Welcome back to the Bar Exam Toolbox podcast! Today we are excited to speak with Jesse Mecham -- a personal finance expert and founder of You Need A Budget -- about ways to decrease spending and borrowing during bar prep and generally in life. In this episode, we discuss: How Jesse got into the field of budgeting and personal finance The YNAB "four-rule method" for managing money Thinking creatively when you're facing financial challenges and debt How to approach your community of family and friends for help Budgeting your finances with the future in mind Resources: Private Bar Exam Tutoring (https://barexamtoolbox.com/private-bar-exam-tutoring/) YNAB: You Need A Budget (https://www.ynab.com/) Podcast Episode 256: Quick Tips – Budgeting for the Bar Exam (https://barexamtoolbox.com/podcast-episode-256-quick-tips-budgeting-for-the-bar-exam/) How to Prepare for the Bar on a Budget (https://barexamtoolbox.com/how-to-prepare-for-the-bar-on-a-budget/) Why I Packed My Own Lunch for the Bar Exam (And Maybe You Should Too) (https://barexamtoolbox.com/why-i-packed-my-own-lunch-for-the-bar-exam-and-maybe-you-should-too/) Post Bar Trips on a Budget (https://barexamtoolbox.com/post-bar-trips-on-a-budget/) Download the Transcript (https://barexamtoolbox.com/episode-259-how-to-minimize-borrowing-for-the-bar-exam-w-jesse-mecham-from-ynab/) If you enjoy the podcast, we'd love a nice review and/or rating on Apple Podcasts (https://itunes.apple.com/us/podcast/bar-exam-toolbox-podcast-pass-bar-exam-less-stress/id1370651486) or your favorite listening app. And feel free to reach out to us directly. You can always reach us via the contact form on the Bar Exam Toolbox website (https://barexamtoolbox.com/contact-us/). Finally, if you don't want to miss anything, you can sign up for podcast updates (https://barexamtoolbox.com/get-bar-exam-toolbox-podcast-updates/)! Thanks for listening! Alison & Lee