The 50% of raise to investments rule is the exact mechanism that lets you raise your standard of living without sacrificing savings rate.
The raise allocation system is the exact behavioral tool most financial plans are missing.
Thank you for the real monthly budget. Percentages are fine but most people need to see dollars and cents to internalize it.
Appreciate you including the real monthly budget. Theory is fine but people learn from specific real examples.
The 'autopay in full' credit card strategy is the correct way to get rewards without paying interest.
I've shared your compound interest example with literally everyone I know who claims it's too late to start investing.
The 1% salary contribution increase every 6 months is the most painless way to eventually reach a high savings rate.
Starting the backdoor Roth process this year after reading this thread. The explanation finally made sense.
Bookmarked. This is the kind of content I come here for
Hard disagree on this one, but I respect the take
Your YNAB review is the most balanced I've seen. The methodology is real; the software is optional.
As someone with 5 years of experience, I can confirm this is solid advice
I didn't understand asset location until I saw it explained in terms of which accounts to put which types of assets in. This helps.
The HSA strategy you described — invest, pay out of pocket, keep receipts — is the optimal version and it's barely taught.
The three-month YNAB trial advice is correct. The system only makes sense after you've rolled with the punches a few times.
This is the way
Tried this today and it actually works!
Create an account to continue.
The 50% of raise to investments rule is the exact mechanism that lets you raise your standard of living without sacrificing savings rate.
The raise allocation system is the exact behavioral tool most financial plans are missing.
Thank you for the real monthly budget. Percentages are fine but most people need to see dollars and cents to internalize it.
Appreciate you including the real monthly budget. Theory is fine but people learn from specific real examples.
The 'autopay in full' credit card strategy is the correct way to get rewards without paying interest.
I've shared your compound interest example with literally everyone I know who claims it's too late to start investing.
The 1% salary contribution increase every 6 months is the most painless way to eventually reach a high savings rate.
Starting the backdoor Roth process this year after reading this thread. The explanation finally made sense.
Bookmarked. This is the kind of content I come here for
Hard disagree on this one, but I respect the take
Your YNAB review is the most balanced I've seen. The methodology is real; the software is optional.
As someone with 5 years of experience, I can confirm this is solid advice
I didn't understand asset location until I saw it explained in terms of which accounts to put which types of assets in. This helps.
The HSA strategy you described — invest, pay out of pocket, keep receipts — is the optimal version and it's barely taught.
The three-month YNAB trial advice is correct. The system only makes sense after you've rolled with the punches a few times.
This is the way
Tried this today and it actually works!