Another vote for the Sapphire reserve, especially when paired with the freedom and freedom unlimited.

Another vote for the Sapphire reserve, especially when paired with the freedom and freedom unlimited.

That is app by app dependent. Most apps have compatibility with most versions unless something major changed in the Android version or the apps are poorly coded.

Whilei agree the camera isn’t flagship level, try installing the Google camera app from forum.xda-developers.com/essential-phone/themes/custom-gcam-settings-using-tolyans-build-t3829476

Me and my wife are still using it. We got it at the closeout price of $224 on Amazon. The phones are aging well and still going strong. The camera is actually pretty decent with the Google Camera app.

I use the Chase Freedom Unlimited. The current offer of 3% back on everything up to $20k for the first year. It’s “only” 1.5% back on everything, but it comes in Chase UR points, which I value at more than 1c per point.

I use the Chase Freedom Unlimited. The current offer of 3% back on everything up to $20k for the first year. It’s…

Got it yesterday on my Essential Phone. It’s awesome to see any manufacturer not named Google still updating a 2 year old phone on the day the update.

I work with a lot of people making >$100k a year. My wife works with a lot of people making <$40k/year. The same financial problems and solutions occur with both sets of people.

In general, I’m not a huge fan of branded (hotel, airline) credit cards, but I signed up for this one. I got it on the 2 free night (+$50 statement credit) sign on bonus and used them on the Park Hyatt in NYC. The normal rate on that hotel with taxes for 2 nights was $1900 (Way overpriced). The points also tend to be…

In general, I’m not a huge fan of branded (hotel, airline) credit cards, but I signed up for this one. I got it on…

I’ve dialed back my 401k contributions to dial up my HSA contributions. I switched $7k over to my HSA from my 401k.

Prepare yourself for day care costs. We have 2 kids 18 months apart. For a 2 year period, day care was more expensive than our mortgage.

For our honeymoon, we did a European cruise out of Barcelona. We saved about $400/person by booking a direct flight to London and a second flight from London to Barcelona. We used the savings to pay for a few nights of hotel in London and extended our trip.

I bought an 08 and sold it a few years later. It was a fun car, but it couldn’t put the power down, even with super sticky tires summer tires I replaced every 15k miles. First gear was near useless. The handling was mediocre.

They seemed really happy before. They just had very differing opinions on how to spend the money. Everything big and small was a disagreement.

The biggest, most obvious one is he got divorced. Before the win, him and his wife were perfectly happy with their situation. When they had enough money to do anything, they wanted to do different things, causing a split.

I personally know (as more acquaintance than friend) someone who hit a very large lotto jackpot, many times greater than the “ideal” amount.

I think the concept mentioned of enjoying the fruits of your labor, to an extent, is something very important and often overlooked in the finance realm. I have stopped buying so much stuff but am spending a lot on travel.

Nope, that's downtown Orlando. Don't believe me? Google the name of the sign in the background (Sak comedy lab)

As far as fund research, what does the average person do when there is inadequate public data about the funds in your 401k? At my last small company, we had funds that weren’t publicly available and were terrible.

While this is true, you have less to invest up front. If your tax rates are equal now and at retirement, you net the exact same amount.

My wife and I were discussing this today. We’ve got a Sapphire Reserve, so travel is almost always the best redemption value. The good thing is we like to travel.