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Hello, YNABers! My name is Jesse Meekum with another

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episode of the YNAB Podcast, and I'm here each

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week to obsess. Obsess,

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people. All out loud,

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to you. About spending

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purposefully, saving aspirationally, and even

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giving joyfully. It

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all comes down to just four simple

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habits, rules, tenets, principles,

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axioms, truths, steps.

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Not really steps. But

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it's just these four things. It all comes

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down to just four simple things. And

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then the problem is, not the problem, but it

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hurt my heart the other day. Someone

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wrote in and they were, I mean,

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y'all know how I love to do this. I love

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to rave about

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YNAB. And I love

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to hear people rave about YNAB. And basically this whole

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podcast is me just raving about YNAB. And you

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know, I didn't want to break form, so I'm just going to

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rave about it more. And

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we had a very dear user write in

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a YNAB-er that basically

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was killing it. I mean, they were doing great.

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And they sounded

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so sad. And they sounded

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sad because they were kind of caught in

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this interesting spot. And I wonder if you

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also have maybe felt this, where

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they just, I

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mean, it was kind of, well, I'll just

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say it. They said,

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I just wish so badly

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that I would have found YNAB earlier. And

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for some people that are

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a little on the more seasoned side of life,

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they'll sometimes say, I wish I would have

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found YNAB earlier, but you weren't born yet.

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And they can kind of let it go. It's like, ha ha, you

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know, but it never would have happened. But

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there are others who, you

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know, they're kind of wishing they would have found it

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10 years ago, five years ago. Sometimes

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they'll say things like even three years ago if

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I would have just known and

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I just I have to say much

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like When we are first getting someone started and we tell

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them You orient

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forward you face forward look

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forward shoulders square lean

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forward we just

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immediately get people to

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not worry about the past and the

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reason is because you can't do anything about

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it and That

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sounds almost cliche But

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it is true so

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as Much

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as you wish that you had

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found YNAB even two years

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earlier or ten or whatever it may be

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You found it, you know you found

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it and you're using it. You're

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adopting the rules You're implementing

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those that new behavior that new

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way of thinking into your

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life so let's just be

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happy that you have it now you're

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rolling with it now and You're

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making progress and I mean,

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it's just no way to live life in any

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facet to be like, oh man, if only you

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know We just don't want to do that. It's

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just Why? Why

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would we what's the upside to it? What's the

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upside to? lamenting in

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that way You

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can commiserate with a friend, you know when they

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say I wish I would have found this earlier

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You just you know, you say yeah, don't

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we all don't we all and

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then you're done and you take another sip

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of your hot Drink and you move along, you know

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So it's just no way to live

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where you're sad that you didn't find it earlier. Just

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be happy you found it now And

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then to end this I mean I should really

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use the actual saying, you know The best time

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to plant a tree was 20 years ago and

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the next best time is today So

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if you're not quite getting on

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the bandwagon if you're not

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quite drinking the Kool-Aid as it were Today's

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a great day to start. And

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if you don't start today, then tomorrow

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would be a great day to start.

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Until next time, remember, no matter

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when you find them, no matter how you found out

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about it 10 years ago, 20, or two

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days ago, maybe today's the day. No

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matter when. It's just these four simple

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tenets, habits, principles, things

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that will change your life.