Things like working together with your spouse, getting out of debt, and powering through when you just want to quit. The second half tackles the issues families face with maintaining budgets over time. My favorite sections of the book, however, came in the second half when it moved beyond YNAB’s four rules. This personal aspect makes the book accessible in a way that hard and fast traditional budgeting rules just aren’t. Even as a user of this system for years, I greatly enjoyed hearing about Jesse and his wife’s own history with money and how he developed this system.

Using real-world stories from employees of YNAB, users, and his own life, he shifts people’s perspective about budgeting as he explains YNAB’s four rules that underpin his system. This book gives Jesse a platform not to pitch his software, but to explain his philosophy in more depth. YNAB is about actually breaking the paycheck-to-paycheck cycle, even when you feel broke, funding the things that really matter to you, and accepting that there is no such thing as a normal month. YNAB users love their budgets and reach their goals because the application is built around a unique philosophy about budgeting. And while YNAB’s platform is incredibly well done, users’ love for it doesn’t stem from how easy it is to set up budget categories.

The You Need A Budget application has an astounding following. If your family wants to get out of debt, break the paycheck-to-paycheck cycle, or be able to pay for a family vacation without credit cards, You Need A Budget can get you there! What I Liked: If you think budgeting is rigid and suffocating, this book will change your perspective. This book is for anyone who has ever tried to budget and failed. Don’t let your debt balance become a yo-yoīook Review: You Need A Budget by Jesse Mecham Overall Rating: (4.0/5.0) Who Is It For:.Book Review: You Need A Budget by Jesse Mecham.

You need a budget message board