“My 1% better will hopefully be more like 100% better for my children. Money was never really discussed growing up in my parents’ house. There always seemed to be a mentality of just save as much as possible in a savings account or maybe a CD if you got fancy. Investing in the stock market was only for the foolish or the rich.

I want my children to have a better understanding and after reading "Why Does the Stock Market Go Up?" by Brian Feroldi I knew that they would be ahead of over 90% of adults if they could learn some of the key concepts. They are 14 & 16 and money motivated so I offered them $50 plus a $20 bonus question if they would read most of the book and fill out this worksheet I created. Mission accomplished!!”

- Ben

“My 1%: I invested my first $3000 into VTSAX. I'm 21 years old, and very grateful that I've learned about FIRE/FI this early on in my life.”

- Anna

“What made my life 1% better this week was getting a notification that my Social Security Number was found on the dark web from a cyberattack at my old university as they still had my data lying around. I had heard about freezing my credit as a norm from podcasts like yours, so I finally took the time to freeze my credit with all three credit bureaus.

It was incredibly easy and liberating - I feel like I am 1% safer against things like identity theft. Additionally, I created a "mySocial Security" account to claim my SSN, hopefully deterring other accounts being made with my number.”

- Michael

“I'm a long time listener and fan of your show and use it as motivation to stay on track with my personal finance goals. One of those goals (that I wrote down back when I graduated from college) was to become a millionaire by 30. With yesterday's big market rally, my wife and I just surpassed that goal and hit $1.01M net worth before turning 30!

I realize that we have a long time horizon and that the market will fluctuate and that $1M doesn't really change anything for us or our plans, BUT it is nice to cross it off the list and see two commas and get a benchmark that we're heading in the right direction. Thanks for all that you do for the community.”

- Roberto

“My 1% is simplifying my budget so it won't take as much time. I use YNAB, which has envelope categories for the budget and reports. It had grown to about 40 categories, so pretty much every transaction had to be split between categories, taking up extra time.

So I used the "fresh start" option to archive my existing data and make a new copy of the budget, then started merging similar categories until I only had 15. Now a trip to the grocery store will usually be just one category, so the auto-assign feature will work better. I have less detailed data now, but given how rarely I look at spending reports, the time saved is worth it. Plus, the data will be more accurate since I'll make fewer mistakes!”

- Ben

“I'm pregnant and have been noticing I'm starting to need bigger clothes. Maternity clothes are ridiculously expensive, even when they are on sale right now. It pains me to buy these for such a short period. I did some Google searching and a lot of women suggested you don't need maternity clothes, just larger sizes. I went to Goodwill and bought 6 larger shirts for $40. The tops I was looking at were around $15-20 each. Major cash savings!”

- Annie

“My 1% better was a series of actions over the last few months that led to a pay raise. I listened to the episode about asking for a pay increase a few months ago. Since then, I've engaged in conversations with my boss about opportunities to contribute more to our team and receive added responsibilities. This led up to an opportunity to ask for a raise. Today, my increase in pay was finalized and approved! My salary is increasing on January 1, 2024 by 28% and when considering a bonus my total compensation is increasing nearly 35% from simply asking. The worst that could've happened was receiving a no, but I'm so grateful I took action. It will be a blessing to my family as we continue our journey to FI.”

- Jacob