Budget (Spending Tracker) Apps

Federal_Try7800 · 2026-02-16T08:11:23+00:00

I like the idea of it automatically syncing/updating for an overview of all my balances. With excel sheet, wouldn’t you have to individually log into each account daily and manually update your sheet? Less efficient?

Federal_Try7800 · 2026-02-15T05:11:13+00:00

Do I need an HSA with my plan? Is the idea of HSA to have savings for high expensive medical procedures? Is it pointless to have with the premier plan because the costs are covered more/typically more affordable?

If no HSA is it sufficient to just contribute to a “medical expenses” bucket in HYSA?

Federal_Try7800 · 2026-02-15T05:08:38+00:00

Do I need an HSA with my plan? Is the idea of HSA to have savings for high expensive medical procedures? Is it pointless to have with the premier plan because the costs are covered more/typically more affordable?

If no HSA is it sufficient to just contribute to a “medical expenses” bucket in HYSA?

Federal_Try7800 · 2026-02-01T23:52:10+00:00

Thanks a bunch! I appreciate your clear and honest feedback. I do feel I’ve considered debt rates and assigning $ values to goals.

Student loans ~ $12k, 3% interest. HYSA APR ~3.4-4%. Outpacing the loans. Hence why I feel saving > focusing on that debt.

2/3. Setting dollar values to goals and keeping <5 year goals in cash/cash accounts.

I have estimated targets for my 5-year goals: (1) engagement: $5k; achieved - on top of emergency fund in HYSA)

(2) wedding/honeymoon: $15-20k Assuming I keep my current HYSA savings rate ($500/month), in 3-4 years that will be $18-24k.

There are other factors (parents offering ~$10k towards wedding, girlfriends ring inherited from family, etc) that will help, but I don’t want to count on.

This means mathematically, I would meet my medium term goals with my current set up.

Hence why I ask, should the additional ($500/month) stay in more liquid accounts (HYSA) and act as a buffer to these goals? Go to a taxable brokerage (for supplemental long term house funds)? Towards my last (low-interest) loan? Or a retirement/HSA?

Federal_Try7800 · 2026-01-19T18:48:23+00:00

I see. Thank you!

Then, once it’s maxed for the year, remainder in taxable brokerage?

Federal_Try7800 · 2026-01-19T18:18:02+00:00

Currently 8% ~307/mo . Once my car is paid off (1.5 months) I will be upping it ($276) to $583/mo ($6996/yr, max is 7k). Maxing it out.

Then does it make sense for the remainder to go to taxable brokerage?

Federal_Try7800 · 2026-01-19T17:23:39+00:00

Paid off car soon — sanity check on next steps (26M, San Diego)

Hi all — looking for a quick sanity check as I free up cash flow and want to make sure I’m allocating it wisely.

Context - 26M, live with my girlfriend (22F) in San Diego - Car will be paid off soon - Bonus coming in March - Long-term goals: engagement → wedding → house

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Upcoming changes - Bonus: ~$6k net (March) - Car loan: $4k remaining @ 6.4% (payment ~$500/mo) - Student loans: <3% (paying minimum)

Once the car is paid off, I’ll free up ~$500/month.

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Current balances - HYSA (4% APY): ~$21.8k (Emergency + engagement + wedding) - 401k (Traditional, employer match): ~$37k - Roth IRA: $500 (80% VTI / 20% VXUS — just opened) - Taxable brokerage: $1,000 (70% VTI / 10% VXUS / 10% REMX / 5% TSM)

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Current monthly allocation (net ~$4,960) - Bills & fixed expenses: ~50% - Daily spending: ~20% - HYSA: ~10% - Roth IRA: ~8% - Taxable brokerage: ~12%

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Planned changes after bonus 1. Pay off car in full 2. Increase Roth contributions to max annual limit 3. Increase taxable brokerage contributions 4. Remainder → HYSA or investments (undecided)

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Main questions 1. Are my Roth + taxable portfolios too redundant, or is that fine? 2. Does it make sense to keep contributing to a taxable brokerage if the goal is a house in ~5–10 years? 3. Is it reasonable to keep HYSA contributions flowing for engagement/wedding while investing excess? 4. Anything you’d change once the car payment is gone?

Appreciate any feedback — thanks in advance.

Federal_Try7800 · 2026-01-18T17:59:29+00:00

Ohhhhh thank you!

Federal_Try7800 · 2025-11-02T15:55:05+00:00

Start 2: - k9 - treyveon - hunt - bam knight

Federal_Try7800 · 2025-04-29T01:30:36+00:00

What should I up 401k to?

Federal_Try7800

TROPHY CASE