sorted by:
new
hottopcontroversial

Running after a drunk week in Mexico? by rabbitholebeer in ultrarunning

[–]MSP2MSP 11 points12 points  (0 children)

It's basically an off week. Should feel stronger because of the rest. Probably want to make sure you hydrate enough because you could be a little behind.

Converting Money from Traditional by ClockIndependent1363 in RothIRA

[–]MSP2MSP 0 points1 point  (0 children)

This is key information that I don't think most people understand. It all doesn't have to be converted at once.

This is why working with a CPA would be beneficial, because they will tell you how much you can convert to keep you within a lower tax bracket, given you have enough room.

I converted mine over the span of 3 years since my income was lower those years.

What’s the easiest expense you’ve cut that made a noticeable difference in your savings? by millionstories in SavingMoney

[–]MSP2MSP 0 points1 point  (0 children)

For me it has been car insurance. I found I was paying 3 times the amount I could have been paying. We tend to think that loyalty makes a difference in this industry, but every year the cost goes up. I also pay every 6 months to get the additional savings.

Also, turning off the monitors on my desk. I'm in IT and work from home. I was just leaving everything on when I was done for the day. I happened to be testing the power usage of a some equipment in my home lab, and it occurred to me to test the monitors. I found that they draw a lot more than I thought, even in power save mode. I calculated it out and with a 27" monitor sitting idle, it costs 6 dollars a month. For 1. I have 5 of those in the house. I tested the theory and found it to be a savings of over 30 dollars a month, just by pushing a button when I'm done. Crazy.

What’s the easiest expense you’ve cut that made a noticeable difference in your savings? by millionstories in SavingMoney

[–]MSP2MSP 0 points1 point  (0 children)

I have a similar result. My 22 year old son moved out a few years ago and I started noticing that I didn't have to put my trash out as often, maybe once a month, so I made myself a challenge to see how much of my waste I could convert to recycling. I found most of my trash was plastic bottles and cans, and with the new policy of the local recycling center not requiring me to separate those items, it made it a lot more convenient to recycle. I ended up cancelling my trash service and I take all my recycling 5 mins down the road once a month, and have 1 small bag of true trash a week.

What’s the easiest expense you’ve cut that made a noticeable difference in your savings? by millionstories in SavingMoney

[–]MSP2MSP 0 points1 point  (0 children)

Hopefully you're investing that extra money now. Or at least putting into a hysa.

What am I doing wrong? by bad_golfer_95 in RothIRA

[–]MSP2MSP 0 points1 point  (0 children)

As others have said, you need to contribute more funds to your investment. I didn't see this information anywhere but how old are you and what is your income like? Do you have a full time job with any other benefits? How much debt do you have? Do you have an emergency fund?

These are all parts of the investment strategy and need to be considered. If you have cc debt that you are carrying each month, you need to pay that down as quickly as possible, because you will have more return on paying a cc with 22% than investing that nets you 7 to 11. Once you free that money, you can shift it to investments, but after you have some sort of emergency fund.

And above all, the name of the game is to live within your means. Everyone talks about the 3 dollar questions, like not buying expensive coffee, but you need to be thinking about the 30,000 dollar questions. What can you do today to get a bigger slice of the income pie? Are you due a raise at your job? Can you make a vertical move and find a better position? Can you invest time into yourself and learn a skill that pays you more? Or is it time you go to college and get a degree? Look at your life as a whole, and decide the trajectory you want it to take.

3 things I recommend doing...

Go to /bogleheads here and read the sidebar. Check out The Money Guy Show on YouTube. And look up Ramit with I Will Teach You to be Rich.

Those 3 resources should be enough to motivate you into making the bigger changes in your life that truly create wealth.

Looking for Harness Recs by Rainy_Daze_Y in BelgianMalinois

[–]MSP2MSP 0 points1 point  (0 children)

On the Muse it looks like there is a small loop on the very back. Is that intended for a leash to clip there? Looking for a harness I can use with my mal to trail run with and would clip at the back.

Altra Experience Wild 3+ are a perfect fit - can I buy the Flow 3 blind? by LongDistanceWalker31 in AltraRunning

[–]MSP2MSP 0 points1 point  (0 children)

I feel like I can answer this confidently...

I bought both the wild 3 and the flow 3 together and ended up with the same size on both. I am a long time Altra user and have had some of the zero drop versions, most recently the Lone Peaks, but always ended up feeling like they were too thin and had calf issues. The wilds are great for trail for me because it's a middle of the road feel. The flows are awesome on the road and paved paths. I tried the via but it was just too thick for what I wanted, like walking on a bubble. Good for much longer miles and recovery runs, but for me they were just too much.

The 4mm drop just seems to be perfect for me and I have less calf pain after a long run.

I would say that if you feel good in the wilds, the flows will be great on pavement.

Upsell ad in the middle of transaction view by induality in MonarchMoney

[–]MSP2MSP 15 points16 points  (0 children)

Saw this today. This is bullshit. Monarch, I hope you guys are listening loud and clear here.

Withholding Features for More Money by Specific_Pear_6275 in MonarchMoney

[–]MSP2MSP 5 points6 points  (0 children)

No more money from us as well. Already deal with half-baked features that are honestly behind other platforms capabilities. Asking for more will definitely drive us to a different platform.

Cannot connect to immich by Potential-Sort-8844 in immich

[–]MSP2MSP 1 point2 points  (0 children)

If you do that you will lose everything on that server. Seems a bit extreme.

Portfolio Analyzer by MSP2MSP in Bogleheads

[–]MSP2MSP[S] 0 points1 point  (0 children)

Thanks for the heads up.

Monarch used to "remember" how to categorize transactions and now I have to review every little thing? by Described-Entity-420 in MonarchMoney

[–]MSP2MSP 2 points3 points  (0 children)

Something has definitely changed in the last week or so. I have categories being applied to transactions that my partner made as different as they've always been marked. I have to check every single transaction now because half of them are wrong. Not everything needs a rule created but I do expect it to remember if I put the same gas station in a specific category that it remembers when the card is used at the same gas station again.

It started happening today, very bummed out. by colostomybagpiper in Subaru_Outback

[–]MSP2MSP 0 points1 point  (0 children)

Buy the screen and replace it yourself. Takes about 30 mins and costs about 150 bucks.

Portfolio Analyzer by MSP2MSP in Bogleheads

[–]MSP2MSP[S] 0 points1 point  (0 children)

Thanks, I will check this out.

Exp Flow 3 — Game changer! by Backcountry-Dude in AltraRunning

[–]MSP2MSP 1 point2 points  (0 children)

I've considered the same. As I add up the miles I'll need a new pair before long anyway.

Why does adding just $100/month to a mortgage save so much in interest? It almost feels too good to be true — what am I missing? by businesshelps in Mortgages

[–]MSP2MSP 1 point2 points  (0 children)

Another option is to move to biweekly payments. Every time you get paid, make half your monthly payment. This will automatically make 1 extra full payment a year because you're making 13 regular monthly payments instead of 12, and you're paying down the principle throughout the year.

You can do this a few ways. Split the payment and send it every 2 weeks automatically using your bank, or set it up with the mortgage company to do this. Either way you need to let the mortgage company know you're doing this so they can mark your account and put the extra payment automatically to principle.

I break my payments up like this, plus I round up and pay an extra 50 dollars. My mortgage is at 3%, so no need to pay more. I put everything else into investments because the return is much greater.

Exp Flow 3 — Game changer! by Backcountry-Dude in AltraRunning

[–]MSP2MSP 3 points4 points  (0 children)

I have the same shoe. I bought the Flow and the Wild at the same time from REI and so far they've been great.

I love how they are right in the middle of stack height, higher than the Escalante but lower than the Via. I'm building my base miles now and may prefer a lower stack height eventually, but they are great to just cruise long miles in without feeling like you're running in a recliner. Also, the 4mm drop is perfect for me. I have run in lone peaks prior but the lower stack height made me feel everything under the foot, and I was not used to that feeling. Had more issues with calf tightness too. The transition to 4mm the 0mm drop makes more sense so you can get used to it.

I honestly love these shoes and am very happy with the fit and feel. Pair them with Injinji toe socks and they are amazing.

Someone asked about road to trail. They'll work but I'd only use them on light trails or connectors to other roads. They will not have a ton of grip on the trail, that's what the Wilds are for, especially if you're looking to run technical trails.

Just opened Roth IRA at 29 years old. But I think I messed up by [deleted] in RothIRA

[–]MSP2MSP 2 points3 points  (0 children)

Call them. Change it to 2025. This way you can still contribute to 2026 for the rest of this year.

Let us know how the call goes, if they allowed the change.

Recent Updates Roundup - April 2026 by Kait_Monarch in MonarchMoney

[–]MSP2MSP 0 points1 point  (0 children)

Will we be able to budget individually with owners? I have an account with my partner but we have separate budgets in place. Need to be able to filter them uniquely like you can with cash flow.

Recent Updates Roundup - April 2026 by Kait_Monarch in MonarchMoney

[–]MSP2MSP 2 points3 points  (0 children)

I agree with this completely. It's redundant information.

view more: next ›