As I read this I am left wondering if spending money on getting a bunker built is a good investment since we are close to things spiraling into hell breaking loose in Europe.

Yes, 10% is something we all dream about. Since I have had a pause in my beer consumption I am finding more pennies or cents in my pocket.

I think I should stop myself from accessing information online. Too much of a good thing is bad sometimes LOL.

There is a constant tug that is happening between being sensible and just going hell bent of blowing every bit of cash since today could be your last..

The good wife did something interesting a few months ago. She took the monthly disposable income out of the bank. She started allocatting it to different envelopes. So we had entertainment envelope, fuel envelope, Food Shopping Envelope, etc etc. Whenever we needed anything, we took it out of the appropriate envelope. We were always going over budget.Tapping the card had become too easy. At first I was shock and horrified but I started liking it and it was a good exercise. 

I have a friend who is putting nothing into retirement with the exception of her 401K.  She has a pretty decent savings account that she earns a laughable amount of interest on.  I keep trying to get her to put some of that money into investments so it can work for her.  She likes seeing it in her savings account though and she needs to be ready to take that step.  I can't force her.  I really love that a lot of my secondary investments get taken out pre-tax.  That means I never even see it on my bottom line when I get my check.  Once you get in the habit of it not being there, you don't even miss it.

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I’m glad that the woman has something saved at least! We know too many people with zero savings or retirement accounts. A good friend of mine, or at least was, had no retirement funds but would keep a good amount of cash in his house instead. I tried to get him into crypto and he mocked me saying it was dumb even though he’s pretty decent at tech stuff. I wonder if I should text him and ask him how his financial life is going after me telling him to get into bitcoin was something he ignored lol. 

There’s definitely more people that are into the “spend it” mindset and I think it’s terrible. Good for the people who convince the fools to piss their finances away but bad for the poor saps who don’t realize they need to get their shit together before it’s too late. 

We just had some family that passed away without a penny to their name. Quite sad, and it wasn’t hidden money or anything. They had nothing saved. 

It is the greatest trick convincing people that he doesn’t exist, 100k over here is a lot, are you sure super isn’t in addition to the 100k as we don’t usually quote salary including super. 

>the devil's details...

That's the best title I have seen all day.

Maybe it's because the phrase "protective detail" still rings in my head after seeing the 7 seasons of "blacklist"..

It's sad to see that the system encourages outsourcing our financial security to institutions.

But with the rise of financial education around the globe, I believe things are changing...

Having a plan is better than no plan for sure. Am also very risk averse, but crypto is gradually making me feel like I could get my hands a little more dirty. I'll say she's on track, and if she's lucky to come across crypto in the short term, it'll be a good fit for her long term thinking...if she's willing to taka a little risk

Folks have forgotten how to save money. We feel we need things that honestly we can live without.  Many years ago, when I was living from hand to mouth, I started collecting nickel cans for the deposit. Over a year's time, I saved $600.00.   That taught me that I could save and got me back on track to putting money away.  

But I would never trust a bank for my savings.   The laws in America have changed.   And if a financial institution goes under today, the depositors are left paying the bill.   In 2008 it was a governmental bail out of banks.   If it were done today, it would be the bail in and the depositors would be screwed. 

>Saving is good, but it is a depreciating value against inflation...

It depends on what you invest your savings in. I think the best to protect savings againts inflation is to divide them into different assests, even dividing among cryptocurrencies.

It is good to plan for things in future, but it is according to our capabilities. I agree with you. You should not listen to desires too much. You should arrange things in a timely manner and pay attention to the requirements at the present time.