S 🚢

I make personal finances simple and minimal, so that you worry less about money, and more about what’s truly important to you

[S 🚢 @Sney_hal]

Ways I’m trying to ditch consumerism:

Unsubscribing from
- newsletters, marketing emails
- YouTube, IG channels about beauty & apparel hauls

Cleaning up
- who I follow on X
- who I hang out with in real life

Building new
- hobbies, routines
- intentional friendships

It works!

[S 🚢 @Sney_hal]

@kathtsoukalas This is inspiring! Congratulations! Signing up now

[S 🚢 @Sney_hal]

@theharrybeadle Been loving your newsletters, Harry!
Grow

[S 🚢 @Sney_hal]

@ericrod @VinodSharma10x @ameydeo7 @harsh_dev8086 @M_sriraja @Gautam_A_k @taashuu_ @TandanBhaumik @theallinpod @lexfridman @AlexHormozi Thanks for hosting Eric! So glad we are doing this again! See you Monday!

[S 🚢 @Sney_hal]

@austincoldiron0 Great conversation @austincoldiron0, @ericrod !
I’m curious to hear about the amount of time commitment it takes to run a successful mid-ticket membership community. Would love to hear your thoughts

[S 🚢 @Sney_hal]

@kathtsoukalas For me, it is the reduced creative productivity, reduced output, and increased guilt about low output.

[S 🚢 @Sney_hal]

@darrelltalksfi It seems like a wise advice only if what you plan to do in your retirement is more fulfilling than what you do in your 9-5, given all other things like stress, money & lifestyle remain the same/get better.

What does your manager do in all his free time now, that makes him happy?

[S 🚢 @Sney_hal]

@itskevinraj Way to go, Kevin! 💯 the best goals are the ones you control 100%

[S 🚢 @Sney_hal]

3 steps to design a simple investment portfolio:

1
Start with the basics
Objective of the fund, target size $, risk & time horizon

2
Diversify risks
Balance stocks vs bonds according to your age

3
Minimize hassle
Less # of investments
Low fees
Automated contributions
+patience

[S 🚢 @Sney_hal]

3 traits to streamline your money systems:

1
Organize like it's your pantry
Combine accounts when possible
Close what you don't use regularly

2
Don't hoard
credit cards, memberships & subscriptions
You know what you need

3
Experiment with tools & apps
Stick with what you like

[S 🚢 @Sney_hal]

2 Skills you must develop to set and achieve minimalist financial goals:

1. Prioritization:

You cannot have 3 priorities. You must have one P0 goal and a couple of nice-to-have goals

&

2: Consistency:

Don't try to meet the nice-to-have goals unless you complete P0 each month

[S 🚢 @Sney_hal]

Ways to design a minimalist investment portfolio:

1
Start with goals
Objective, size of investment, and time horizon

2
Diversify to reduce risk of individual risks
E.g., individual stocks like Nvidia vs S&P500

3
Keep the number of investments low
Less variety = easy management

[S 🚢 @Sney_hal]

3 goals you should set to overcome financial overwhelm and build real wealth:

1
Build an emergency fund
It will help you sleep better
And be more confident about your future

2
Attack debt hard
There's no other way to clear it

3
Start saving early for the future.
It compounds

[S 🚢 @Sney_hal]

3 crucial lessons I learned from my failures to overcome financial overwhelm:

1
Money is emotional. I cannot always be practical about it.

2
Overcomplicating only slows me down. Simple doesn't mean ineffective.

3
I can learn from others, but I shouldn't copy them blindly.

[S 🚢 @Sney_hal]

3 insights to reduce financial overwhelm in the modern world:

1
Know what makes you feel overwhelmed. It's half the battle
Is it your debt?
Is it your peers' lifestyle?

2
Align your priorities with your reality
Be in the driver's seat

3
Know what's in your control
& what isn't

[S 🚢 @Sney_hal]

3 steps to a bare-bones budget you'll likely stick to:

1. Know the essentials costs: housing, transport, food, utilities.
2. Ditch 10 fancy categories, "wants" & "needs" are enough.
3. "Needs" cost the same $ each month. Set spending limits on "wants". Invest what you cut back.

[S 🚢 @Sney_hal]

3 common traits among people who practice intentional spending:

1. Discipline: They consistently stick to their budget/ financial plan.
2. Patience: They delay gratification & avoid impulsive purchases.
3. Self-awareness: They know their priorities, values, and spending triggers

[S 🚢 @Sney_hal]

3 routines to master minimalist spending habits:

1. Every morning, practice gratitude.
2. Throughout the day, practice pausing before non-essential purchases.
3. Every evening, reflect if the day's purchases align with your values. Mentally note impulse buys, if any.

Repeat!

[S 🚢 @Sney_hal]

3 skills you need to execute a simple budget that works:

• Observing trends: to spot areas for growth
• Being flexible: to deal with plans derailing
• Developing patience: to change your money habits and mindset

Skills are like muscles, built slowly, and exercised regularly.

[S 🚢 @Sney_hal]

@gluisoli @typeshare_co Thank you!

[S 🚢 @Sney_hal]

Today, after writing daily for 53 days straight, I am letting my @typeshare_co streak go. It was a very effective motivator for me to write daily.

Now, I feel certain that I can trust myself to keep going🤞

I can't believe how clear my thoughts have gotten since I started💡

[S 🚢 @Sney_hal]

@umangv_ @typeshare_co Thank you, Umang!