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 · Feb 21, 2026

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 · Feb 20, 2026

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 · Feb 20, 2026

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 · Feb 20, 2026

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 · Feb 20, 2026

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 · Feb 19, 2026

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 · Feb 18, 2026

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 · Feb 17, 2026

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 · Feb 17, 2026

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 · Feb 16, 2026