What if becoming "good with money" had less to do with spending less—and everything to do with learning how to spend well?

In this episode, I'm joined by Jesse Mecham, founder of the budgeting software YNAB and author of the new book Never Worry About Money Again. Jesse has helped millions of people change their relationship with money, and his approach challenges much of what traditional personal finance has taught us.

The central idea is simple but powerful: Money is meant to be spent.

Every money decision is ultimately a spending decision. Saving is spending later. Investing is spending much later. Giving money away means choosing what mission or person will spend it next.

So instead of asking whether spending is good or bad, Jesse encourages us to ask one three-word question: What's it for?

That question helps you move away from guilt, deprivation, and financial confusion—and toward clarity, confidence, and intentional spending.

In this conversation, we discuss:

• Why being good with money is a learnable skill
• What Jesse means when he says "your money is you"
• Why earning more does not automatically eliminate money worry
• How restrictive budgeting can make you feel trapped rather than empowered
• Why there is rarely such a thing as a truly "surprise" expense
• How to stop living paycheck to paycheck by getting one month ahead
• Why your spending should reflect your values, personality, and current season of life
• The difference between spending based on social expectations and spending authentically
• Why more money only amplifies the spending habits you already have
• How to spend money you actually have instead of relying on future income

If you earn good money but still experience the constant low-grade hum of financial stress, this episode will help you rethink what's actually causing it.

You may not need more money. You may need to decide what the money you already have is for.

Learn more about Jesse's new book here.

Start your free 34-day trial with YNAB here.