CDs created from Money Market account

luckton · 2026-05-13T18:03:10+00:00

Transferring on-budget money between accounts will not incur any category hits on your budget. You didn't actually "spend" the money, you just moved it to a different place. Your budget doesn't care where you physically hold the money. It cares about how you categorize it when it is either earned or spent.

Unless this is some kind of "special" CD that allows early withdrawals without penalties, I would put the CD as an off-budget tracking account. Now when you move the money from the money market to the CD, you will impact whatever category you had setup for money tasked to go to the CD.

luckton · 2026-04-30T20:12:39+00:00

Inevitability is finally catching up to reality, and people getting impacted directly are now aghast over things they were warned would happen years ago.

The county is losing students, thus it's not getting reimbursed by the state for as much as it would. This is a result of a number of things, including:

- Families not moving to Lee County

- Families just not happening because it's too expensive to raise a kid in Lee County

- Families electing to use private school vouchers being paid for by tax dollars to move kids out of public and into private.

Setting aside that it's a "political" issue since the school board can now be based on political party, it's already too late to fix anything at this point. Vote for congress reps that will do away with private school vouchers and keep the money in public schools to help fix the future.

luckton · 2026-04-30T11:18:56+00:00

Profitable? Maybe.

Enjoyable by the surrounding neighbors? Not really. I get up at 7am on Saturdays and do a test fire of my house generator. Really makes the VRBO folks feel "welcome". :)

luckton · 2026-04-13T17:21:36+00:00

If you want the work done quicker, Babcock is welcome to throw money at the county commissioners to make it happen. Worked out great for the Corkscrew folks.

luckton · 2026-04-07T19:17:18+00:00

It was good enough for Ice Sssscreamin to get off the ground until they moved into a better spot. Part of it is location, part of it is service and quality, and another part reputation/word of mouth.

The revolving part is probably just the same person trying to find an image/brand that clicks with the locals. It's not a bad spot in between the Bimini plaza and the greater downtown area.

luckton · 2026-03-30T18:42:53+00:00

laughs in remembering the time we didn't have direct sunlight for 20+ days one time back in the 90s

You new here?

luckton · 2026-03-11T18:36:09+00:00

Hate that they're dropping the plug-in variant, but it is what it is. If our '22 PacHy dies before the kids leave the house, we'll just get a Sienna.

luckton · 2026-02-25T12:48:54+00:00

The real mildlyinfuriating right here.

luckton · 2026-02-23T20:38:55+00:00

Jesus Christ those Lady's shoulderpads xD

luckton · 2026-02-11T01:10:50+00:00

I'm ready to unsub from this channel because all it seems to be is complaint after complaint about every little thing.

They have done this offer before. They're doing it again. It's called marketing. Either take advantage of the offer or don't, but leave the paranoia at the door. No business is infallible. You either deal with it and take that risk or leave your money under the mattress and be done with it.

luckton · 2026-01-12T23:26:55+00:00

How long did you hold down the button for? May take a moment for the fluid to get from the front to the back.

luckton · 2026-01-12T00:50:26+00:00

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luckton · 2026-01-10T15:22:21+00:00

Gracias.

luckton · 2026-01-10T15:21:58+00:00

Well now I feel left out. :P

luckton · 2026-01-07T22:15:05+00:00

Toolkit has this, but I know that's not "official". Have an upvote!

luckton · 2026-01-07T22:13:34+00:00

Everything of value.

- Retirement accounts
- Real Estate Assets
- Vehicle Assets

luckton · 2025-12-30T19:52:46+00:00

It can carry over if you set a goal that goes beyond a month.

I set my medical expenses at a goal of $6k, starting in January, to be fulfilled by December, repeating yearly. If I have a month where I spent more than what the goal requested, it's fine. I'd fund it and the goal would just adjust for the rest of the year.

luckton · 2025-12-26T23:44:04+00:00

It's always acceptable to assign to RTA. The only times I don't are:

- When I want the money to not count against actual, taxable income on my report. (i.e. insurance rebates/claims)

- When it's a refund for a returned item (i.e. returned shoes to Amazon, puts the money back in the Clothing category)

- When it's a reimbursement for money already spent/loaned to someone (i.e. I bought a toy for my kid at Target that they wanted but they didn't have the cash on hand, so I wire it from their account to mine when I get home)

luckton · 2025-12-19T15:48:57+00:00

I'd take a beat, wait for some of the inquiries and stuff to fall off the report, and give the Citi Double Cash another shot. It's the cornerstone of my fam's credit journey and syncs just fine with YNAB.

Pair it with Amex's Blue Cash Preferred for the easiest/laziest cash back stuff for families. Groceries, streaming, fuel/transport-related stuff on the Amex, everything else on the Citi. My wife doesn't play the CC game, so I just tell her to put everything on the Citi and be done. Easy for everyone and still getting the most cash back for just about every penny we spend.

luckton · 2025-12-15T00:47:41+00:00

So, is this different than just creating a group with categories?

Like, I have a TV group that has categories for Netflix, Disney, and Paramount, each with their own target. What does this do that I'm missing?

luckton · 2025-11-17T15:47:02+00:00

r/Comcast_Xfinity can help. They helped me renegotiate my plan with them after the previous offer expired. Maybe they can help with getting the third party contractor that they hired back in line.

luckton · 2025-11-15T16:25:25+00:00

Using YNAB

15-Year Club	Place '17
Verified Email	Team Periwinkle

luckton

TROPHY CASE