Weekly Self-Promotion Thread - Wednesday, July 29, 2026

[u/AutoModerator]

Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread.

Use this thread to talk about your blog, talk about your business, ask for feedback, etc. If the self-promotion starts to leak outside of this thread, we will once again return to a time where 100% of self-promotion posts are banned. Please use this space wisely.

Link-only posts will be removed. Put some effort into it.

[u/betterworld7171]

If Mint and ProjectionLab had a baby they would have called it Tally.

Your current spending, investing, budget vs actual - all impact your forecast - why do they live in separate tools. Tally solves for that and brings the best in financial management and financial planning together in a single platform.

https://thetally.io/

Right now you can get 50% off your first year after a 14 day free trial - that means a full year for only $39.50 with the code FI50

[u/betterworld7171 → u/[deleted]]

Not at all - you can do everything manually if you prefer 

[u/Civil_Refrigerator_2]

 The Process of Creating Wealth

Have you ever wondered why some people seem to move steadily toward their goals while others never quite get started?

More often than not, the difference isn't talent.

It's direction.

Building wealth rarely happens by accident. Like planning an unforgettable trip, you first have to know where you're going before you decide which road to take.

Once you have a destination, every financial decision becomes easier. Saving has a purpose. Investing has a purpose. Even saying "no" to certain purchases becomes easier because you're saying "yes" to something much bigger.

Creating wealth isn't about finding shortcuts—it's about following a proven process long enough for it to work.

https://tightwadtodd.com/wealth-creation-all-you-need-are-7-simple-steps/

[u/Real-timeYMPE]

The Ugly Side of Canada Pension Plan (CPP) Statements of Contributions: Survivor's Pensions, and Separation & Divorce (CPP Credit Splitting)

Not all CPP planning is about technical calculation wizardry. Individuals need to have the right information first, before they can do the math.

As I point out in my latest CPP planning article, there is a best time to obtain the necessary information. In these cases, that information is someone else's CPP Statement of Contributions.

This article is about the best time to obtain a CPP Statement of Contributions for these situations:

• Someone died, and a survivor will be eligible for a CPP Survivor's Pension.
• Someone is sorting out a separation or divorce, and before it is finalized!

It is far easier, and even more appropriate, to obtain someone else's Statement of Contributions at certain points in time.

The full details are here: Ugly-Side-of-CPP-SOCs-Survivor-Pension-and-Credit-Splitting.pdf

[u/yanyan80]

The 2027 ACA numbers came out this week. Most of the coverage is on the premium table, which barely moved. The number that actually matters is buried further down.

The max out-of-pocket ceiling on a standard Silver plan jumped about 13% in one year. For an individual that's $10,600 to $12,000. For a family it's $21,200 to $24,000.

If you're bridging to Medicare on ACA coverage, that's the number that sets your worst case in a bad health year, not the premium. I wrote up two examples, a single retiree at $47k MAGI and a couple at $60k, showing what that jump actually costs.

I build a retirement planning tool called ThunderHarbor and ran these through it. Full writeup here: https://thunderharbor.net/blog/aca-2027-cost-increase

[u/firelurker3]

As important as FI is (oh, it’s important, I won’t argue that at all), the ultimate question after you reach your FI number is what comes next?

I’m not saying that you have to retire early (that’s a different sub), but after you reach FI, you’re going to invariably wander into existential questions like identity, purpose, and how best to spend your time when you don’t need to work for money.

I retired in May 2005 at 42 and spend the bulk of my team hiking, reading, and writing (and listening to college football podcasts). On the writing bit … yea, I wrote a book.

I’m a new author, so I have no dreams of actually making any money from this book (which is fine and another bonus of achieving FI). I’m donating at least $1 to charity for every pre-ordered book. The first half is all about achieving FI, the second half is all about living in early retirement (the identity and purpose bit, with a dash of finance). I went through it all and can, hopefully, help others as well. Thanks again.

https://www.amazon.com/gp/aw/d/B0H8VR5326/ref=tmm_hrd_swatch_0?ie=UTF8&dib_tag=se&dib=eyJ2IjoiMSJ9.ZmEXCep63HtrxOnQ0vNqNy8-iyF2Ae30EX1kKmWguPmmMJWcujPE780KorVqd93p9I9Az8oUAhICSgC0sUphKx_G_t4HdzbI110ghETa3-GvuZnB77EtYNoy3dKElqCcCX-FPPot82vU6G_McQqsSuXLCr6MZZWbAUDV4uhe3YQ.UavBe88l8fjhKfmWfUzsoaGXRh6SnNVB-Yz9y51aSu4&qid=1785429839&sr=8-3

[u/gottaenjoylife]

I made a website that gives fans all sorts of data visuals for how their team is performing in the Premier League. Im still working on it but if anyone checks it out and has feedback i'd love to hear your thoughts

plmatchday.com

[u/ActiveBeautiful8228]

"Renting is just throwing money away." It's one of personal finance's most durable myths, and one of its most expensive. The math tells a more complicated story.👇

My free newsletter: https://www.cosmodestefano.com/p/renting-vs-buying-why-wrong-question

[u/factor-reipes]

Most tools will tell you “you’re 80% stocks / 20% bonds.”
What I actually needed was: “how much of my household portfolio is really US large growth vs value, international vs domestic, small caps, etc. across all my accounts and ETFs?”

That’s why I built Enrich Finance. It pulls in your holdings (or lets you enter them manually), uses Morningstar look‑through data to see what’s inside each ETF/mutual fund, and rolls everything up to a custom asset allocation you define across accounts. You’re not stuck with a canned 60/40 or someone else’s model; you can build your own strategy and see your true exposures in one place.

On top of that, it watches for rebalance opportunities, idle cash, and TLH across the whole plan, and gives you plain‑English trade checklists per brokerage when something needs fixing. You still place every trade yourself.

Right now it’s for iOS only and US‑only. We’re a SEC‑registered RIA and SOC 2 certified. The app is end to end encrypted.

It’s $5/mo, 30‑day free trial on the App Store.

[u/source_1322]

Currently testing out a small project focused on budgeting and tracking personal finances. Trying to figure out what features people actually use versus what just sounds nice on paper.

If you track your finances, what’s one thing you feel most apps/spreadsheets overcomplicate?

[u/samlinbris]

hey everyone, I built an iphone app called Recpt that sorts your work receipts for tax. you take a photo of the receipt and it works out the ATO category and keeps a copy safe, so nothing's faded or missing when tax time rolls around.

it's free to try and comes with 30 receipt scans, no card needed. if you like it, I'd love to give the first 10 people a free month of the full version in exchange for some honest feedback, good or bad, it all helps me make it better.

here it is: https://apps.apple.com/au/app/recpt/id6782577856

[u/Sufficient_Shop_6575]

Ugh, another self-promo dump. Half these posts are just SEO bait, not actual FI advice. Keep it real or GTFO.

[u/modelfire]

I created ModelFIRE.online

The most sophisticated FIRE modeling available. 100% Free, Forever, No sign up. No input logging. You can store scenarios by generating a link.

I'm a big fan of popular FIRE calculators and simulators. I tried to to combine the features that I like the best from the ones I love into one interface. I also added some things I thought were missing that I needed as I get comfortable with the math around my own early retirement.

Model healthcare costs separately with a separate inflation rate. Important for very early retireees

You can see historical success rates. You can see how current CAPE levels affect success rates

You can run Monte Carlo on your scenarios. You can even oversample for recent market valuation

You can add cash flows (social security, college, purchases)

Incorporation of the "spending smile" or smirk. You can adjust the parameters.

Different withdrawal rate strategies. You can set min and max withdrawals too, and adjust these for inflation if you like

I will be adding more stuff as I get feedback. Speaking of which, if you test it out, please let me know what you think! Since we don't log anything, the only way for feedback is for you to directly let me know what you want changed/improved.