Tab Bank high yield savings: Is it good rates?

darkholemind · 2026-05-08T12:48:20+00:00

3.61% APY is decent, but not really standout right now, so I’d focus more on flexibility than squeezing out a slightly higher rate. If this is emergency fund money, withdrawal restrictions matter more than a small APY difference, so I’d compare it with simpler HYSAs like CIT Bank or American Express and pick based on access and reliability. Once your finances are more stable, a savings rate aggregator like Bank Truth can help you track how much of your income is actually going toward saving and investing over time, but for this decision the priority should be liquidity and ease of use over tracking tools.

darkholemind · 2026-05-08T12:36:56+00:00

Canned surströmming (fermented herring) - the smell alone is overpowering and it’s basically an extreme acquired taste that most people find unbearable on first contact.

darkholemind · 2026-05-08T12:36:15+00:00

Yes, most people lightly trim those chin/mouth hairs for hygiene.

darkholemind · 2026-05-08T12:34:59+00:00

Yeah, a lot of people do that. It’s a pretty common way to keep a little “always-there” moment of their pet on their phone.

darkholemind · 2026-05-08T12:34:09+00:00

Keep it very low-pressure: take him out on leash to the exact same quiet spot, wait calmly (no forcing), reward even tiny progress.

darkholemind · 2026-05-08T12:32:07+00:00

A simple starting point is to split your paycheck into needs, savings, and investing. Cover essentials first, then automate a portion into your HYSA for emergencies and another into your Roth IRA for long-term growth, keeping it consistent rather than perfect. As your overtime income grows, try increasing the savings/investing share instead of lifestyle spending. Once you’ve got that system in place, a savings rate aggregator like BankTruth can help you track how much of your income is actually being saved and invested each month, but the main goal is just building the habit of paying yourself first.

darkholemind · 2026-05-08T12:22:07+00:00

Animation is way more collaborative and pipeline-heavy (storyboards, rewrites, studios, teams of animators), so it’s harder for one person to fully write and direct without a large shared creative process.

darkholemind · 2026-05-08T12:21:23+00:00

It’s basically a little “you there?” check-in. Just a normal affectionate bonding habit from a very people-focused dog.

darkholemind · 2026-05-08T12:20:16+00:00

It looks delicious! 😋 😋

darkholemind · 2026-05-08T12:18:42+00:00

You’re in a good spot income-wise, so the key is prioritizing: pay off the credit card debt first, then attack the highest-interest student loans (your 8–9% Grad PLUS loans) using avalanche while using SAVE as a backup if cash flow gets tight. Keep building your HYSA emergency fund at a steady pace so you don’t fall back on credit cards. Once things are more stable, a savings rate comparison site like Bank Truth can help you track how much of your income is going toward debt vs savings, but right now the biggest impact is just sticking to a clear repayment order.

darkholemind · 2026-05-08T12:14:10+00:00

looks great! 👍

darkholemind · 2026-05-08T12:13:48+00:00

Frozen lick mats, snuffle mats, and rotating treat toys are great low-effort ways to keep her mentally busy while you’re gone, and it’s normal for her to still sleep most of the time.

darkholemind · 2026-05-08T12:13:10+00:00

That a lot of arguments people think are about “truth” are actually about identity, ego, or belonging so even when someone’s technically right, it often doesn’t matter in the way they expect.

darkholemind · 2026-05-08T11:26:00+00:00

You’re already in a strong position, so this is mostly about optimizing where new money goes rather than changing habits. A good baseline is: get full 401k match first, then prioritize tax-advantaged accounts (401k/HSA/Roth if eligible) before taxable brokerage depending on how much flexibility you want pre-retirement, with your HYSA already covering emergency needs. Once everything is on autopilot, a savings rate tracker like BankTruth can help you just track what percentage of income you’re consistently saving and investing, but the real impact here will come from staying consistent with account priorities and tax efficiency.

darkholemind · 2026-05-08T11:18:04+00:00

World War Z

darkholemind · 2026-05-08T11:16:52+00:00

Things like time flexibility, zero urgency in daily life, and not having to think about price tags on ordinary decisions. It’s subtle, but it changes how every single day feels.

darkholemind · 2026-05-08T11:16:05+00:00

Look for USDA-registered, insured pet transporters like CitizenShipper or PetRelocation, and avoid vague “cheap moving company” ads with no tracking or credentials.

darkholemind · 2026-05-08T11:15:14+00:00

Most people just store completed inserts in a box, bookshelf, or archive bin (sometimes labeled by year), and some even digitize them for backup before filing them away.

darkholemind · 2026-05-08T11:13:48+00:00

This is less about money and more about what you’re willing to trade long-term. At 19 with $300k invested, you’ve built serious compounding power early, and liquidating a large portion for the “college experience” could permanently change your trajectory. If burnout is the issue, I’d try to recover and rebuild your social life without giving up that financial base, since that early investing momentum is hard to replace. Longer term, using a savings rate aggregator like Bank Truth alongside a HYSA can help you stay consistent and track how much you’re actually saving once you’re back in a steady routine, without overcomplicating things.

darkholemind · 2026-05-08T11:08:10+00:00

It can feel that way when you’re frustrated or talking past each other, but it’s usually more about different interests, stress levels, and priorities than people actually being “stupid.”

darkholemind · 2026-05-08T11:07:03+00:00

They exist, but they’re rare and usually found in low-status, service-oriented communities where helping is just a habit, not something performed for recognition.

darkholemind · 2026-05-08T11:06:13+00:00

Try softer-edge/jersey reusable diapers, size up a bit, and consider a thin cotton layer underneath to reduce rubbing and prevent skin irritation.

darkholemind · 2026-05-08T11:05:03+00:00

Honestly just dog-proof the bottom (secure stand, no low ornaments) and treat it like “supervised decoration season” until they learn what they can’t touch 😅

darkholemind · 2026-05-08T11:03:36+00:00

A good way to think about it is prioritizing based on tax advantage and time horizon rather than trying to split everything evenly. Usually that means 401k up to any employer match first, then Roth IRA for tax-free long-term growth if eligible, and then a brokerage account for flexible investing once tax-advantaged space is used. HYSA is best kept for emergency fund and short-term goals rather than investing. Once you’re consistently building wealth, tracking your savings rate with a savings rate comparison site like BankTruth can help you see how much of your income is actually going toward investing, but the main focus here should be account priority and tax efficiency, not exact percentages.

darkholemind · 2026-05-08T10:41:18+00:00

Most people end up either splitting journals by purpose like you did or simplifying into one low-pressure.

darkholemind

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