SmartAsset VS YouNeedABudget

SmartAsset Reviews

YouNeedABudget Reviews

SmartAsset mentions (41)

• Living conditions for Douglas/Arapahoe county area

  Moving from central Illinois. Got a job offer today for a company in Englewood. First year salary will be 85,000 (73,000+12,000 sign-on). Realistically, after taxes, I've calculated my first year take home to be ~60,000, after which (if no raises or bonuses, only riding my salary) take home will be ~55,000. Not sure on the accuracy of that, just used smartasset.com. Source: 6 months ago

• How much do you currently have invested in JEPI?

  That is ordinary income taxes. If it was qualified I’d pay $0 on first $81,000 I make. You can calculate taxes with smartasset.com . Federal taxes are pretty low on mere mortals. The rich really do pay their fair share. Source: 11 months ago

• Side hustling to buy JEPI/Q until this happens.

  I use smartasset.com Good tax calculator. Assume $100,000/ yr from JEPI/JEPQ. Married filing jointly I get effective Fed rate of 8.48% with $8481. My state is listed as eff rate of 4.87% or $4868. No FICA of course. Taxes total about 15%. Big deal. Now if you have $300,000 in dividends I would either go with qualified dividends or long term gains rate on selling shares. Source: 12 months ago

• Living in Kali

  Net (w/taxes etc): $70,000 (per SmartAsset.com) breaks down to $5,000/month net ($2,500 bi-weekly). Source: about 1 year ago

• got my real estate assessment today....

  I'm not cherry-picking here. I'm picking out random cities, typing them into smartasset.com, and typing out the results as they come. Source: about 1 year ago

YouNeedABudget mentions (55)

• Is $250 a month in disposable income livable for a family of 3?

  You'll be going into a tight budget time, so get a really good system in place. If you don't have that you love already, I recommend YNAB (youneedabudget.com). It's envelope based and is really good for planning ahead for irregular expenses and for "rolling with the punches" if something comes up. It works differently than traditional monthly budget, so take time to use all the resources to learn the system. ... Source: 11 months ago

• LPT Request: What is your favorite life hack that has saved you money, time, or made your day-to-day activities easier?

  I also said in a comment below, I use YNAB to track my financial life. This strategy only works if you have enough confidence in your finances to know that if I gave you a card with 100k credit limit, you would never spend more on it than what you have in your bank and has been budgeted for. If not, I cannot overstate how important it is to get your budget in order beforehand. There’s zero money saved if you pay... Source: 11 months ago

• Fund future vacations

  If you aren’t already giving every dollar you make a job, earning more money will only get you so far. Check out YNAB, read all the free content about learning to plan and budget. Source: about 1 year ago

• Tracking savings goals

  Track it by hand or in software. I started out with just a spreadsheet, but since then moved my whole budget to YNAB (youneedabudget.com), where you track all your individual savings goals as well as how your money will be used to cover regular (and irregular) expenses. Now the whole plan is in one place, and covers everything from how much is set aside for gardening supplies for this summer to the big... Source: about 1 year ago

• My grandfather passed away and left me 25k. I have next to no savings and I owe money on a couple credit cards and a car. Almost 40, how do I maximize this?

  Aside from all the other advice, get a subscription to YNAB (youneedabudget.com) and start using it religiously. It will help prevent any backsliding and will put you in a much better financial situation going forward. Source: about 1 year ago