I use a simple Google Sheet with just 3 columns: Date, Amount, What. Every purchase gets logged right when it happens (takes 10 seconds on my phone). At the end of the month I add it up and categoriz...

18 votes · 3 weeks ago

Your coworker got lucky on one stock. Ask him about the ones he lost money on too lol. Survivorship bias is real. Index funds are "boring" but boring gets you to millionaire status.

0 votes · 3 weeks ago

At k you probably qualify for subsidies that make marketplace plans much cheaper. Run your numbers at healthcare.gov - you might be surprised. I pay /month after subsidies.

0 votes · 3 weeks ago

I think the better approach is to work backwards. Decide minimum savings rate (even if just 10%), pay your bills, whatevers left is "wants". Dont beat yourself up about percentages.

0 votes · 3 weeks ago

Started tracking my Poshmark sales in a spreadsheet. Cost basis (what I paid), selling price, fees, shipping. Most months Im barely breaking even or at a loss so theres nothing to tax anyway.

0 votes · 3 weeks ago

I was in the exact same boat a couple years ago. Here's what worked for me: 1. **Start ridiculously small** - I began with just $25 per paycheck. It felt pointless at first but it builds the habit. ...

0 votes · 3 weeks ago

The only real reasons to keep a big bank: 1. **Cash deposits** - if you regularly deposit cash, online banks make this hard/impossible 2. **Cashiers checks same day** - need one for a car purchase or...

3 votes · 3 weeks ago

Great position to be in! Heres the general order: **1. HSA if available** - triple tax advantage, can invest it, ,150 limit for 2024 **2. Mega backdoor Roth** - if your 401k allows after-tax contrib...

0 votes · 3 weeks ago

Finally, a realistic budget and honest ask. Here's how to actually do this: **The basics that transform your wardrobe:** **Tops ($150):** - 3 solid color t-shirts (black, white, navy) - Uniqlo, $15 ...

0 votes · 3 weeks ago

The best way to validate is to talk to potential customers before building anything. Create a landing page, run some ads, and see if people sign up. If no one cares, you saved months of work.

55 votes · 3 weeks ago