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The YNAB Podcast

You Can Stop Second Guessing with Money

The YNAB Podcast

YNAB

Consolidation, Total, Budget, Dave, Peace, Money, A, Education, Ynab, Finance, Bankruptcy, Makeover, Fpu, Software, Management, Personal, Need, Ramsey, Financial, University, Debt, Kids & Family, You

4.71.1K Ratings

🗓️ 10 July 2025

⏱️ 6 minutes

🧾️ Download transcript

Summary

We talk about how YNAB is the ultimate weapon against money stressors -- as you gain control over your spending, learn to give every dollar a job, and bring your spending in line with your priorities, the stresses decrease and are replaced by a growing confidence. There are other psychological "costs" of money, such as the anxiety and mental overhead created by second guessing your choices.

 

Should I buy this? Can I even afford it? Should I have bought that? Is this what we should be doing right now? YNAB gives you the freedom to act, to spend your money confidently without second guessing every decision.

 

Like Jesse and his GE upright freezer, it doesn't mean you'll never regret your purchases, but you won't second guess the fact that you spent the money!

 

Watch The Jesse Mecham Show on YouTube:

https://www.youtube.com/@jessemechamshow

 

Got a question for Jesse? Send him an email:

[email protected]

 

Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

 

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Transcript

Click on a timestamp to play from that location

0:00.0

Hello, my name is Jesse Meekam with another episode of the Jesse Meekam show,

0:16.9

and I'm here each week to obsess out loud about spending purposefully saving aspirationally and giving joyfully.

0:22.6

It all comes down to just giving every dollar a job.

0:25.6

And that is done with five questions.

0:28.1

And that leads to living spendfully, which, at the root of it, when you are really experiencing

0:35.7

spendfulness, you are experiencing the absence of something.

0:40.0

And that absence is second guessing.

0:43.5

You do not feel this nagging, ever present, always on, back of your mind, just annoying little, can we afford annoying little can we afford that could we afford that

0:58.4

were we supposed to have bought that should i be doing this what about next week what about that

1:04.0

bill on the counter what about that bill stuff deep into the bottom of my sock drawer that all

1:10.4

goes away.

1:11.6

And this came about at dinner we did prior to the fan fest,

1:15.6

and I mentioned that last week also,

1:17.5

where Todd, our CEO was talking about this lack of second guessing,

1:22.4

which sometimes people will confuse with,

1:30.1

like, they'll equate it with buyers remorse.

1:35.7

They're like, wait, so you never can think, oh, I shouldn't have bought that, like when I bought my GE freezer.

1:38.7

And, no, I regret it.

1:40.5

I fully regret it because it died.

1:45.7

It died at 11 months, still within warranty, but it's just not worth it.

1:49.6

It's not very fun to have all of your meat defrosting while you're out of town.

1:56.1

So that brand was GE specifically, the one that died in 11 months.

...

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