I just started doing this for myself this year and my method has been using Google Sheets. Just a few columns for different types of spending and some charts, nothing fancy.

The neat part about using Google Sheets is that you can download the app on your phone, which makes updating it on a daily basis easier. I actually kind of look forward to updating it after I spend money now.

Also I tend to use my credit card for every purchase that I’m able to. It’s a good way to build credit and have a record of everything you spend, just make sure you only spend as much as you can immediately pay off

And likewise you stating that I have no right repeatedly will not make that true.

Are you one of OP’s parents or something? He wasn’t even offended by my question, why are you so up in arms about it?

Again, hard disagree. If you don’t want people to question the details of your finances don’t post the details of your finances. If you’d simply said “he isn’t obligated to respond” I’d agree, but to act like asking the question was out of line is frankly ridiculous

I have no right to question people who post their data to a public subreddit? Hard disagree lmao

If you read further down you would’ve seen that I conceded there being value to the post. With that being said I don’t regret the way I approached it. My critiques were fair and I stand by them.

And I’m not jealous of anything he has to be proud of. To be frank I’m younger and earn more. I’m simply pointing out that he essentially posted a visualization of his personal privilege, which, again, I have already conceded may be valuable info to some so that they can understand why others have so much more saved than they do.

I wasn’t being hostile, I was genuinely questioning OP’s intent, because it didn’t seem very positive to me. I liked his response though, and we’ve made peace. You can chill

ETA: and about the culture thing—I have absolutely nothing against living with your parents. I wish I could. I have something against earning an above average salary and not contributing. Without an explanation for that it’s an objectively a bad look. I stand by that.

I guess I can see the value in that. After all I am an advocate for transparency about these things. It may help others to see that it isn’t their fault for not keeping up with people in situations like yours for example.

And yeah there are absolutely levels to the generational wealth thing and you are arguably on the lowest tier. That’s fair

Well good for you and your parents, genuinely. I don’t mean to sound bitter about it, I’m just not sure what we’re supposed to gain from this. It doesn’t inform anyone of any potential spending habits other than “man it would be awesome if I had no bills.”

I make even more than you do and it will take me several years to save what you do in one. Just not sure what sort of feedback you’re looking for on this. Making it is one thing, posting it is another—it implies that you want engagement. But what sort of engagement did you imagine? Pats on the back and jealousy? Genuinely curious

Also FYI you should be aware that this is generational wealth. It may not be a 7 figure inheritance, but it is your previous generation providing you with a huge leg up on your peers to enable you to own more than you would have on your own. No shame in that, but that’s what it is. Be happy and grateful, but make sure you never brag

You don’t pay anything for housing? Like even if you still live with your parents you make over 90k and don’t give them anything? Not even groceries or utilities (I know for a fact that grocery figure doesn’t cover the whole family).

Genuine question—are you parents wealthy? If not I can’t help but feel like this is kind of shitty.

Also frankly it’s almost annoying that you made this post. This isn’t about financial discipline, it’s about extremely fortunate circumstance. The rest of us don’t have this option, so it’s kind of just bragging about generational wealth. I’m sure you did something to earn your salary, but beyond that this is just a visualization of life on easy mode.

Or maybe—hear me out—Elon isn’t a genius who is always playing 4d chess. Maybe he’s a dog who caught the car and doesn’t know what to do with it. Charging for the check mark defeats the entire purpose of the check mark. It’s not calculated, it’s stupid.

I will leave Twitter and not lose a wink of sleep over it if they ever charge me a single cent and I am confident that the vast, vast majority of users will do the same. If he doesn’t realize that then he’s even dumber than he’s seemingly been trying to make himself appear with his push polls, leading questions, and bad memes that he’s been rambling off in an attempt to win people back over ever since he got publicly embarrassed by being forced to buy this company at a loss.

My advice? Mute his account. Block every ad account. And the second someone demands you pay money for a social media account, delete the app. We control the economy, not people like Elon. We vote with our attention and our dollar. Stop voting for that guy, please for the love of god.