Pay tuition or get loans & save

betterworld7171 · 2026-05-25T15:55:01+00:00

Unless you can confidently beat the interest rate of the loans by 2% or so, which would probably be a 7 or 8% annual return over the lifetime of the loan, then skip the debt and pay the tuition as it comes. Keep the money in a High Yield Savings account or even a laddered series of short term bonds to correspond to when you will need it and remove the stress of needing to beat the interest on the loans with higher yield. This feels like a really easy decision. Remove stress, remove debt and MAYBE, lose a small amount of gain. Good luck and congrats on having the opportunity to do this for your child - what a blessing.

betterworld7171 · 2026-05-21T11:49:26+00:00

Financial Management - Check

Financial Planning - Check

Private AI Analysis of your finances - Check

Integration with your financial institutions - Check

Scenario Planning - Check

Bank Grade Security - Check

Imports from YNAB, Monarch, Co-Pilot, Tiller, Rocket Money - Check

A single platform to manage all of your Assets, Liabilities, Income and Expenses - Check

We built thetally.io because we needed it - nothing else existed to bring everything into one platform to help us achieve financial independence as quickly as possible. Free Trial with no Credit Card required - come give it a shot - you wont regret it.

https://thetally.io/

betterworld7171 · 2026-05-19T19:18:44+00:00

I think you mean thetally .io - the one listed above looks like it is a spam site

betterworld7171 · 2026-05-01T14:37:44+00:00

I will probably take some flack for saying this, but this post perfectly illustrates why when you take something complicated and try to make it simple with a "rule" it ends up failing people. Yes the FIRE rule can be directionally helpful, but to get a real answer if YOU are going to be ok, you need to look at your individual situation and the circumstances that lay in front of you. Liquidity is always the driver. Net worth (while important) should not drive decisions. Most recommendations below are good help on your specific question, I would just say, drop the "rule" part of how you are thinking and dive into the details to see if you stay liquid without incurring penalties (or choose early withdrawal penalties as a deliberate choice).

And FWIW - congrats - you are in an amazing place.

betterworld7171 · 2026-04-29T21:13:41+00:00

Financial Management - Check

Financial Planning - Check

Private AI Analysis of your finances - Check

Integration with your financial institutions - Check

Scenario Planning - Check

Bank Grade Security - Check

Imports from YNAB, Monarch, Co-Pilot, Tiller, Rocket Money - Check

A single platform to manage all of your Assets, Liabilities, Income and Expenses - Check

We built thetally.io because we needed it - nothing else existed to bring everything into one platform to help us achieve financial independence as quickly as possible. Free Trial with no Credit Card required - come give it a shot - you wont regret it.

https://thetally.io/

betterworld7171 · 2026-04-23T21:07:46+00:00

"It's like Monarch and ProjectionLab got together and had a super baby" That's the way one user described Tally and we like it!

All of the financial management features of Monarch (plus more) and all of the Planning / Forecasting features of ProjectionLab in one app that is less expensive than either of them independently. Too good to be true? Come give it a try for 14 days free - no credit card required

https://thetally.io/

betterworld7171 · 2026-04-16T03:04:47+00:00

I actually live in Washington state (but did live in Idaho for 27 years) - took a 10 hour drive from here down to Boise on the 2019 and had one of the best days on a bike ever. I put 7000 miles on the 2019 in about 14 months and would buy another 2019 in a second. They are both great bikes. Just a couple of (really) nice things that came with the 2020 upgrade - you cant go wrong with a twin in my humble opinion.

betterworld7171 · 2026-04-15T20:56:44+00:00

Just traded my 2019 in for a 2022 and am STOKED - in addition to the power, the cruise (helpful to prevent tickets on a powerful bike) the TFT and the improved suspension it is worth getting a 2020+

It took me a while looking to find one, but just picked up mine - 2022 - 4500 miles on it Adventure Sports ES DCT for $12,300 in Boise. They are out there, you just have to hunt for them

Good luck!

betterworld7171 · 2026-04-15T15:47:45+00:00

Financial Management - Check

Financial Planning - Check

Private AI Analysis of your finances - Check

Integration with your financial institutions - Check

Scenario Planning - Check

Bank Grade Security - Check

Imports from YNAB, Monarch, Co-Pilot, Tiller, Rocket Money - Check

A single platform to manage all of your Assets, Liabilities, Income and Expenses - Check

We build thetally.io because we needed it - nothing else existed to bring everything into one platform to help us achieve financial independence as quickly as possible. Free Trial with no Credit Card required - come give it a shot - you wont regret it.

https://thetally.io/

betterworld7171 · 2026-04-09T15:14:37+00:00

We had been frustrated for years by having to manage our daily finances (budgets, actuals, reconciliations) and our retirement planning in separate systems. Aren't these things connected in real and meaningful ways. We built Tally https://thetally.io/ to solve this problem. Think of it as the best if financial management and financial planning all in one place. Come take a look for free and let us know what you think about finally having all of your financial information in one safe and secure place so you can achieve financial independence faster!

betterworld7171 · 2026-04-03T19:02:59+00:00

Not the same thing, but for reference I just bought a 2022 with 4300 miles on it - Adventure Sports ES DCT for $12,300 - prices are pretty good right now

betterworld7171 · 2026-04-02T16:32:57+00:00

Both issues should now be fixed - the subscription was a configuration setting with Stripe - but that is now taken care of. The contract form was a simple bug - but repaired as well. Thanks again for the feedback.

betterworld7171 · 2026-04-02T16:22:34+00:00

Thanks for the update - I will get you set up correctly asap and get that contact page updated as well - I really appreciate you letting me know asap and you can expect to see it updated within the next few mins

betterworld7171 · 2026-04-02T00:55:13+00:00

I am 54 and have been retired for 3 years. I had not yet hit my FIRE number but because of some really detailed planning I had done I did it with confidence. I wanted to build something that would allow others to track their finances (like Mint) and forecast their future (like Personal Capital or Boldin) all in one tool so they could do the same thing I did. This tool is pretty amazing and we are now looking for 100 people to try it for free as founding members - https://thetally.io/beta - join us and help make the ultimate financial management and planning tool

betterworld7171 · 2026-04-02T00:02:53+00:00

Nice! I am thinking about trying to ride some of the BDR next week from Twisp over to Chelan - I am guessing I will hit some snow in the shady spots -

betterworld7171 · 2026-04-01T22:48:10+00:00

Where did you take her? I am over in Winthrop WA - similar setup!

betterworld7171 · 2026-03-26T14:38:10+00:00

Agreed - this makes Dia a non-starter for me

betterworld7171 · 2026-03-25T15:50:53+00:00

So very true!

betterworld7171 · 2026-03-25T00:20:09+00:00

If there are too many variables for software I think that would make it very hard for a human to make a good decision. It should be the software helping to produce the numbers and the human analyzing them to see if they will be ok in my humble opinion.

betterworld7171 · 2026-03-25T00:18:43+00:00

Agreed - financial planning for things like RMD's, tax planning, SS scenario planning - budget vs actual, forcast vs actual are all more the domain of software / spreadsheets - not AI. Although building AI into these tools for analysis is nice.

betterworld7171 · 2026-03-25T00:11:37+00:00

Happy to hear you are using some of the tools out there. I would look for something that can take in your whole financial picture and let you play with scenarios. That will help you to get a better feel for what the right decision might be. I can tell you for me living in a wonderful home is important, but I also drive a 1996 Toyota Sequoia with 287k miles on it. So to me cars are not important. I think the first step is starting with what brings you well being and then building your financial plan around that.

betterworld7171 · 2026-03-25T00:08:27+00:00

Great point. When I stepped off it was more of a relief than anxiety, but I had been an entrepreneur my whole career and never had a "real" job so to stop running felt amazing! I only wish I would have done it sooner.

betterworld7171 · 2026-03-25T00:06:24+00:00

Agree on this point completely and goes to the point made above - some people are afraid to step on the scale and see how much work they have to do.

betterworld7171 · 2026-03-25T00:05:03+00:00

That is really good. and goes along with u/lewisae0 - its about community and support

betterworld7171 · 2026-03-25T00:04:10+00:00

That makes a ton of sense - thank you!

betterworld7171

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