cover of episode Do You Really Need a Budget with Jesse Mecham

Do You Really Need a Budget with Jesse Mecham

2021/8/18
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Jesse Mecham：许多人对预算有负面看法，是因为他们使用了错误的方法。正确的预算方法应该是一个计划，帮助你掌控财务，让你在不感到内疚的情况下享受生活。它能解决'我能负担得起吗？'的压力，让你在花钱之前就知道答案，从而避免事后的内疚感。开始预算无需回顾过去的支出，只需关注手头的钱，并规划好这笔钱在更多钱进来之前需要做什么。预算的重点是控制、意识和意图，而意图只能通过关注手头的钱来获得。年度预算并不能避免错误，错误发生在两次发薪日之间的周末。许多信用卡透支是由于资金时间错配造成的。应该提前规划较大的、不频繁的支出，并让未来的自己参与到当前的财务决策中。即使收入不错且储蓄良好，预算也能帮助更好地管理资金，避免资金时间错配导致的意外支出。缺乏对资金的意识和意图会导致资金流失。YNAB 的四个预算规则：给每一笔钱分配任务、拥抱真实的支出、改变主意、让你的钱成熟。YNAB 的第四条规则——让你的钱成熟，是一个衡量你距离月光族有多远的指标。YNAB 的方法可以用在任何工具上，包括电子表格或纸张。YNAB 软件的一些优势：追踪资金年龄、手机端便捷性、与银行账户同步。预算管理可以在碎片化的时间内完成。最大的技巧是确保你的钱用于你重视的事情。利用税收优惠策略最大化退休储蓄，例如Mega Backdoor Roth或Backdoor Roth策略。1% 规则：每季度将退休金缴款增加 1%，逐步提高储蓄率。与家人一起共进晚餐，并进行交流，对家庭关系有益。 Chris Hutchins：与 Jesse Mecham 探讨了预算的意义和方法，以及如何平衡享受生活与财务规划。

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Jesse Mecham discusses why budgeting often gets a bad rap and how it can be more freeing than restrictive by allowing you to spend on what you want without guilt.

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#16: Entrepreneur and budgeting pro Jesse Mecham joins Chris to talk about why you need a budget regardless of how much you make. They also discuss about why budgeting gets a bad rap, how to make it easy, why you might be doing it wrong and some of Jesse's top family hacks.

Jesse Mecham is the founder and CEO of You Need A Budget (YNAB), one of the best budgeting tools in the market today. He started the company in 2004 as a side hustle and it now supports over 100,000 customers. He's also the host of the YNAB Podcast) and author of the bestselling book You Need A Budget).

Full show notes available at: https://www.allthehacks.com/easy-budgeting-jesse-mecham)

 

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Resources Mentioned

Try out YNAB: Free Month Offer)

Connect with Jesse Mecham: YNAB Podcast) | Website) | Email)

Roth IRAs: Backdoor Roth IRAs) and Mega Backdoor Roth IRA)

 

Full Show Notes

(00:18) Who Is Jesse Mecham?

(01:36) Why Is the Idea of Budgeting Associated with Negative Feelings?

(02:56) The Stress of Figuring Out What You Can and Cannot Afford

(05:00) Do You Have to Look at Past Spending Before You Create a Budget?

(12:19) Why You Need a Budget Even If You Make a Good Income

(15:08) Four Rules of Budgeting

(17:26) Should You Use a Spreadsheet or an App to Create Your Budget?

(22:10) How to Budget and Save When You Have a Big Family?

(27:55) How Did Jesse Become the YNAB Guy? (You Need a Budget Origin Story)

(31:51) The Biggest Hack of All (According to Jesse)

(34:02) A Nerdy Investment Hack (Get Tax-Free Money!)

(38:18) The 1% Retirement Investment Rule

(41:10) Life Hacks That Make Jesse's Life More Convenient

(42:56) How to Connect with Jesse Mecham

 

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