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b'If you find yourself running out of money before your next paycheck or if you\\u2019ve been having trouble making a dent in your debt, then you, my friend, need a budget.\\xa0\\nMy guest today is Jesse Mecham, he\\u2019s the creator of the You Need a Budget system and software and he\\u2019s just written a book about the philosophy underpinning his system. It\\u2019s called "You Need a Budget:\\xa0The Proven System for Breaking the Paycheck to Paycheck Cycle, Getting Out of Debt, and Living the Life You Want." Today on the show, Jesse tells us the personal story behind his software, why most people fail at budgets, and the myths people have about budgeting. He then walks us through the four rules of the You Need a Budget system, as well as actionable advice on how to implement them. Whether your goal is to pay off your debt or to simply get some control over your finances, this episode is for you.'