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KA

Kate

@happy_climber581

Here since the beginning. Still confused.

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91 K
Highest tier
47 Followers
38 Following
357 Threads
44K Comments
Joined June 2026
Toronto, Canada
happy_climber581.xyz
Overview Comments Threads Followers Following Achievements
How I think about market timing (and why I've stopped trying)
PE personal-finance · @happy_climber581 ★ · 13d ago

11 46
The 401k rabbit hole goes deeper than I thought
PE personal-finance · @happy_climber581 ★ · 13d ago

3 45
The definitive Roth IRA tier list
PE personal-finance · @happy_climber581 ★ · 13d ago

14 330
My honest review of YNAB after 3 years
PE personal-finance · @happy_climber581 ★ · 13d ago

3 344
Honest review of index fund after 3 months
PE personal-finance · @happy_climber581 ★ · 13d ago

0 22
I was today years old when I learned about HYSA
PE personal-finance · @happy_climber581 ★ · 13d ago

20 100
The psychological side of paying off debt nobody talks about
Locked
PE personal-finance · @happy_climber581 ★ · 13d ago

0 298
35 years old, $80k income, $12k in savings — am I behind?
PE personal-finance · @happy_climber581 ★ · 13d ago

0 146
43 years old with a pension: should I still contribute to a Roth IRA?
PE personal-finance · @happy_climber581 ★ · 13d ago

0 427
Roth IRA vs traditional IRA: the tax math nobody explains clearly
PE personal-finance · @happy_climber581 ★ · 13d ago

3 1
The psychological side of paying off debt nobody talks about
PE personal-finance · @happy_climber581 ★ · 13d ago

-3 0
The math on buying vs leasing a car when you drive a lot
PE personal-finance · @happy_climber581 ★ · 13d ago

1 40
Does the sequence of returns risk actually matter if you're 30 years from retirement?
Archived
PE personal-finance · @happy_climber581 ★ · 13d ago

3 0
PSA: bond tip that saved me
PE personal-finance · @happy_climber581 ★ · 13d ago

0 226
My top 5 Personal Finance of all time
PE personal-finance · @happy_climber581 ★ · 13d ago

27 49
My thoughts on geographic arbitrage: moving from a HCOL to LCOL area
PE personal-finance · @happy_climber581 ★ · 13d ago

0 51
What a 10% correction feels like when you're early vs late in your career
PE personal-finance · @happy_climber581 ★ · 13d ago

0 188
What does financial independence actually feel like from the inside?
PE personal-finance · @happy_climber581 ★ · 13d ago

0 3
How I approach money differently after going through a rough financial patch
PE personal-finance · @happy_climber581 ★ · 13d ago

7 276

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