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. Track everything. Share nothing. Follow for updates, deals and tips. Not financial advice.
What history tells us about long-term investing.
The S&P 500 has averaged about 10% annual returns before inflation (roughly 7% after) since 1928. But that average hides a lot of volatility.
The S&P 500 has averaged about 10% annual returns before inflation (roughly 7% after) since 1928. But that average hides a lot of volatility.
December 26, 2025 at 9:46 PM
What history tells us about long-term investing.
The S&P 500 has averaged about 10% annual returns before inflation (roughly 7% after) since 1928. But that average hides a lot of volatility.
The S&P 500 has averaged about 10% annual returns before inflation (roughly 7% after) since 1928. But that average hides a lot of volatility.
Merry Christmas! Wishing everyone a wonderful day!
If you received some cold hard cash, consider saving and investing part of it before buying that new computer. Ram is becoming an investment these days too 😀
Have a very Merry Christmas! More finance news tomorrow!
If you received some cold hard cash, consider saving and investing part of it before buying that new computer. Ram is becoming an investment these days too 😀
Have a very Merry Christmas! More finance news tomorrow!
December 25, 2025 at 3:00 PM
Merry Christmas! Wishing everyone a wonderful day!
If you received some cold hard cash, consider saving and investing part of it before buying that new computer. Ram is becoming an investment these days too 😀
Have a very Merry Christmas! More finance news tomorrow!
If you received some cold hard cash, consider saving and investing part of it before buying that new computer. Ram is becoming an investment these days too 😀
Have a very Merry Christmas! More finance news tomorrow!
Emergency Fund Size. 3 months or 6 months? The right answer depends on your situation.
3 months may work if you have dual income, stable employment, low expenses, no dependents, a strong family safety net, or good health insurance.
3 months may work if you have dual income, stable employment, low expenses, no dependents, a strong family safety net, or good health insurance.
December 24, 2025 at 3:00 PM
Emergency Fund Size. 3 months or 6 months? The right answer depends on your situation.
3 months may work if you have dual income, stable employment, low expenses, no dependents, a strong family safety net, or good health insurance.
3 months may work if you have dual income, stable employment, low expenses, no dependents, a strong family safety net, or good health insurance.
Trying to time the market usually backfires. Here's why.
$10,000 invested in the S&P 500 for 20 years (2004-2024) becomes $71,750 if you stayed invested. But if you missed just the 10 best days? $32,871. Miss the best 30 days? $10,677.
$10,000 invested in the S&P 500 for 20 years (2004-2024) becomes $71,750 if you stayed invested. But if you missed just the 10 best days? $32,871. Miss the best 30 days? $10,677.
December 24, 2025 at 2:13 AM
Trying to time the market usually backfires. Here's why.
$10,000 invested in the S&P 500 for 20 years (2004-2024) becomes $71,750 if you stayed invested. But if you missed just the 10 best days? $32,871. Miss the best 30 days? $10,677.
$10,000 invested in the S&P 500 for 20 years (2004-2024) becomes $71,750 if you stayed invested. But if you missed just the 10 best days? $32,871. Miss the best 30 days? $10,677.
What you actually pay for that house might surprise you.
A $300,000 loan at 7% interest means you'll pay $719,000 over the life of the loan. That's $419,000 in interest, more than the house itself.
A $300,000 loan at 7% interest means you'll pay $719,000 over the life of the loan. That's $419,000 in interest, more than the house itself.
December 22, 2025 at 1:00 PM
What you actually pay for that house might surprise you.
A $300,000 loan at 7% interest means you'll pay $719,000 over the life of the loan. That's $419,000 in interest, more than the house itself.
A $300,000 loan at 7% interest means you'll pay $719,000 over the life of the loan. That's $419,000 in interest, more than the house itself.
Finance news for the day. DraftKings just launched prediction markets in 38 states.
On December 19, 2025, sports betting giant DraftKings launched "DraftKings Predictions," a federally regulated platform that lets users trade on real-world events.
On December 19, 2025, sports betting giant DraftKings launched "DraftKings Predictions," a federally regulated platform that lets users trade on real-world events.
December 21, 2025 at 8:19 PM
Finance news for the day. DraftKings just launched prediction markets in 38 states.
On December 19, 2025, sports betting giant DraftKings launched "DraftKings Predictions," a federally regulated platform that lets users trade on real-world events.
On December 19, 2025, sports betting giant DraftKings launched "DraftKings Predictions," a federally regulated platform that lets users trade on real-world events.
Debt doesn't just affect your wallet. It affects your mind.
People with debt are 3x more likely to experience depression, anxiety, and stress. Credit card debt hits the hardest, with 52% reporting anxiety.
People with debt are 3x more likely to experience depression, anxiety, and stress. Credit card debt hits the hardest, with 52% reporting anxiety.
December 21, 2025 at 7:28 PM
Debt doesn't just affect your wallet. It affects your mind.
People with debt are 3x more likely to experience depression, anxiety, and stress. Credit card debt hits the hardest, with 52% reporting anxiety.
People with debt are 3x more likely to experience depression, anxiety, and stress. Credit card debt hits the hardest, with 52% reporting anxiety.
Does Money Buy Happiness?? The research is more complicated than the headlines.
You've probably heard that happiness plateaus at $75,000/year. Updated research from 2023 found that's only true for about 15% of people (the unhappiest group).
You've probably heard that happiness plateaus at $75,000/year. Updated research from 2023 found that's only true for about 15% of people (the unhappiest group).
December 20, 2025 at 6:13 PM
Does Money Buy Happiness?? The research is more complicated than the headlines.
You've probably heard that happiness plateaus at $75,000/year. Updated research from 2023 found that's only true for about 15% of people (the unhappiest group).
You've probably heard that happiness plateaus at $75,000/year. Updated research from 2023 found that's only true for about 15% of people (the unhappiest group).
A simple trick that saves tens of thousands.
On a $300,000 mortgage at 6.5%, making one extra payment per year saves you $82,947 in interest and pays off your mortgage about 5 years early.
On a $300,000 mortgage at 6.5%, making one extra payment per year saves you $82,947 in interest and pays off your mortgage about 5 years early.
December 19, 2025 at 1:00 PM
A simple trick that saves tens of thousands.
On a $300,000 mortgage at 6.5%, making one extra payment per year saves you $82,947 in interest and pays off your mortgage about 5 years early.
On a $300,000 mortgage at 6.5%, making one extra payment per year saves you $82,947 in interest and pays off your mortgage about 5 years early.
Credit card rates just hit an all-time high.
The average credit card APR hit 21.4% in 2025. That's up 47% since 2020 and the highest ever recorded.
At that rate, a $5,000 balance paying only minimums takes 17+ years to pay off and costs over $7,500 in interest. More than the original debt.
The average credit card APR hit 21.4% in 2025. That's up 47% since 2020 and the highest ever recorded.
At that rate, a $5,000 balance paying only minimums takes 17+ years to pay off and costs over $7,500 in interest. More than the original debt.
December 18, 2025 at 1:00 PM
Credit card rates just hit an all-time high.
The average credit card APR hit 21.4% in 2025. That's up 47% since 2020 and the highest ever recorded.
At that rate, a $5,000 balance paying only minimums takes 17+ years to pay off and costs over $7,500 in interest. More than the original debt.
The average credit card APR hit 21.4% in 2025. That's up 47% since 2020 and the highest ever recorded.
At that rate, a $5,000 balance paying only minimums takes 17+ years to pay off and costs over $7,500 in interest. More than the original debt.
What does a 1% fee costs you?
A 0.1% fee vs a 1.0% fee doesn't sound like much. But over 30 years, that difference costs you $146,000 on a $100K investment. That's 20% of your wealth gone to fees.
And only 8% of active managers beat index funds over 15 years anyway.
A 0.1% fee vs a 1.0% fee doesn't sound like much. But over 30 years, that difference costs you $146,000 on a $100K investment. That's 20% of your wealth gone to fees.
And only 8% of active managers beat index funds over 15 years anyway.
December 18, 2025 at 4:48 AM
What does a 1% fee costs you?
A 0.1% fee vs a 1.0% fee doesn't sound like much. But over 30 years, that difference costs you $146,000 on a $100K investment. That's 20% of your wealth gone to fees.
And only 8% of active managers beat index funds over 15 years anyway.
A 0.1% fee vs a 1.0% fee doesn't sound like much. But over 30 years, that difference costs you $146,000 on a $100K investment. That's 20% of your wealth gone to fees.
And only 8% of active managers beat index funds over 15 years anyway.
There's a reason wealth "suddenly" takes off.
At $100K invested, a 7% return generates $7,000/year in growth. That's almost as much as a $10K annual contribution. Your money starts pulling its weight.
At $100K invested, a 7% return generates $7,000/year in growth. That's almost as much as a $10K annual contribution. Your money starts pulling its weight.
December 18, 2025 at 4:48 AM
There's a reason wealth "suddenly" takes off.
At $100K invested, a 7% return generates $7,000/year in growth. That's almost as much as a $10K annual contribution. Your money starts pulling its weight.
At $100K invested, a 7% return generates $7,000/year in growth. That's almost as much as a $10K annual contribution. Your money starts pulling its weight.
Today's thought is an interesting one for the aspiring investors: What happens when you panic sell?
In 2024, the S&P 500 returned 25.02%. The average equity investor earned 16.54%. That 8.48% gap is the cost of trying to time the market.
In 2024, the S&P 500 returned 25.02%. The average equity investor earned 16.54%. That 8.48% gap is the cost of trying to time the market.
December 15, 2025 at 1:00 PM
Today's thought is an interesting one for the aspiring investors: What happens when you panic sell?
In 2024, the S&P 500 returned 25.02%. The average equity investor earned 16.54%. That 8.48% gap is the cost of trying to time the market.
In 2024, the S&P 500 returned 25.02%. The average equity investor earned 16.54%. That 8.48% gap is the cost of trying to time the market.
Let's look closer at the topic of the day: Emergency fund reality check.
22% of Americans have no emergency savings at all. Only 39% have the recommended 3-6 months of essential expenses saved.
The right target depends on your situation. Stable job with dual income? 3 months might be enough.
22% of Americans have no emergency savings at all. Only 39% have the recommended 3-6 months of essential expenses saved.
The right target depends on your situation. Stable job with dual income? 3 months might be enough.
December 14, 2025 at 1:00 PM
Let's look closer at the topic of the day: Emergency fund reality check.
22% of Americans have no emergency savings at all. Only 39% have the recommended 3-6 months of essential expenses saved.
The right target depends on your situation. Stable job with dual income? 3 months might be enough.
22% of Americans have no emergency savings at all. Only 39% have the recommended 3-6 months of essential expenses saved.
The right target depends on your situation. Stable job with dual income? 3 months might be enough.
Let's take a look at: Net worth by age in America.
There's a reason we show both median and average. A room with 9 teachers and Jeff Bezos has an "average" net worth of $20 billion. Median is more realistic.
If you're at or above median for your age, you're doing better than most.
There's a reason we show both median and average. A room with 9 teachers and Jeff Bezos has an "average" net worth of $20 billion. Median is more realistic.
If you're at or above median for your age, you're doing better than most.
December 13, 2025 at 1:00 PM
Let's take a look at: Net worth by age in America.
There's a reason we show both median and average. A room with 9 teachers and Jeff Bezos has an "average" net worth of $20 billion. Median is more realistic.
If you're at or above median for your age, you're doing better than most.
There's a reason we show both median and average. A room with 9 teachers and Jeff Bezos has an "average" net worth of $20 billion. Median is more realistic.
If you're at or above median for your age, you're doing better than most.
Our financial overview for Friday! We hope you find it useful. If there's a topic you'd like us to cover, let us know in the comments.
Next up: the cost of waiting to invest.
$200/month invested from age 25 to 65 becomes $622,000. Start at 35? $265,000. Start at 45? $100,000.
Next up: the cost of waiting to invest.
$200/month invested from age 25 to 65 becomes $622,000. Start at 35? $265,000. Start at 45? $100,000.
December 12, 2025 at 1:00 PM
Our financial overview for Friday! We hope you find it useful. If there's a topic you'd like us to cover, let us know in the comments.
Next up: the cost of waiting to invest.
$200/month invested from age 25 to 65 becomes $622,000. Start at 35? $265,000. Start at 45? $100,000.
Next up: the cost of waiting to invest.
$200/month invested from age 25 to 65 becomes $622,000. Start at 35? $265,000. Start at 45? $100,000.
Today's topic: The 50/30/20 rule.
50% to needs. 30% to wants. 20% to savings and debt payoff.
It's a starting framework, not a strict rule. Some people need 60% for needs in high cost-of-living areas. Others can push savings to 30% or more.
50% to needs. 30% to wants. 20% to savings and debt payoff.
It's a starting framework, not a strict rule. Some people need 60% for needs in high cost-of-living areas. Others can push savings to 30% or more.
December 11, 2025 at 1:00 PM
Today's topic: The 50/30/20 rule.
50% to needs. 30% to wants. 20% to savings and debt payoff.
It's a starting framework, not a strict rule. Some people need 60% for needs in high cost-of-living areas. Others can push savings to 30% or more.
50% to needs. 30% to wants. 20% to savings and debt payoff.
It's a starting framework, not a strict rule. Some people need 60% for needs in high cost-of-living areas. Others can push savings to 30% or more.
The hidden cost of subscriptions.
The average American spends $219/month on subscriptions and underestimates by 2.5x. 74% of people forget at least one subscription they're paying for.
The average American spends $219/month on subscriptions and underestimates by 2.5x. 74% of people forget at least one subscription they're paying for.
December 10, 2025 at 2:41 PM
The hidden cost of subscriptions.
The average American spends $219/month on subscriptions and underestimates by 2.5x. 74% of people forget at least one subscription they're paying for.
The average American spends $219/month on subscriptions and underestimates by 2.5x. 74% of people forget at least one subscription they're paying for.
We're going to be sharing some financial tips and education content here! Let us know what topics you'd like to see. First: Where to keep your emergency fund. Trad. savings: 0.5% APY High-yield savings: 4.5% APY That's $600/yr difference on a $15K fund. Same safety. Same access.
December 9, 2025 at 1:00 PM
We're going to be sharing some financial tips and education content here! Let us know what topics you'd like to see. First: Where to keep your emergency fund. Trad. savings: 0.5% APY High-yield savings: 4.5% APY That's $600/yr difference on a $15K fund. Same safety. Same access.
Hey all! Attached is a quick flavor of some of the modules you can add to your dashboard to get a quick feel for your financial all in one screen.
To learn more about what SavePoint can do, and to take control of your finances, visit us at https://savepointfinance.com/
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To learn more about what SavePoint can do, and to take control of your finances, visit us at https://savepointfinance.com/
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December 8, 2025 at 1:00 PM
Hey all! Attached is a quick flavor of some of the modules you can add to your dashboard to get a quick feel for your financial all in one screen.
To learn more about what SavePoint can do, and to take control of your finances, visit us at https://savepointfinance.com/
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To learn more about what SavePoint can do, and to take control of your finances, visit us at https://savepointfinance.com/
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It's official! SavePoint is finally live! After 12 years of building spreadsheets to track our own finances, we finally turned it into real software. What started in 2013 as a simple budget + cash flow sheet is now a full personal finance platform! https://savepointfinance.com
December 7, 2025 at 2:20 PM
It's official! SavePoint is finally live! After 12 years of building spreadsheets to track our own finances, we finally turned it into real software. What started in 2013 as a simple budget + cash flow sheet is now a full personal finance platform! https://savepointfinance.com