I stopped budgeting late last year It has been freeing not tracking the misc grocery/gas/event purchases that I make The one challenge I have had is I am less confident in making larger purchases without a budget For example, I am having a hard time deciding if buying a PC and

If the government just takes 100% ownership in the Mag 7 they can just sell it and pay off most the debt

The spreadsheet that I use to track my personal finances is now down to 4 tabs! 2024 and 2025 have been the years of simplifying!

It is funny to look back on the first decade or so of my journey I graduated college with about a $25k net worth and grew it to just over $100k by the time I was 25 while making under $40k/yr That is when it starts to get interesting At 25 I decided to take a year off work and

One of my coworkers sold the “forever home” he bought in 2022 today Those remodels and upgrades turned out to be a waste Realtor and contractors made some good money though!

Is bitcoin over 10% of your portfolio? It is about 2% of mine

If I would have bought everything I refrained from buying over the last 10 years I probably would have spent less than how much I underperformed the market There is a lesson in this for me

Genuine question How much does the median consumer even matter to the economy? Sure our spending trickles up, but the upper classes spending significantly outweighs ours Some people pay more for a single car than I've made in my entire life so far Some people pay more for

Why is having an emergency fund important? One of my siblings just found out her car needs $6,500 worth of work to pass the inspection

Most of us don’t appreciate what we’ve built so far enough

Every $100k you have invested in the S&P 500 is $7,680 in exposure to $NVDA Happy earnings day

How much of your purpose comes from work?

Will the S&P 500 remain this concentrated at the top? I can’t see how it doesn’t for the next decade unless a bubble is popped somewhere or companies are broken up

An older man I play table tennis with told me something pretty cool today He told me he thought I do a good job maximizing my experiences and just going and doing things I’m not sure I 100% agree, but it gave me 30 seconds to reflect and appreciate all the experiences have have