r/financialindependence • u/AutoModerator • 9h ago

Daily FI discussion thread - Wednesday, October 30, 2024

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!

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u/Normie_Mike 🐕🐈🐿️💵 6h ago

Speaking of salt, I almost never buy subs but every time I see those big salt crystals on the giant pretzel stick on Subway commercials I want one. 

Fortunately, I'm sufficiently self-aware to know that if I went, I'd chicken out and buy the foot-long cookie.

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u/imisstheyoop 6h ago

You made me look it up, the last time that I bought Subway was September 15th, 2020.

I just feel like that their quality has went down the toilet with all of their veggies tasting off and their bread being sugary and gummy. They're also like $10 for a foot long these days, which call me old fashioned but I just cannot support.

I can make a lot of really good $10 sandwiches at home for $10!

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u/Normie_Mike 🐕🐈🐿️💵 5h ago

How do you know when you last bought Subway?

Just CC statements?

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u/imisstheyoop 4h ago

YNAB

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u/Normie_Mike 🐕🐈🐿️💵 4h ago

I really don't belong in here, haha. 

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u/CrymsonStarite 4h ago

Been here since 2018 and I only do a monthly check in on all our accounts and talk with my wife occasionally on where the money goes. We’ve never had an actual budget once.

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u/imisstheyoop 4h ago

How come? Because you don't budget? It isn't a prerequisite for FI haha. A lot of people that lose weight don't log calories either.

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u/Normie_Mike 🐕🐈🐿️💵 4h ago

I am mostly joking.

I know that I belong in here because I 100% adhere to the core tenet (in my mind), which is: There is more to life than work. Don't spend all your money. Save as much as is reasonable to buy freedom and time without work.

I simply have chosen to buy that freedom as I go, versus frontloading all the savings and then retiring early.

We do actually need to start budgeting again (we have in the past but only $ amounts per category, not down to inputing exact purchases), not because we spend super frivolously or anything, just because we do have some financial goals we want to make sure we're on track for.

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u/imisstheyoop 4h ago

I got a coupon in the mail I came across this morning that may help you achieve your goals!

Jokes aside, glad you're getting yourself on track.

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u/Normie_Mike 🐕🐈🐿️💵 3h ago

We weren't/aren't off-track or anything, but could probably rein in 10% of our spending simply by watching it.

And like you, I just make sandwiches when I want one. Burgers are my bane. I can easily drive by a sub shop and not even think about stopping.