I'm amazing that out of all the threads in this subforum, there isn't a single one about managing personal finances. Recently, I started putting together spreadsheets where I record my income and expenses. I can say for certain that a lack of financial integrity added extra stress to my life that caused me to PMO. Now I have all my spending and income on record. I've been performing a wide variety of calculations on it, determining where I should spend less, where I could afford to spend more. Along with that I've established some modest financial goals and I am getting close to having a predictable timeline concerning the achievement of those goals. I'm not wasting time reading books in finances or listening to whoever. I can do math - it's my job. And math surrounding money tends to be very simple. But now I am in 100% control of my financial destiny and it is adding an enormous sense of calm and security to my life. You all will be amazing what kind of nonsense you'll find if you start closely monitoring your money. Feel free to add input, but please let's stay away from talking about investment with specificity. I really don't want to read about your stocks, roth-whatevers, 401...things, or your crypto. Let's get a conversation going for the layman just about day to day spending, making, and tracking money. I'd be happy to post a template of my spreadsheets if you're interested!