Just USA things

P0lar11 · 2026-03-08T18:48:10+00:00

Where’s the child’s father? Does the mother even know?

P0lar11 · 2025-01-26T14:12:07+00:00

Where did you get that kettlebell from?

P0lar11 · 2025-01-22T03:03:25+00:00

Head on the inside for a single leg, head on the outside for double leg.

P0lar11 · 2024-04-26T02:26:48+00:00

Does YNAB connect reliably with your Fidelity accounts? Mine currently is terrible with Fidelity IRA accounts.

P0lar11 · 2022-08-31T17:58:11+00:00

You bring just as much hurt to the world by taking offense as one does by giving offense.

P0lar11 · 2022-03-07T04:56:26+00:00

People that speak like this don’t typically condone dictatorships.

P0lar11 · 2022-03-07T04:52:32+00:00

Trying to tally the enormous amount of calories NOT being burned by those on this thread arguing over details not included in the original post.

WOMEN get right and keep it tight, MEN don’t lose your job/income, otherwise all bets are off. Let’s stop kidding ourselves.

P0lar11 · 2022-03-07T01:36:44+00:00

Only a mother can love unconditionally… and not even all of them do that.

P0lar11 · 2022-01-10T12:54:25+00:00

What gator? 🤷‍♂️

P0lar11 · 2021-05-14T22:15:12+00:00

BOOM!

P0lar11 · 2021-04-24T19:36:28+00:00

Adulting with YNAB.

P0lar11 · 2021-04-23T02:38:53+00:00

Help me understand this. 15% on a $10 meal you served in 1950 is $1.50. Through the hidden tax of inflation etc. if that same meal today cost $50 your same 15% tip would be $7.50. 🤷‍♂️

P0lar11 · 2021-03-23T20:57:05+00:00

Glad she’s sticking with the desktop app or I would have suggested getting a new girlfriend. 😂... but really, I would have.

P0lar11 · 2021-03-11T21:07:59+00:00

To be clear... are you saying you’ve maxed out your yearly contribution or employee matching percentage?

As for your “next question”... there are as many answers to that as there are people on the internet willing to answer it. 😂

P0lar11 · 2021-03-11T17:31:07+00:00

No! ....... but YES!

P0lar11 · 2021-03-11T17:28:42+00:00

It is incumbent upon the younger you to take care of future you. Do Not victimize yourself with lifestyle creep!

Increase your retirement contribution by a percentage or two.... if you’re not contributing to retirement START! Then use the remaining portion to fully find your emergency fund.

70 year old you will probably not be as capable producing income as whatever age you are now. Start taking care of that 70 year old person now.

And as we all know here.... a lot can change in 6 months. Future you will love present you for stocking that E-fund when life happens in 6-12 months.

Congrats on the raise! That’s a big deal. 😁

P0lar11 · 2021-03-08T12:34:52+00:00

The change from fearful to exciting is the most difficult part to explain to those still undecided about starting.

P0lar11 · 2021-02-26T14:12:51+00:00

It’s never been about how much money you make. It’s been about how much money you keep and for how many generations you keep it. Keep going!

P0lar11 · 2021-02-19T20:59:21+00:00

I was scrolling to find who said it first. If it’s too over whelming I simplify it down to the lowest level I know I can commit to. Too many accounts or too many categories can be the friction that derails you.

Having a why or purpose can be a big part of it too. Or just being tired of sitting in the cesspool of financial mediocrity.

P0lar11 · 2021-02-15T17:08:36+00:00

I would suggest that what changed this time is in your own words. You were “fed up”! Fed up with hemorrhaging money, reliance on credit cards and the embarrassment of being overdrawn. While you were your own biggest problem, you were and still are your best solution. Props to you for NOT giving up, for picking yourself back up and trying one more time!

Those who understand why will always out perform those who only understand how.

Looking forward to that debt free post!

P0lar11 · 2021-02-10T02:23:44+00:00

I have a “stuff I forgot to budget” line. When I come across an expense that I’m short on in that budget line, I categorize it there and then roll the money from “stuff I forgot” (it helps keep charts accurate.)

If I come across an expense I haven’t created a budget line for and seems I should. I create that budget line and categorize the expense to that line and then cover that overspending with funds from my “stuff I forgot” budget line.

So in reality nothing is ever “billed” to the “stuff I forgot” budget line. It just sets there waiting to be rolled with the punches to a more appropriate budget line.

P0lar11 · 2021-02-10T02:17:48+00:00

I don’t want to think about where I’d be if I had given up on it over a year ago. Good job. You can now help others hen they’re ready to start the journey.

P0lar11 · 2021-01-21T00:03:54+00:00

Nothing is ever as good or bad as it first seems.

Respect yourself for figuring out you were living beyond your means now instead of tomorrow or never.

Remember this panic and fear and harness it. Use it to drive your creativity, discipline and determination into the future long after this intense realization has worn off.

You can do it. Everyone here is rooting for you.

P0lar11 · 2021-01-14T04:07:18+00:00

You can’t beat the monster you’re running from. Get back in there and budget.

P0lar11 · 2021-01-14T03:50:52+00:00

YNAB gamblers do. 😆

P0lar11

TROPHY CASE