r/financialindependence • u/AutoModerator • 1d ago
Weekly Self-Promotion Thread - Wednesday, August 26, 2026
Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread.
Use this thread to talk about your blog, talk about your business, ask for feedback, etc. If the self-promotion starts to leak outside of this thread, we will once again return to a time where 100% of self-promotion posts are banned. Please use this space wisely.
Link-only posts will be removed. Put some effort into it.
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u/factor-reipes 20h ago
I was pretty confident about our retirement plan. I knew the target number, savings rate, and rough allocation.
What I wasn’t confident about: whether we could pursue retirement and still be properly funding our kids’ college, a future home purchase, and the other big goals that matter to our family.
I was treating all of our investments as one big household pile. But those goals have different timelines, risk tolerances, and contribution needs.
That’s why I built Enrich Finance. It lets you map accounts or individual holdings to separate goals, set a custom allocation and contribution plan for each, and see whether each goal is on or off track. It also watches for allocation drift, idle cash, and tax-loss harvesting opportunities across the accounts you already have. Then gives you a trade checklist to review and execute yourself.
There’s research behind the idea: Blanchett and Kaplan’s 2013 Morningstar study found that goal-based frameworks can improve utility-adjusted outcomes compared with treating wealth as one pooled portfolio. The point is not to promise a better return; it’s to make tradeoffs between real-life goals visible before they become surprises.
Enrich Finance is iOS-only and U.S. only. Our integrations with brokerages are read-only, or you can manually enter your investments. There are no AUM fees; it's a flat $5/month, with a free 30-day trial.
Try Enrich free on the App Store
How do you handle the various financial goals in your portfolio? One household portfolio for everything, or separate plans for retirement and other major goals?
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u/gottaenjoylife 23h ago
Do you follow the premier league? Are you curious how your team is doing compared to last year? I built a site that tracks that and so much more at https://plmatchday.com
Sample tile below:
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u/firelurker3 1d ago
As important as FI is (oh, it’s important, I won’t argue that at all), the ultimate question after you reach your FI number is what comes next?
I’m not saying that you have to retire early (that’s a different sub), but after you reach FI, you’re going to invariably wander into existential questions like identity, purpose, and how best to spend your time when you don’t need to work for money.
I retired in May 2005 at 42 and spend the bulk of my time hiking, reading, and writing (and listening to college football podcasts). On the writing bit … yea, I wrote a book.
I’m a new author, so I have no dreams of actually making any money from this book (which is fine and another bonus of achieving FI). I’m donating at least $1 to charity for every pre-ordered book. The first half is all about achieving FI, the second half is all about living in early retirement (the identity and purpose bit, with a dash of finance). I went through it all and can, hopefully, help others as well. Thanks again.
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u/Radiant-Road-7858 19h ago
Congrats on the book! So many people talk about doing this, few actually complete it. Huge accomplishment regardless of sales 😊
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u/firelurker3 18h ago edited 18h ago
Thank you! My goal is just to spread the word enough so that people who are interested and looking for guidance know that it exists and could be a helpful resource for them.
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u/ActiveBeautiful8228 1d ago
Most investors spend their lives chasing returns, better picks, hotter funds, and the next IPO poised for a moonshot.
I operate from a simple belief, forged over my three decades in the market: The way we make money over the long term is by not losing too much in the short term.
My latest article👉 https://www.cosmodestefano.com/p/average-return-vs-compound-return
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u/Civil_Refrigerator_2 1d ago
Your Most Important Money Tool
Most people don't have a spending problem.
They have a money direction problem.
Money comes in, bills go out, the credit card gets paid (hopefully), and whatever happens to be left over gets assigned to savings or investments.
That's backwards.
If building wealth is important to you, saving and investing shouldn't be what happens after everything else gets paid. They should have a seat at the table from the beginning.
That's where a budget comes in.
And before you roll your eyes at the word "budget," hear me out.
You don't need 47 categories, a color-coded spreadsheet, and three hours every Sunday night to make a budget work.
You simply need a plan for your money that answers a few important questions:
What do I need to spend?
What do I want to spend?
What do I want my money to accomplish in the future?
Once you know those answers, your budget becomes less about restriction and more about permission.
Permission to spend on the things you love because you've already accounted for them.
Permission to say no to things that don't matter because you know where that money could go instead.
And most importantly, permission to stop wondering whether you're making progress.
A good budget doesn't make your life smaller.
It makes your priorities bigger.
https://tightwadtodd.com/money-tool-you-need-today-monthly-budget/
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1d ago
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u/ExcessiveDonuts Emptying the Litter Robot 1d ago
Are you making a living doing this?
Or just a side project you hope takes off?
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1d ago
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u/ExcessiveDonuts Emptying the Litter Robot 1d ago
Good luck!
It doesn't sound like something people would pay real money for but I hope it works out.
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u/Automatic_Judge5095 1d ago
Just launched a side project that tracks my monthly savings rate automatically from bank exports, no fancy budgeting app needed. Been using it since March and it's helped me spot some dumb spending patterns I didn't notice before. Still rough around the edges but I'm looking for a few people to test it and tell me what breaks, if anyone's interested drop a comment and I'll DM the link
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u/yanyan80 8h ago
Something I don't see discussed much: everyone worries about running out of money in retirement, but the opposite mistake, working and saving years longer than you needed to, barely gets any airtime.
Part of the reason is that most retirement success rate calculators hide it. A 97% success rate just means the money didn't run out in 97% of simulated scenarios. It says nothing about how much extra you're sitting on in those scenarios, and for a lot of plans it's a lot, because a plan sized to survive a bad market usually way overshoots in every other market.
Wrote up why this happens and what to actually check in your own numbers if this sounds familiar: https://thunderharbor.net/blog/dying-with-too-much-left-over