1930: Smart Budgeting in 2026 and the Hidden Habits of People Who Never Worry About Money
Published: January 12, 2026
Duration: 37:53
Today’s guest is a true blast from the past — and one of the most enduring voices in personal finance.
Jesse Mecham is the founder of You Need a Budget, better known as YNAB. Jesse was last on So Money more than a decade ago — and since then, his little budgeting spreadsheet has grown into a global movement that’s now more than 20 years old.
In an industry where budgeting apps come and go — Mint, anyone? — YNAB has quietly endured. Not by promising shortcuts or get-rich-quick hacks, but by doing something far more radical: tea...