SavePoint
@savepoint.bsky.social
SavePoint is a privacy-first offline personal finance app for budgeting, cashflow, reports, goals and FIRE. Runs on your computer. No tracking. No subscriptions. Follow for updates, deals and tips. Not financial advice.
https://savepointfinance.com
https://savepointfinance.com
4/4 The 25x rule is a starting target, not a guarantee. Use it as a quick calculation to understand where you're headed.
February 13, 2026 at 2:00 PM
4/4 The 25x rule is a starting target, not a guarantee. Use it as a quick calculation to understand where you're headed.
3/4 What it doesn't account for:
- Social Security (lowers your number)
- Pension (lowers your number)
- Healthcare (raises your number)
- Housing (paid off vs renting)
- Social Security (lowers your number)
- Pension (lowers your number)
- Healthcare (raises your number)
- Housing (paid off vs renting)
February 13, 2026 at 2:00 PM
3/4 What it doesn't account for:
- Social Security (lowers your number)
- Pension (lowers your number)
- Healthcare (raises your number)
- Housing (paid off vs renting)
- Social Security (lowers your number)
- Pension (lowers your number)
- Healthcare (raises your number)
- Housing (paid off vs renting)
2/4 Your number by spending:
$40K/year = $1.0M
$60K/year = $1.5M
$80K/year = $2.0M
$100K/year = $2.5M
Median needed to retire comfortably: $1.26M
$40K/year = $1.0M
$60K/year = $1.5M
$80K/year = $2.0M
$100K/year = $2.5M
Median needed to retire comfortably: $1.26M
February 13, 2026 at 2:00 PM
2/4 Your number by spending:
$40K/year = $1.0M
$60K/year = $1.5M
$80K/year = $2.0M
$100K/year = $2.5M
Median needed to retire comfortably: $1.26M
$40K/year = $1.0M
$60K/year = $1.5M
$80K/year = $2.0M
$100K/year = $2.5M
Median needed to retire comfortably: $1.26M
5/5 The fix: Build a budget based on actual spending, not ideal behavior. Include fun money. Adjust instead of quitting.
February 12, 2026 at 2:00 PM
5/5 The fix: Build a budget based on actual spending, not ideal behavior. Include fun money. Adjust instead of quitting.
4/5 5. All-or-Nothing Thinking - One bad week = "I failed, I quit." Instead of adjusting, people abandon the entire plan.
February 12, 2026 at 2:00 PM
4/5 5. All-or-Nothing Thinking - One bad week = "I failed, I quit." Instead of adjusting, people abandon the entire plan.
3/5 3. Forgetting Irregular Expenses - Birthdays, car repairs, subscriptions
4. Too Complicated - 47 categories = decision fatigue
4. Too Complicated - 47 categories = decision fatigue
February 12, 2026 at 2:00 PM
3/5 3. Forgetting Irregular Expenses - Birthdays, car repairs, subscriptions
4. Too Complicated - 47 categories = decision fatigue
4. Too Complicated - 47 categories = decision fatigue
2/5 1. Too Restrictive - Deprivation leads to binge spending
2. Unrealistic Goals - Expecting perfection from day one
2. Unrealistic Goals - Expecting perfection from day one
February 12, 2026 at 2:00 PM
2/5 1. Too Restrictive - Deprivation leads to binge spending
2. Unrealistic Goals - Expecting perfection from day one
2. Unrealistic Goals - Expecting perfection from day one
4/4 Example: $400K home, 20% down. Down payment: $80K. Closing costs: $8K-$20K. Total needed: $88K-$100K. Budget for both.
February 11, 2026 at 2:00 PM
4/4 Example: $400K home, 20% down. Down payment: $80K. Closing costs: $8K-$20K. Total needed: $88K-$100K. Budget for both.
3/4 State matters:
- Highest (NY): $17,545 average
- Lowest (IN): $1,551 average
- Highest (NY): $17,545 average
- Lowest (IN): $1,551 average
February 11, 2026 at 2:00 PM
3/4 State matters:
- Highest (NY): $17,545 average
- Lowest (IN): $1,551 average
- Highest (NY): $17,545 average
- Lowest (IN): $1,551 average
2/4 What you're paying for:
- Loan Origination: 0.5-1%
- Appraisal: $300-$500
- Title Insurance: 0.5-1%
- Inspection: $300-$500
- Attorney/Escrow: $500-$1,500
- Loan Origination: 0.5-1%
- Appraisal: $300-$500
- Title Insurance: 0.5-1%
- Inspection: $300-$500
- Attorney/Escrow: $500-$1,500
February 11, 2026 at 2:00 PM
2/4 What you're paying for:
- Loan Origination: 0.5-1%
- Appraisal: $300-$500
- Title Insurance: 0.5-1%
- Inspection: $300-$500
- Attorney/Escrow: $500-$1,500
- Loan Origination: 0.5-1%
- Appraisal: $300-$500
- Title Insurance: 0.5-1%
- Inspection: $300-$500
- Attorney/Escrow: $500-$1,500
Appreciate any feedback along the way as we aim to get this right We're excited to launch the trial soon!
#savepointfinance #savepoint #buildinginpublic #devdiaries #budgeting #debtfreecommunity #fireindependence
#savepointfinance #savepoint #buildinginpublic #devdiaries #budgeting #debtfreecommunity #fireindependence
February 11, 2026 at 12:50 AM
Appreciate any feedback along the way as we aim to get this right We're excited to launch the trial soon!
#savepointfinance #savepoint #buildinginpublic #devdiaries #budgeting #debtfreecommunity #fireindependence
#savepointfinance #savepoint #buildinginpublic #devdiaries #budgeting #debtfreecommunity #fireindependence
4/4 The fix: Automate savings increases BEFORE seeing the raise. Increase auto-transfers by 50% of any raise. You'll adapt to the slightly higher lifestyle.
February 10, 2026 at 2:00 PM
4/4 The fix: Automate savings increases BEFORE seeing the raise. Increase auto-transfers by 50% of any raise. You'll adapt to the slightly higher lifestyle.
3/4 The drivers:
- Hedonic Treadmill: We adapt to improvements
- Social Comparison: We benchmark against richer peers
- Present Bias: We overvalue now vs later
- Hedonic Treadmill: We adapt to improvements
- Social Comparison: We benchmark against richer peers
- Present Bias: We overvalue now vs later
February 10, 2026 at 2:00 PM
3/4 The drivers:
- Hedonic Treadmill: We adapt to improvements
- Social Comparison: We benchmark against richer peers
- Present Bias: We overvalue now vs later
- Hedonic Treadmill: We adapt to improvements
- Social Comparison: We benchmark against richer peers
- Present Bias: We overvalue now vs later
2/4 The cycle:
1. Income Increases
2. Hedonic Adaptation (excitement fades)
3. Reference Point Shift (feels "normal")
4. Spending Expands
5. New Baseline Set
1. Income Increases
2. Hedonic Adaptation (excitement fades)
3. Reference Point Shift (feels "normal")
4. Spending Expands
5. New Baseline Set
February 10, 2026 at 2:00 PM
2/4 The cycle:
1. Income Increases
2. Hedonic Adaptation (excitement fades)
3. Reference Point Shift (feels "normal")
4. Spending Expands
5. New Baseline Set
1. Income Increases
2. Hedonic Adaptation (excitement fades)
3. Reference Point Shift (feels "normal")
4. Spending Expands
5. New Baseline Set
4/4 This is a starting point, not gospel. Your actual allocation depends on risk tolerance, other income sources, and timeline.
February 9, 2026 at 2:00 PM
4/4 This is a starting point, not gospel. Your actual allocation depends on risk tolerance, other income sources, and timeline.
3/4 Different versions of the rule:
- Conservative: 100 - age
- Moderate: 110 - age
- Aggressive: 120 - age
- Conservative: 100 - age
- Moderate: 110 - age
- Aggressive: 120 - age
February 9, 2026 at 2:00 PM
3/4 Different versions of the rule:
- Conservative: 100 - age
- Moderate: 110 - age
- Aggressive: 120 - age
- Conservative: 100 - age
- Moderate: 110 - age
- Aggressive: 120 - age
2/4 Why it matters:
Stocks grow faster but crash harder. Bonds are stable but grow slower. As you age, you have less time to recover from crashes.
Stocks grow faster but crash harder. Bonds are stable but grow slower. As you age, you have less time to recover from crashes.
February 9, 2026 at 2:00 PM
2/4 Why it matters:
Stocks grow faster but crash harder. Bonds are stable but grow slower. As you age, you have less time to recover from crashes.
Stocks grow faster but crash harder. Bonds are stable but grow slower. As you age, you have less time to recover from crashes.