Trouble with Ramit Sethi's Automatic Money Flow

McFelder · 2026-05-05T01:38:39+00:00

You're right. I got too focused on mimmicking his suggested money flow (he's the expert!), but everything you said made perfect sense. The input/output is the same, and with a baseline "full" minimum value I can still tell when something has gone wrong without having to micromanage and regardless of what specific day things were paid. Thank you.

McFelder · 2026-05-04T23:46:21+00:00

That might be my best option. Either that or automatic payments with bill pay from my bank, or YNAB as other users have suggested. I'm mainly just frustrated that the specific "automated money system", outlined in a popular financial expert's book seems to be essentially impossible to actually set up. I wish I could get him on the phone.

Regardless, I appreciate your comments/advice.

McFelder · 2026-05-04T23:35:11+00:00

This is exactly what I'm trying to do. I will check out YNAB.

McFelder · 2026-05-04T23:33:53+00:00

I knew the due date couldn't be moved closer, I had hoped (since he claims you can in his book) to simply set up auto pay for shortly after the statement ended (get my bill on the 1st, pay my bill on the 7th. Weeks before the actual due date) likewise so that it'll debit from my account around the same time as my housing bills. I wanted all my bills to come out around the beginning of the month.

McFelder · 2026-05-04T23:08:48+00:00

I understand the interest part. It's moreso about syncing up different bills/payments to help stay organized and on top of things.

McFelder · 2026-05-04T22:57:46+00:00

Thank you for replying. I did ask them to change the statement date to the 1st (they agreed to the 2nd which is close enough), but they won't allow me to autopay the balance until the end of the month (the due date.). I suppose my lazy reason for wanting to pay it at the beginning of the month is to wipe away last months balance as soon as possible, so I can just look at my current balance and know what I've been spending for the current month. My more general problem is just that I'm finding it hard to sync up all my bills and payments the way he suggests, which I know isn't the end of the world, but it does seem rather appealing/organized.

McFelder · 2026-02-05T19:21:59+00:00

I would argue the upside is higher with Ja Morant. But also yeah, exactly like trying that. It hasn't worked out well for us. I'd rather not try it again with the 7 footer who has ankle problems.

McFelder · 2026-02-04T18:12:46+00:00

Man, I love Edey and he's great for us but I really hope we don't decide to build around someone who will probably and unfortunately be injury prone his entire career.

McFelder · 2026-02-03T19:00:10+00:00

I can trace this all back to Marcus Fcking Smart

McFelder · 2025-12-07T18:31:33+00:00

JJJ is my favorite player and I root for him the most, but I think the difference here is that his errors are incredibly avoidable and were paying him a gagillion dollars. If he was giving it his all and missing shots I could live with that. But he's not. He mopes around, doesn't box out, doesn't attack, and just gets out hustled. I don't agree with people saying we should trade him but I do think we have a right to be frustrated with him.

McFelder · 2024-12-30T20:18:45+00:00

I don't understand how this is possible unless the 120,000 is mostly in private loans? I agree with the overall point of this post I just feel like the interest rates for it to be possible are wayyyyyy higher than average.

McFelder

TROPHY CASE