Ever Thought About Money at 3AM?
The Jesse Mecham Show
YNAB
4.7 • 1.1K Ratings
🗓️ 11 September 2025
⏱️ 6 minutes
🧾️ Download transcript
Summary
Money shouldn't keep you up at night, and it doesn't have to! Giving every dollar a job and asking yourself five questions about what your money needs to do not only grows your bank account, it gives you peace of mind (and better sleep)
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Transcript
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| 0:00.0 | Hello, my name is Jesse Meekam with another episode of the Jesse Meekam show, and I'm here each week to obsess out loud about you no longer obsessing or worrying about money, |
| 0:23.7 | especially, especially not at 3 a.m. |
| 0:26.1 | The trick, the magic is to follow the YNAB method, |
| 0:29.2 | and that is merely to give every dollar a job. |
| 0:34.4 | If you want to know how good you are with with money a good reality check is to ask yourself |
| 0:41.2 | if you've thought about money at three a m um my last one that um it was interesting because it related |
| 0:52.8 | to really a big life decision we were making and I felt |
| 0:57.6 | myself drawn to go back to Wynab and just kind of get a pulse of things. What was I seeking? |
| 1:03.9 | Clarity. And what you are lacking when you are worried about money is clarity. Is there enough? |
| 1:10.5 | How will things work out? There's a strange noise |
| 1:13.0 | coming from the car and it moves from the front to the back of the car. My word, what is that? |
| 1:18.1 | Or in our case, the dryer is tumbling, but when you open the door, there's no heat. And then the |
| 1:23.9 | repairman comes, but he brought the wrong part. And so you're a few more days out still. |
| 1:28.7 | But does that worry you? |
| 1:30.4 | Are you wondering, where will this money come from for this repair? |
| 1:33.2 | Or do you have clarity where you've given every dollar a job? |
| 1:36.5 | And one of those jobs was just to wait for that Bosch dryer to go out. |
| 1:43.8 | And to be fair, we've had it for a little while, so that's not a total knock on Bosch |
| 1:48.0 | dryers. |
| 1:49.3 | Maybe you are just, you have this nagging feeling of like, man, I've just been dipping |
| 1:54.9 | into savings too much, or why can't I chip away at this debt, or whatever it is? |
| 2:00.5 | The fact of the matter is, if you're thinking about it at 3 a.m., |
... |
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