Hello, whinnevers. My name is Jesse Meekham and this is podcast number 141 for you need a budget where we teach you four rules to help you stop living paycheck to paycheck, get out of debt and save more money.

There is a phrase that floats around personal finance all the time.

Live within your means. And it's a good thing.

When I read richest man in Babylon back when I was 14 maybe, I think that's

one of the rules, live within your means. It's sound. It means that you can save more. It means that you can pay off debt, which is saving more.

It means you can really make progress. You don't make progress until you're living within your means. And

progress right there is valid and something to shoot for. But living within your means is so much more than that and it really means opportunity.

The opportunity that I'm thinking of, just personal experience only at this point, was when

Taylor, who's now our CTO, wrote to me back in February of 2006. I had been selling Wienab as a spreadsheet for $20 a pop and

been doing that for about, that would have been 18 months that I've been doing it.

It was a little side thing I had done it so I could make rent and keep things afloat.

Have Julie be able to stay home with our new baby which was made possible. We also had another baby that was quickly

on his way. So Wyanab was doing very well from the standard of a college student finishing up his accounting degree and trying to get a CPA license.

So I was 06, I was wrapping up in April with my master's degree in accountancy and had my site set on that

CPA exam and Taylor writes me an email I always tell people we met online that

never gets old.

So Taylor writes me and said, hey, I'm a developer

and I like your four rules and I like your spreadsheet.

I think I could help you improve the spreadsheet.

And I said, I would rather have a standalone piece of software and move on from the spreadsheet

because the spreadsheet obviously have lots of limitations technically.

So he writes back and says something along the lines of, well, because I'm a developer, I could write that software for you. I worked for Microsoft, yada yada yada. He was doing games at that point. He's working for a gaming company and negotiations ensued.

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