john

His ass. This is a conspiracy theory that’s been going around for ages with dubious sources at best.

Honestly, everyone else has it spot on with the retirement advice. Even people that are north of $10M net worth follow that same advice.

For personal day-to-day stuff I would recommend You Need A Budget.

This is a fantastic way to keep a budget.

Honestly the apps on my phone that do this are amazing. I bought an adapter that adds a 1/4” and an 1/8” jack so I can listen to it through headphones and it’s beyond anything we had just a few years ago.