and what funds manager for your retirement accounts?

I was using a company called Empower for both. going to move the to Edelman for the retirement stuff.

initially, I used Mint for years, but it's dead. what do yall use?

I can tell you how I have spent just about every dollar I have made in that time frame. Ain't helped me lick to actual budget. Like I can tell you how much I spent on coffee in 2024, but I haven't really made a coffee budget for myself. It does help me spot trends.

I've been looking for something like a dash board where I can calculate my networth and make budgeting decisions in a moments notice. I think some people have figured out how to do that with Quicken, but I have not.

EMpower was cool. I don't think it was compatible with all my accounts so I stopped using.

I like rocketmoney to help me find random subscriptions.

But other than that, here to hear what others like.

**********
"Everyone has a plan until you punch them in the face. Then they don't have a plan anymore." (c) Mike Tyson

"what's a leader if he isn't reluctant"

should've said to keep track of spending and income.

I suck at budgeting too.

but I haven't tapped into the funds management stuff yet.

I don't think I really want to know how bad I am at budgeting.. lol.

Also, I don't like inputting all my passwords into these budgeting apps. Seems like an easy way to get got.

I met with their onsite person this week and she hipped me to the fund management company that'll give me lower fees than Empower.

what about high yield savings accounts? what banks are you all using?

Different banks run different promotions all the time with 4, 5 and even 6 percent interest rates on saving accounts.

But read the fine print to see how long that rate lasts. I did it with Citibank when it had a 6% promotion but it only lasted 3 months.


**********
"Everyone has a plan until you punch them in the face. Then they don't have a plan anymore." (c) Mike Tyson

"what's a leader if he isn't reluctant"

seems like that would be a hassle, unless they after promo rate is pretty strong.

otherwise, are you moving moving from one HYSA to another based on when promos end?

and those motherfuckers did all types of pretzel twisting not to come off that $300

not sure about the HYSA promos but it seems a bit sketchy to only have it for 6 months and then change the rate.

to pay down some debt.

Nothing major but I had some accounts I was using to fake like I was a day trader.

Definitely time to have an honest discussion about budgeting and where our money is going.

We also need to fix our mindset with having money in a savings account or in our account to feel comfortable instead of putting it in a HYSA or paying down more debt.

>We also need to fix our mindset with having money in a savings
>account or in our account to feel comfortable instead of
>putting it in a HYSA or paying down more debt.

it feels good to have a good bit of cash available. it's also dope not having any debt.

my cards have been used recently after years of not having real debt. cash ran down a bit and is finally catching back up. so I'll have to decide how much emergency money to keep vs knocking off these cards.

forgot to move it and got hit with a nice amount of interest and a ridiculous payment.

so I had to move some things around and have a tough convo with myself about my spending habits.

I tried Credit karma and it was worse.

Simplifi was fine, but it isn't free: https://www.quicken.com/products/simplifi/

The old Mint subreddit ahs a ton of alternatives most with a free 30 day trail, you should check it out:
https://www.reddit.com/r/mintuit/

I've just started doing it myself by looking at my bank's portal and using their tools and then using a Google spreadsheet.

Let us know if anything is as good as Minth.

like you said, it was mostly trials and I didn't want to pay lol

I went over to Credit Karma when they bought Mint. Works okay. Not quite as clean, but get to see my portfolio all in one at least.

I save/pay myself first and then figure the rest of it out.

and I need to be more aggressive with it too.

if I try to wait until everything is paid first, I will more than likely spend it.

what I want to do is put a shit load of our paychecks in the savings and then take a little bit from it if needed at the end of the month until next pay day.

We feel better when we have a cushion in the checking account but we should really change our mindset since we have a HYSA and another saving account.

We’ve come a long way..

but we still have a long way to go.

Its spreadsheet based and a lot of open source add ons if you want to geek out.

I transitioned to it from Mint and YNAB, and this was what helped me budget and save toward buying a home.

After 5 years of using it, I finally got my wife on board.

Like most similar tools, it takes time to setup and there is a learning curve, but once you get a rhythm - its worth it (especially since the annual fee is affordable

They have great resources, support, and community.

https://tiller.com/

Check out their videos and how they compare to mint articles