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    • About
    • Flow in the Media
    • FAQs
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  • Contact
  • Schedule a Consultation
Schedule a Consultation
Flow Financial Planning, LLC
  • Home
  • About
    • About
    • Flow in the Media
    • FAQs
    • Job Openings
  • What We Do
  • Blog
  • Contact
  • Schedule a Consultation
  • Home
  • About
    • About
    • Flow in the Media
    • FAQs
    • Job Openings
  • What We Do
  • Blog
  • Contact
  • Schedule a Consultation
Schedule a Consultation

Category: Saving and Spending

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  2. Saving and Spending

Should You Move Your Cash to a Different Bank to Get a Higher Interest Rate?

Block Women examining 2 pennies through a magnifying glass

With interest rates now being not-zero, it is very tempting to move our cash all around in order to actually, Finally Lord! get some interest on our cash.

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bank account interest rate saving

Meg’s Musings: Consumption Edition

Several years ago I took my two young daughters and my mother (code name: Grandma) to Disneyland. Those three really wanted to go, and they had a wonderful time.

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consumption creativity musings spending

What Do You Spend Money On? Lessons from Our Clients About Spending that Brings True Joy.

A purple Block Woman jumps for joy with a golden starburst around her head

When we met with our clients this spring, we asked them:

Tell us about something you spent money on in the last year that made you happy. What did you get out of that purchase?

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joyful spending money mindset

What Is a Backdoor Roth IRA (Contribution)? Should I Do it? How Do I Do It?

Flow FP's Block Woman is hit by some tax code changes.

If I had to wager, backdoor Roth IRA contributions are in the top 3 of #personalfinance Slack channel topics.

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Backdoor Roth Backdoor Roth IRA Contribution IRA contributions retirement savings Roth 401(k) Roth Conversion Roth IRA savings strategy

Meg’s Musings: Your Spending Doesn’t Affect Just You.

 

 

Ramit Sethi’s work on the psychology of money, especially around spending, is wonderful and desperately needed. To put it simply: He encourages people to spend more money on the things they love.


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environmental impact musings spending

Is your take-home pay too tiny to live on? That’s okay! We can make it work.

But, Meg, what will I live on?

A delightful and Highly Suspicious client asked me this recently when I was talking with her about not only maxing out her participation in her company’s (Airbnb’s) ESPP but also maxing out her after-tax contributions to her 401(k).

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401(k) cash flow cash flow planning espp HSA RSUs

Meg’s Musings: Thriving in the Time of Covid

We are all emerging from the first “stage” of quarantine. We are also all starting to realize that, contrary to what I assumed back in March, this is all going to take a lot longer than just a few months to fix. 

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financial rules-of-thumb musings reduce spending rule of thumb saving savings strategy spending spending review

Meg’s Musings: (Reducing) Spending Edition

I offer up these thoughts on spending in the spirit of: If it helps, I am happy. If this is not the right time for you to think about such things, please ignore them! The internet is wonderful (and terrible) in that nothing ever disappears. Come back later if you want.

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financial rules-of-thumb musings reduce spending rule of thumb saving savings strategy spending spending review

It’s 20 (40) years until I retire! How do I save and invest for the between-now-and-then? (Video)

We’re pretty good at saving for the long term (retirement). We have our 401(k)s and IRAs. We’re pretty good at saving for now. We have cash in our bank accounts. But what do we do for the *decades* between now and retirement? How do we save and invest for that?

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goals investing saving

Okay, I’ve tracked my spending. But how do I make sense of the data?

Flow FP's block woman has assembled a lot of data, but finds the result confusing.

Tiller. Mint. YNAB. Spreadsheets. Pencil and paper.

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money management spending spending review values

Do Your RSUs Make Your Annual Income Super High? Treat Yourself, Sure, and Also…

 …don’t permanently increase your expenses.

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cash flow cash flow planning income RSU RSUs

I Make So Much Money. This Should Be Easy. Why Am I So Stressed Out? (Video)

It’s easy to think that if you make a lot of money, your financial life should be easy. But if you’re anxious, you have every reason to be! Finances in tech are straight up complicated. And the risks of loss or lost opportunity are real.

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money mindset
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