Hyena Finance
@hyenafinance.bsky.social
Some furry yapping about personal finance! Header by @saltscp.bsky.social
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Hyena Finance
@hyenafinance.bsky.social
· Dec 20
Hey everyone, Shadow the hyena here!
Welcome to my page where I give out tips and talk about all things personal finance such as credit cards, banking, investing, 401k, IRA’s and more. Hoping make people’s lives easier while cutting through the ever confusing and misleading information of money!
Welcome to my page where I give out tips and talk about all things personal finance such as credit cards, banking, investing, 401k, IRA’s and more. Hoping make people’s lives easier while cutting through the ever confusing and misleading information of money!
Oh wow didn’t realize I haven’t posted for 6 months on this account! I’ll try to do better.
Anyway happy Friday everyone!
Anyway happy Friday everyone!
October 17, 2025 at 4:05 PM
Oh wow didn’t realize I haven’t posted for 6 months on this account! I’ll try to do better.
Anyway happy Friday everyone!
Anyway happy Friday everyone!
Current priority if you’re able to is making sure you have 6-12 months of living expenses saved in a HYSA.
April 7, 2025 at 7:21 PM
Current priority if you’re able to is making sure you have 6-12 months of living expenses saved in a HYSA.
People: The market is tanking! Everyone panic!
Me: Market is tanking, I’m gonna increase my contributions.
Me: Market is tanking, I’m gonna increase my contributions.
April 4, 2025 at 2:17 PM
People: The market is tanking! Everyone panic!
Me: Market is tanking, I’m gonna increase my contributions.
Me: Market is tanking, I’m gonna increase my contributions.
Man I sure picked a great time to create an account to talk to people how investing in the global the stock market is important! 😅
March 19, 2025 at 5:22 PM
Man I sure picked a great time to create an account to talk to people how investing in the global the stock market is important! 😅
Reposted by Hyena Finance
PLEASE choose a bank that will treat you better than your local brick and mortar bank that wants to screw you over with BS fees and low to zero interest rates!
All these banks are very reputable.
All these banks are very reputable.
February 13, 2025 at 7:19 PM
PLEASE choose a bank that will treat you better than your local brick and mortar bank that wants to screw you over with BS fees and low to zero interest rates!
All these banks are very reputable.
All these banks are very reputable.
Reposted by Hyena Finance
www.irs.gov/filing/irs-f...
You can still file your 2024 taxes for free with the IRS free file! It’s still up!!!
You can still file your 2024 taxes for free with the IRS free file! It’s still up!!!
IRS Free File: Do your taxes for free | Internal Revenue Service
Prepare and file your federal income tax return online for free. File at an IRS partner site with the IRS Free File Program or use Free File Fillable Forms. It's safe, easy and no cost to you.
www.irs.gov
February 13, 2025 at 10:45 PM
www.irs.gov/filing/irs-f...
You can still file your 2024 taxes for free with the IRS free file! It’s still up!!!
You can still file your 2024 taxes for free with the IRS free file! It’s still up!!!
www.irs.gov/filing/irs-f...
You can still file your 2024 taxes for free with the IRS free file! It’s still up!!!
You can still file your 2024 taxes for free with the IRS free file! It’s still up!!!
IRS Free File: Do your taxes for free | Internal Revenue Service
Prepare and file your federal income tax return online for free. File at an IRS partner site with the IRS Free File Program or use Free File Fillable Forms. It's safe, easy and no cost to you.
www.irs.gov
February 13, 2025 at 10:45 PM
www.irs.gov/filing/irs-f...
You can still file your 2024 taxes for free with the IRS free file! It’s still up!!!
You can still file your 2024 taxes for free with the IRS free file! It’s still up!!!
PLEASE choose a bank that will treat you better than your local brick and mortar bank that wants to screw you over with BS fees and low to zero interest rates!
All these banks are very reputable.
All these banks are very reputable.
February 13, 2025 at 7:19 PM
PLEASE choose a bank that will treat you better than your local brick and mortar bank that wants to screw you over with BS fees and low to zero interest rates!
All these banks are very reputable.
All these banks are very reputable.
Reposted by Hyena Finance
February 7, 2025 at 3:10 PM
LRT:
I remember my friend and I coincidentally got into investing around the same time. I was focusing on index funds and a Roth IRA and he was doing day trading. I asked him if he was going to start a 401k because his job offered it.
He told me
“I dunno, how do I know if I can trust it?”
😑
I remember my friend and I coincidentally got into investing around the same time. I was focusing on index funds and a Roth IRA and he was doing day trading. I asked him if he was going to start a 401k because his job offered it.
He told me
“I dunno, how do I know if I can trust it?”
😑
February 7, 2025 at 7:17 PM
LRT:
I remember my friend and I coincidentally got into investing around the same time. I was focusing on index funds and a Roth IRA and he was doing day trading. I asked him if he was going to start a 401k because his job offered it.
He told me
“I dunno, how do I know if I can trust it?”
😑
I remember my friend and I coincidentally got into investing around the same time. I was focusing on index funds and a Roth IRA and he was doing day trading. I asked him if he was going to start a 401k because his job offered it.
He told me
“I dunno, how do I know if I can trust it?”
😑
Reposted by Hyena Finance
ALSO THIS.
Invest.
I have a Roth IRA. It withdraws a set amount from my checking account monthly and auto-invests it.
Me, the fucking cartoonist.
So you can do this, too.
Invest.
I have a Roth IRA. It withdraws a set amount from my checking account monthly and auto-invests it.
Me, the fucking cartoonist.
So you can do this, too.
And if you are in the position to have any savings at all, index funds!
February 4, 2025 at 8:43 PM
ALSO THIS.
Invest.
I have a Roth IRA. It withdraws a set amount from my checking account monthly and auto-invests it.
Me, the fucking cartoonist.
So you can do this, too.
Invest.
I have a Roth IRA. It withdraws a set amount from my checking account monthly and auto-invests it.
Me, the fucking cartoonist.
So you can do this, too.
Reposted by Hyena Finance
A Roth IRA is a retirement account that you can open at a bank of your choosing and that you put money into, instead of your work shaving off part of your paycheck to set aside. You can have one on top of a 401k. They’re recommended to younger people for several reasons:
If you’re over 30, quote this with some life advice 🤌🏼
February 6, 2025 at 8:53 PM
A Roth IRA is a retirement account that you can open at a bank of your choosing and that you put money into, instead of your work shaving off part of your paycheck to set aside. You can have one on top of a 401k. They’re recommended to younger people for several reasons:
You’re probably seeing a lot of news about the financial markets recently with hearing what is going to happen. “Invest in foreign stocks! The US is doomed! Market crash is coming!”
Do let all this noise influence your contribution amounts to your retirement accounts, it’ll pass.
Do let all this noise influence your contribution amounts to your retirement accounts, it’ll pass.
February 5, 2025 at 10:06 PM
You’re probably seeing a lot of news about the financial markets recently with hearing what is going to happen. “Invest in foreign stocks! The US is doomed! Market crash is coming!”
Do let all this noise influence your contribution amounts to your retirement accounts, it’ll pass.
Do let all this noise influence your contribution amounts to your retirement accounts, it’ll pass.
Reposted by Hyena Finance
I've seen posts that Direct File, the free public tax preparation program, is "deleted," based on a Musk tweet.
Right now, Direct File is still live and still awesome: directfile.irs.gov
(It is so bad that an unelected person's tweet plausibly means a government program has ceased to exist.)
Right now, Direct File is still live and still awesome: directfile.irs.gov
(It is so bad that an unelected person's tweet plausibly means a government program has ceased to exist.)
directfile.irs.gov
February 3, 2025 at 8:49 PM
I've seen posts that Direct File, the free public tax preparation program, is "deleted," based on a Musk tweet.
Right now, Direct File is still live and still awesome: directfile.irs.gov
(It is so bad that an unelected person's tweet plausibly means a government program has ceased to exist.)
Right now, Direct File is still live and still awesome: directfile.irs.gov
(It is so bad that an unelected person's tweet plausibly means a government program has ceased to exist.)
Tune out what you can’t control:
“The stock market took a hit!”
“The fed isn’t lowering rates!”
This noise won’t meaningfully affect you in the long run.
Focus on what you can control:
Your investment fees, your contribution rate, investing/saving automatically, your emergency fund amount.
“The stock market took a hit!”
“The fed isn’t lowering rates!”
This noise won’t meaningfully affect you in the long run.
Focus on what you can control:
Your investment fees, your contribution rate, investing/saving automatically, your emergency fund amount.
January 30, 2025 at 2:15 PM
Tune out what you can’t control:
“The stock market took a hit!”
“The fed isn’t lowering rates!”
This noise won’t meaningfully affect you in the long run.
Focus on what you can control:
Your investment fees, your contribution rate, investing/saving automatically, your emergency fund amount.
“The stock market took a hit!”
“The fed isn’t lowering rates!”
This noise won’t meaningfully affect you in the long run.
Focus on what you can control:
Your investment fees, your contribution rate, investing/saving automatically, your emergency fund amount.
Reposted by Hyena Finance
How do you tell if you have a good or bad 401k?
EXPENSE RATIO!
Generally, for 401ks if the expense ratio of the fund is under <.5% for something like a Total Stock Market Fund or Target Date Fund that’s good!
Even if you have a higher expense ratio your 401k Match is free money, don’t skip out!
EXPENSE RATIO!
Generally, for 401ks if the expense ratio of the fund is under <.5% for something like a Total Stock Market Fund or Target Date Fund that’s good!
Even if you have a higher expense ratio your 401k Match is free money, don’t skip out!
January 25, 2025 at 2:41 PM
How do you tell if you have a good or bad 401k?
EXPENSE RATIO!
Generally, for 401ks if the expense ratio of the fund is under <.5% for something like a Total Stock Market Fund or Target Date Fund that’s good!
Even if you have a higher expense ratio your 401k Match is free money, don’t skip out!
EXPENSE RATIO!
Generally, for 401ks if the expense ratio of the fund is under <.5% for something like a Total Stock Market Fund or Target Date Fund that’s good!
Even if you have a higher expense ratio your 401k Match is free money, don’t skip out!
How do you tell if you have a good or bad 401k?
EXPENSE RATIO!
Generally, for 401ks if the expense ratio of the fund is under <.5% for something like a Total Stock Market Fund or Target Date Fund that’s good!
Even if you have a higher expense ratio your 401k Match is free money, don’t skip out!
EXPENSE RATIO!
Generally, for 401ks if the expense ratio of the fund is under <.5% for something like a Total Stock Market Fund or Target Date Fund that’s good!
Even if you have a higher expense ratio your 401k Match is free money, don’t skip out!
January 25, 2025 at 2:41 PM
How do you tell if you have a good or bad 401k?
EXPENSE RATIO!
Generally, for 401ks if the expense ratio of the fund is under <.5% for something like a Total Stock Market Fund or Target Date Fund that’s good!
Even if you have a higher expense ratio your 401k Match is free money, don’t skip out!
EXPENSE RATIO!
Generally, for 401ks if the expense ratio of the fund is under <.5% for something like a Total Stock Market Fund or Target Date Fund that’s good!
Even if you have a higher expense ratio your 401k Match is free money, don’t skip out!
In my early 20’s I had a lot of anxiety around money even though I was saving.
It’s only once I started investing and seeing my returns is when I realized I would be fine!
Now at 30 I go out to eat, buy magics cards, go to cons without much worry because I’m investing every month automatically!
It’s only once I started investing and seeing my returns is when I realized I would be fine!
Now at 30 I go out to eat, buy magics cards, go to cons without much worry because I’m investing every month automatically!
January 24, 2025 at 9:13 PM
In my early 20’s I had a lot of anxiety around money even though I was saving.
It’s only once I started investing and seeing my returns is when I realized I would be fine!
Now at 30 I go out to eat, buy magics cards, go to cons without much worry because I’m investing every month automatically!
It’s only once I started investing and seeing my returns is when I realized I would be fine!
Now at 30 I go out to eat, buy magics cards, go to cons without much worry because I’m investing every month automatically!
New header for this page drawn by @saltscp.bsky.social thank you so much!!
January 24, 2025 at 7:35 PM
New header for this page drawn by @saltscp.bsky.social thank you so much!!
Going to Further Confusion in a few days! Can’t wait to update my wardrobe with tons of furry shirts.
January 14, 2025 at 8:58 PM
Going to Further Confusion in a few days! Can’t wait to update my wardrobe with tons of furry shirts.
The reason my so fanatical about helping friends with personal finance is once you put in the little bit of leg work to get started you DONT have to spend all your time and energy thinking about it. You can set everything up to be automatic, and know you’re going to be better off than most.
January 11, 2025 at 2:56 PM
The reason my so fanatical about helping friends with personal finance is once you put in the little bit of leg work to get started you DONT have to spend all your time and energy thinking about it. You can set everything up to be automatic, and know you’re going to be better off than most.
Reposted by Hyena Finance
Hey, US residents : Biden got it passed, despite the companies lobbying & pushing their products to charge you for tax prep!
www.irs.gov/filing/irs-f...
If your AGI is under $84k, you can direct file with the IRS FOR FREE!
www.irs.gov/filing/irs-f...
If your AGI is under $84k, you can direct file with the IRS FOR FREE!
IRS Free File: Do your taxes for free | Internal Revenue Service
Prepare and file your federal income tax return online for free. File at an IRS partner site with the IRS Free File Program or use Free File Fillable Forms. It's safe, easy and no cost to you.
www.irs.gov
January 9, 2025 at 11:54 AM
Hey, US residents : Biden got it passed, despite the companies lobbying & pushing their products to charge you for tax prep!
www.irs.gov/filing/irs-f...
If your AGI is under $84k, you can direct file with the IRS FOR FREE!
www.irs.gov/filing/irs-f...
If your AGI is under $84k, you can direct file with the IRS FOR FREE!
What’s a money habit you used to do or believe but you don’t anymore?
During my first jobs before I had set up direct deposit my close friend and I would actually brag about how many of our paychecks we hadn’t cashed yet. We saw it as a source of pride because we didn’t need the money yet.
During my first jobs before I had set up direct deposit my close friend and I would actually brag about how many of our paychecks we hadn’t cashed yet. We saw it as a source of pride because we didn’t need the money yet.
January 9, 2025 at 7:07 PM
What’s a money habit you used to do or believe but you don’t anymore?
During my first jobs before I had set up direct deposit my close friend and I would actually brag about how many of our paychecks we hadn’t cashed yet. We saw it as a source of pride because we didn’t need the money yet.
During my first jobs before I had set up direct deposit my close friend and I would actually brag about how many of our paychecks we hadn’t cashed yet. We saw it as a source of pride because we didn’t need the money yet.