Jesse Mecham - You Need A Budget

<p><span style="font-weight: 400;">In today’s episode, our guest is Jesse Mecham, CEO of You Need A Budget. He guides individuals as to how to spend and budget their money correctly. Growing up, Jesse had a situation where he needed to figure out how to earn money for his growing family and meet their needs. In doing so, he created a spreadsheet that could help people budget their money which led to the creation of his company, YNAB. Today, he will share with us his journey and how he helps people stop living paycheck to paycheck, get out of debt, and save more money. </span></p> <p><span style="font-weight: 400;">[5:29] </span><strong>Why should we listen to you?</strong></p> <p><span style="font-weight: 400;">I have a hard time leading with what my work is. I am a father of 7 kids, and people usually ask me about them; people might ask where they came from, but if we talked about what gets me up in the morning, I run a little business to teach people how to think better about their money. </span></p> <p><span style="font-weight: 400;">[7:53] </span><strong>How did you come up with this business?</strong></p> <p><span style="font-weight: 400;">It was born out of necessity. I just turned 22 when I got married, three years left to schooling. I planned to become a CPA, become a partner, and make a quarter-million dollars eventually. My wife works in a social work profession. I built this little spreadsheet for the two of us to watch what’s going on. My first child is coming, landing here is imminent, and wanting my wife to stay home to be a full-time mom, I do not want to borrow money for school. I worked part-time as an intern, and we were scraping until we want to do a pullback on her income. I thought I am short of making it through the next two years, so maybe I could sell the spreadsheet we are using. I talked to a friend who sold goods online and was told that I could sell them. That gave me the thumbs up to do it. I told my wife that I am giving it a shot and ran some ads on Google AdWords.</span></p> <p><sp