Joining Erica today is Jesse Mecham the founder of YNAB. He teaches individuals, families, and business owners Four Rules for thinking about their money in a whole new way. While broke and a newly married college student, Jesse launched his original software as a spreadsheet...and it made money. (The software has come a long way since then.) When not teaching people how to budget, Jesse loves gardening, CrossFit, marksmanship, and travel. He also spends a good bit of time with his wife and the six small people that live in their house with them.