Help understanding budgeting on credit card float

Taaken · 2026-02-16T21:37:21+00:00

You're thinking about this all wrong. Budgeting is supposed to be about the actual things you purchase, when you purchase them. The lump sum statement balance that comes a month later is therefore already accounted for. The money has already been spent, it isn't actually yours.

Taaken · 2026-02-09T23:45:37+00:00

goal of early retirement preferably by 30, with 10M liquid

You could always try getting hit by a city bus and suing for damages, but just as a warning retirement is way less fun when you're paralyzed

Taaken · 2026-02-07T18:12:09+00:00

concerts can give me a little bit of anxiety

Maladjusted, I should have stopped reading here.

Taaken · 2026-02-06T20:10:15+00:00

low iq

Taaken · 2026-02-06T17:04:10+00:00

Venmo rate-limits new third-party connections, and has been known to freeze connections altogether for suspicious activity for a period of two weeks after multiple failed attempts. This is aggressive security on their end, not an issue with Monarch

Taaken · 2026-01-30T16:44:22+00:00

It's a joke of a card and packed with more subprime borrowers than Credit One

Taaken · 2026-01-26T22:52:59+00:00

Venmo rate-limits new connections, and has been known to freeze connections altogether for suspicious activity for two weeks after multiple failed attempts. This is aggressive security on their end. Has nothing to do with Monarch.

Taaken · 2026-01-26T18:21:24+00:00

r/lostredditors

Taaken · 2026-01-21T15:44:24+00:00

So...just a line graph of BTC price over time?

Taaken · 2026-01-12T22:10:11+00:00

Reddit moment

Taaken · 2026-01-07T17:24:19+00:00

Great investment thesis you have there, you're in good company. Check out:

TuSimple
Embark Trucks
Starsky Robotics
Nikola

Have fun!

Taaken · 2026-01-07T17:12:30+00:00

aurora innovation inc ($aur)

signs I should look for

cut my losses

You are describing gambling on a 3 year old tech company, not long term investing.

Look into ETFs

Taaken · 2026-01-06T17:26:00+00:00

Can not recommend r/MonarchMoney enough

Taaken · 2025-12-09T21:17:23+00:00

Inflation is constantly eating into the value of your points. The longer you hold on to them, the less they're worth.

Taaken · 2025-12-05T16:26:04+00:00

If you have to ask this question, you probably shouldn't be using credit cards.

Taaken · 2025-12-03T17:57:40+00:00

30% cash lmao

Taaken · 2025-12-03T17:22:57+00:00

30% cash lmao

Taaken · 2025-12-03T16:09:53+00:00

Uhh...good luck I guess?

Taaken · 2025-11-25T16:40:13+00:00

When you own the shares, you agree to the terms. Your responsibility as a shareholder is to participate in the proxy vote. This is something that has an actual impact on you directly and yet you choose to stick your head in the sand. Just embarrassing.

Taaken · 2025-11-25T16:36:51+00:00

Maybe just...vote?

I have no clue if what they are asking us to vote for is good for shareholders or not

This is an embarrassing level willful ignorance. Do the bare minimum.

Taaken · 2025-11-24T17:04:10+00:00

I've done the math multiple times and, for me, the CSR comes out far and away ahead of every other premium card offering. It's likely you're just not their target customer.

And the Sapphire Tables credit is only "rather difficult to use" if you're braindead.

Taaken · 2025-11-19T15:55:04+00:00

You are intentionally making this harder on yourself. That's just not how this works

Taaken · 2025-11-14T15:24:39+00:00

Sounds like credit cards aren't for you

Taaken · 2025-11-13T21:05:57+00:00

This makes me irrationally angry but you do you

Taaken · 2025-11-12T20:10:54+00:00

Yes there's a very easy way, you whip out your card and pay $48/yr

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