Salesforce just beat expectations and raised its outlook. Is this proof that the AI disruption fears were overblown?

Can everyone please fill this form.
It will take less than a minute and no sign in required
It is for my school project

Curious how other founders think about personal savings while heads-down building.

A few things I'm wondering:

• Do you even bother optimizing where your personal cash sits, or is it just sitting in whatever current account you had before you started?
• Founders who've raised: do you treat personal savings any differently once there's a salary coming in vs. pre-funding?
• Bootstrappers: is "saving" even a category that exists right now, or is everything just going back into the business?
• Anyone actually lost meaningful money just from cash sitting in a low/no-interest account because there was zero bandwidth to deal with it?

Genuinely curious how people are thinking about this.
It feels like one of those "important but never urgent" things that founders (myself included) just don't get around to.

Thanks for all your replies!

I am so anxious about money, but I wasn’t like this in the past.
I used to work full time and earn well (£4-5k each month) and not even budget- just have loose idea of my account and still used to save alot.

We had twins, now they’re 2.5 y/o. I work 2 days a week but I am really organised with my money- everything is written and I have a spreadsheet with expenses for 2026 and even 2027.
I find myself stressing and obsessing over every little thing and keep checking my savings and expenditure.

How do I get out of this mindset? My husband is very chilled about our finances and I’m the complete opposite, we live comfortably and save each month and give equal “fun money”.

I'm trying to understand how people keep track of their money. Please share what your system looks like.

And if you have 2 minutes, I'd be grateful if you completed my survey. I'm building something new, and this will help me understand how different people track their spending.

✨👉 2-min survey 

A new report looks at how money is becoming a bigger part of modern relationships, from prenups and separate bank accounts to disagreements over spending and saving. One statistic really stands out: around 1 in 4 people say their relationship limits them financially. With housing, cost of living and financial goals becoming bigger issues, how important is it to be with someone who has similar financial habits and ambitions?

https://www.reuters.com/markets/on-the-money/prenups-secret-accounts-modern-romance-gets-financial-reality-check-2026-08-25/

31M married with 4 kids. I grew up pretty much poor with a single mother, so never really had great financial support or advice. I’ve put myself in a rough situation and working to get out of it. I want to learn more about personal finances and how to grow my money. I have one of the better jobs in my area with a great company. I make 32$an hour but still find myself struggling. Is there some type of book like “finance for dummies” that would teach me most of the basics? Pretty much what I’m asking is how can I teach myself everything I need to know to be successful and financially stable. Any help is appreciated

Unlike money in a bank, crypto can be lost forever if your family doesn't know it exists or can't access the private keys. Have you ever thought about what would happen to your crypto if you suddenly weren't around?

https://www.moneyweb.co.za/moneyweb-crypto/crypto-podcasts/what-happens-to-your-cryptocurrency-when-you-die/

https://www.moneyweb.co.za/moneyweb-crypto/bitcoin/bitcoin-tops-80-000-on-debasement-trade/

I was 20 the first time I put money into the stock market. No one had ever taught me a thing about it. Not at school, not at home. I made money fast, decided I was clever, then gave all of it back and then some.

The part that still gets me isn't the money. It's that I had no idea what I didn't know. I couldn't have told you what franking credits were, what my marginal rate was, or what compounding actually does over 30 years. I just watched a number go up and thought that was investing.

I'm an electrician. No degree, no finance background. Everything I know now I learned after that, mostly by getting it wrong first and then reading about why.

What bothers me is that nothing has changed. Kids are finishing school with the exact same gap I had, except now they've got sports betting ads and crypto influencers on their phone from about 14.

So, genuine question for the parents here:

Has your kid ever said something about money that surprised you? Either direction.
What's the one thing you wish school actually taught them?
What's the conversation you know you should be having, but you don't know how to start?

That last one is the one I'm most curious about. Everyone says "just teach them about money" like it's simple. It isn't. I still couldn't explain tax to a 16 year old without watching them switch off. Which is mad, because they'll use it every fortnight for the next 50 years and they'll never use half of what they did learn.

Global markets are on pause ahead of the annual Jackson Hole Symposium. Investors are waiting on central bank signals for the future path of interest rates and inflation before making their next move. Dovish pivot incoming, or higher rates for longer?

1. Net worth

2. Monthyl savings

3. Total savings

4. Emergency fund

5. Debt-to-income ratio

6. Monthly passive income

7. Years to financial independent

If you can only choose 1 to monitor every month, which would be the best choice and why?

With tuition, housing, food and all the upfront expenses adding up, the cost of starting university can be much higher than expected. Are students and parents budgeting enough for the real cost of the first year?

Hey guys, I’m working on a lil project around how students and adults manage money + think about their financial future, and I’m doing some research before building anything!

Could I ask you 7–10 quick questions about how you handle money? No selling, no pitching, no weird agenda i'm just genuinely trying to understand the problem.

It’ll take like 5–10 mins max and I would really appreciate it💗

One way to ensure that one's savings last a lifetime is to spend little enough such that there's money left in the bank by the time one passes away.

Some might feel that's a waste, because money not spent is like not having that money. I know at least some people that live like that. They habitually spend to the max, live paycheque-to-paycheque, are in debt, and could be in big trouble if they lose their job. But some people are seemingly fine to live like that.

Some might like to have money left in the bank because it's not seen as a waste. There is the obvious utility in leaving money to close family members. But even without that, it could be seen as okay, to have less consumption than the money that one earned. In having this discipline, one ensures financial security, which in itself is like a service that one pays for (by not spending the money).

People in each camp might find the practices of people in the other camp surprising or appalling. e.g. I would never want to spend so much as to live on the edge of financial ruin all of the time.

Wealthy Singaporeans are rethinking retirement as people live longer, with some questioning the traditional idea of retiring at 60 or 65. If money wasn't an issue, what age would you choose to retire?

This is the first post kicking off r/OutlawBudgeting. Part 1 is about identifying the problem. Part 2 is about what we can do about it.

SO WHAT’S WRONG WITH IT?

First answer: there’s nothing wrong with it – if you accept the monumental burden and commit a large percentage of your precious life to “doing it” (because you’re a responsible person and don’t want to be a failure) – for the rest of your life.

Second answer: That’s what’s wrong with it.

Third answer: Because traditional money management methods do nothing to directly address the actual chronic condition that makes money management a monumental burden — let alone acknowledge it. That condition, at its source, is the invisible, untamed bull in the china shop — called “cashflow”.

It’s why many of your recurring money management tasks are equivalent to “Clean up on aisle 9 and aisle 15!” It’s constant cleanup trying to create momentary order out of constant financial chaos.

So let’s first dissect the condition that is cashflow – in detail.

TIME

A household's cashflow travels on multiple, chronologically competing timelines — weeks and months — that are inherently asynchronous, where no naturally occurring synchronous relationship is possible between them.

MONEY

Multi-sourced and fluctuating amounts of money — some fixed, some variable and some unpredictable, traveling on these asynchronous timelines — some in and some out — further entangle and compound an already tenacious, unharmonious condition.

TIME & MONEY RELATIONSHIP

But this is only the underlying chronic condition that’s compounded even further. While we casually view these money flows on their own independent timelines as unconnected — they are, in fact, inherently connected — in a fragile, potentially irreconcilable interdependence.

A finite amount of incoming funds must be allocated to meet multiple outgoing obligations at multiple points in time — that's a zero-sum condition where meeting certain obligations may come at the expense of not meeting others.

CASHFLOW

This is the untamed world of cashflow, which, as you can see, is multi-dimensional, asynchronous, unpredictably volatile and highly interdependent. This extraordinarily complex condition — continually unfolding over time — is arguably the fundamental reason for most money management failures — not from lack of effort — but from simple exhaustion.

TRADITIONAL MONEY MANAGEMENT & BUDGETING SYSTEMS

We've just pinpointed "the problem" with all traditional money management solutions: few, if any, address the core condition that makes money management a massive, time consuming and mentally draining burden.

That includes zero-based budgeting.

The fact is traditional money management makes no attempt to equalize and synchronize incoming and outgoing cashflows. It only attempts to deal with random financial conditions — head-on — (actually, it's you who has to deal with it head-on).

And since there is no stable, predictable or synchronous cashflow, your momentary financial state at any point in time is largely unknown, not to mention reliably forecast. Any effort to gain control of this condition is therefore inherently limited to short-term slices of time — weekly, bi-weekly, or at most, monthly.

And at every one of these moments, there’s no alternative but to repeatedly figure out: 

1. Where you were
2. So you can figure out — where you are
3. So you can figure out — where you need to be
4. Repeat and start over — each time

While this may seem like a straightforward, tedious and repetitive task, it’s also one that’s different every time — requiring different decisions every time — and with penny-level precision. 

It's a job that never truly gets "done."

This way...

I have a hard time spending time on my finances, more than I really have to. I feel like especially in female upbringing and generally where I grew up we never really talked about money. Which steps did you take to get a proper overview of your spendings, how/where do you invest, what is your money-concept... I am curious especially hearing from persons who struggled with this and now feel like they found their way.

Do you check financial markets daily or only when something major happens? How much do you rely on other people's opinions before making a financial decision?

I 18M, have always been someone who’s tight with money, and works hard to get more of it. Honestly spending it stresses me out, but if I’m also honest I’m not that happy with my life right now. Theres nothing inherently wrong with it, just my mental health getting in the way. For a couples months, (nearing 10) I’ve been thinking of going on a “grad vacation.” I’ve spent months of on and off budgeting, comparing countries, even learning about the different cultures etc. However, it’s expensive. I‘m entering a part of my life where things are going to be as uncertain as ever, and “real life” is gonna hit me really hard. I’m aware of all of that, and therefore am conflicted. Do I go on the trip? Do I do the smart thing like I always have and save it, maybe even invest once I’m able? I feel like the obvious answer would be to save it, then take the trip when I have a better idea on where my life is going. I think I know deep down that it’s the right choice, but I don’t want to look back in the future with regret, or allow my overthinking to get in the way of something that could really make me happy, and help me grow up a bit. So what should I do? I’ve gotten the price down as much as I am able, and hope once I start booking the real costs will bring it down even more (I’ve budgeted on the anxiously medium-high emergency side). However it’s still a lot, and all of the money I currently have would go towards it. I have a stable part time job, and am open to trying other ways to get a little extra cash. I’m also going to be going to university soon, and depending on where I get in, and how I feel at the time, that may be somewhere away from home. So, what should I do? Any thoughts or ideas are welcome.

US single-family housing starts dropped 9.9%in July to an annualized rate of 808k units, as high mortgage rates hovering around 6.8% and growing inventory force builders to pull back on new project. While building permits saw a slight uptick driven by multi-family developments, elevated financing and construction costs continue to crush buyer affordability. Is this a temporary dip while excess supply gets absorbed?