PennyTrackr

Personal Finance Blog

Practical advice, actionable tips, and insights to help you take control of your financial future. From budgeting basics to investment strategies and the path to financial independence.

Latest Article

Hammock Investing: Relax and Let Your Money Work

Discover hammock investing - a simple, stress-free approach to building wealth through passive index funds and ETFs. Learn how to relax while your money works for you with this low-maintenance investment strategy.

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Aug 25, 2025 • PennyTrackr Team

Financial Success in Marriage: Why Being in It Together Matters

Discover why financial alignment between spouses is crucial for building wealth and achieving financial independence. Learn practical strategies for creating a winning financial partnership in marriage.

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Aug 16, 2025 • PennyTrackr Team

The 5% Rule: Is It Time to Update Retirement Withdrawal Strategies?

Explore whether the traditional 4% retirement withdrawal rule should be updated to 5%. Learn about modern retirement strategies, sequence risk, and dynamic withdrawal approaches for financial independence.

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Aug 08, 2025 • PennyTrackr Team

Time in the Market Beats Timing the Market

Learn why consistent long-term investing outperforms trying to predict market movements. Discover the power of time and compounding versus the futility of market timing for building wealth.

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Aug 07, 2025 • PennyTrackr Team

The 0.01% Rule - A Simple Guide to Sustainable Spending

Discover the 0.01% rule for daily spending - a simple, conservative approach to managing your finances that scales with your net worth.

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Aug 02, 2025 • PennyTrackr Team

Why the First $100,000 Is the Hardest

Discover why reaching your first $100,000 in savings and investments is the biggest milestone in wealth building. Learn about compounding, momentum, and practical tips to reach this crucial financial goal.

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Jan 15, 2024 • PennyTrackr Team

Getting Started with Personal Finance: Your First Steps

Learn the essential first steps to take control of your personal finances and start building wealth for your future.

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