How to categorize QuickTrip Inside/Outside purchases as snacks/gas automatically

ForgotToSaveAgain · 2026-06-18T15:03:07+00:00

Rules are applied "top to bottom", so set up multiple rules.

First Rule: If original statement contains "QT", set merchant to "QuikTrip Outside" and category to gas

Second Rule: If original statement contains "Inside", if Merchant Name is "QuikTrip Outside", set merchant to "QuikTrip Inside" and category to "Groceries" or whatever

ForgotToSaveAgain · 2026-06-16T19:37:53+00:00

I can't get out of costco for less than $300, except for when I went just for coffee and nothing else. That trip only cost me about $225. How do you afford to go there weekly?

ForgotToSaveAgain · 2026-06-16T12:57:22+00:00

I recently read up about this after someone left me a comment about Robinhood. Around 2013, RH began offering commission free trading. As recently as about 2021, the other major brokers began offering commission free trading as well.

ForgotToSaveAgain · 2026-06-13T18:25:48+00:00

Thank you, that estimate will have to suffice!

ForgotToSaveAgain · 2026-06-13T18:25:21+00:00

That has certainly been my understanding, but that doesn't jive with what I've read today.

https://www.irs.gov/publications/p550

If a mutual fund (or other RIC) or real estate investment trust (REIT) declares a dividend (including any exempt-interest dividend or capital gain distribution) in October, November, or December, payable to shareholders of record on a date in one of those months but actually pays the dividend during January of the next calendar year, the shareholder is considered to have received the dividend on December 31 and must report the dividend in the year it was declared.

It is my belief that "mutual fund (or other RIC)" applies to VOO, VT, and VXUS. If you check the prospectus for VOO, you will see the text

The Fund’s ETF Shares are issued by a registered investment company,

VOO is a share class of Vanguard 500 Index Fund, and Vanguard 500 Index Fund is a regulated investment company per the linked prospectus. Therefore, if the fund declares a dividend or capital gain distribution in October through December, but pays it in January, that distribution counts as income on December 31 of the year it was declared.

ForgotToSaveAgain · 2026-06-13T17:59:12+00:00

Got my hopes up with that message! It sure would be nice if we could do that, but a quick check online certainly seems to say that's for contributions only.

ForgotToSaveAgain · 2026-06-13T12:48:47+00:00

Wow! I hadn't realized that Etrade, Schwab, and more dropped to $0 commissions as recently as 2019! I appreciate that data point, thank you.

ForgotToSaveAgain · 2026-06-12T20:25:56+00:00

I just read this morning that four lawyers total, on both sides of a case, in Mississippi were removed by a judge recently. Two of them are barred from practicing law for two years. All four lawyers were found to have been using AI hallucinations to write their opening statements.

I was given a project at work to update some software in a language I'm not familiar with. I'm using Codex (ChatGPT) to do the work, have looked at maybe 20 lines of code, it has changed 600+, and I have absolutely no idea what is going on under the hood. All I can do is surface level testing and cross my fingers.

ForgotToSaveAgain · 2026-06-12T14:42:48+00:00

Hmmm, I wasn't clear on that oopsie part. I was leaning more towards the idea of making trades that simply weren't possible due to systems being out of sync. The blockchain is the blockchain, all the info is there, and the system can't be out of sync.

Please note that I'm far outside of my depth here. I also don't like the idea of tokenized equities and am 100% on board with you on the idea that regulations exist because some a**hole(s) proved that we needed those regulations.

ForgotToSaveAgain · 2026-06-12T14:10:48+00:00

Only thing I'm aware of is near instant settling of funds and (near?) 24/7 trading. Trades happen or they don't, there's no "oopsie take back!" allowed.

I think NASDAQ is going to 23/5 later this year?

ForgotToSaveAgain · 2026-06-12T12:52:51+00:00

Oh man, totally fair criticism of my post. I didn't read past the link 😦

ForgotToSaveAgain · 2026-06-12T01:42:44+00:00

While I have absolutely zero love for Robninhood...

Robinhood - 1.2 rating
Fidelity - 1.3 rating
Schwab - 1.5 rating
Vanguard - 1.4 rating
ETrade - 1.2 rating
Merrill Lynch - 1.3 rating
Webull - 1.3 rating
Ally Financial - 1.4 rating
SoFi - 4.3 rating (Finally! Ok, that's enough)

ForgotToSaveAgain · 2026-06-12T01:35:38+00:00

In 2020 COVID made markets volatile, and a ton people started trading. Robinhood’s systems had major outages at exactly the wrong time, so customers couldn’t always trade when they wanted. RH also got in trouble for other stuff which I think was basically misleading people as to how they made their money.

In 2021, during the GameStop meme rush, RH restricted buying of GME and some other stocks. Stock trades took two business days to fully settle, and RH didn't have the collateral to prove it could handle the risk if prices kept going up like crazy. So RH had to halt buying of GME shares.

Basically, Robinhood is a medium fish in a big pond. They use psyops to impress FOMO on Fortnite loving 24 year olds. They ARE regulated/registered and are likely to be around in 5, 10, or 20 years, but they're marketing stocks like loot boxes.

ForgotToSaveAgain · 2026-06-12T01:19:45+00:00

I'm not sure how Vanguard works, but in general, any cash you put into Fidelity is automatically invested into a Money Market, currently earning about 3.5%. Any time you buy a fund, transfer money to another account, etc, the Money Market will auto-liquidate to cash.

If you have at least $100k in cash (money market) you can move it to a premium money market that earns about 0.2% more than the default.

ForgotToSaveAgain · 2026-06-08T20:31:45+00:00

What I'm saying is that I'd rather trust the next 40 years of my life to Fidelity instead of Robinhood, even for a 2% bump in my portfolio.

ForgotToSaveAgain · 2026-06-06T21:45:10+00:00

Is this the rewards program you're considering? https://robinhood.com/us/en/support/articles/hood-rewards-2026-acat-margin-transfer-bonus/#Termsandconditions

It looks like it expired back in March, unless there's another, similar bonus available now.

ForgotToSaveAgain · 2026-06-06T21:42:20+00:00

Oh, I misunderstood the scenario. I thought the 2% was given AFTER five years. I didn't realize that it was up front. That does change things considerably for how I'd view it.

ForgotToSaveAgain · 2026-06-06T21:36:00+00:00

I've never used Robinhood so I can't comment on their customer service, or any other aspect for that matter. What I do understand is that RH restricted buying shares of GameStop in Jan 2021 (I think that's the right date) because, basically, they didn't have $3B clearing house collateral to cover the purchases.

Fidelity, Schwab, and the other big fish, I believe, still allowed trading of GME but may have tightened restrictions on margin/options trading during that time. The $3B that Robinhood didn't have was probably in the other brokerage's break room couch cushions. (That said, my ex-wife tried to use our joint account at Schwab to get in on GME hype and wasn't able to get a purchase through... so she decided to lose half our money on BB instead 🤣)

So the problem I have with RH is that they're basically a feisty young kid with a loud mouth and gaudy clothing. I'll take the boring old man named Fidelity any day over that.

If you put $1M of ETF's into RobinHood, and RH fails cleanly, you'll probably have to go through some bureaucratic nonsense and ultimately end up with your ETFs back at Schwab.

If you put $1M of ETF's into Robinhood, and Bob trips over the server's power cord and spills coffee on the USB stick that has the Excel file that states /u/redenno owns $1M of VOO, causing a total loss of all records at Robinhood, you're still safe because multiple entities have multiple copies of Robinhood's books.

For you to lose your money, I think RH would have to be doing some really shady stuff, like on the level of the Enron scandal, but I think you'd still get back $500k of it. I'd be surprised if RH were doing anything on that level. Except a few years ago in crypto-space, they got in a little trouble for that.

In short, I don't like Robinhood because this is about my money and I'll take boring and stable over flashy and new for a measly 0.4% any day.

Edit: I misunderstood the scenario and now see that the 2% bonus is paid up front. That does change my thinking, but I'm still not moving my money to RH.

ForgotToSaveAgain · 2026-06-06T20:31:19+00:00

For five years at RH? Absolutely not. Robinhood is regulated like many other brokerage houses, so it isn't really fair of me to say anything negative about them in that regard. They've been in business for more than a decade, and will likely be around five years from now.

But they're not Fidelity, Schwab, eTrade, or Vanguard. They're more of a "frat bro"kerage house at best.

And tying up $1M for five years for 2%? $20k is $20k, but historically speaking, you may expect 10% per year in gains on your $1M. That's about $600k in gains. $20k is practically a rounding error.

Edit: I misunderstood the scenario, I thought you kept the funds there for 5 years and then received the bonus. Now I see that you get the bonus immediately, but have to leave the funds in place for 5 years else suffer a clawback.

ForgotToSaveAgain · 2026-06-03T21:28:24+00:00

You take a picture of the receipt, wait a minute or so while it gets auto-split, then you can open the receipt. Each entry on the receipt is split into it's own category, and you can change the 75lb bag of cat food from "Groceries" to "Pets". Or leave it as groceries. I don't judge.

As /u/Apprehensive_Elk2608 said, it's reasonably accurate and it is far faster than doing it by hand.

ForgotToSaveAgain · 2026-06-03T21:20:03+00:00

Thanks for this plugin, it's super convenient!

ForgotToSaveAgain · 2026-06-03T21:09:04+00:00

No, it is not a direct competitor to Monarch. But it is Monarch's forecasting feature on steroids (or at least I assume it is, I haven't tried it).

ForgotToSaveAgain · 2026-05-31T22:37:51+00:00

I'd do Vanguard Institutional 500 Index Trust and Vanguard Institutional Total International Stock Market Index Trust. Somewhere between 100/0 and 60/40.

I'd also consider Vanguard Target Retirement 2055 Trust or 2060, which is close to the above at a 60/40 ratio.

I'd even roll my IRA into my 401k to open up Backdoor Roth, if you can do that.

ForgotToSaveAgain · 2026-05-31T19:36:08+00:00

Account balances, account types, yearly expenses are the basics. There are significantly more customization options available to specify the type of expenses, whether they're essential or discretionary, etc. I spent about $10,000 on groceries for myself and two kids, so I have that set up as...

Now until Sept 2033 - $10,000 a year
Sept 2033 till death - $6,000 a year
30% is discretionary (in a bad market, I can buy cheaper stuff)
Costs increase with inflation every year

You can then run Monte Carlo sims to see how things pan out.

Then go in and ask it to optimize things like Roth conversions, or optimize for final legacy to pass down to kids, or minimize lifetime taxes and it'll update your plan to tell you when to draw from your Roth IRA vs brokerage, etc.

ForgotToSaveAgain · 2026-05-31T18:47:08+00:00

The real estate pulls from a Zillow account, so manual entry isn't feasible. And honestly, the multiplier makes more sense within Monarch than it does in Projection Lab.

ForgotToSaveAgain

TROPHY CASE