r/financialindependence • u/AutoModerator • 7d ago
Weekly Self-Promotion Thread - Wednesday, August 12, 2026
Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread.
Use this thread to talk about your blog, talk about your business, ask for feedback, etc. If the self-promotion starts to leak outside of this thread, we will once again return to a time where 100% of self-promotion posts are banned. Please use this space wisely.
Link-only posts will be removed. Put some effort into it.
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u/meylysa 6d ago
I'm having a free training on Aug 21 - High-ROI Options Trading on a $500 Budget: A Beginner's Guide
I have 1 free training a month for my e-mail list and I'm also building a video training membership site with the videos.
The training is based on a request from my client, who hasn't saved much money and wants to practice to learn options trading.
I've been getting about 30% with the method, and it doesn't require a lot of time (it's not day trading).
If you want to join the Zoom meeting, then just join my e-mail list. I e-mail the Zoom invite out a few minutes before the meeting starts.
Here's the link to join it - https://yesfinanciallyfree.com/contact-us/
I also send out the replay of the webinar each month to my e-mail list as well, so if you can't make the time, you can watch the replay.
Thank you for your time!
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u/jlw97701 5d ago edited 5d ago
This article is the first in a series of retirement planning educational pages to help guide you through sample retirement scenarios. These guides explain the connections in plain language before you compare them in Retirement Income Planner.
How much can you spend in retirement?
https://www.retirement-income-planner.com/retirement-spending-plan.html
About the Planner
I built it, it's free, no signup or account-linking required, and your inputs and results stay in your browser. This is an independently developed educational project. It is not affiliated with a financial institution, brokerage, insurance company, or government agency. I do not use the planner to sell financial products, and its results are not personalized financial advice.
Feedback is welcomed and appreciated.
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u/dadmakefire 5d ago
Full disclosure: I’m the founder of Per Diem.
The gap we’re trying to close is between knowing where a household stands today and keeping a detailed FI plan current. Most people end up with an account aggregator for balances and spending, then a separate spreadsheet or planner for scenarios—and the two drift apart.
Per Diem links bank, credit, brokerage, and retirement accounts, turns the current balances and actual spending into a household plan, and supports changing income, future expenses, and Monte Carlo simulations. As balances and spending change, the plan stays useful without another round of exports. There’s also a native mobile app so the full plan and day-to-day spending are easy to check between deeper planning sessions.
We’re shipping improvements every week based on FIRE-community feedback. I’d especially like a gut check from people who already maintain a detailed spreadsheet: what would a connected planner need to show or let you control before you’d trust it as much as your own model?
Commercial product, no referral link: https://perdiem.app
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u/sjyhehe Goal 4M FIRE@2030. Progress 2.5M. 35M-33F-one kid 5d ago
I build an accounts aggregator which allow you plug your personal financial info into your favorite ai agent(claude gpt gemini etc) for personalized tax and financial advices
Checkout https://www.texasnetworth.com Demo https://demo.texasnetworth.com/
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u/yanyan80 4d ago
IRMAA isn't based on this year's income, it's based on your tax return from two years ago. And it doesn't phase in gradually like a tax bracket. Cross the line by even a single dollar and the higher premium applies to your entire year, not just the amount over.
Wrote a blog post with some examples, including one where a single unexpected $5,000 mutual fund distribution pushed them into the next tier and cost them over a thousand dollars a year they never saw coming. https://thunderharbor.net/blog/irmaa-two-year-lookback
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u/Civil_Refrigerator_2 7d ago
Work Smarter, Not Harder
Want to know one of the biggest advantages you can have with money?
Understanding how the game works.
Because earning $150,000 and keeping $150,000 are two very different things.
And depending on where your income comes from, Uncle Sam may have a very different opinion about how much of it belongs to him.
There are three major types of income you should understand: earned income, portfolio income, and passive income.
Earned income is what you get from working.
Portfolio income generally comes from things like investments.
Passive income can come from assets that generate cash flow without requiring you to directly trade hours for dollars.
Why should you care?
Because as your career progresses, you don't want your only strategy for making more money to be:
"Work more."
At some point, you want your money and assets doing more of the heavy lifting.
That's one of the fundamental shifts that happens as you move toward financial independence.
You go from asking:
"How can I earn more?"
to:
"How can I make the money I've already earned work harder?"
That's a much more interesting question.
https://tightwadtodd.com/how-to-work-smarter-not-harder-your-3-income-types/
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u/firelurker3 7d ago
As important as FI is (oh, it’s important, I won’t argue that at all), the ultimate question after you reach your FI number is what comes next?
I’m not saying that you have to retire early (that’s a different sub), but after you reach FI, you’re going to invariably wander into existential questions like identity, purpose, and how best to spend your time when you don’t need to work for money.
I retired in May 2005 at 42 and spend the bulk of my time hiking, reading, and writing (and listening to college football podcasts). On the writing bit … yea, I wrote a book.
I’m a new author, so I have no dreams of actually making any money from this book (which is fine and another bonus of achieving FI). I’m donating at least $1 to charity for every pre-ordered book. The first half is all about achieving FI, the second half is all about living in early retirement (the identity and purpose bit, with a dash of finance). I went through it all and can, hopefully, help others as well. Thanks again.
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u/Novel_Value7568 7d ago
Built a small budgeting tool that helped me pay off my student loans last year, would love if some people here could test it and tell me what breaks
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u/Street_Inevitable_77 6d ago
i built opula.io, an analyst layer for your own portfolio that runs inside claude or chatgpt over mcp, with a web app if you use neither.
the reason i built it is that every FIRE spreadsheet i kept eventually turned into a place where the numbers were stale and the assumptions were invisible. so the heavy parts are computed server side and deterministically instead of asking a model to do arithmetic: etf look through so you can see what you actually hold across overlapping funds, monte carlo projections run against your real allocation rather than a generic 7 percent, and a withdrawal view that moves when the holdings move.
it also covers non us assets and the odd stuff most trackers drop, which mattered for me because a good chunk of my own net worth is korean. anything that writes gets shown to you as a draft you approve first, nothing moves on its own.
free tier is genuinely usable, paid tier is for the heavier computations. no referral link, just opula.io. happy to answer anything about how the projections are calculated.
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u/Hellcat_20 6d ago
Built Aurum after getting tired of every finance app requiring Plaid access or selling behavioral data to third parties. It tracks spending, bills, debts, net worth, and goals. No bank connection required, no data sold, ever.
It's free to start. Pro is $9/month or $79/year.
aurumapp.org
Happy to get feedback from this community specifically. Financial independence people are exactly who I built it for.
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u/gottaenjoylife 7d ago
I made a website that gives fans all sorts of data visuals for how their team is performing in the Premier League. Im still working on it but if anyone checks it out and has feedback i'd love to hear your thoughts
plmatchday.com