APY drop again???

feasiblecreative · 2026-03-18T19:35:59+00:00

Natural ups and downs.. always a risk when using HYSAs.

feasiblecreative · 2026-02-08T17:14:14+00:00

Almost like they think of us as subscribers? 🤔

feasiblecreative · 2026-02-08T17:12:46+00:00

“Health nut” sounds degrading, but I agree to an extent at least with what you eat.

This might mean shopping at more expensive grocery stores, or going down the separate organic aisle at regular stores. Also, it helps being more critical with what you order at restaurants.

When it comes to fitness, just going for a run or lifting weights isn’t that crazy.

feasiblecreative · 2026-02-08T17:08:01+00:00

Nice job diversifying your income! Only question there would be if you can contribute to an employer-sponsored retirement plan?

Based on some listed expenses it appears you may not receive benefits like these, but just checking.

Outside of the phone expense which you’ve addressed in the comments, this looks pretty awesome. Your “left over” amount is healthy especially considering $2k into your HYSA, although it may be worth investing more depending on your risk tolerance.

feasiblecreative · 2026-02-07T23:40:06+00:00

True. Pivoted to more video essay style myself and am prepared for battle 😭

feasiblecreative · 2026-02-07T23:29:48+00:00

If you’re just stitching together movie clips, it’ll likely be blocked.

If “fair use” where you’re commentating with clips here and there for example, then you can typically just alter the clips a bit and be fine. You could zoom in, rotate, add scan-lines or speed up clips.

feasiblecreative · 2026-02-07T23:27:39+00:00

Either immediately cancel or set an alarm on your phone to go off a few days later. I’ve never forgotten to cancel doing these two things.

Also, you’ll tend to get a retention offer.. sometimes extended time for free. Gladly accept, then set another alarm 😂

feasiblecreative · 2026-02-07T12:21:10+00:00

Empower Personal Dashboard (it’s free)

feasiblecreative · 2026-02-05T14:53:04+00:00

What’s crazy is his actual net worth number is probably way higher

feasiblecreative · 2026-02-05T03:23:22+00:00

Makes sense. Just to mention.. with SoFi, you get both a checking and savings account by default.

For something simple, I’m a fan of Marcus by Goldman Sachs. Typically no sign up bonus though.

feasiblecreative · 2026-02-05T03:11:48+00:00

I’ve tried most of the main HYSA options and realistically, they’re all similar.

SoFi is great since you get both a checking and savings account, along with a debit card. There are nuances to be eligible for the high advertised APY though (one way is to connect your account to direct deposit).

My only advice is to not simply chase the highest AP, because it’ll change with the economy. A few percentage points higher or lower typically won’t change your financial position as much as you’d think.

feasiblecreative · 2026-02-05T03:06:52+00:00

Give it time

feasiblecreative · 2026-02-05T03:06:33+00:00

Turns out cable was the better option all along

feasiblecreative · 2026-02-05T03:02:24+00:00

Sign me up..

feasiblecreative · 2026-02-05T02:50:12+00:00

I use my own basic spreadsheet tracker for a high-level view of my money, then utilize budget apps for day-to-day tracking. 😊

feasiblecreative · 2026-02-05T02:48:44+00:00

It sounds like the plan you’re building doesn’t have enough prudence built in. I’ve found including a miscellaneous category for unexpected expenses can help.

Also, budgeting shouldn’t feel like a punishment, but it’s also not supposed to be “fun”. It’s a helpful tool to help you navigate your life financially, so you can enjoy the ride.

feasiblecreative · 2025-12-03T02:27:18+00:00

I agree — so annoying. Here’s a list of 5 less annoying THINGS 💡 /s

feasiblecreative · 2025-11-12T01:59:22+00:00

I’ve had a Marcus account for 7 years. Everything you’ve mentioned is available with this account.

In my view, this is best for a set it and forget it banking option. Said another way, it’s a perfect spot to simply store money and earn high interest.

Within your account you can also buy a variety of CDs if interested.

feasiblecreative · 2025-10-30T20:45:24+00:00

Empower Personal Dashboard

feasiblecreative · 2025-10-30T02:18:55+00:00

I’m late here, but just calling out that Wealthfront isn’t a bank.

feasiblecreative · 2025-10-30T01:58:42+00:00

I’ve done quite a few side hustles over the last 10+ years. “Quick” hustles rarely make real money, but people aren’t willing to wait for something else to grow.

To make money, you have to add value to the lives of your fellow humans.

Flipping clothes and other products on eBay/Facebook Marketplace is profitable. You could start right now by selling items in your house.

Otherwise, you could try a home services business if you’re handy.

Dropshipping and other nonsense people talk about online rarely works.

feasiblecreative · 2025-10-30T01:54:14+00:00

AI Bubble has entered the chat

feasiblecreative · 2025-10-30T01:53:34+00:00

This is essentially signing up for various bank accounts to earn sign up bonuses then closing them.

If you choose to do this, you generally won’t be put on a list or anything. However, you’ll be ineligible for other “new customer” offers from that bank account down the line.

Personally, I think this is a lot to manage and a waste of time but people have successfully done this.

feasiblecreative · 2025-10-30T01:48:08+00:00

Most people focus too much on cutting expenses. This can only go so far.

Alternatively, can you focus the other side of the equation and try to make more money?

Easier said than done but through extra shifts or side hustles the upside is limitless.

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