20 Enjoyable Information to Have fun 20 Years of YNAB


This put up is a part of YNAB’s twentieth Anniversary sequence. Cheers to twenty Years!

Twenty years in the past, Jesse Mecham created a teensy spreadsheet to assist make hire and graduate faculty debt-free. That little aspect undertaking sparked one thing a lot greater: a worldwide motion, difficult centuries of monetary misconceptions and reworking cash from a crucial evil into a chance to specific who you might be and who you need to turn out to be. Effectively, we’re getting there.

It sparked YNAB: an app and group the place individuals love how they spend and see cash as a mirrored image of what actually issues.

To rejoice our twentieth anniversary, we’re trying again on the stunning moments which have formed YNAB into what it’s as we speak. We’re not simply 20 years younger—we’re 20 years sturdy, with a fan base that’s grown with us each step of the way in which. 

I sat down with Erin, one in all YNAB’s veteran lecturers, to dig up 20 little-known information from our final twenty years, which in some way really feel each weirdly lengthy and shockingly quick. (Wait, wasn’t 20 years in the past 1980?)

From the beginning of staff board recreation nights to Jesse’s notorious mortgage haircut, these moments offer you a peek behind the scenes at what makes YNAB… YNAB. So, seize a comfortable seat and perhaps a Wine Hamburger (it’ll make sense quickly)—listed below are a handful of information you in all probability didn’t learn about YNAB. 

Even die-hard YNABers (taking a look at you with the personalised license plates and tattoos) are sure to study one thing new.

Did You Know?

1. Our first sale was… a refund. Nailed it!

Our very first sale went to a Mac consumer—besides YNAB didn’t work on Mac on the time. Jesse needed to difficulty a refund virtually instantly. A tough begin, nevertheless it sparked the drive to make the unique YNAB spreadsheet work for everybody.

The original YNAB spreadsheet
Sure, after all the orignal YNAB spreadsheet was color-coded.

2. Jesse wasn’t the primary full-time rent

You’d assume the founder can be the primary full-time worker, proper? Truly, Taylor Brown, our Expertise Fellow, was YNAB’s first full-time rent. Jesse waited his flip!

3. YNAB Professional was constructed and not using a single in-person assembly

When Jesse and Taylor constructed the primary software program model (YNAB Professional), they did all of it by emails and telephone calls. A whole lot of emails. And a number of telephone calls. They hadn’t even met in particular person but—a real distant work basic earlier than distant working was even a factor.

4. The 4 Guidelines had been re-mixed at first

YNAB’s 4 Guidelines weren’t at all times of their present order. Rule 4 was once Rule One, and all the things else was shuffled too. However after a couple of tweaks, we discovered a lineup that has served us properly.

The original 4 Rules of YNAB

5. Jesse’s first advertising marketing campaign was hyper native

When Jesse began to comprehend he was onto one thing with YNAB, it was time for a advertising push. He printed out posters and taped them up on each ground of each constructing in his and Julie’s condominium advanced. Grassroots advertising at its most interesting!

6. Costa Rica kicked off our board recreation custom

In 2014, we held a staff retreat in Costa Rica. Feels like a beachy dream, proper? Seems, we spent extra time enjoying board video games within the resort foyer than lounging by the ocean. It was the beginning of a now-legendary staff custom.

7. YNAB is a part of worker advantages packages far and vast

The YNAB staff realized that cash stress is not actually a part of our lives… as a result of all of us use YNAB. In 2021, we began working with employers to supply YNAB of their firm advantages packages. We love seeing groups ‘around the world take pleasure in much less cash stress and produce their finest selves to work.

8. Jesse by chance took the app down

Jesse as soon as determined to change the title servers for YNAB himself. Unhealthy thought. The entire app went down. After that, we made certain Jesse now not had entry to the title servers. Disaster averted.

Jesse apologizes for switching name servers

9. Hannah’s first video and the beginning of Finances Nerds

Hannah’s first video for YNAB debuted on January 31, 2020, the place she launched the Want Farm. Later that yr, Finances Nerds premiered on August twenty fourth with an episode about month-to-month rollovers. Our nerdiness and YouTube-ness has solely grown from there.

10. The YNAB home (and Perk the cat)

In 2015, YNAB purchased a home in Lehi, Utah, often known as “The YNAB Home.” Jesse and the HR staff labored there—and so did Perk, a cat they adopted. Why Perk? He was our “work perk,” after all. He’s now residing his finest life with one in all our Operations staff members.

Perk the YNAB house cat

11. 4-day work week, anybody?

In 2022, YNAB adopted a four-day work week. The end result? Extra steadiness, extra focus, and extra time for these epic board video games. YNAB has been listed because the #1 Finest Small Office in Fortune’s Prime Locations to Work, not as a result of YNAB is your life, however exactly as a result of it’s not. Seems, we’re simply as productive (and far more recharged).

12. We love stunning our staff

YNAB doesn’t skimp on items. Birthdays and large life occasions are celebrated with considerate, personalised surprises. We consider it’s the little issues that make individuals really feel appreciated.

Caitlin with gifts

13. Jesse’s mortgage haircut problem

In case you’ve watched Whiteboard Wednesday movies from the yesteryear days of YNAB, you may’ve seen Jesse’s hair getting longer and longer. That’s as a result of he vowed to not lower it till he paid off his mortgage. By episode 65, the mortgage was gone—and so was his hair. This earlier than and after pic is about to go viral, I can really feel it.

14. Our first cellular app was iPhone-only

Our very first cellular app? Solely obtainable on iPhone. Why? We didn’t have any Android builders on the time. Begin easy, preserve enhancing—that’s the YNAB approach.

15. A world staff of YNAB lovers 

YNAB has come a good distance since Jesse’s first spreadsheet. In the present day, we’ve got 142 U.S.-based staff and 35 worldwide staff members unfold throughout 12 nations. Yet one more quantity to throw at you: a whopping 65 of our staff members share a reputation. (Myself being amongst 4 Emily’s at YNAB, sufficient to create an “Emily Bus” emoji.)

16. “Wine Hamburgers”—sure, please.

Closed captions don’t at all times get “YNAB” and “YNABers” proper—the truth is, they typically interpret our lingo as “Wine Abs” and “Wine Hamburgers.” Naturally, our group embraced it. And naturally, we made merch. (Strive explaining a Wine Hamburger t-shirt to the stranger on the grocery retailer.)

Wine hamburger t-shirts

17. Julie named YNAB

The title You Want a Finances? That was Jesse’s spouse, Julie’s, thought. Jesse was caught on what to name his spreadsheet when Julie merely advised, “How about ‘You want a price range’?” And identical to that, YNAB was born.

18. April Idiot’s shenanigans

YNAB loves April Idiot’s prank. From Push Notifications to Purchase Now, Pay Later to YNAB for Pets and even AI, we’ve had loads of laughs. However Jesse’s 2015 prank, the place he pretended to alter Rule Two to “Divide by Twelve,” triggered various confused faces.

19. Our faculty program has given away virtually 100,000 years of YNAB

Via our faculty program, we’ve given away practically 100,000 free years of YNAB to college students. That’s a complete lot of future monetary freedom being constructed on campuses, and a number of pizza being prioritized within the ol’ spending plan.

20. We even made a YNAB staff cookbook

The YNAB staff put collectively a cookbook that includes our favourite recipes. Oh, and bonus enjoyable reality? We rewrote an whole playlist value of in style songs and made them songs about cash. As a result of good meals and singing songs about spending on what you like? It’s the spice of life.

So there you have got it. Twenty information for 20 years—and we’ve got you, pricey YNABers, to thank for this unimaginable journey we’re on.


Right here’s to the following many moons of masterful cash selections, staff traditions, and many extra Wine Hamburgers alongside the way in which. Nom nom nom.

The day you begin YNABing is a day value celebrating in its personal proper. Get 34 days at no cost with nothing to lose. Plus, you may lastly get to see what all of the fuss is about.



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