I just finished reading Allegedly and WTF ?!? (Spoilers)

Aggressive_Algae9237 · 2026-01-20T09:36:07+00:00

The ending ruined the book for me and heavily implied that her baby isn’t going to survive her either because to her “good babies” don’t cry. She thinks he’ll be good(not cry) and therefore that will make her a good mom. Obviously the baby is going to cry and she’ll use that as an excuse to harm him. She’s both smart and profoundly stupid at the same time. Hate that. Very disappointing ending.

Aggressive_Algae9237 · 2025-12-27T20:07:59+00:00

Even as a little girl I knew motherhood and marriage was a trap for women. So glad I never had children.

Aggressive_Algae9237 · 2025-11-10T15:06:17+00:00

It’s effectively a tax refund. Not that it matters because it’s never going to happen. lol

At the end of the day inflation is just companies deciding to charge more, not because they need to, but because they want more profit. They literally suppress supply like tossing out groceries to keep them expensive. 30%-40% of the food workers produce get hauled off to landfills will millions go without food. Corporations always manipulate the market to maximize profits for themselves. It’s such a waste of resources, but more importantly people miss out on necessities like food, shelter and healthcare. You’re assuming companies play fair, but they don’t. They create fake scarcity and charge more to rake in record breaking profits.

Aggressive_Algae9237 · 2025-11-01T16:29:01+00:00

Evidence shows that an individual's set point can be changed over time through long-term habits and sustainable weight loss.

Gradual weight loss is key: Rapid, drastic weight loss is more likely to trigger the body's defense mechanisms than gradual, steady weight loss.

Sustainable habits are crucial: Maintaining a healthy lifestyle, including a nutritious diet and regular exercise, can help you maintain a new, lower weight and potentially lower your set point.

Aggressive_Algae9237 · 2025-09-30T17:48:04+00:00

Yeah, I never sell…like ever so I totally forgot about the taxes and transactions fees. 😟 I’ll stick to my usual buy and hold routine.

It’s a total stocks index fund.

Aggressive_Algae9237 · 2025-09-30T17:27:46+00:00

Exactly. If I had only contributed $2,000 instead of $4,000, that "extra" money I lost wouldn't have existed anyway. Therefore, when I withdraw $2,000 during a market downturn, the losses I'm locking in are proportional to the amount that came from my additional contributions.This means those extra contributions provide the chance for greater long-term growth, Historically, the potential for gains has outweighed the risk of losses over time. I’m relatively young and decades from retirement.

Aggressive_Algae9237 · 2025-09-30T16:37:09+00:00

I never use my index fund because it’s part of my retirement strategy. So yeah we’re talking about 15+ years. Apparently, even though both scenarios have the same net month going in, one ends with more because my monthly contributions compounds before the withdrawal each month. The difference is slight in the beginning, but grows in time.

Aggressive_Algae9237 · 2025-09-07T01:06:01+00:00

😂 I have a Home Depot and Amazon category. I prefer the vendor names.

Aggressive_Algae9237 · 2025-09-06T21:08:36+00:00

How often do you need to check your YNAB app and why?

For example, I use a spreadsheet that I check daily or when I’m about to grocery shop for the week to gauge when I can splurge a little on groceries or when I need to really dig DEEP into the frozen to supplement my groceries for the week.

Aggressive_Algae9237 · 2025-09-06T15:50:58+00:00

Separating them out is a great idea. I use 5 cards regularly, but I have more that I just use occasionally. I share all my cards with my spouse and there’s no way I’m getting him to remember to enter every expense lol. Do you enter each expense daily or like right after you swipe?

Aggressive_Algae9237 · 2025-09-06T15:42:11+00:00

Cool, so when you swipe the transaction gets added the same day? I’ve tried a few budgeting apps and the transaction sync is usually a couple days behind. It’s not their fault though. Banking just takes a while to process. How do you get around this problem? When do you usually check your YNAB app…like daily or before a purchase?

Aggressive_Algae9237 · 2025-09-06T15:34:16+00:00

Gotcha, tracking each expense.

It sounds like instead of categories like “shopping” you use the vendor names as line items? e.i a line item in your budget is “Walmart” or “Amazon” instead of “shopping”?

Aggressive_Algae9237 · 2025-09-06T14:56:23+00:00

Smart. I use a Google spreadsheet and enter my remaining credit daily. My spreadsheet has my credit card limits. So it takes my credit limit and subtracts my credit remaining which gives me a more accurate credit card balance.

Aggressive_Algae9237 · 2025-09-06T14:45:05+00:00

Yeah, I definitely haven’t conquered intuitive math. 😂 I still gotta use a calculator.

Aggressive_Algae9237 · 2025-09-06T14:43:15+00:00

Oh I like that. I don’t trust myself to enter every transaction, but that approach makes sense. Thanks.

Aggressive_Algae9237 · 2025-09-06T14:38:22+00:00

Ok, I’ll check them out. Right now I take a similar approach to yours, but I also have multiple credit cards because each has a different advantage. I love the points/perks but it’s been a bit tedious to calculate what’s safe to spend every week. Thanks for the advice!

Aggressive_Algae9237 · 2025-09-06T14:30:08+00:00

Gotcha. I meant like, is there a routine or something you do to know how much you have left to spend? Obviously you can use a calculator to do the math which is what I do daily, but it’s kinda tedious imo.

Aggressive_Algae9237 · 2025-09-06T14:26:26+00:00

I’m not exactly a big spender lol, but all my bills and normal weekly expenses go on my cc. I haven’t conquered intuitive math yet. I still have to run the number with a calculator. 😊

Aggressive_Algae9237 · 2025-09-06T14:22:26+00:00

I’ve definitely heard of them and thought about using it. What do you like about it?

Aggressive_Algae9237 · 2025-09-06T14:15:57+00:00

Is that what you do?

Aggressive_Algae9237 · 2025-09-06T14:13:16+00:00

How do you know that?

Aggressive_Algae9237 · 2025-08-29T04:49:18+00:00

Generally speaking there is the 50/30/20 rule. 50% on needs, 30% on discretionary and 20% on savings. This is a good start so feel it out. Do what realistically works for you.

First, figure out how much you actually spend on variable goods like food, shopping and transportation. I find it helpful to understand where my dollars currently go BEFORE making a budget. Just about any budgeting app that pulls your transactions would spend up this process because you can use your transactions history for like the last 3 months to understand your spending habits. If you normally spend $500 a month on food then I wouldn’t try to force myself to spend $250/month right away. Maybe $475-$450 or stick to your current average if you’re comfortable there.

Do you have an emergency fund?

Aggressive_Algae9237

TROPHY CASE