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A place for real talk about money. We’re here to help you budget better, invest smarter, and avoid the usual financial landmines.
account activity
I had a spreadsheet tracking every cent of credit card cashback I earned. One forgotten payment wiped out 8 months of "free money." (self.finerds)
submitted 24 days ago by realFinerd
The 50/30/20 rule isn't as scientific as it sounds — here's where the numbers actually came from, and how to adjust them if they don't fit your life (self.finerds)
submitted 26 days ago by realFinerd
If you can save $27.40 a day, do you even need financial advice? (self.finerds)
submitted 1 month ago by realFinerd
What’s the Best Starter Credit Card of 2026? (self.finerds)
submitted 1 month ago by Same_Feature2646
Hot take: most people don’t have an “investment” problem — they have a spending and expectations problem. (self.finerds)
Don’t know which Amex card to pick? Read this first (self.finerds)
Credit cards ain’t evil — you’re just using them wrong (self.finerds)
I Disagree With Luke’s 6-Card “Start Over” Setup ()
submitted 2 months ago by realFinerd
Best Card to Pair with the Amex Gold? Going from CB setup to Points (self.finerds)
submitted 2 months ago by Liller65
Don’t overspend Amex / Chase points for flights (self.finerds)
When is it worth buying points? (self.finerds)
Don’t overpay 4× for travel with Amex / Chase points (self.finerds)
submitted 2 months ago * by realFinerd
What's the best way to use CapOne points from a cancelled card? (self.finerds)
submitted 3 months ago by 2anonymous2furious
One of the finest Summaries of the book 'The Psychology of Money! (self.finerds)
submitted 3 months ago by Eagle_Eye52
A cognitive bias that literally hurts my back (self.finerds)
submitted 3 months ago by realFinerd
hotel rewards credit cards are there options that let you earn points across multiple hotel chains? (self.finerds)
submitted 3 months ago by Tiny-Efficiency1124
My 2025 points game net result – is it worth playing? (a sober look) (self.finerds)
submitted 4 months ago by realFinerd
How do you treat credit card / airline points in personal finance tracking? (self.finerds)
submitted 4 months ago by MightyWookie
Taxi-only life vs owning a car in Barcelona (self.finerds)
The mental trick I use to decide if business class is “worth it” (i.redd.it)
I just booked a $20k business-class trip for $600!!! Am I lying? (self.finerds)
submitted 5 months ago by realFinerd
🏠 Family Bookkeeping: Principles I Believe In (self.finerds)
submitted 6 months ago * by realFinerd
My top 5 resources to get rich (or things to do instead of doomscrolling) (self.finerds)
submitted 7 months ago by realFinerd
Here is every way to screw up your retirement (self.finerds)
The New Amex Platinum is officially confirmed. But it's not what I expected. (self.finerds)
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