EP15 Money Stories: Unconventional Job? No Problem. A Lifetime of Budgeting Wisdom from Nina Clark
The Jesse Mecham Show
YNAB
4.7 • 1.1K Ratings
🗓️ 28 March 2022
⏱️ 25 minutes
🧾️ Download transcript
Summary
Nina Clark grew up in a large family tight on money, but with a mother who was very good at budgeting and stretching a dollar. Nevertheless, she wasn't taught anything about money growing up, so she learned her money lessons the hard way: overdrafting her checking account and racking up debt at a young age. Things got more complicated when she went through a divorce and became a single mother. Ever determined and positive, Nina regained her financial footing and became a seasoned budgeter with a little help from YNAB.
Nina's story is also unique in that she's never worked conventional jobs, and never made much money, so she had to budget carefully to pay off her debts. While working various jobs, she started a bookkeeping service to supplement her income, throw extra cash at her debt each time she landed a new client. Nowadays, Nina's budget is helping her save for retirement, travel, and help her daughter travel the world as well.
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Transcript
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| 0:00.0 | Hello, Wine Evers. My name is Jesse Meakum with another episode of The Wine Evers podcast, |
| 0:17.0 | where we teach you four rules to help you stop up in the paycheck to paycheck, get out of |
| 0:20.0 | debt, and save more money. Today, I'm very happy to have with me on the program, Nina. |
| 0:25.0 | She wants to share her money story with you. We talk a lot about, well, budgeting, who would |
| 0:32.0 | have thought. But what's very cool about Nina's story is, frankly, just the can-do attitude |
| 0:39.0 | with which she approached her situation. We talk about what it was like for her to grow up |
| 0:44.0 | in a house where the parents managed meager money very well, but weren't exactly forthcoming |
| 0:50.0 | about it, and so Nina didn't really learn a lot of the lessons that were necessary, |
| 0:55.0 | mishap with checks and credit cards later in life, but nothing that she couldn't recover from. |
| 1:01.0 | So we talk about her journey to get out of debt, her somewhat unconventional work life, |
| 1:07.0 | and how that all has come together to where she has learned a new, the right way to |
| 1:14.0 | think about money and that's enabled her to pass that along to the next generation to her |
| 1:20.0 | children, as well. So it's just been so enjoyable to be able to chat with Nina and hear her |
| 1:26.0 | story. I hope you learn from what she has done and that you also get something out of the |
| 1:31.0 | story that you can take and apply in your own financial situation. So without further ado, |
| 1:38.0 | here is my conversation with Nina. |
| 1:41.0 | Nina, welcome to the YNAB podcast. Glad you're here. |
| 1:47.0 | Thank you. Thank you for having me. I'm delighted to hear. |
| 1:51.0 | I love doing these money stories. I love hearing just, I love hearing the stories. |
| 1:55.0 | So maybe to give everyone a little bit of context and kind of to color your story, |
| 2:00.0 | tell everyone a little bit about yourself. |
| 2:02.0 | So my name is Nina, and I'm 64, well, 64 years old, almost 65. |
... |
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