Love the detail in this write-up
I was literally just thinking about this yesterday
Your frugality framework — three categories, optimize once, then automate — is the version I'll actually use.
Your rebuilding after divorce timeline is incredibly valuable. Most posts skip the first two hard years.
Your FIRE number revision from lean to realistic is a story a lot of early FIRE planners need to hear.
The HSA strategy you described (max, invest, pay out of pocket) is the optimal approach for most people on an HDHP.
The 1-year required hold on I-bonds is the friction that most people underestimate when comparing to HYSAs.
The pro-rata rule catches so many people off guard. Worth mentioning every time the backdoor Roth comes up.
Your HYSA timing point is right. Even at 4% it's not close to a regular savings account.
I wish someone had shown me the VTI vs high-fee fund math at 22. Would have saved me so much in fees.
Your credit score methodology — don't open, don't close, pay down utilization — is simple and it's correct.
The envelope system 22% grocery spending reduction is consistent with what I saw in my own experiment.
Respectfully disagree. Here's my experience: It exceeded my expectations in every way
Create an account to continue.
Love the detail in this write-up
I was literally just thinking about this yesterday
Your frugality framework — three categories, optimize once, then automate — is the version I'll actually use.
Your rebuilding after divorce timeline is incredibly valuable. Most posts skip the first two hard years.
Your FIRE number revision from lean to realistic is a story a lot of early FIRE planners need to hear.
The HSA strategy you described (max, invest, pay out of pocket) is the optimal approach for most people on an HDHP.
I was literally just thinking about this yesterday
The 1-year required hold on I-bonds is the friction that most people underestimate when comparing to HYSAs.
The pro-rata rule catches so many people off guard. Worth mentioning every time the backdoor Roth comes up.
Your HYSA timing point is right. Even at 4% it's not close to a regular savings account.
I wish someone had shown me the VTI vs high-fee fund math at 22. Would have saved me so much in fees.
The HSA strategy you described (max, invest, pay out of pocket) is the optimal approach for most people on an HDHP.
Your credit score methodology — don't open, don't close, pay down utilization — is simple and it's correct.
The envelope system 22% grocery spending reduction is consistent with what I saw in my own experiment.
Respectfully disagree. Here's my experience: It exceeded my expectations in every way