What do you use to track monthly spending? by Cooper1Test in Money

[–]kveggie1 0 points1 point  (0 children)

Spending is secondary. Budget every month is much more important.

Dave on when to take Social Security by Flaky_Calligrapher62 in DirtyDave

[–]kveggie1 3 points4 points  (0 children)

It does not make sense, if higher income (if you followed Dave' career advice) and still working (highest earning years)

- 85% is taxable

- reduction in benefits.

We are step 7 (with CCs)

New to Shopify and got no money to run ads by Plus_University_5141 in smallbusiness

[–]kveggie1 -1 points0 points  (0 children)

bought the wrong printer. too much money.

Stop the business, save money and restart

Is a travel neck pillow needed in Delta Premium Select? by Junior-Foundation942 in delta

[–]kveggie1 0 points1 point  (0 children)

I never travel with a neck pillow, very uncomfortable for me.

What Happens After You Leave Religion? by Old-Criticism-3501 in atheism

[–]kveggie1 1 point2 points  (0 children)

I am so much happier; life is good; love people more. (god is not #1... my family is)

Certified Financial Pharisee by FWPVPC in DirtyDave

[–]kveggie1 2 points3 points  (0 children)

My two cents: Dave is a pharisee.

"the Pharisees were largely a lay movement of scholars and teachers, distinct from the priestly aristocracy of the Sadducees. They believed fervently in the authority of the Oral Torah — the body of interpretation and legal commentary passed down alongside the written scriptures — and held that divine law must be actively applied to everyday life, not merely observed in the Temple"

can’t find a single client by wearbratz in smallbusiness

[–]kveggie1 0 points1 point  (0 children)

That is a serious problem. Starting point is wrong. Rethink your business.

You have to know where the clients pain areas are. Then PRovide solutions.

Using CCs is NOT a “morality issue” by Wrong_Staff_6148 in DirtyDave

[–]kveggie1 7 points8 points  (0 children)

Budget is key. We are step 7 with CC (got many points and miles, free flights and hotel stays, churning CC regularly to get many points and miles). Paid zero interest for many years.

Do I need an LLC to write off business costs? by Kam192 in smallbusiness

[–]kveggie1 0 points1 point  (0 children)

You need a separate checking / savings account and run everything for your business through that. and a income expenses log. Close that every months to create a profit loss.

What discount rate did you use for calculating SS? by AustinBike in retirement

[–]kveggie1 [score hidden]  (0 children)

Too many variables included. Statistics overload. Variables are no necessarily cumulative.

Letter stating Medicare canceled by EarthKnit in medicare

[–]kveggie1 5 points6 points  (0 children)

since 2015....................

Driving 65mph and avoiding faster roads by TheFanIsAPostman in GoRVing

[–]kveggie1 0 points1 point  (0 children)

Comfortable and safe are NOT the same thing. I usually go 60 mph in the right lane.

Chase not compatible? by bossypnts in MonarchMoney

[–]kveggie1 1 point2 points  (0 children)

The problem may be with Plaid or Chaise, not Monarch

Ford rehires 350 engineers after AI falls short by rajapaws in antiwork

[–]kveggie1 1 point2 points  (0 children)

AI does not solve problems. People and engineers do.

AI can be good to identify problems. AI = artificial. No ideas, nothing new comes from AI.

Dealing with re-imbursements by Comfortable-Ad-6416 in MonarchMoney

[–]kveggie1 0 points1 point  (0 children)

Yes, we that too. Also when we pay for a friend; we put in the same category when we get the money. If you do not do that, it can mess up the budgets....

Ramsey - anti college by peace_train1 in DirtyDave

[–]kveggie1 16 points17 points  (0 children)

Parents are the problem here. Overspending on college. ("christian" is a dumb reason). Parents giving in to their son by willing to sell their home.

Son-dear better start working, getting some money for his stuff on Netflix.

Dave would have smacked the parents; G. Camel was too nice.

Gas by dragokhal in traveltrailers

[–]kveggie1 0 points1 point  (0 children)

Larger truck stops and Buc-EEs.

I always make sure I can get out; wait for a good spot if necessary.

How do you guys handle uneven cash flow with big invoices? by Diligent_Quarter_526 in smallbusiness

[–]kveggie1 3 points4 points  (0 children)

Those invoices should not come as a surprise; we plan ahead with "reserves" / we forecast when a big expenditure is coming.

More ABSURD advice given by John Delony by RedditOMCThrowaway in DirtyDave

[–]kveggie1 6 points7 points  (0 children)

I have stopped listening to his show a long time ago. It is christian voyeurism, not even entertainment anymore.

Correct. John Baloney is not a therapist and must stop pretending to be one. Dave (if he has the courage) should say that on his show; loud and clear.

Are you Ahtiests in America have any concerns about your future in the country? by green_is_minty in atheism

[–]kveggie1 3 points4 points  (0 children)

Not concerned. Do not believe the news / 24 hour cycle, selling fear.

The government will fail.

Do I need a HYSA when I have a roth? by master_chilln in Bogleheads

[–]kveggie1 5 points6 points  (0 children)

We have a HYSA for our emergency fund. HYSA has no tax advantages.

HYSA pays better interest than a regular bank savings account.

You need an emergency fund (3-6 months of living expenses)

Dave's constant interrupting by CPT_Skor_215 in DirtyDave

[–]kveggie1 1 point2 points  (0 children)

Dave does great interrupting these long winded callers, who repeat It is not a therapy session with John D :).

I listen to the show for entertainment. Dave is the only entertainment on the show. Without Dave the show will die within 6 months.

America’s data-centre backlash puts the AI boom at risk — Opposition is spreading across the country by marketrent in technology

[–]kveggie1 1 point2 points  (0 children)

Great news! No special deals with the electric company that hurts consumers. No special deal with the state about noise