About every six weeks, I go on a "stock the pantry" shopping trip to buy long-keeping items and non-perishables in quantity - cat food and litter, Costco, etc. After two hours of shopping yesterday, I was a little shocked to realize I'd spent half of my take-home pay on a trip that previously was about 25% less expensive. No one item had drastically increased in price - everything had just gone up that much.

[I'm also smarting because my primary care physician announced she was switching to a concierge care model, and I just made the first quarterly payment. U.S. healthcare sucks so badly that I can't take a chance on the two-year waitlists for in-network primary care M.D.s who provide 10-minute "annual exam" visits in my area.]

I'm dropping subscription services, buying cheaper conventional food instead of organic, getting generic personal care products instead of brand names and using less of them, cooking even more at home, thinking about making my own cat food, skipping buying pretty flowers for outdoors this year... and still feeling like the budget isn't going to keep stretching.

I know a great many aspects of Western lifestyles aren't sustainable, and I've tried to do my part to minimize material consumption. But there are so many expectations that you'll pay for perhaps excessive shelter (we didn't need a house the size we have, but it was what was available and affordable), have a car for work, be able to pay for services for things you don't have time, skill, or physical capacity to do yourself, and other monetary drains. I'm losing some sleep.

What are you doing to cope with exorbitant rents/mortgages, skyrocketing utility and grocery bills, extravagant medical costs, unaffordable childcare and services?

Do you feel like your quality of life has declined, due to missing luxuries, anxiety, fewer opportunities to connect with friends and family, or anything else?

Open rant here.

What are some ways to grow your savings without investing it into the stock market/401k?

In short, I don't want my savings to fund giant corporations. It seems like most mutual funds can't exist without a portfolio of such corporations despite calling themselves green or ethical.

I've been storing funds in CDs or HYSEs but wondering if there are any other avenues.

Hello all, long time listener, first time poster. First time poster because this is a throwaway account as it will have more personal info included than I'd like linked to my main account. The point of this post is to request guidance/advice/ideas from the always incredible, intelligent, and helpful people of Tildes.

The high level points:

1. I am a female 40 year old, for lack of a better phrase, starving artist living in the US. I am single, live alone with my cat in an apartment, and have no debt.
2. I have not held a steady/normal job in over a decade (mental health being a primary reason), my personal income has come from a couple of very small business ventures where I make things by hand, some freelance graphic design, the generosity of friends, and pet sitting. The latter is dead in the water as all my pets were in another state and I just moved in the last 30 days to a place that is much smaller and simply will not have the customer base to do the same, nor am I all that interested in pursuing it here.
3. My primary method of financial support over the last decade was being the homemaker to my now-ex husband up until about two years ago when he informed me he no longer wished to be my husband. Since then my primary financial support was from my now-deceased father, who generously provided me with $2,500 per month to subsist on, with my previously mentioned ventures closing the finances gap as much as possible.
4. Over the decade of being in a single income household and for the last two years subsisting off a "guaranteed" income of $30,000 per year I managed to learn to be extremely frugal wherever possible so as to not spend above my means and keep a roof over my head. I eat once per day, my overall health isn't great but I am attempting to address that, and thus far my "retail therapy" budget to give me a little boost of dopamine has been $50 per month that is generally spent in thrift stores. I wouldn't call it living so much as I'd call it surviving and am often unsure why I bother.

The issue/question at hand:
My father has passed away and with him my primary/only means of support, with his passing I have inherited just over $500,000 in a Traditional IRA. So my primary question is how to minimize tax burden and maximize return on his investments to make them last as long as possible while I figure out the next stage of my life.

I am not opposed to getting a normal/steady job, but this is more difficult to obtain than one would imagine with a decade long gap in employment and an unwillingness to sacrifice the mental health gains I have made and gestures broadly everything else that is going on. There is also the bit of freedom that this amount of money provides that will perhaps allow me to double down on my small business ventures, investing in them/myself at a level that I was unable to do prior and therefore enabling them to become a primary source of support. So there is a thought of setting a budget, both monetary and time, to allow myself to try to grow my businesses first.

TLDR: Single, solo, poor, woman gets $500k pre-tax, how to make the most of it?

Preface: Sorry if this isn't the place, and if I'm cagey on some specifics. Also sorry for the length, this turned out a lot longer than I anticipated.

My partner and I have been together for nearly 8 years at this point. This was my first serious, long-term committed relationship; every other one I'd had was short-lived (<3 months) and I hadn't exactly had a lot of them. Maybe this is why I was blind to the cracks until things got unavoidable.

It started off strong and passionate of course, and things moved rather quickly. We (they, I'm not on the title) bought a house and we were expecting a child within a year. I should have kept things slower, thought with my head instead of blindly following my heart. I'd been very lonely for a very long time. I was happy those first few years, even if in hindsight the cracks were beginning to show. Even before baby came along, intimacy fell off a cliff. I had many talks about this with them, which led nowhere much really. The rest of the relationship still felt solid to me though. I pressed on.

In the beginning, they had a better job than I did. I earned far less. Luckily an opportunity came up for me to finish my schooling and further my career, and I put a lot of work into achieving just that. Now things have changed with that, and I feel like we could be doing well together... If it weren't for the financial instability I feel they bring. I'd never been great with money, but my partner's father took me under his wing and taught me a lot of financial literacy. I became adept at putting together spreadsheets and managing our finances. Our first major crisis we overcame together through being very fiscally conservative and digging our way out. We also had several windfalls that helped us out. Then... another crisis, again because of overspending on their end. We pulled from our IRAs in order to stay afloat, with promises to do better. Then... another crisis. Again. Same reasons. We put together a loan against the home's equity. More promises.

We are again heading to a crisis. We are out of windfalls and options and frankly I'm exhausted.

Finally, parenting and housekeeping. I've always loved how my partner cares so much for their children (from a prior relationship) as well as ours. They have a way of making magical moments which I envy. This is contrasted by their complete inability to parent effectively. There's no consequences, no expectations, no boundaries, and it's infuriating. Initially it wasn't quite that bad, and I felt I had equal say in parenting. Over the years, that's eroded to my partner viewing me as authoritarian and domineering. The kids know they'll get their way with them so why would they ever come to me first?

Maybe it was the extra time during COVID but they also put more effort into housekeeping early on as well. Now I feel it mostly falls on my shoulders, and my will to clean and keep up is murdered by the fact that within hours it's a mess again. It isn't helped by the fact that my partner is a hoarder. I have to gut things from the house in secret. I haven't seen the corners of my walls in ages. I spent a week while they were away cleaning the home top to bottom last year. Within a day it looked like a bomb went off.

These are all things I've tried discussing with them, multiple times, over the years. I mostly get brushed off, or (what I feel now are) empty promises. Most infuriating to me is "I don't know what you want me to say." I want you to say what's in your heart, what you feel! Don't tell me something you think I want to hear, be honest.

I feel I know where this is going, I don't want to fall in the same trap I see many couples are in where it's clearly over and yet they keep moving along. We're not married, a clean break is reasonable, I know my partner can be mature about things because their relationship with their ex is amazingly calm and chill.

I'm terrified in a way of being alone again.

I don't really know where to turn for more perspective. I've already talked with my sister, and a close co-worker who is going through some of the same feelings I am. Those conversations have been very helpful. Recently, what really put things in stark contrast was the other day when my partner's father asked "So is everything ok between you two?" If he went out and asked, it means it's really obvious things are not ok.

I've been fantasizing a lot lately about what a split would be like. Making plans for where to go, and figuring out how to reconcile things like accounts, items, and debts. Worst of all I've been fantasizing about being with other people; the intimacy and passions has been gone between us for a long time. The last time my partner initiated anything between us was a year ago, and I don't even remember the time before that. Everything feels so wrong and unsatisfactory.

I told them yesterday we need a frank talk, and not through text this time - their preferred method of communication with me for a while now... But I have no idea when we even have time for that away from the kids.

Closing thought: I don't want to feel like I've pre-determined my outcome here. I feel I've done what I can though, to make my own feelings clear. Thank you for any thoughts.

(Not sure this should be under ~finance, but not sure where else to post?)

I've been de-googling and going more privacy-based for most anything I can lately, and I always love when my company gifts me a $100 Visa gift card for Christmas.
I find myself paying for a lot more of the booze in our lives (usually one shot at going out, and before additionally replenishing a few dollars on my TouchTunes account because I've only used gift cards on it) because now nothing's tracking my sinful habits. :)
Honestly, I mostly would like to use this card to do online things with apps I honestly don't want to be attached to (specifically Discord, and I'd like to recharge TouchTunes, but... that's more of a secondary option).

That being said, I'd like to get some sort of non-"traceable" type of card (that is, physical and not requiring an account or app), and I'd prefer to keep as much of my "investment" as I can (purchase charges, fees, or whatnot). I would like a rechargeable option, but I feel that would be too pinpoint-y. I could just go to my local store (in the US) and buy cards with cash, but while I have no problem with that, I'm also not that paranoid and I am a little lazy heh.

I asked my DDG search, and AI has highlighted "toasty choice" (at toastycard dot com) which looks sketch AF, probably because it appears you need an app. Maybe I'm paranoid, but it just looks too sketch for me.

So, I would like to hear folks' thoughts on this. Do you have a spot you'd recommend to purchase "gift" cards online, or a local spot (as I mentioned, US companies would be required), and any strings attached you'd highlight that may be avoidable?

Hello all! My lease is up mid-March of this year. For personal mental health reasons I would like to secure a move-in date of around mid-February and perhaps even earlier than that, because I'd like to have things finalized before my ex starts her own moving out process. This is the first time I'll be apartment hunting on my own, and while I have definitely talked to many friends and mentors regarding my options, I figured I wouldn't mind getting thoughts from folks here.

I have a few hard requirements for personal reasons: I would ideally not be too far from groceries (I have a car), be able to go for walks/runs without having to drive to a specific place, not too far away from the main airport here as I have to fly for work very very occasionally or when visiting family, and central HVAC. I have, generally, two options to choose from:

1. The expensive option, 1500 base rent and estimated 300-400 for utilities/parking/etc. At this time I do not believe it possible or even worth looking for anything slightly cheaper than this - whether it's a studio or a 1bed, the cost is more or less the same in this area. And even if the location were less of a factor and I looked farther away from the main city / big hubs, at best we're looking at $100 cheaper and I don't think that is big enough savings given how inconvenient location is.

2. The budget option, estimated 700-800 with utilities included, 3 housemates. A friend is currently sharing a house that his family owns with two other housemates. I've never met said housemates but they are personal friends of his. All housemates are male, I am female. I would be getting a single master bedroom, attached bathroom. At this time I do not consider the... eyebrow-raising-ness? of being the sole woman to be a problematic factor.

Some of the factors I'm considering, that probably isn't comprehensive because I'm new to all this:

• Living with housemates. I haven't had to share a house with so many people since my first year of college, which was 14 years ago. My ex did keep me honest over the last year of living together, and from a brief call with the friend who would be renting out the room, his housemates do keep to themselves, don't really use the kitchen, plenty of fridge space, etc.

• Living alone. I actually haven't "lived alone" since the last semester before I dropped out of college. My roommate at the time was taking a leave of absence and I had the studio to myself for three months. I feel neutral about this.

• Laundry? House has in unit laundry. No apartment I've looked at has in-unit laundry unless I add at least $200 on top of the base price.

• WFH and personal space. I do work remotely and for my entire WFH life, I have always had my personal PC setup, bed, and work setup in the same room. This has been difficult for me in the last two months while recovering from the breakup, and moving into a 1bed apartment would allow me to have a dedicated work setup away from bed since I personally value that higher than a nice living room space (no television, no problem). Or I could even fit that work setup into a small but still cozy living room space, who knows. However...

• MONEY. I've broken down all my fixed monthly costs, including any recurring annual subscriptions. I am estimating very, very high for absolutely everything, such as monthly grocery costs (400/mo, which is the highest that my ex and I split over the last 10 months. We're both very light eaters and "groceries" would include the occasional toiletries restock and such). Right now I am looking at taking home around $1300/mo living in my own apartment, vs. $2300/mo sharing the house.

  • Furnishing a new apartment, vs... not. Ex and I split all costs 50/50 for everything BUT furniture, and she paid for most items such as the sofa, coffee table, TV console, dining room table, ie. she will be taking those items with her. I do not want a large sofa but cozy seating in a living room space is, well, not cheap. The only furniture I'd bring with me is a decent Ikea shelf cabinet thing, my two standing desks, a single bookshelf, a twin bed. I would not be acquiring additional furniture if I move into the single bedroom.
  • Schooling costs. I don't know if I've gotten into this online degree program yet, won't know until probably April, and even if I do get in I am not sure if I will jump into it (though at this time I am leaning towards it just to have a guided path which I'm lacking right now with my career). This is an estimated 30k over the course of 2 years, or $625/mo. Not counting any potential textbooks.
  • Lasik/PRK? I have pretty poor eyesight. I have always been afraid of pulling the trigger on this, but I would like to in the next few years.
  • Current savings. I have a little over $20k in savings. I don't know anything about stocks, I have a 401k I never look at. My financial literacy boils down to "I use my credit card like a debit card" and my only current debt is a financed car, costs are factored into the numbers posted above.

• Mental health? Monthly therapy costs are factored into my numbers. So is a $150/mo cost of classes at a local muay thai gym (picked up recently for sake of both physical and mental health, joining a community, a regular activity to take me out of the apartment).

What considerations am I missing from the above? What would you go for? I mentioned I have not lived on my own for a very long time, and to be honest I don't have concrete long-term financial goals. Obviously property ownership is like... the American Dream and whatever... but frankly I am so very far from being able to realize such a goal that it just is not a factor when it comes to me saving money. I just don't want to look back at myself in 2027 and regret my finances. My family is in another part of the state and I can't rely on them for money or housing... well, I actually can, for housing, and save even more money, but I vastly prefer the climate where I am at now and my mental health will suffer far more living with family than with 3 housemates.

I really appreciate any thoughts! I know I have time, there is no rush, but I am also aware that distracting myself with this has been pretty helpful with, you know, not being too depressed about circumstances.

A few months ago, my credit card number was used in a few unauthorized transactions. The charges were reversed, and I got a new card, so overall, no big deal. But I am curious as to how the thief actually got their hands on my information.

Are there any lookup tools for leaked credit cards, similar to Have I Been Pwned, that might tell me how my credit card number was exposed? Since my card has already been cancelled, I don't even mind typing the number into a somewhat sketchy site.

For the past several years I’ve been knee deep involved in Ukraine and as several people on Tildes know, a lot of my earliest days were spent donating, tens of thousands. All in all I’ve donated enough to nearly bankrupt myself when my situation changed.

As I got more involved (and now I’m an active investor in the sector), I want to share something I’ve learned since that I wish someone had told me when I started:

Every dollar you have that you want to put to work can, on average, be 10x’d by the time you put it in.

That means if you want to donate 10k, you may well be able to end up putting 100k to work towards your goal.

You may have seen this take the form of donation matching — some fame seekers sometimes do it (I’ll donate 10 dollars for every dollar you donate), but this isn’t necessarily what I mean.

Speaking on an investment side: on average, 10% “skin in the game” makes it very easy to get the remaining 90% as long as there is a net positive outcome possible. So by positioning your donation as your skin in the game to a larger fundraise, you set yourself up for multiplying your impact by ten.

What’s more: let’s say you don’t want to donate 10k in bulk but you have a good job that allows you to set aside 1k usd per month. You want to donate half of that (500 usd). This means per year you can donate 6k usd.
Are you able to take a two year engagement? Congratulations, that means you are donating 12k and can now raise for 120k with 10% skin in the game (as long as the money isn’t needed faster than at the rate it can be committed).

I had this discussion with an acquaintance who has been in finance for a long time and got a very good job. She was trying to figure out how to “invest” 40k per year, that would otherwise be lost to taxes. On a 7 year engagement she has now setup a 10M climate fund (around 2% SITG which is standard for funds).

I was floored she didn’t know this. I figured the reason I didn’t was because I didn’t study economics, but it seems so fundamental that I want more people to be aware that this is a thing.

Hello. I usually talk about trains, except today, I just want to vent on my finances and my wishes for a less expensive world.

I have found myself in financial straits,as I had amassed debt last year, lost work for months and amassed more debt. It’s in the low tens of thousands. of course I also lost my healthcare because I live in a rich country run by morally destitute anti-intellectuals.

On paper, I will pay off the debt in 18-24 months, if god allows. I have work now.

This city’s transit system has been hobbled in bad faith and will be destroyed come January….Fares have already risen, service cut. My train to work will be cut because the state refuses to provide services for its most productive citizens. It is twice as long by bus, suicide by bicycle on roads built for tanks, so I will have to sacrifice time or life.

It seems the price of electricity has increased. I would generate my own, but it is impractical.

Sadly my possessions are breaking too. This is the way of things, it’s just miserable timing, and each discovery of a failing mechanism or dilapidated object piles onto the defeat. The window frame has rotted and the glass fallen -- the house is frozen. Not a single plant survives. (The landlord will fix it, but not hurriedly…..) Bulbs burnt out, rooms dark. My bicycle needs new brakes, a new chain, my helmet has been destroyed and should be replaced, but for now I have been riding without. The computer has broken after 14 years, admittedly about time…. An expensive thing to replace, so now I only have my phone, whose battery has degraded quite a lot and will not be usable for too much longer, and a small laptop on death’s door too. I had worn my single pair of walking shoes for 5 years until, yesterday, the sole fell off. (Thankfully, I have one more, but it is formal and uncomfortable) A new pair is more costly than I remember… I know a cheap one will disintegrate in a season and do nothing for the snow, and a quality one is beyond financial prudence. My jacket is worn and torn by years and embers, beyond my ability to sew, and I must darn and darn and darn all the socks and gloves with holes, which I hate to do, and i am not good at. The denim jeans are ripped, in a place difficult to patch, and the pockets torn. I cannot bear the cold the same anymore, so I also need an overcoat, which I cannot afford. The fitted sheets are inexplicably torn by some punitive act of god, probably irreparably. The pillows are compressed, worthless, and causing me pain. Even the tent, which I might use to regain some sanity in the woods, has had its elastic poles dried solid and is basically unusable. At least I have a few books.

My lifestyle is structurally cheap. Affordable city, relatively low rent, multiple housemates, no car, only occasional commute, no dog, no wife, no children. Not too much to pay for. I eat simply. I am content with it.

Yet somehow I find myself with hundreds of dollars of credit card purchases this month, more than an entire paycheck, and last was also more. Qualifying for a healthcare plan has reduced my medical costs, but the difference is withheld, and I’m realizing that often it costs more than it would cost out of pocket, so at best it makes no difference. The dental and vision are exorbitant, so I just hope I don’t get a cavity.

I suspect I need glasses, or will soon. I can tell my eyesight is beginning to worsen. But it’ll have to wait a couple years.

The fear of a worse medical emergency persists. The deductible is rather high for a plan that offers no HSA and the co-pay is unremarkable, the coverage limited. Perhaps the least useful healthcare plan I’ve ever had.

I do not gamble. I like to drink beer but have abstained recently. My hobbies are inspecting train and street infrastructure, studying the Holy Bible, moralizing on the internet and persuading the government to institute a better society. I lapse sometimes and make impulsive purchases, but not frequently. I have not even gone to see a game in two years.

It’s a great pain to review your statements and recognize that almost none of the purchases were wasteful, only a few technically unnecessary. There were just too many overall.

What upsets me most is the social distance I have gained from my condition of functional poverty. the agony of refusing visits, trips, games, concerts, shows, dinners, coffees, drinks grinds on me daily. Yes it is still nice to say hello, it is just not the same. The pity, or disgust, the symbolic offers of charity received. Mostly the confusion—the awkwardness, the unsolicited advice (which I don’t normally mind, but it gets old). I prefer to socialize with bourgeois progressives, academics and professionals who care about engineering and mathematics and government policy and theory. It’s what I care about. I do not really resent them, but everything they do costs more money than I possess, so it is difficult to see friends and I cannot hope to keep up with colleagues after work.

I don’t object to work but I resent the fact that I must pay for my own healthcare. I also resent that my government neglects my transportation and my safety. I resent the pollution of the air, the NIMBYism driving up rents and leaving the addicted even more hopeless. I acknowledge the mistakes I’ve made that have led me here. I can’t undo the past, but Congress could socialize all medicine in the next budget if it wanted to…. repeatedly chooses not to.

That’s all. I just wanted to complain. You can give me advice if you want. I’m relatively financially literate, just poor and human.

I have held out for years from getting a loyalty/membership card from supermarkets as I hate the tracking that they do. But here in the UK so many prices are now locked behind it in most supermarkets, it feels like I’m just giving them so much extra money it’s getting ridiculous. I end up spending more money to shop where they don’t do this, but most of the major players are now adding these member only prices it’s hard to keep the status quo.
For other privacy minded people, how do you manage this?

I am looking to replace our current vehicle (17 expedition) because of some issues (1st gen Ecoboost... eats plugs every 30k miles, runs rich, poorer than expected milage, plus the looming threat of cam phaser and timing issues common to this motor) and the fact we don't really need the space anymore now that my kids are out of the full size baby seats and our dog doesn't travel with us much anymore (because we don't travel much anymore..).

I have always bought used. The expedition I bought with 70k miles on it and now it has around 135k. I'm growing tired of swapping cars every 3-4 years, so I started doing research a few months back and the name that keeps coming up again and again is the RAV4.

I test drove one to make sure I fit (6'3" and certainly no stranger to cheesecake) and the fit was nice. I used to drive a 13 Ford focus so I figured it would be fine, and it was. I think I'm most interested in the hybrid drivetrain as the allure of the e-cvt (chunky planetary gear system, no clutches, seems incredibly bulletproof) is quite tempting. Not to mention we mostly drive city and the better mpg is a nice bonus, but the cost difference between the 2 make that a bit of a moot point. I realize the long term cost of batteries and "cable gate" but I'm not too concerned.

My reservation is that based on the used sales figures for these newer (23+) rav4s, it just doesn't make sense to buy used. If I buy the one we want new, it's around 41k out the door. This would be the most expensive vehicle I've ever purchased by an 8k margin.

Our payment versus our current car would go up about 200 per month, but our gas costs will go down about 130 per month so the delta isn't huge. Since the resale value on these vehicles is so high, I'd be "right side up" on the value within 18 or so months. However, the ultimate goal for this car is to have it for 15+ years.

I've never not had a car payment because I had transmission issues or engine issues with them all. I had a Pontiac g6 with transmission issues, a GMC sierra with transmission issues, the focus had the dreaded DCT, I had a ram truck for a little bit which was falling apart almost as soon as I bought it (snapped 3 manifold bolts within 500 miles of owning it just to start), and now we have this expedition.

I'm kind of tired of American car brands at this point, I seem to be eternally let down and churning through vehicles. I want something safe, reliable and that will drive for decades. With that, the RAV4 seems to hit the mark. It's not a sexy option but I don't really care about that. I've heard it described as a dishwasher on wheels - an appliance, not an exciting driver. That sounds appealing for what I want this vehicle to be.

I guess the reason I'm making this post is to consider whether this is a good idea. I'm not really worried about whether I can afford it (I can), I just don't like spending money and this would be a lot of it. Having said that, it's value seems to be projected to hold up extremely well, just as most Toyotas do, and as you can see from my previous vehicles, I'm not used to that. I want a very long term vehicle but I also want to know that if something in my life changes and I need to get rid of it, it will have decent resale value.

I considered the crv hybrid and the cx-50 hybrid (which has the Toyota drivetrain) but with the crv I felt less happy about extreme long term reliability (newer hybrid system so hasn't been battle tested as much yet) versus the RAV4, and the cx50 is a mazda which doesn't inspire tons of confidence. Maybe they've gotten better but my brothers 2012ish (can't recall exactly) mazda3 was riddled with electrical issues and the center console broke (we think the dealer knew about it and tried a jank repair due to some tape we found) and Mazda wouldn't do anything to fix it (the dealer nor nearby dealers and Mazda customer service themselves).

Anyway, every time I start researching I always come back to the RAV4.

I don't want a 2026 model because I don't buy new models on their first years, plus they look worse than the previous models.

What are your thoughts on the cSUV market?

Edit: I'm in TX so cold isn't an issue 95% of the time as far as hybrid battery issues go

I am planning to use Plaid API and have a spring boot backend but given that I will be storing my financial information (such as whatever the Plaid API needs me to store to use their endpoints as well as just the transactions on my credit and chequing account), the security of the data is obviously crucial. and I think my problem is I don't know what I don't know.

I have a basic idea of what kind of things I need to protect against.

1. WIll have to use Spring security (or whatever is best) for thing like protecting against xss and csrf
2. I need to ensure that the PostgreSQL database is encrypted

but beyond that, I don't know much about the nuances of each type of security and customizations I should be on the look-out for. wonder if there's a trustworthy resource for at least detailing for me the kind of security I need to implement on either the Spring or PostgreSQL side of things?

I know most here are US-based, but I thought I'd give this a shot.

I've been running a pretty straightforward ETF portfolio through Ergo in Germany for a while now. Here's my current breakdown:

• 25% in iShares MSCI EM IMI ESG Screen UCITS ETF
• 25% in iShares MSCI Europe ESG Enhanced UCITS ETF
• 50% in iShares MSCI World SRI UCITS ETF EUR

I've recently freed up an extra €500 monthly that I'm looking to invest and am wondering if it would make sense to just bump up my monthly contribution from €1,000 to €1,500 while keeping the same allocation percentages, or should I consider doing something different with this extra cash?

For context, I've got my emergency fund covered (one year's expenses) and no debt to worry about.

I look forward to hearing your thoughts.

Tax time again!
I like to get this done as soon as possible to get it out of the way. I have all my tax documents at the ready, but several changes happened in my life last year (moved states, sold home, bought home, etc.) and the tax software I've been using over the last several years apparently "doesn't support" several of the tax forms (or even simply some of the boxes on the forms) I have for this year.

Trying to avoid the "Big Two" if possible.

I'm posting this in good faith, both out of curiosity and self interest. But up front I'll say that I'm not interested in scams, schemes, or get-rich-quick stuff.

I work full time as a teacher, but ever since we had a baby, my wife and I are just barely breaking even financially. Not struggling, but $4k/year would make a massive difference in our lives.

It seems like I'm stuck in this spot where getting a low wage job after school hours isn't even worth the time missed with my family, considering how awful the pay is. Summer work is tough because it has to justify the extra daycare expenses, and again, it's so much missed time with family for such a low reward. Higher paying gigs don't seem as interested in seasonal help from what I've encountered so far.

For the record, I'm not really interested in crypto or casino bonus schemes. I also don't have enough to invest right now to truly put investing over the edge into a meaningful return.

What are some low-risk/low-investment/low-reward side hustles?

I've tried before to get input on this, but online it doesn't go anywhere and IRL people don't seem to understand. Thought about putting it in the /~finance area, but I don't know that it's really a finance issue, plus things there seem to be wider-scale financial in focus. And there's no /~advice page, so here it is:

I feel like I should be making more money lol. Now immediately, that sounds greedy or either capitalistic/anticapitalistic, depending—I know it does, but hear me out. I have a great job that pays ok but not great, and tons of free time; in my mind, and if I'm being honest in my field, chasing a 5% raise is low ROI and low likelihood of even happening. There is little room for vertical movement, but enough security that it seems crazy to make any changes. Post-college, I have had a pretty varied career background, I am very good at editing, research, training, tech, etc. but I am not an "idea person" and I don't have a lot of marketability or self-promotion ability, it seems like (also no coding abilities, which is always a suggestion; I've tried, believe me, but my brain won't do it). I'd rather edit your book than write one of my own, not because I'm afraid of rejection or can't commit to doing something/run out of steam, but because the steam just isn't there.

I don't feel the need to change careers, but I am also feeling super unfulfilled. I've worked on doing things to try and fill that gap, hobbies/other pursuits/etc, but I am haunted by the fact that I am using such a small part of my bandwidth, when it seems like I could be outputting at 2x or 3x and earning similarly. I've applied for contract work, freelance, all that stuff, but it is spotty pay at best—what I want, short of a medieval patron/wealthy benefactor, is a second job I could do on top of this one. Which leads me to side-hustle-type rabbit holes on starting an Etsy shop/a YouTube channel/a Patreon page. But when it comes down to it, I don't actually feel any passion about doing any of those things, and I can't get a narrow enough niche figured out to even come up with a potential audience. I've avoided specializing because I wanted to do all kinds of things, and now I've done that, and I feel like maybe it was a mistake. I just want to have the resources available to do what I want. Bills are paid, life is good, but I feel like I am spinning my wheels: even writing this out is like a roller coaster of feeling shame that I'm not satisfied or that I'm ungrateful, then being frustrated I can't make it happen the way I want, on my own.

Because see, I didn't say I deserve more money; I want the opportunity to earn more money. There are a ton of things I would be perfectly happy doing for a living, or for a second job. And more money might not even help—if I was a trust fund baby I be in a similar situation. But what the fuck should I be doing then? I guess what I really want is for someone to say "Hey, I need this job done, I'll give you $XXk a year to do it" like it's 1980, and then I know I am serving a purpose? And I wouldn't feel guilty about time left over, because the job is Done. But part of me is afraid that, even if that somehow magically materialized, I would feel the exact same way I do now.

so what do tilderinos?

With the recent news about Synapse, I am a little on edge with the safety of my money. I am currently living in France for school, and am hoping to immigrate here permanently. All of my savings is in USD, so I need a way to easily and cheaply convert between USD and EUR, and be able to spend EUR locally. After a ton of research, I decided to move almost all of my banking to Wise. They don't offer traditional banking features like in-person branches or checks, but I didn't use those anyway. I can get a local bank number in any of the many countries they support. The savings account APY is insanely high (higher than I have seen from even the best high yield savings accounts. I have a debit card that allows me to spend directly from any one of my bank account currencies, and auto convert to other supported currencies. And the USD account is insured by FDIC passthrough insurance.

In the thread about the Synapse collapse, people were saying that passthrough FDIC insurance doesn't always mean that the customer's money is actually insured. And apparently some fintech services will just lie about what is covered by FDIC insurance. I am not a lawyer, and I have no idea how to validate Wise's claims about passthrough FDIC insurance.

I was recently able to open a France bank account, which was surprisingly difficult. (To open a bank account you need proof of address, like a cell phone or electricity bill. I don't pay for utilities in my school apartment, and to get a cell phone plan I need a bank account. That was fun to try and navigate.) I have these bank accounts currently: my Wise account with US USD, Belgium EUR, and UK GBP, a US Credit Union account, and a French EUR bank account. My US credit union and French banks give a very low or zero APY, so keeping my money in my Wise accounts is preferable for that reason. But I also can't afford to loose all my savings if Wise collapses. My question is this: Is Wise safe enough for general money storage, or should I use it just for converting between currencies and keeping a small amount for spending? If Wise isn't safe, what about another similar product? I have heard of Revolut, but I didn't do much research since Wise seemed better for my use case.