Fun Not Broke

Money basics without a ramen lecture 🍜 26, dad, rental owner, former SEC college golfer, sports bettor. Money Map and Rental Analysis sheets 👇

[Fun Not Broke @funnotbroke]

400 followers! Thank you 🎉

To celebrate, the Rental Analysis + Money Map bundle is 50% off all November

Use code FNB50 👇
https://t.co/yIyoU9PO4c

[Fun Not Broke @funnotbroke]

FUN NOT BROKE COURT 🍜

Morgan, 27, earns $58K.
HYSA: $6K emergency fund
401(k): 4% (full match)
Debt: $0

Morgan wants a $1,900/mo solo apartment.
Her roommate says stay at $1,100 for one more year and bank the $800/mo, which is $9,600.

You're the jury. Move or stay? $VOO

[Fun Not Broke @funnotbroke]

Myth: $100K a year means you made it.
Fact: in 12 states it's LOWER-middle class 😳

Massachusetts: $116,476 to escape it
New Jersey: $115,882
California: $111,277
(MoneyLion, 2024 Census)

Your zip code can matter more than a raise.

What income feels rich where you live? 👇

[Fun Not Broke @funnotbroke]

Grok Bot Day 27 🎯
Yesterday: 3-2, +1.87u
Record: 46-39, +5.46u

🏈 OU -2.5 (1.5u) 12p CT
🏈 Rams/Cards U38.5 (1.5u) 3:05p CT
🏈 Dolphins/Colts U37.5 (1u) 12p CT
🏈 Falcons +3 (1u) 12p CT
🏈 Seahawks/Raiders U40.5 (1u) 3:05p CT

[Fun Not Broke @funnotbroke]

Your $15K emergency fund sits in checking earning nothing.

You're 31, earn $72K, spend $3K a month, no debt, full 401(k) match.

A) Move all $15K to a 4% HYSA
B) Keep $9K in a HYSA, invest $6K
C) Keep $5K in a HYSA, invest $10K

Pick one and tell me why 👇

$VOO $VTI

[Fun Not Broke @funnotbroke]

LSUs execution these past few games have been absolutely pathetic.

Brian Kelly wins that game

[Fun Not Broke @funnotbroke]

Manning vs. Leavitt is a puke off 🤣🤣

[Fun Not Broke @funnotbroke]

When do you bench Sam Leavitt?

[Fun Not Broke @funnotbroke]

SHOWDOWN: Both are 27, earn $65K, have an $8K emergency fund and no debt.

A) Rents near work for $1,800. No car, $100/mo on transit.

B) Rents 30 min out for $1,300. $450 car payment plus $250/mo gas and insurance.

Who's ahead, A or B?

[Fun Not Broke @funnotbroke]

We all preach saving money. Almost nobody talks about GIVING.

I ordered $DPZ recently and it ran a little late. The driver was a lady in her mid-to-upper 60s.

When I walked out to grab the food, I saw her beat-up car sitting on a spare. She apologized for being late and said she had to wait for her next paycheck to replace a $200 tire.

That hit me hard. I take for granted how good my family has it.

My wife went inside, grabbed the cash and handed it to her to cover the tire.

A great savings rate is a win. But the point of having money isn't just to stack it. It's being able to help when it matters.

Church, school, hospital, local charity, or a stranger in your driveway. Find something you believe in and give.

Save hard. Give on purpose. ❤️

[Fun Not Broke @funnotbroke]

FUN NOT BROKE COURT 🍜

Chris, 30, earns $80K.
HYSA: $10K emergency fund
401(k): 6% (full match)
Debt: $0

Chris wants a $2,800 golf membership.
His buddy says play public courses for $800 and put $2,000 toward a house down payment.

You're the jury. Join or skip? $VOO

[Fun Not Broke @funnotbroke]

Grok Bot Day 26 🎯
Yday: 4-0, +5.36u ✅
Record: 43-37, +3.59u
🏈 LOU/UNC U57.5 (1.5u) 6p
🏈 Ark +7.5 (1.5u) 6:45p
🏈 GT/Clem U47.5 (1u) 11:30a
🏀 Nets +3.5 (1u) 7:10p
🏈 OkSt -3.5 (1u) 8:30p

[Fun Not Broke @funnotbroke]

You have $6K in savings beyond a full emergency fund.

You're 27, earn $68K and have $14K in student loans at 4.5%. No other debt.

A) Throw the $6K at the loans
B) Invest it in an index fund
C) Keep it for a future down payment

Pick one and tell me why 👇

$VOO $VTI

[Fun Not Broke @funnotbroke]

@CamperdownCo Best of luck on your next position brother! Will be thinking about you, this’ll only make ya stronger 💪

[Fun Not Broke @funnotbroke]

@TheBrilliantBu1 Keeps ya out of trouble! 🤣

[Fun Not Broke @funnotbroke]

73% of Americans under 30 say their paycheck can't fund the life they want 😬 And 70% of adults cut back on extras this year. (Pew)

Hot take: cutting ALL fun isn't the fix. Keep 1 or 2 things you love, fund them on purpose, and cut what you won't miss.

What's your 1 thing? 👇

[Fun Not Broke @funnotbroke]

Just woke up from a nap, something happen?

[Fun Not Broke @funnotbroke]

SHOWDOWN: Both are 29, earn $75K, have a $10K emergency fund and no debt.

A) Over-withholds and gets a $3,000 tax refund every April.

B) Fixes their W-4, takes home $250 more a month and invests it.

Who comes out ahead, A or B?

[Fun Not Broke @funnotbroke]

Grok Bot Day 25 🎯
Yesterday: 2-1, +1.38u
Record: 39-37, -1.77u

🏈 FSU/Pitt U52.5 (1.5u) 6 PM CT
🏀 Knicks/Pacers U219.5 (1.5u) 6:10 PM CT
🏀 Heat -2.5 (1u) 7:10 PM CT
🏒 Preds ML +136 (1u) 9 PM CT

[Fun Not Broke @funnotbroke]

FUN NOT BROKE COURT 🍜

Priya, 28, earns $64K.
HYSA: $5K emergency fund
401(k): 4% (full match)
Debt: $0

Priya wants to spend $1,500 on holiday gifts.
Her sister says cap it at $50 a person and put the rest in a Roth IRA.

You're the jury. Go big or cap it? $VOO

[Fun Not Broke @funnotbroke]

@BuildingAfter5 Boom! 💥