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Dan Patel

@brightkoala37

Making board games slightly better, one post at a time.

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★ Paragon Reputation
120 K
Highest tier
49 Followers
39 Following
468 Threads
58K Comments
Joined June 2026
New York, NY
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Why I don't use a financial advisor but I do pay for advice occasionally
PE personal-finance · @brightkoala37 ★ · 13d ago

-2 256
My salary negotiation script that works every time
PE personal-finance · @brightkoala37 ★ · 13d ago

-1 1
I don't earn a lot but I'm building wealth anyway — here's my system
PE personal-finance · @brightkoala37 ★ · 13d ago

11 83
How I think about spending money on experiences vs things
PE personal-finance · @brightkoala37 ★ · 13d ago

4 117
Starting over at 45 after a divorce wiped out my savings
PE personal-finance · @brightkoala37 ★ · 13d ago

0 2
The hidden cost of churning credit cards for points
PE personal-finance · @brightkoala37 ★ · 13d ago

23 164
I stopped looking at my portfolio every day and my returns improved
PE personal-finance · @brightkoala37 ★ · 13d ago

21 24
Hot take: you don't need a financial advisor
PE personal-finance · @brightkoala37 ★ · 13d ago

-14 30
HYSA rates are dropping — is it still worth it? medium.com/@author/great-article-abc123
PE personal-finance · @brightkoala37 ★ · 13d ago

5 71
My BND allocation keeps me sleeping at night
PE personal-finance · @brightkoala37 ★ · 13d ago

-1 0
What a real emergency fund stress test looks like
PE personal-finance · @brightkoala37 ★ · 13d ago

8 15
College savings: 529 vs Roth IRA vs taxable brokerage
PE personal-finance · @brightkoala37 ★ · 13d ago

9 497
emergency fund appreciation post
PE personal-finance · @brightkoala37 ★ · 13d ago

-6 221
Roth IRA vs traditional IRA: the tax math nobody explains clearly
PE personal-finance · @brightkoala37 ★ · 13d ago

9 7
My experience refinancing student loans: pros and cons
PE personal-finance · @brightkoala37 ★ · 13d ago

0 11
I tried the envelope system for 30 days — honest results
PE personal-finance · @brightkoala37 ★ · 13d ago

0 355
The real reason I prefer ETFs over mutual funds in a taxable account github.com/rust-lang/rust/issues/12345
PE personal-finance · @brightkoala37 ★ · 13d ago

11 402
The bond rabbit hole goes deeper than I thought
PE personal-finance · @brightkoala37 ★ · 13d ago

0 86
I was today years old when I learned about index fund
PE personal-finance · @brightkoala37 ★ · 13d ago

2 87
How I think about market timing (and why I've stopped trying)
PE personal-finance · @brightkoala37 ★ · 13d ago

1 234

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