Seeing the Whole Picture When You Spend
The Jesse Mecham Show
YNAB
4.7 • 1.1K Ratings
🗓️ 19 February 2026
⏱️ 8 minutes
🧾️ Download transcript
Summary
One of the interesting effects of using YNAB is how it shapes your vision of money through multiple viewpoints. There's the spending you are doing now, when you make a transaction, then there's the tradeoff that spending causes in the future, becuase the spending you do now impacts the spening you will do in the future.
Jesse gives the example of a man going out for sushi. The $30 he spends now on the sushi is $30 that he isn't spending on Christmas presents several months from now. The juxtaposition is a bit extreme, but the point is that unplanned spending does have an impact on your planned spending, and when you start planning how to spend your money with YNAB, then you see how your decisions now are affecting your decisions later. In a word, it's clarity.
And, importantly, when you have this clarity with your money and you clearly see the tradeoffs you are making by spending on a thing or an experience now, you can now spend without guilt or fear or anxiety, because you are owning the choice and you are happy with it.
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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 spending purposefully, saving aspirationally, giving joyfully. |
| 0:22.8 | It all comes down to just giving every single one of your precious dollars a job. |
| 0:27.6 | Those dollars that you give so much of your time, energy, effort, calories, and love to. |
| 0:34.2 | That's the one, that's it. |
| 0:35.5 | That's what I'm talking about. |
| 0:36.4 | The dollars. |
| 0:40.7 | And when you spend, or I should say when you are confronted with the opportunity to spend and you are starting to get good at money |
| 0:45.7 | you will notice this really interesting thing and it is no magic trick but you will notice |
| 0:50.2 | that you're spending decisions consider more context than they used to. They weigh things differently. |
| 1:02.3 | Back in days of yore, when you were bad at money, you would be presented with an opportunity |
| 1:07.4 | to spend some money, and you would look to that one piece of information |
| 1:11.4 | that lies through its teeth to you, the bank balance. |
| 1:14.6 | You'd pull up on your phone, and you'd say, okay, I have enough in my bank balance for, |
| 1:21.0 | in my bank balance, I have enough in the bank for that purchase, and you'd buy it. |
| 1:25.5 | And then two days later, a a bill would arrive and you would realize |
| 1:28.3 | you should not have bought that thing you could not actually afford it and you're in a bit of a pinch |
| 1:33.7 | so what do you do you put that bill on the card you vow you'll never do it again you'll pay off the |
| 1:39.4 | card next month and then you rinse and repeat until you're grand in credit card debt, and I wish I were making |
| 1:45.0 | up this story, but it is a composite. That is someone that's bad at money looks at a spending |
| 1:52.7 | decision in isolation. Someone that is good at money looks at a spending decision in context of the whole picture. |
| 2:03.1 | It might be something as, you'd probably see this on TikTok or something, when you buy a car, |
| 2:09.7 | the dealership will want you to say, well, I can afford that monthly payment. |
... |
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