferences, and share insights on technology, particularly focusing on ClickHouse and Kafka for data management. The conversation also touches on the evolving landsca…
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#112 - Ben and Ernie Fix a Messy Budget! (YouTube Livestream Replay)
1:02:23
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Ben and Ernie are back again to fix a very messy budget, and this time they are doing it live! This is a replay from their YouTube livestream on Mar 26th, 2025. There is a strong visual component to this episode, so we recommend you watch the replay on YouTube (link below), but we are posting the audio on the podcast feed as well. Messy Budget Live…
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Jesse relates a story of a couple looking at a piece of gym equipment posted for sale at their local gym. It was expensive, and Emily's gut reaction was "no, it seems spendy." After some reflection she told her husband they should talk about it more, because maybe it was really a spendful purchase. We are faced with decisions like these all the tim…
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Is Waking Up Early Necessary? Why The 5 AM Miracle is Not What You Think [BEST OF]
30:08
30:08
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Episode Summary I discuss what The 5 AM Miracle actually embodies, why you should consider all of your options, and why you should ignore my advice on occasion. . Show Notes Page jeffsanders.com/575a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors …
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Budget Nerds LIVE on YouTube: Fixing a Messy Budget
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Together they sail or sink! Today, March 26th at 3:00pm Eastern, Ben and Ernie will be livestreaming on YouTube and will attempt to fix a messy YNAB budget. This episode will have a heavy visual component, so you will want to watch it on YouTube at the link below. If you miss it, you can still watch the replay on YouTube, and the audio will be post…
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The Best Productivity Strategies in a Moment of Crisis with Tessa Sanders
48:46
48:46
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Episode Summary I chat with my wife Tessa about the best productivity strategies to leverage in a moment of crisis. Chaos is coming. Are you ready? . Show Notes Page jeffsanders.com/575 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Hypnozio → Go …
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These 5 Questions Will Rewrite Your Financial Future
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11:33
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YNAB only has one "rule" for managing your money, and that's to give every dollar a job. This is easier said than done, however, so to help with this task, Jesse presents 5 questions to clarify what you want to do with your money: Reality: What does this money need to do before I’m paid again? Stability: What larger, less frequent spending do I nee…
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Comfortable with Discomfort: Discover How to Lean In and Love It [BEST OF]
38:49
38:49
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Episode Summary I discuss how you can become comfortable with discomfort and how exponential growth can be achieved when you leverage your own willingness to step just outside your bubble. . Show Notes Page jeffsanders.com/574a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premiu…
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Flow Downstream: The 3-Step Process to Solve Any Problem with Ease
48:21
48:21
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Episode Summary I share the easiest path to success, and it doesn’t involve reinventing the wheel again and again. . Show Notes Page jeffsanders.com/574 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Timeline → Get 10% off your order of Mitopure® …
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Favorite Mugs, Claude Projects, and Science Olympiad Sorrows
36:23
36:23
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TJ Miller and Chris Gmyr discuss their recent experiences with Claude projects, coding challenges, and team dynamics during a Science Olympiad competition. They share insights on using Claude for coding tasks, the importance of documentation, and personal updates from their lives. The conversation also includes a light-hearted coffee talk segment w…
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You're Already Talking to Your Kids About Money
6:54
6:54
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You've heard the term "monkey see, monkey do," and it's true of kids and money too -- and probably not in the ways you expect! Jesse shares a couple lessons about kids and money he's learned from parenting seven children, and how kids often learn as much or more from the things you do with your money rather than what you say about money. What you s…
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Self-Sabotage, Procrastination, and What it Takes to Defeat Both [BEST OF]
35:15
35:15
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Episode Summary I discuss Steven Pressfield’s latest non-fiction book, Put Your Ass Where Your Heart Wants to Be, and how you can defeat both self-sabotage and procrastination. . Show Notes Page jeffsanders.com/573a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks fr…
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Like the cycles of the earth, Sun, and moon, YNAB'ers have cycles too! Daily, monthly, quarterly, even yearly, there are things to do to manage your spending plan. In today's episode Ben and Ernie share what they do in YNAB at every stop in the calendar, including how they run budget meetings and how they include the family in the planning process.…
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$50k?! What My Unexpected Home Renovation Taught Me About Project Management
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43:32
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Episode Summary I discuss my recent (and massive) home renovation that challenged my project management skills at every level. . Show Notes Page jeffsanders.com/573 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Timeline → Get 10% off your order o…
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Turkish coffee, Alfred vs Raycast, and Prism updates
40:05
40:05
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Chris Gmyr and TJ Miller discuss various topics ranging from preparing for the Science Olympiad competition to skiing adventures in the North Carolina mountains. They also dive into coffee preferences and gadgets, comparing their experiences with different brewing methods. The conversation shifts to productivity tools, specifically Alfred and Rayca…
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When Jesse was 25, he wrote down a goal on a notecard: to live in a paid-off house by the time he was 30. He thought that owning his house free and clear would make things feel different, give him a sense of security and freedom. At the end of the day, though, the mortgage really wasn't that big of a deal -- it was just another bill to pay. There w…
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David Goggins' Never Finished: Unshackle Your Mind and Win the War Within [BEST OF]
37:58
37:58
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Episode Summary I discuss David Goggins‘ latest book, Never Finished, and the immense impact it can have on every goal you set from here on out. . Show Notes Page jeffsanders.com/572a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Timeline → Get 1…
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Crafting Your Ideal Career: 5 Steps to Professional Success
45:37
45:37
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Episode Summary I discuss how you can craft your ideal career with 5 simple steps that can propel you forward today. . Show Notes Page jeffsanders.com/572 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Timeline → Get 10% off your order of Mitopure…
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Coffee Shop Preferences, Onboarding, and Prism Updates
34:51
34:51
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TJ Miller and Chris Gmyr share personal stories about family adventures, gym routines, and coffee preferences. They discuss the challenges and successes of onboarding in new jobs, emphasizing the importance of company culture. The conversation also highlights updates on the Prism project and the significance of community contributions. Socials http…
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Welcome to the first episode of The Jesse Mecham Show! To kick off the new show, Jesse asks the question: what is money anyway? You might point to the cash in your wallet, you might say it's the number in your bank account, you might even say it's a medium of exchange, or a store of value. While these answers aren't wrong, they really don't capture…
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Acknowledge Reality, then Choose a Better One: The Mental Pivot that Changes Everything [BEST OF]
32:44
32:44
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Episode Summary I discuss making a mental pivot that can shift you away from the problems, challenges, and annoyances of life into the solutions, opportunities, and results we are all seeking. . Show Notes Page jeffsanders.com/571a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Pr…
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It's a common question for those not already committed to YNAB: is it really worth it? I mean, paying for a budgeting software? It's a legitimate question, and you can probably guess where Ben and Ernie land on answering it (of course!). Today Ben and Ernie don't want to offer their opinions on why YNAB is worth it, they want to share some cold har…
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Jesse finishes his Q&A session from his inbox with one of the longer episodes in recent memory. He also announces a big change coming to the podcast! Got a question for Jesse? Send him an email: [email protected] Sign up for a free 34-day trial of YNAB at www.youneedabudget.com Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.o…
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Where the Magic Happens: 5 Life Lessons that Can Change Your Trajectory
40:29
40:29
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Episode Summary I share 5 life lessons from the trail that can impact your life's direction, methodology, and results. . Show Notes Page jeffsanders.com/571 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Timeline → Get 10% off your order of Mitopu…
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How to Restart from Zero: The Simple Path to Snowball Your Success [BEST OF]
37:07
37:07
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Episode Summary I discuss how to restart from zero and snowball your success into a manageable longterm solution. . Show Notes Page jeffsanders.com/570a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Timeline → Get 10% off your order of Mitopure® …
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Spendfulness is the new word in town, but don't be fooled! It's not just a portmanteau of "spending" and "mindfulness." Spendfulness isn't spending on the "right" or "correct" things. It doesn't mean spending on health or self-improvement, or even treating yourself. Although it certainly could include these things, limiting the definition to them i…
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Daily Fasting + Daily Smoothie: My Power Duo of Health & Productivity
37:12
37:12
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Episode Summary I discuss my power duo of a daily fasting session, followed by a daily smoothie, to optimize my health and productivity. . Show Notes Page jeffsanders.com/570 . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Timeline → Get 10% off yo…
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AI Writing Style guides and integrating Go with Laravel
34:16
34:16
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Chris Gmyr and TJ Miller discuss their recent personal updates, including job transitions and outdoor projects. They delve into AI writing workflows, exploring how to use AI tools to enhance writing style and efficiency. The conversation shifts to integrating Go with Laravel, discussing the benefits and challenges of using both technologies togethe…
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Don't Die: What We Can Learn from the Netflix Documentary About Living Forever [Free Preview of Premium]
17:56
17:56
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Free Preview of 5 AM Miracle Premium: This episode is available ad-free for 5 AM Miracle Premium subscribers. . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Episode Summary: I discuss my thoughts on the Netflix Documentary, Don't Die, and how we can all strive to live be…
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The Fastest and Most Direct Path to Success [BEST OF]
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28:58
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Episode Summary I discuss the fastest and most direct path to success, and why we tend to squander our own potential when given the chance. . Episode Show Notes jeffsanders.com/569a . Go Premium! Exclusive bonus episodes, 100% ad-free, full back catalog, and more! Free 7-Day Trial of 5 AM Miracle Premium . Perks from Our Sponsors Kinsta → Get your …
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#109 - Don't Make These Common YNAB Mistakes!
1:04:30
1:04:30
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YNAB is an incredible tool for learning to love how you spend, but it does come with a learning curve. Ben and Ernie have taught thousands of folks how to use YNAB, and throughout their years working with newcomers a handful of common mistakes occur again and again. In today's episode, Ben and Ernie outline seven mistakes people make in YNAB, and h…
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Jesse continues his Q&A session from his inbox, addressing questions such as: whether an investment advisor is worth it and what to do with an inheritance windfall. Jesse also teases some upcoming changes to the podcast! Got a question for Jesse? Send him an email: [email protected] Sign up for a free 34-day trial of YNAB at www.youneedabudget.com …
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