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.
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.
Modules include:
-Monthly income, expenses, net worth, savings rate
-Recent Transactions
-Snapshot of your Account Balances
-Financial Health Score
-Income vs Expenses Waterfall Chart
-Savings Rate Tracker
-Income & Expense Distribution
Visit us at https://savepointfinance.com/
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-Monthly income, expenses, net worth, savings rate
-Recent Transactions
-Snapshot of your Account Balances
-Financial Health Score
-Income vs Expenses Waterfall Chart
-Savings Rate Tracker
-Income & Expense Distribution
Visit us at https://savepointfinance.com/
2/3
December 8, 2025 at 1:00 PM
Modules include:
-Monthly income, expenses, net worth, savings rate
-Recent Transactions
-Snapshot of your Account Balances
-Financial Health Score
-Income vs Expenses Waterfall Chart
-Savings Rate Tracker
-Income & Expense Distribution
Visit us at https://savepointfinance.com/
2/3
-Monthly income, expenses, net worth, savings rate
-Recent Transactions
-Snapshot of your Account Balances
-Financial Health Score
-Income vs Expenses Waterfall Chart
-Savings Rate Tracker
-Income & Expense Distribution
Visit us at https://savepointfinance.com/
2/3
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/
1/3
To learn more about what SavePoint can do, and to take control of your finances, visit us at https://savepointfinance.com/
1/3
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/
1/3
To learn more about what SavePoint can do, and to take control of your finances, visit us at https://savepointfinance.com/
1/3
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