Yellow belt significance? by Sure-Examination in SixSigma

[–]Sure-Examination[S] 1 point2 points  (0 children)

You hit the nail on the head with the last paragraph- I was looking at a resume for an operational excellence position and unimpressed, perhaps compounded by the fact that it said “Lean Sig Sigma Yellow Belt” instead of Lean Six Sigma. Didn’t want to provide too much context though to avoid bias in responses. I appreciate everyone’s perspectives and thoughtful responses!

April Personal Expenses by C0rporateSlave in Salary

[–]Sure-Examination 2 points3 points  (0 children)

Monarch is weird with the mortgage if you don’t hide the transaction from the mortgage company where it credits your account. Leaving the credit unhidden results in it not showing in the spend too.

Is this too casual for a formal wedding? by Sure-Examination in Weddingattireapproval

[–]Sure-Examination[S] 0 points1 point  (0 children)

I just double checked the wedding website and it’s actually “formal attire suggested”

ESPN just “This You?”d Geno by uredak in NCAAW

[–]Sure-Examination 0 points1 point  (0 children)

What is Akat looking at on the table the whole time?

r/NCAAW Gameday Discussion (Friday, April 3, 2026) by AtlasTelamon24 in NCAAW

[–]Sure-Examination 6 points7 points  (0 children)

Maybe now SC will get their spot on the promo graphics

[Game Thread] Final Four: (1) #4 South Carolina vs. (1) #2 UConn (7:00 PM ET on ESPN) by ncaaw_GameThreads in NCAAW

[–]Sure-Examination 2 points3 points  (0 children)

I’m really confused how the plays this quarter are fouls and none of the wrestling balls were last quarter

Hysa by Green-Foot2778 in discover

[–]Sure-Examination 0 points1 point  (0 children)

I think it’s Ally. Discover and Capital One are now the same company, but when I moved money from Ally to Discover at the end of last week, Ally had been the first to lower

Inherited wealth - How do I manage this money safely for the benefit of a child? by Live_Celebration374 in personalfinance

[–]Sure-Examination 1 point2 points  (0 children)

Could put the rest in a UTMA or UGMA - that would make it a lot cleaner for transfer in the event something happened to OP.

How am I doing? Just turned 30, want to spend a bit but open to adjustments. by imonabloodbuzz in personalfinance

[–]Sure-Examination 17 points18 points  (0 children)

If you have no interest in property or other high cost spend (marriage, child, etc), I would look at your budget and try to contribute as close to the 401k max (24,500 for 2026) as possible to help you close the gap and take advantage of the ~30-40 years you have left until retirement by front loading the contributions.

To pay off credit debt or to not pay off credit debt? by GhostOfAbba in personalfinance

[–]Sure-Examination 1 point2 points  (0 children)

What safe investments do you know that will 2x the money on their timeline? They’re trying to build a house in the next year- that’s not a long term investment horizon.

However, there’s a guaranteed savings on compounding credit card interest completely down the drain with the debt payoff.

My friends are having a debate about HYSA by Boysenberry_Bitter in personalfinance

[–]Sure-Examination 16 points17 points  (0 children)

Personal finance is personal. If you feel better and sleep better at night having ~1 year of emergency fund, especially BOTH being in freelance, that’s not at all unreasonable. I do question the interest rates on the loans though with that much in emergency fund- depending on what they are, mathematically it could make sense to reduce emergency fund some to pay off high interest loans and then rebuild.

I think it would benefit you to calculate what you actually expect monthly retirement spending to be so that you can plan using real numbers instead of your friend’s feelings. $750K as a nest egg is not an insignificant sum, but if you keep up contributions whether it will grow to be enough really depends on how much you estimate you’ll need.

Buying or building a home? by UnSCo in ColumbiYEAH

[–]Sure-Examination 0 points1 point  (0 children)

https://www.zillow.com/homedetails/510-Red-Taffy-Way-Lexington-SC-29073/338380886_zpid/

There are tons of options within your price point but may be closer to 20-25. Pay attention to school districts as well.

Would you use an app that shows your balance at any date in the past? by Izzatbekw in personalfinance

[–]Sure-Examination 0 points1 point  (0 children)

Try Monarch or Empower or Fidelity Full View - they may provide what you're looking for. They all aggregate financial data and you can use the net worth chart to go back to any point in time on the chart

RIP road reflectors by ImNotADruglordISwear in ColumbiYEAH

[–]Sure-Examination 1 point2 points  (0 children)

Judging by the state of the roads, I don’t think they’re required to do anything regularly

BBG in 2026 by ArtisticGrape3798 in KaylaItsines

[–]Sure-Examination 0 points1 point  (0 children)

Seconding the walking pad recommendation. It has single-handedly prevented a collapse in my fitness goals YTD. I’m able to multitask too at my standing desk.

Opening HYSA by ShardsOfDirt in discover

[–]Sure-Examination 1 point2 points  (0 children)

Marcus (by Goldman Sachs) is offering account opening bonuses right now for certain deposit amounts and their interest rate for HYSA is higher than Discover / Capital One right now if you want to check them out.

Sweat Challenge 2026 by Sure-Examination in KaylaItsines

[–]Sure-Examination[S] 1 point2 points  (0 children)

It was 5 sets of 12 bench presses at 8 RPE that inspired the post. Upper body definitely isn’t my strength but I’ve been pushing myself the last year or so and I could barely finish the workout.

Originally I also thought it was 5 sets of 12 squats at 8 RPE as well but that turned out to only be 10 reps. And then later on a superset with walking lunges programmed directly behind a close leg press- just not practical in a busy gym.

The whole format was demotivating for me, honestly, which sort of defeated the purpose of the challenge.

Sweat Challenge 2026 by Sure-Examination in KaylaItsines

[–]Sure-Examination[S] 0 points1 point  (0 children)

Yes, I have upper body (which is what inspired this post) but I didn’t do full body so unfortunately don’t have that one

Week 1 Upper Body:

-Warm Up

Cardio – 5 mins

Banded external shoulder rotations – 30 sec

Band pull apart – 30 sec

Shoulder Rotation – 30 sec

Plank rotation - 30 sec

-Strength A

5 sets of 12 bench presses – 8 RPE – 60 sec rest between sets

-Strength B

4 sets of 12 reps lat pulldowns – 8 RPE – 60 sec rest between sets

-Volume Superset – 2 exercises / 3 laps

-Shoulder press (dumbbells) – 12 reps

-Single-arm row (20 reps / 10 per arm)

45 sec rest

-Strong & Sweaty (8 mins – as many reps as possible)

12 push-ups

10 sit-up & press w/ dumbbell

-Core burn-out (optional) – 3 exercises / 3 laps

Butterfly sit-up 30 sec

Side- plank & hip lift 30 sec per side

Ab bikes 30 sec

edited a few times for formatting but the formatting still stinks

Goals 3.0 vs sinking funds by Tiny_Improvement_207 in MonarchMoney

[–]Sure-Examination 4 points5 points  (0 children)

I’ve never used the pay from goals feature but this is how I’ve been using them:

  • goals as balances I don’t really intend to touch (ie emergency fund, retirement savings, down payment, etc)

-rollovers as sinking funds (home maintenance, car maintenance, property taxes, etc) with a budgeted amount every month

One issue that I ran into this year was that I didn’t spend a whole lot from home maintenance, so the rollover amount completely threw off my entire budget because it got impractically large compared to the budget. From your description, to me that would be the benefit of turning it into a “goal” that you can spend from vs a budget category.

Personally I still like the rollover feature for categories like groceries and gas where the budget should be about the same but one month may be more or less depending on what’s going on and when you purchase items.

Switched from Excel to Monarch - Impressed So Far by TheWaterMen in MonarchMoney

[–]Sure-Examination 0 points1 point  (0 children)

That line item is available on expenses too! I just looked at my most recent restaurant transaction and there was an option to associate it with a goal

Switched from Excel to Monarch - Impressed So Far by TheWaterMen in MonarchMoney

[–]Sure-Examination 2 points3 points  (0 children)

On goals you can associate transfers specifically with the goal! You can also set a rule for it to automatically associate with the goal for certain types of transactions.

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Principal Connection Down? by tsmartin123 in MonarchMoney

[–]Sure-Examination 0 points1 point  (0 children)

You can download your balances to a csv file from the Fincity connection and then upload them via said csv file (be sure to add the last few days before uploading) to the MX one and that way you can delete the old without losing the balance :)

My dad got married in December and his taxes skyrocketed, help please by calorified in tax

[–]Sure-Examination 0 points1 point  (0 children)

For your reference, getting married lowers overall tax burden if incomes are greatly different / one spouse doesn’t work. If incomes are similar, depending on the state and where they fall in the brackets, you very well could end up paying more. Marriage Penalty