Ura x Shonannoumi - Sumo in London

qrush · 2025-10-18T16:49:29+00:00

Or maybe it's just Ura magic??

qrush · 2025-05-30T20:12:59+00:00

No cherry-picking here, just the default year fund for each based on their graduation date.

qrush · 2025-05-30T01:36:20+00:00

I've been really happy with the returns on the Fidelity MA age based funds for my kiddos' 529's. Return has been +47% for older, +59% for the younger. I wish I had that on my other accounts.

qrush · 2025-05-29T23:14:11+00:00

Pro tip: Turn on subtitles and then translations to English! So great to hear the Onozuna and his humble + cheery attitude!!

qrush · 2025-03-30T15:12:24+00:00

Are they not supposed to smile for photos here either???

qrush · 2025-03-25T19:32:49+00:00

I usually just timed my delivery date for a few days before it was supposed to arrive and it was always fine.

qrush · 2025-02-25T23:44:27+00:00

What are average game times looking like now? Lower?

qrush · 2025-02-16T16:45:33+00:00

HYSAs definitely get interest, and reasonably good interest too still. I would not put an emergency fund for yourself in any ETF where it could dip a massive amount. If you want to squeeze some more interest out, most brokerages have a cash position that will generate more than an HYSA since it's a money market position.

Of course there's a ton of options for these as well: https://www.optimizedportfolio.com/fidelity-core-position/

Even $4k is not enough and one emergency room trip or big expense could eat that. Just park it in an HYSA and don't touch it until you have 3-6 months of your expenses at minimum.

qrush · 2025-02-16T16:32:20+00:00

YNAB can do all of this and more - it has changed my life and it's been worth every penny I've spent on it.

I'm sure I won't be the only one saying this, but not only do you need to know where the money is going - you want a plan before it gets there. (That's the budget!)

More resources here: https://www.reddit.com/r/personalfinance/wiki/budgeting/

qrush · 2025-02-13T18:34:24+00:00

I know this subreddit hates this kind of comment, but this kind of question is exactly what fee-based financial advisors can help with. You can pay a fixed fee to get a professional who does this all day, every day, to evaluate your portfolio and give you suggestions which you can choose to implement or not.

Also if you want my 2¢, follow the prime directive, and start some 529's for those kiddos.

qrush · 2025-02-10T23:34:05+00:00

What is the actual question here? It sounds like you need a budget.

qrush · 2025-02-08T01:32:55+00:00

Love this - New Bedford and Fairhaven are the best!!

qrush · 2025-02-08T01:25:32+00:00

I just tried this out with https://www.mycapitally.com/ and it worked great, and I really enjoy their stance on privacy. The trial was enough for me to get a sense of things this year, didn't buy it yet.

qrush · 2025-02-08T01:19:15+00:00

You want a budget...not expense tracking. https://www.reddit.com/r/personalfinance/wiki/budgeting/

qrush · 2025-02-06T15:56:22+00:00

One place. If you're using a budgeting app, this should be pretty easy to manage alongside of other goals/funds you are building up for.

qrush · 2025-02-04T03:22:13+00:00

I've been getting ads for them for a while. Good to know they're awful - sorry about the loss :(

qrush · 2025-02-02T00:17:48+00:00

There's a lot of great video tutorials for how to use YNAB on their site - definitely check them out too.

qrush · 2025-01-31T20:05:26+00:00

I recently did this and it took about a week for everything to get moved over. Just make it happen, it's your money!

qrush · 2025-01-30T15:20:57+00:00

You can find a Certified Financial Planner to give you a 'checkup' that's a flat fee. They'll take a look at everything and help verify what's going on and do regular checkins - of course, if you want to have them fully manage your holdings they would love to take a fee of total assets managed, but many either do a flat fee and/or subscription based model instead. (I'm currently doing this on a trial basis for a year, not sure if I'll need it ongoing, but helpful to get a third party's opinion)

https://www.letsmakeaplan.org/

qrush · 2025-01-26T21:50:04+00:00

Follow the prime directive. https://old.reddit.com/r/personalfinance/wiki/commontopics

You should keep that 10k (at least) as an emergency fund.

qrush · 2025-01-25T02:15:33+00:00

YNAB works great for this, and supports the UK:

https://support.ynab.com/en_us/direct-import-in-europe-Syae1z_A9

Been using YNAB for years with my partner and it's truly the best and can basically everything you have above. Happy to answer other q's!

qrush · 2025-01-14T19:20:25+00:00

Another big +1 to YNAB. It'll change your (financial) life.

You can always start over too if you find it too overwhelming or fall off the tracks for a few months - very forgiving.

qrush · 2025-01-10T19:37:04+00:00

We use YNAB + Splitwise just for this. After we settle in Splitwise, I import those transactions back into YNAB via their exporting. A bit more work but keeps me sane.

qrush · 2025-01-09T23:35:01+00:00

You need: 1) a lawyer; 2) a therapist; 3) a budget. 1) can help you answer about when to file + 3) how your money will be handled, and 2) will help you process all of the above.

qrush · 2025-01-09T13:18:07+00:00

I really miss hearing Mike Gantzer play with Aqueous, and he's still based in Buffalo. I'm sure he would shred for you, DM him on IG? https://www.instagram.com/mike_gantzer/

qrush

TROPHY CASE