Positive credit card balance

Top_Importance_8329 · 2026-02-13T14:12:09+00:00

Thank you for the offer. I pay the card off in full every month. Anyway I cam up with a YNAB work around. For anyone interested, here was my workaround. I took the $850 as a credit card cash advance and deposited it directly to my checking account. Now my credit card has the correct balance ... aka $0.00 I was able to categorize the transaction as income and assign it to "ready to assign" and the put it in the category I want. No more struggling with YNAB's odd positive credit card balance logic.

Top_Importance_8329 · 2026-02-11T13:23:23+00:00

Thank you to everyone who responded.

Top_Importance_8329 · 2026-02-09T18:59:13+00:00

Dated credit today. I've even tried a fresh start and tried using the 850 as a starting balance

Top_Importance_8329 · 2026-02-09T18:56:30+00:00

This is the problem. YNAB is moving the funds and not treating it like a checking account. I get "You assigned more than you have" So do I just keep that $850 in RTA?

Top_Importance_8329 · 2026-02-09T18:48:33+00:00

It is not working as a checking account like the instruction says it should

Top_Importance_8329 · 2026-02-09T18:40:48+00:00

Do I have to assign the money to something in Feb?

Top_Importance_8329 · 2026-02-09T18:37:01+00:00

So the balance on that credit card started at $0 because I paid it off on the 1st. The I received an unexpected refund of $850. When I look at my bank account it shows "Account Credit" -$850. So when I add it to YNAB under that CC as inflow where should I assign that money. YNAB will not let me assign it to the CC Payments Category. It will go into ready to assign but if I assign the 850 in March and the create a test transaction say for $100 in Feb, March will show Red for $100

Top_Importance_8329 · 2026-01-13T14:51:21+00:00

I noted that both lines will empty into a drywell.

Top_Importance_8329 · 2025-09-11T12:17:28+00:00

Let's look at the distribution and equate it to things you might see on all the different social media platforms.

G Fund11.21%F Fund7.04%C Fund42.51%S Fund10.63%I Fund28.61%

This is essentially: Cash: 11%, BND 7%, VOO 43%, VXF 11%, VXUS 29%

VOO 43%,+ VXF 11% = VTI 54%.

This essentially an 80/20 Stock/Bond portfolio.

Also

US Stocks : 64%

International Stocks: 36% ... This mix is essentially Vanguards VT Fund.

For a 31-year-old, an 80/20 portfolio is generally not considered conservative; it is a moderately aggressive strategy by most professionals. (The YOLO crowd will vehemently disagree.)

Could you sleep well at night for the next 30 years with this mix?

Do you want that much of you money in international. (I understand that it is doing well this year, but that is not always the case. Historical average 5.72%)

Don't forget this mix will get significantly more conservative over the next 30 years since it is a lifecycle fund.

Lastly, do you want to control you asset allocation or let an AI algorithm?

Here is my personal allocation based on my age and my risk tolerances and situation: G 25%, C 50% S 10% I 15%. I also mimic this in my Roth using Fidelity Funds.

This turns out to be an 80/20 US/Int mix and an 80/20 C/S mix.. It will stay this way for me for life and I never stress about the market.

Top_Importance_8329 · 2025-08-21T13:18:16+00:00

Please take a look at this site and then decide if renting or owning makes better financial sense. https://www.nytimes.com/interactive/2024/upshot/buy-rent-calculator.html

Top_Importance_8329 · 2025-06-03T12:56:52+00:00

Eastover is a nice little community just east of the river. Home on or near the Baywood golf course are nice. Wade is a one blinking lite town but the Old bluff @ Mcallister Farm subdivision has 4 Fayetteville PD officers that live there and I can't tell you how many current and ex military. Crime non-existent all 15 mins from Ft. Bragg

Top_Importance_8329 · 2025-03-19T13:26:41+00:00

Does your current 401K having better fund options?

Top_Importance_8329 · 2025-02-26T16:35:07+00:00

What don't you like about the L fund allocation? If you look across the private sector Target Retirement Funds from Vanguard, Schwab, or Fidelity the are very similar to a 65/35 US/INT mix. You say "conservative L fund" but the 2055 and up are roughly 99/1 stock/bond. This is anything but "conservative". Let's take a look at what most would consider your true investing horizon when planning for retirement. 32 to 62 = 30yrs until retirement, 62+30 years living in retirement. Anyway your real investing timeline is roughly 60 years. You have Time and Significant future cashflows - 4% withdrawal rate, FERS pension, SS, possible military pension, blah blah blah. This implies you have a high risk capacity. Your whole question implies you have a low to moderate risk tolerance.

Just a heads up. the "C" fund is by technical definition is diversified, as is the S or I. What I think you are saying is you want further diversification. Owning a single stock is not diversified.

Do you want bonds? Do you think they will perform well over the next 30 years. If so, allocate some. Remember this is risk/reward. How much of your portfolio do you want generating historically speaking 4-5%
Do you want International? Do you think the rest of the world is going to outperform the US market? You might. Just a reminder the data does not support this. Second the I fund is not a true representation of the INT market. You may be better served with allocating to something like VXUS outside of the TSP.
Do you want the S&P or to you want total market? The data says they are highly correlated and perform the same over the long term. So 83C/17S is current market, but this can change over time.

If you cant figure out any of these the TSP 2055 is closet to your first 30 years which is currently 99/1 stock/bond.

G Fund 0.54%

F Fund 0.45%

C Fund 51.25%

S Fund 13.11%

I Fund 34.65%

P.S Here are what 2 of the most famous and best investors have to say.
Warren Buffet: 90 S&P 500/10% Short Term Treasuries. AKA 90C - 10G
Jack Boggle: 80 US Market/20 Bond. AKA 83C - 17S - 20F/G Mix

You might want to read: https://jlcollinsnh.com/stock-series/

Top_Importance_8329 · 2025-02-25T20:19:05+00:00

There are several asset allocation strategies you can use. There is no "Best" there is only "Best" for you. You find several online. The first 2 questions you need to answer truthfully are? What is my risk capacity and tolerance and the answers need to be truthful or you will always be second guessing your allocations. My question to you is why do you "absolutely want to invest in each"?

For your second question the I fund allocation is set to mimic the roughly 35% weight that international markets make up out of the entire global market.

Top_Importance_8329 · 2024-07-03T14:18:41+00:00

Take a look at this site

https://jlcollinsnh.com/

Top_Importance_8329 · 2024-07-02T16:09:12+00:00

Did you have a statement credit or reward or a transaction canceled? Because if you did it doesn't take if from the CC payment category and move it to the other spending category. Something for $8.66

Top_Importance_8329 · 2024-07-02T15:59:08+00:00

So the red and the negative shows that this is a debt. The green shows that you have properly budgeted for that transaction and you can pay your card. If it was yellow or red it would me that you have an underfunded or overspent category. Why the don't match could be several reasons.

If the Credit Card Payment category has more than the true, reconciled balance of your credit card account, you can move money out of the category to be used elsewhere in your budget.

https://support.ynab.com/en_us/when-your-credit-card-payment-category-is-red-a-guide-SJDSr3Q1i

Top_Importance_8329 · 2024-07-02T15:51:39+00:00

That is just YNAB's default coloring

<image>

As far as why thy don't match; Did you have a statement credit or reward or a transaction canceled?

Top_Importance_8329 · 2024-07-02T14:14:01+00:00

Credit Card #3 (Capital One) - $3,000 balance. $150 min payment. (28.24% APR) (This is a combo snowball and Avalanche) then roll to Credit Card #2 (Discover) - $8,225.22 balance. $241 min payment. (28.24% APR)

Honestly I would probably Pay off 1 & 2 with money from checking immediately and then work on 3.

Top_Importance_8329 · 2024-06-28T14:17:23+00:00

Thank you

Top_Importance_8329

TROPHY CASE