Why Is It So Freaking Hard to Save Money? (And How to Make It Easier)

The Jesse Mecham Show

Вміст надано YNAB and Jesse Mecham. Весь вміст подкастів, включаючи епізоди, графіку та описи подкастів, завантажується та надається безпосередньо компанією YNAB and Jesse Mecham або його партнером по платформі подкастів. Якщо ви вважаєте, що хтось використовує ваш захищений авторським правом твір без вашого дозволу, ви можете виконати процедуру, описану тут https://uk.player.fm/legal.

21d ago 6:38

MP3•Головна епізоду

Saving vs spending... there's no question which one is more fun, right? Obviously, spending! By comparison, saving feels like a chore, something you ought to do, the responsible thing to do, but is definitely less fun. After all, you get something when you spend -- an item, an experience, a service. With saving you get, well, just more money in a pile somewhere.

As Jesse points out, no one says "I have a saving problem" but you hear "I have a spending problem" all the time. It's because spending is concrete. It has weight to it. Spending has a clear line to the value of the money being spent and what you value in the spending of it.

Saving money is actually a misnomer. All money exists to be spent, whether it's now or in the future. Savings is really just spending that will take place in the future. When you follow the YNAB method and give every dollar a job, including your "savings" dollars, you are planning for how you will spend that money in the future. You're making your savings concrete, putting a vision behind those dollars.

When you reframe the idea of saving like that, all of a sudden it becomes much easier to do!

Watch The Jesse Mecham Show on YouTube:

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

Got a question for Jesse? Send him an email:

[email protected]

Follow YNAB on social media:

Facebook: @ynabofficial

Instagram: @ynab.official

Twitter/X: @ynab

Tik Tok: @ynabofficial

778 епізодів