u/HoodFeelGood

It seems like Monarch really expects you to transfer money toward a Goal. I don't think or care about my accounts in that way. Sometimes I move excess cash from one brokerage to another one in order to buy some bonds or CDs. Sometimes I move excess cash from that account to my bank in order to buy a CD. Sometimes I move cash around into different bank accounts to ensure there's enough for an upcoming large credit card payment following a trip.

Understanding the money I have is an abstraction on top of my various accounts. I know I have $X money and it doesn't matter to me which accounts they are in.

Goals doesn't seem to work properly unless I've specifically allocated a certain amount of money in a certain account toward a specific Goal. If I move a chunk to another account for reasons, then I've no longer allocated money toward that Goal.

Does anyone have success working with Goals despite treating their accounts as fungible?

Through a long time of tracking transactions, I understand my routine monthly income and expenses, and have it fully categorized and budgeted in Monarch. This even includes non-monthly but predictable expenses such as bi-annual HOA payments.

If that was all I had, I guess I'd be able to understand my monthly savings. I could basically subtract the expenses from the income, and consider the $1000 transfer transaction that is sent to Fidelity.

However, it's non-routine transactions that soil it. For example, over the past year I've been earmarking some of my savings and proceeds from stock sales for a new car purchase for my son. I just bought it, writing a check for $25k. I categorized that transaction as "Car Payment", the same as I do my other monthly car payment. Similarly, I earmark money toward trips and college tuition. All these irregular transactions that are paid from earmarked money and not from monthly cash flow make it difficult to (a) understand the monthly savings and (b) understand if my earmarks are properly aligned to future goals.

I suppose the Goals feature of Monarch could help with the latter, although I'm finding it intuitive. How do you handle the former?

My purpose in trying to understand the monthly savings is twofold: (a) to ensure I'm spending within my means and (b) to help predict whether I'll be able to meet my future earmarking goals that are partially coming from monthly savings and partially coming from stock sales that are not tracked within Monarch.

It's disingenuous to show under the "My Services" items that are only available for Rent. When we mean our services, we mean available for streaming without any additional money on the services we already pay for.

This screenshot shows it all. The Total Spending shows $0 when clearly there are transactions. I've seen several reports about fixing the Summary box. Are y'all actually working on this?

https://preview.redd.it/nwkxlty3prjh1.png?width=1905&format=png&auto=webp&s=6c46fd9fa916218efc2039adcf93e1e4e033cf99

I have a Boss GX-10. I'm a novice. I'm finding various patches for download that I want to try out. What's the exact workflow for finding and downloading them on PC, but then ultimately using them from my phone (via bluetooth adapter)?

I think it's something like:

1. Find them, download them
2. Import as Liveset into Boss Tone Studio on desktop
3. Export/upload them into my account on Boss Tone Exchange
4. Import as Liveset from Boss Tone Exchange onto BTS app on Phone (BTW - can't even do this from your profile, you actually have to go into the open exchange and find your own upload in order to download it)

That seems like too many steps but only way I could figure it out.

I will use proceeds from stock sales to pay for my kids college. I'm sitting on some gains. Is there a strategy where I gift the stocks to my kids, they sell them and use them for college, and we save money from taxes? Kids are 17 and 20. 17 year old has no income while the 20 year old has about $20 wages per year. We live in Maryland. I file jointly with spouse, and list the kids as dependents. We have approx $200k-300k in income.

What are the considerations?

Bonus question - each son themselves has stocks with 20-30 percent gains. Should they just regularly be selling them to tax gain harvest?

Did something happen to the site or rules about distribution?

Don't have a lot of free time to listen. If I had time for one which would it be?

edit:

I'll start with Deer Creek N2 on the drive to work this morning! thanks!

Greetings, I'd like custom monitors to protect my ears while attending concerts. Below is what my audiologist said. Appreciate your thoughts on pricing and the quality of the product.

We could just do the impressions for you if you choose to send them out to a manufacturer of your choosing, which would be $100.

If you would like us to send the impressions out for you, we work with Starkey SoundGear. Their in-ear monitors are called Tunz and they have 3 options: Solo, Duo, and Solo S. If you were to purchase these through us, they would be $224 for the Solo, $280 for the Duo, and $378 for the Solo S, plus shipping costs.

How far ahead of a concert date?

https://preview.redd.it/w8xma6n37gbh1.png?width=1482&format=png&auto=webp&s=885eb4869016e904d3c966f708047e3234e774c9

I've found that floor seats, like sections A, B, C, have really skinny rows and seats to where is one thing it off, I might end up having to stand slanted the whole time. Also, the floor is flat so unless you're tall you don't get a great view.

Do Sections 1, 2, 3 have a slight to them or flat also? Also, same row/seat width issues?

For entry level jobs (e.g. Starbucks, Chipotle, grocery stores), it used to show hustle to go in person and ask to speak to manager to see about jobs. Nowadays most hiring seems to be pushed to online.

Is coming in person still viewed as a positive?

Let's say I set a goal to save up $2000 within the next 4 months. It would calculate and let me know that I need to contribute $500 a month. I say ok. I can look at this month's budget and see the $500 gap. I can choose to allocate $500 for this month a future month's toward this goal.

I flip to next month - yep, I see the $500 allocated. Next month, yep. Next month, yet. Next month...wait - why is $500 still allocated? At this point in the future, the goal would have been reached. No more need to allocate.

Is there something I'm doing wrong?

I'm tired of having to figure out how stream the show every couple years when I decide to do a rewatch.

Where can I get the complete set on BluRay in the US?

I figure I'll rip them and then have them at the ready for when the mood strikes.

I currently have a monthly recurring contribution to my Trad IRA. I then manually convert it to Roth. I then manually purchase an equity in the Roth account.

Any differences if I have a monthly recurring contribution AND purchase of equity in the Trad IRA? And then manually convert? It would save a step.

It has a persistent "Saturday thru Monday" maintenance notice and I can never login.

Many of my assets have the blue M symbol. Why? How do I disable this?

I’ve spent a lot trying out PFtools such as Monarch Money, Quicken Simplifi, YNAB, and others. While they all do a great job aggregating accounts, tracking transactions, and setting up basic monthly budgets, none are capable of goal sequencing.

Most apps treat a savings goal like a static, recurring monthly expense line. They completely ignore time-bound cash flow realities. Example:

The Setup:

• My baseline budget leaves me with exactly $800 of unallocated cash flow each month.
• Goal 1 (Trip): Requires $400/month for the next 10 months ($4,000 total).
• Goal 2 (Used Car): Requires $400/month for the next 25 months ($10,000 total).

Very few of the tools tell me whether I can do this, but using mental math, I know I can fit these goals through y $800 surplus.

The Larger Problem:

Now, I want to plan Goal 3: Save $15,000 by the end of 3 years (36 months).

If I input this into Monarch, Simplifi, or YNAB, the app looks at the timeline, divides $15,000 by 36 months, tells me I need to find an extra $416 a month right now. They may or may not flashes red showing my budget is blown or that I'm underfunding my targets.

What a smart tool should do is calculate the waterfall sequence:

1. Months 1–10: My current available capacity for a new goal is $0 (Goal 1 and 2 consume the $800).
2. Month 11: Goal 1 completes. $400 is freed up. The tool should automatically realize this cash flow is now available and start funneling it into Goal 3.
3. Months 11–25: Goal 3 accumulates $6,000 ($400 $\times$ 15 months).
4. Month 26: Goal 2 completes. Another $400 is freed up. Total available monthly capacity becomes $800.
5. Months 26–36: Goal 3 accumulates $8,800 ($800 $\times$ 11 months).
6. Total Saved at Month 36: $14,800.

Instead of screaming that my budget is broken today, the tool should look at that timeline and tell me: "This is highly realistic. You are on track to hit $14,800. If you increase your savings by just $6 a month, or extend the timeline by a single month, you will hit all three goals smoothly."

Has anyone found a modern aggregator/PFT that actually handles this kind of dynamic timeline logic?