Initial Reactions: That Price Tag Scares Me I recently finished my free 34-day trial with YNAB. One of YNAB’s differentiating features is standing out from other free trials. YNAB allows new users to try the software for a full month (not just 30 days) plus a little extra. Just one of the few things that set YNAB apart from other software and budgeting tools.  Although I knew of the free trial, I was still skeptical about spending time using a budgeting software I might like and having to pay for it. For those who follow me or know my story, know that I am not a high income earlier. I have to be mindful of every dollar coming in and going out.  A friend of mine from our local independence group swears by YNAB and has been using the software for years. He’s recommended it to me on numerous occasions,…

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Rotten Banana

Back in 2019 artist Maurizio Cattelan sold an art piece. The piece, titled “The Comedian” sold for $120,000. The piece was a banana duct-taped to a wall. Consequently, this bullshit banana sold for $120,000. “Some believe the piece is mocking the art world and its inequalities. But others simply say — don’t overthink it.” Overthinking is something I do naturally. In fact, it was the next thing Miranda (@MMarquit), Michelle (@MichLovesMoney), and I talked about. Don’t overthink it. Just give it a try. Create your own bullshit banana. Two Different Muscles: Cutting Expenses vs. Earning More Money  “Paying off debt is a muscle. Earning more money is a muscle.” But they are two completely different muscles. Michelle teaches me how to level up from personal finance enthusiast to expert. The discussion evolves into some creative coaching ideas focusing on my skillset. She gives two or three ideas on products to…

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Piggy Bank

Assisting Low-Income Earners: The Tweet that started this post

I recently connected with a few FIRE folks on Twitter in an elongated discussion about how to best assist low-income earners. The example stated in the thread was a single mom of 3 making $10.68/hour working 60 hours 6 days per week making a gross income of around $33,000 by @Makerealcents.
@Makerealcents Tweet that started the discussion

Those engaged in the thread agreed that more needs to be done to assist low-income earners, as this is something, I am passionate about. When I started my FI journey I was making about $10.50 plus benefits, working 40 hours a week.

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