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re: How does the OT Track their Finances?
Posted on 4/19/26 at 8:11 am to ColdDuck
Posted on 4/19/26 at 8:11 am to ColdDuck
quote:
Excel. Once a month I put all my account totals in it (Fidelity, bank, other IRAs, etc) and minus my loans. Let’s me see my net worth and I have a little graph. It’s like a snapshot of the 16th of the month. I don’t track individual purchases or anything.
I recommend getting an Office 365 subscription if you don’t have one. I download aggregated numbers from Fidelity, Copilot does the asset allocation for me and is also telling me where I have funds that overlap if I want to simplify. Does graphs and I’m starting to incorporate some Roth conversion analysis into it.
1
Posted on 4/19/26 at 8:55 am to GeauxTigers123
quote:
I realize you’re being sarcastic.
Funny, everyone on the PT board insists there’s no sarcasm font.
Also, I forgot to mention there’s a huge poverty porn industry on YouTube for Japanese salarymen using Dave Ramsay envelopes.
Posted on 4/19/26 at 12:41 pm to Sunnyvale
Monarch after Mint shut down. Worth the cost imo.
Posted on 4/19/26 at 12:55 pm to CalcuttaTigah
quote:
I cant recommend Monarch enough. I love it. I have everything loaded in including mortgages, 401ks, 529, auto loans, credit cards, etc. I was super concerned once Mint went away but it’s 10x better than Mint and well worth the $100/yr.
Sell me on it. If I have no issue with logging in to various accounts for routine money management, what is the extra value that Monarch offers that makes it worth $8 per month?
Posted on 4/19/26 at 1:19 pm to lsuconnman
quote:
Also, I forgot to mention there’s a huge poverty porn industry on YouTube for Japanese salarymen using Dave Ramsay envelopes.
You are going to have to explain that one to me like I’m a 5 year old. I have no clue what that means?
Posted on 4/19/26 at 3:11 pm to Willie Stroker
use promo code: MONARCHVIP
50% off first year.
50% off first year.
Posted on 4/19/26 at 5:58 pm to JL
quote:If today is in 1948 then this amount is not worth mentioning with a “but” in the sentence.
Monarch is great but like $100/yr
Otherwise, $100 annually for anything is an insignificant amount.
Posted on 4/19/26 at 6:17 pm to Sunnyvale
Simplifi User here.
Posted on 4/19/26 at 6:28 pm to soccerfüt
Especially when that thing is oriented to keeping your entire financial life organized. It could probably 5x their price before I would even consider an alternative.
Posted on 4/19/26 at 6:52 pm to Sunnyvale
We've been using ynab for 2 years now. It's pretty legitimately changed our lives financially.
Posted on 4/19/26 at 9:12 pm to TigerFanatic99
quote:
ynab
I'm fortunate in that I bought it before it went subscription based. It's useful, but everyone these days wants tech to figure out that they're paying for multiple Paramount+ subscriptions, they don't want to do the work to look for it themselves. Much better to let Rocketmoney scrape all your transaction data to give you a "free" product.
Posted on 4/20/26 at 7:04 am to Sunnyvale
Old school: Quicken
Posted on 4/20/26 at 7:13 am to JL
Some details on what Monarch is and does?
Is it cloud based, so they have all your information on their servers? I prefer keeping stuff local.
Is it cloud based, so they have all your information on their servers? I prefer keeping stuff local.
Posted on 4/20/26 at 7:17 am to Sunnyvale
quote:
Curious what the big tyme, players who are worth 6 figures plus
$100,000 is big time to you?
Boy you got some catching up to do. Hope you are still in your 20s.
Posted on 4/20/26 at 8:27 am to StreamsOfWhiskey
quote:
Old school: Quicken
Same. I have used Quicken for over 30 years. Too much historical data there to change now.
This post was edited on 4/20/26 at 8:29 am
Posted on 4/20/26 at 8:38 am to Sunnyvale
Rocket Money is what I use at the moment. Been pretty good so far.
Helps set up budget, track spending by category.
If you have your mortgage through Rocket its free which is how I have things right now.
If I had to pay I would probably shop around and look into Monarch to compare how it works vs Rocket Money.
Helps set up budget, track spending by category.
If you have your mortgage through Rocket its free which is how I have things right now.
If I had to pay I would probably shop around and look into Monarch to compare how it works vs Rocket Money.
Posted on 4/20/26 at 11:37 am to UptownJoeBrown
quote:
$100,000 is big time to you?
Boy you got some catching up to do. Hope you are still in your 20s.
Im in my 40s Buddy.
Posted on 4/20/26 at 12:30 pm to Sunnyvale
OT? this is the MT not OT
the cesspool aka OT is that way ------>
the cesspool aka OT is that way ------>
Posted on 4/20/26 at 12:51 pm to Fat Bastard
Most of my investments are at MS. I use their app and can add non-MS accounts that link and update. easy one stop look each day.
Posted on 4/20/26 at 8:46 pm to Sunnyvale
quote:
Im in my 40s Buddy.
Ouch. Better get saving. Go 100% in a growth fund.
This post was edited on 4/20/26 at 8:51 pm
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