A weekly dose of just the right medicine to help you get out of debt, save more money, and beat the paycheck to paycheck cycle.
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Personal finance experts Ben Barlowe and Ernie Reppe get nerdy with numbers as they share budgeting tips, strategies for categorizing transactions, and lessons learned from using the revolutionary budgeting system known as You Need a Budget.
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Jesse Mecham and Mark Butler teach you how to manage your business cash flow, hone your business model, and not freak out about money.
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Spa Marketing Made Easy Podcast is a place where we share simple, proven strategies just for spa industry professionals, to help you get more clients in the door so you can create a life you love.
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Pay attention - not interest. For most, that’s all it takes to get their money under control. That’s how Steve and his wife got out of debt completely - even the mortgage…and you can too! Your host, Steve Stewart, shares his extreme-but-proven ways that money really works. The show isn’t just about making a Money Plan (aka: a budget). Steve also explains what’s really wrong with credit cards and credit scores (spoiler alert: It’s not what you think). You’ll also learn about rich habits, how ...
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Discover a more Potent life. Welcome to Potent, the podcast where we explore transformative ideas and practices to help you live into your unique potential and build a more potent life. By exploring ideas and practices from expert thinkers and practitioners in psychology, business, personal development, and spirituality we provide you with new and old ideas + tools for building a full(er) life. Sponsored by monkmanual.com
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Join Roni, Plan to Eat's resident meal planning expert, for conversations about meal planning, food, and wellness to help you save time in the kitchen, reduce your grocery bill, stress less about food, and delight in dinnertime! Sign up for a free trial at plantoeat.com or contact us at podcast@plantoeat.com.
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I swear, I don't complain often, oh wait ... This is all about complaining ... Never mind
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The Young Money Podcast is a show where we discuss our relationship with money. Your hosts, JP & Adriann, will be covering a range of topics: from how we first learned about money to how we spend our money now. Over the course of biweekly episodes, we hope to have guests that will discuss their relationship with money and how it shapes their lives. If you're looking to know more about how people manage their money and hopefully learn from these honest discussions, this show is for you.
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Jesse shares a YNAB win from his strength coach, Andrew, who is an avid YNAB'er. Andrew was shopping at REI when he ran across a pair of returned ski boots that were marked way down. They fit perfectly. Normally he would hem and haw over a purchase like this, but because he had been slowly funding a category for new ski boots the money was there. N…
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#97 - What If YNAB Paid You to Use It? And Other Sketchy Ideas from Ben Markley (Sketchy Advice)
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On today's episide Ben and Ernie welcome another Ben to the show -- Ben Markley, host of YNAB's Sketchy Advice series on YouTube. Ben has a reputation for striking metaphors and thought provoking ideas about money and putting YNAB's principles into daily practice, and today he shares some of his favorite ideas, including: Why you should go ahead an…
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Your sales are going great, and you’re expecting one of your spa's highest revenue months yet, but when it comes time to do your monthly bookkeeping, what you brought in seems to have flown out the door just as fast. Does that feel familiar? Whether it’s constantly feeling like you’re in a state of catch-up with your business finances, or you hones…
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This week's episode is a rerun of Episode 38 with Erin Lowell! Erin Lowell is the Education Manager for You Need a Budget, a budgeting app and website. Our conversation with Erin covers the four rules of the YNAB system of budgeting, meal planning, cooking and meal planning for one, budgeting tips for the grocery store, and tons of practical advice…
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As a brick-and-mortar spa owner, you have the great advantage and opportunity of using nearly every avenue of marketing to benefit your business. Digital marketing and advertising, grassroots and in-person events marketing, and both online and offline strategies are available to you, but the backbone of all marketing is going to be your bread and b…
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One of the interesting parts of working at YNAB is you get to observe human behavior related to personal finance. As Ben and Ernie have noticed over the years, YNAB'ers tend not only to reach their financial goals -- such as paying off debt or saving for a big purchase -- but also complete a number of other goals at the same time. There's something…
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Does completing ten menial tasks compare to completing one meaningful task? On today’s solo episode of Potent, Steven explores the process of how to best prioritize essential tasks by zooming out on life goals and reducing unnecessary actions, as well as challenging the notion that doing and being are mutually exclusive, advocating for a harmonious…
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Por Daniela Woerner
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Many people bemoan the fact that they don't earn more money. But what baffles many who eventually do earn more money, is that it doesn't fix any of their financial problems! There is no income that cannot be outspent. Put another way, broken spending habits lead to broken spending, and when you have more money, that just leads to more broken spendi…
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The algorithm has come to rule media, and it is a voracious beast. It consumes as much content as people can create, as often as they can create. The ones who rise to the top seem to be those who create the most content, on as many platforms as possible, but what do the economics of this look like? Mark asks the question whether playing the content…
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This is a rerun of Episode 69 with Carly and Carmen of Radiant Knowing! A Nutritionist and Dietitian duo, Carmen and Carly help women unlock the clarity and confidence they need to nourish their bodies holistically and age-proof their health while creating a simple and sustainable plan for feeding their family. They love to help moms revolutionize …
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Retail sales are a big chunk of your spa’s revenue, and while you may feel like you’re maximizing your sales opportunities in the spa, the truth is, if you don’t have an online storefront for your retail, you’re leaving a lot of money on the table. Back on the podcast to talk all things spa e-commerce and retail sales utilizing the power of the Sho…
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The first habit of YNAB is to give every dollar a job. We tend to think of it purely as a spending exercise, as in, what do these dollars need to do for me? Buy clothes, groceries, pay the rent, etc. But Jesse points out how this process of giving your dollars jobs can help you find more meaning in your earning, not just your spending. When you kno…
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Making Sense (Part 1) | Andy Hickman
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Making Sense (Part 1) | Andy Hickman What are your emotions really trying to tell and how can you use them to teach you? On part one of this two-part episode of Potent, Steven is joined once again by Andy Hickman, founder of hēl, as they explore self-awareness and personal growth through a live therapy workshop, highlighting the mapping of experien…
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Money sinks its tentacles into nearly everything, and those tentacles can feel like, well, tentacles, or they can feel like rainbows. Jesse wants you to look at money and see rainbows, blessing all the facets of life that money touches. Got a question for Jesse? Send him an email: askjesse@ynab.com Sign up for a free 34-day trial of YNAB at www.you…
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Jesse shares one of his recent experiments, inspired by a guest on the Art of Manliness podcast. The challenge was to delete the apps on your phone, especially the ones you feel a "pull" from -- a pull to open it and check it every time you see it (most social media apps would meet this criteria for most people). As Jesse explains, phones don't jus…
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The magic “million dollar mark” is a goal my team and I frequently hear within our coaching programs and among our Spa CEO students and clients, and for good reason. Being a seven-figure business owner is a huge accomplishment, one that many small businesses don’t achieve, especially women (a statistic we’re set out to change among spa owners!). Ho…
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Frugality is a virtue. At least, that's what many people in the financial space would claim. Being frugal is commonly seen as a good thing, presumably because it enables you to save more money. The environmentally conscious might see value in frugality as a means to reducing overall consumption. YNAB, one could argue, aims to make you more frugal. …
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Ben and Ernie get a handful of recurring questions that aren't quite big enough topics to make into their own episode, but nevertheless deserve to be answered! In today's show, they tackle some of those questions, including: What does Ben mean when he talks about the "matchy matchy game?" Helping kids learn to budget Should you have separate catego…
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TITLE: What's the Purpose of Your Money | YNAB Founder Jesse Mecham Do you have trouble in your relationship with the money you earn? On today’s episode of Potent, Steven is joined by personal finance expert and founder of YNAB, Jesse Mecham, to discuss the philosophy and principles of YNAB (You Need a Budget), an app designed to help users align t…
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“It’s one-click to get this, that and the other, so we really need to do a deep-dive and check in a few times per year to really make sure we’re scaling back and focusing on not wasting." That’s just one of the nuggets you’ll glean from this week’s episode, which is all about lowering your spa’s operating expenses. Beyond making more sales, the oth…
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Jesse shares a story about taking a group of kids hiking, and coming down with altitude sickness on the first day. He could have quit, but he figured out a way to re-route the hike where he could safely get through. It's not so different when working with personal finances. It's tempting to just quit when things get hard, or road blocks come up, bu…
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On previous epsidoes, Mark and Jesse have discussed the importance of scarcity, and how limitations drive creativity. Mark even goes so far as to argue creativity can't exist without limitations! YNAB, then, is a tool for viewing reality through the lens of money -- a reality mirror if you like. By understanding the tradeoffs you are making with yo…
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Andrea, her husband Gary, and their four children live on their family farm in the Chuckanut Mountains of Western Washington. They enjoy running a small campground and summer event space, raising animals, and a small garden for food production. Andrea is co-host of the Ancestral Kitchen Podcast which supports families in their pursuit of cooking mo…
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SMME #391 Discussing Vitamin A with Toni Lee Roldan-Ortiz, L.E. - National Master Trainer and Sales Manager for DermaConcepts
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While I no longer work in the treatment room, I’m an aesthetician at heart, and when I attended a recent DermaConcepts event in the DMV area, I had the pleasure of sitting in on one of Toni Lee Roldan-Ortiz’s presentations focused on the unique science of Vitamin A delivery that DermaConcepts delivers through their Environ line. I gleaned a ton of …
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Big financial goals are great. It's what we live for at YNAB! But, life happens in between those big goals, and Jesse reminds you that it's ok to spend some money "in the meantime." Got a question for Jesse? Send him an email: askjesse@ynab.com Sign up for a free 34-day trial of YNAB at www.youneedabudget.com Follow YNAB on social media: Facebook: …
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#95 - Managing Variable Income as a Busy Graduate Student: Jasmin Green, PhD Student UC Davis
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The Budget Nerds have covered the spending habits of a lot of married folks with families, but what about the single people out there? In today's episode, Ben and Ernie speak with Jasmin Green, a PhD student in the Department of Plant Sciences at UC Davis. Jasmin is an avid YNAB'er, who credits the methodology with keeping her bank account in order…
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Sales – the lifeblood of business, but the thing that makes most Spa CEOs shrink back for fear of being too salesy, slimy, pushy, insert any other cringe-inducing adjective here. Even if you’ve forced yourself to bite the bullet with selling and muscle through it, I promise sales conversations don’t need to be something you fear or white-knuckle yo…
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Jesse shares a fun way to handle "fun money" from long-time YNAB software engineer Kyle. Kyle suggests creating separate bank accounts for fun money with separate budgets as well. His method evolved from the desire to keep the visibility of fun money separate from his spouse, so they could 1.) take any judgment or guilt away from spending fun money…
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Mark and Jesse discuss YNAB's recent price increase, and the psychology of customers around pricing. You can't make everyone happy, whether you justify the price increase by citing your own increased costs or by plainly stating your price increase without explanation or caveat. Jesse points out that some customers that have complained about the pri…
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Stephanie is the creator of Mommy Standard Time, a blog designed to help families save minutes and savor moments. After going through breast cancer treatment as a young mother of three, she realized that life was too short to be spending so much time on chores! She is always on the lookout for ways to save time on day-to-day tasks, especially meal …
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What’s holding you back from reaching your fullest capability for creativity? On today’s episode of Potent, Steven is joined by Syracuse University’s Professor Elizabeth Wimer to discuss a range of topics from providing practical advice for avoiding burnout, to understanding the Pareto principle to identify impactful relationships, fostering creati…
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We love to talk strategy and marketing here on the Spa Marketing Made Easy podcast, but every now and again we bring you a “talk shop” style episode with a focus on a new aesthetic product or modality that we think is worth the buzz. In this week’s episode, we have return guest, Jaclyn Luongo, joining us on the mic to share all about PDO Max’s new …
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We organize our lives by the calendar, and the calendar is organized into months. It's no surprise then, that we tend to think of finances in terms of months -- monthly payments, monthly contributions, having 3-6 months of expenses saved. The month has a lot of utility, but it is an arbitrary division of time. Jesse examines how the month can be us…
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Getting a month ahead with your money is a milestone for many YNAB'ers. Being a "month ahead" means that when the first of the month hits, all your bills and expenses for that new month are already paid for -- the money for them is sitting in your bank account, and assigned to the respective categories in YNAB, waiting to cover those costs. And boy…
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Tracking and assessing your KPIs (Key Performance Indicators) is a critical Spa CEO activity, and while there are many KPIs to keep your eyes on, there’s one particular KPI that plays a foundational role in your spa’s overall success and profitability, which is why I’m giving focus to it in its own podcast episode. In this episode of Spa Marketing …
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Mark and Jesse reminisce about the early days of YNAB, and a conversation over lunch in which Mark gave Jesse (what he thought was) sage advice -- to raise prices. Genius right? Jesse recounts how they raised prices in the earliest incarnations of YNAB's product, from spreadsheets to software to software-as-a-service. He also candidly breaks down a…
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Jesse waxes poetic about Costco and how simple their model makes purchasing decisions. He also brings up the point that we often spend a lot of time searching for the best deal, for that one hot tip that will maximize our dollars for a certain purchase. Our time and attention is a resource as well, and perhaps we should just go buy the thing, and b…
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Diana Rice is a certified, intuitive eating counselor and a certified parent coach with a mission of helping families enjoy a healthy relationship with food. Her online platform is Anti-Diet Kids where she teaches parents how to bring the concept of intuitive eating and rejecting diet culture into their parenting. Diana and I talk all about anti-di…
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Do you know the real cause of why you procrastinate? On today’s solo episode of Potent, Steven tackles the concept of procrastination, and how while many may view it as a lack of discipline, in reality it’s more rooted as a fear response. Through his experience with the Monk Manual and coaching entrepreneurs over the years, Steven identifies patter…
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