I used to be happy paying $45/year for YNAB (grandfathered plan). But then "lol no, $90/year" happened and I started looking into alternatives. I tried out a bunch but none felt the same. Eventually I found Actual (open-source). I've been using it for ~6 months now and it offers everything I want/need. I self-host the container on my PC (no sync/etc.).

Are you planning on working until you're 60+?

Or maybe selling it all and living in a rural area?

Buying stocks or ETFs?

Or something else?

So what's your retirement plan? At what age do you want to retire and how are you working towards this goal?

A very newbie question to which I'm having a hard time finding a clear answer (and I don't want to read a dissertation on how the stock market works).

I'm planning to sell my FZROX (FIDELITY ZERO TOTAL MARKET INDEX FUND) shares.
Fidelity states "This trade will be completed at the next available price.".

Does this mean the estimated value could be much lower than it currently is when it "sells"?

e.g. Currently priced at $10,000 when I put in the order to sell, but sold on next pricing when value drops to $7,000 because market.

There's a couple of other words that describe what I'm talking about - neoliberalism, lassez-faire capitalism, and in a more general sense, the Chicago school of economics - but I chose market fundamentalism because it seemed to best describe precisely what I'm talking about. I mean the belief that the market is capable of self-regulation and that governmental intervention will cause damage to the economy.

I'm asking this because there's still a lot about economics that I don't know about and so I was hoping someone with a background in the subject who would be able to better answer the question. But I realize it's probably also a political question. I wonder if it's more of an issue of our politicians pressing these views than economists and academics.

Personally, with my life's experience, it seems almost obviously wrong. I've lived through several market downturns and even a crash, and looking through history it seems like every market crash can be attributed to the market failing to correct itself.

https://asiatimes.com/2023/07/indonesias-mineral-export-bans-face-hot-global-fire/

JAKARTA – Indonesia is under rising fire at the World Trade Organization and by the International Monetary Fund (IMF) for the government’s seemingly haphazard policy of banning mineral ore exports, a market intervention Jakarta insists is just and necessary to maximize its economic and industrial growth.

In a sharply worded statement accompanying its 2022 country report, the IMF called for Indonesia to phase out the restrictions and not extend them to other commodities. “The increasing use of trade measures and industrial policies may destabilize the multilateral trade system,” the IMF said.

So, if I have stocks that were purchased during the class window of a class action lawsuit, is it okay for me to sell them?

It's not a large amount of money at stake here, but it'd also be nice to be able to recoup some of the losses I had due to the misleading information that caused me to buy the stock and ive filled out the forms but they didnt say anything about future actions just asked when i bought or sold any at the time of the suit. I am not sure if it's okay to sell them or if I should hold them.

Any one have recommendations? This is US stock exchange, and if I did sell they'd be at a loss and I have sold other stocks at profit so I would be looking at capturing the losses on my taxes.

Now, rationally, I suspect the answer is "Of course!". But I'm looking for general advice, if my fellow Tildesians would be so kind.

This question has arisen while investigating opening a Monzo account. Apparently, you can lock away some money for 12 months and get 5.3% AER interest on it - meaning for every, say, £1,000 I put in, I get £50 back, right?

My question: is that really worth it, in the grand scheme of things? Even if I put in £10,000, I'd be locking myself out of that much money for a grand total of £500. I understand that's a lot to some people (even me), but it hardly seems worth it.

Perhaps there's something I'm missing. Perhaps some bad maths on my part or some other type of interest that I don't know about. All advice is welcome and appreciated!

Everywhere I turn everything is more expensive.

I'm spending less and less every month on non-necessities, buying more basic foods, never eating out, spending less on entertainment, etc but everything else just keeps going up and up.

Electricity just went up 12%, my gas bill is up 20%, rent has gone up 10% year after year, water is somehow 30% more expensive than it used to be, my groceries are more expensive than ever even though I'm buying in bulk and not buying anything fancy, I've stopped eating luxuries I used to enjoy like steak and fancy cheese because they've just gotten outrageous.

I have a good job that pays decently but my raises have been less than 3% a year and I feel like I'm getting squeezed out of everything I once had. There's no light at the end of the tunnel is there?