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.
If you found this helpful, give us a like and stick around for more finance topics. And consider sharing with someone else who might be interested. Thank you for being here and for your support!
December 26, 2025 at 9:46 PM
If you found this helpful, give us a like and stick around for more finance topics. And consider sharing with someone else who might be interested. Thank you for being here and for your support!
Any single year? 73% chance of positive returns. Any 5-yrperiod? 88%. Any 10-year period? 95%. Any 20-yr period? 100% historically.
Short-term returns are unpredictable. But every 20-year period in S&P 500 history has been positive. Time in the market beats timing the market.
Short-term returns are unpredictable. But every 20-year period in S&P 500 history has been positive. Time in the market beats timing the market.
December 26, 2025 at 9:46 PM
Any single year? 73% chance of positive returns. Any 5-yrperiod? 88%. Any 10-year period? 95%. Any 20-yr period? 100% historically.
Short-term returns are unpredictable. But every 20-year period in S&P 500 history has been positive. Time in the market beats timing the market.
Short-term returns are unpredictable. But every 20-year period in S&P 500 history has been positive. Time in the market beats timing the market.
In any single year, returns have ranged from -38% to +52%. Over 5 years, that smooths to around +10%. Over 20 years, it's consistently around +10%.
Here's what matters: the probability of positive returns increases dramatically with time.
Here's what matters: the probability of positive returns increases dramatically with time.
December 26, 2025 at 9:46 PM
In any single year, returns have ranged from -38% to +52%. Over 5 years, that smooths to around +10%. Over 20 years, it's consistently around +10%.
Here's what matters: the probability of positive returns increases dramatically with time.
Here's what matters: the probability of positive returns increases dramatically with time.
If you're asking which to aim for, start with 3 months, then keep going. Most financial emergencies cost more and last longer than expected.
If you found this helpful, give us a like and stick around for more finance topics.
If you found this helpful, give us a like and stick around for more finance topics.
December 24, 2025 at 3:00 PM
If you're asking which to aim for, start with 3 months, then keep going. Most financial emergencies cost more and last longer than expected.
If you found this helpful, give us a like and stick around for more finance topics.
If you found this helpful, give us a like and stick around for more finance topics.
6+ months is better if you're single income, self-employed, work in a volatile industry, have dependents, health concerns, or live in a high cost-of-living area.
The reality check: 44% of Americans cannot cover a $1,000 emergency, and the average job search takes 5 months.
The reality check: 44% of Americans cannot cover a $1,000 emergency, and the average job search takes 5 months.
December 24, 2025 at 3:00 PM
6+ months is better if you're single income, self-employed, work in a volatile industry, have dependents, health concerns, or live in a high cost-of-living area.
The reality check: 44% of Americans cannot cover a $1,000 emergency, and the average job search takes 5 months.
The reality check: 44% of Americans cannot cover a $1,000 emergency, and the average job search takes 5 months.
almost certainly miss the recovery.
Stay invested through volatility.
If you found this helpful, give us a like and stick around for more finance topics. And consider sharing with someone else who might be interested. Thank you for being here and for your support!
Stay invested through volatility.
If you found this helpful, give us a like and stick around for more finance topics. And consider sharing with someone else who might be interested. Thank you for being here and for your support!
December 24, 2025 at 2:13 AM
almost certainly miss the recovery.
Stay invested through volatility.
If you found this helpful, give us a like and stick around for more finance topics. And consider sharing with someone else who might be interested. Thank you for being here and for your support!
Stay invested through volatility.
If you found this helpful, give us a like and stick around for more finance topics. And consider sharing with someone else who might be interested. Thank you for being here and for your support!
That's 54% of your potential gains gone by missing just 10 days over 20 years.
Here's the kicker: the best days often come right after the worst days. Six of the 10 best days occurred within two weeks of the 10 worst days. If you panic sell during a downturn, you...
Here's the kicker: the best days often come right after the worst days. Six of the 10 best days occurred within two weeks of the 10 worst days. If you panic sell during a downturn, you...
December 24, 2025 at 2:13 AM
That's 54% of your potential gains gone by missing just 10 days over 20 years.
Here's the kicker: the best days often come right after the worst days. Six of the 10 best days occurred within two weeks of the 10 worst days. If you panic sell during a downturn, you...
Here's the kicker: the best days often come right after the worst days. Six of the 10 best days occurred within two weeks of the 10 worst days. If you panic sell during a downturn, you...
If you found this helpful, give us a like and stick around for more finance topics. And consider sharing with someone else who might be interested. Thank you for being here and for your support!
#PersonalFinance #Mortgage #HomeBuying #MoneyTips #FinancialLiteracy
December 22, 2025 at 1:00 PM
If you found this helpful, give us a like and stick around for more finance topics. And consider sharing with someone else who might be interested. Thank you for being here and for your support!
#PersonalFinance #Mortgage #HomeBuying #MoneyTips #FinancialLiteracy
In year one, about 82% of your payment goes to interest. You're barely touching the principal. It takes nearly 20 years before more of your payment goes to principal than interest.
A 15-year mortgage on the same loan saves you $233,160 in interest, if you can swing the higher payments.
December 22, 2025 at 1:00 PM
In year one, about 82% of your payment goes to interest. You're barely touching the principal. It takes nearly 20 years before more of your payment goes to principal than interest.
A 15-year mortgage on the same loan saves you $233,160 in interest, if you can swing the higher payments.
#DraftKings #PredictionMarkets #SportsBetting #BreakingNews #Finance #Trading #Kalshi #CFTC #EventContracts #Texas #California #Florida #Georgia #FinTech #GamingIndustry #FinancialNews #MoneyManagement #InvestmentNews #WealthBuilding #MarketNews #BusinessNews #SportsNews
December 21, 2025 at 8:19 PM
...states that haven't legalized sports betting.
This is a big deal for the gambling and financial industries. Watch this space. We will be sharing some information on these prediction markets over the next week.
This is a big deal for the gambling and financial industries. Watch this space. We will be sharing some information on these prediction markets over the next week.
December 21, 2025 at 8:19 PM
...states that haven't legalized sports betting.
This is a big deal for the gambling and financial industries. Watch this space. We will be sharing some information on these prediction markets over the next week.
This is a big deal for the gambling and financial industries. Watch this space. We will be sharing some information on these prediction markets over the next week.
The significance? DraftKings and FanDuel both LEFT the American Gaming Association to pursue prediction markets. That signals a major industry shift.
Traditional sports betting is regulated state-by-state. Prediction markets are federally regulated and can operate in...
December 21, 2025 at 8:19 PM
The significance? DraftKings and FanDuel both LEFT the American Gaming Association to pursue prediction markets. That signals a major industry shift.
Traditional sports betting is regulated state-by-state. Prediction markets are federally regulated and can operate in...
Here's what you need to know:
- 17 states get full access (sports + finance)
- 21 states get finance-only contracts
- Big states like Texas, California, Florida, and Georgia now have access
- Regulated by the CFTC, not state gaming commissions
- Partners with CME Group exchange
- 17 states get full access (sports + finance)
- 21 states get finance-only contracts
- Big states like Texas, California, Florida, and Georgia now have access
- Regulated by the CFTC, not state gaming commissions
- Partners with CME Group exchange
December 21, 2025 at 8:19 PM
Here's what you need to know:
- 17 states get full access (sports + finance)
- 21 states get finance-only contracts
- Big states like Texas, California, Florida, and Georgia now have access
- Regulated by the CFTC, not state gaming commissions
- Partners with CME Group exchange
- 17 states get full access (sports + finance)
- 21 states get finance-only contracts
- Big states like Texas, California, Florida, and Georgia now have access
- Regulated by the CFTC, not state gaming commissions
- Partners with CME Group exchange
If you're dealing with this, you're not alone.
If you found this helpful, give us a like and stick around for more finance topics. And consider sharing with someone else who might be interested. Thank you for being here and for your support!
December 21, 2025 at 7:28 PM
If you're dealing with this, you're not alone.
If you found this helpful, give us a like and stick around for more finance topics. And consider sharing with someone else who might be interested. Thank you for being here and for your support!