FinP4l - Demystifying Financial Planning @FinP4l

On a mission 🚀 to build the best fin modeling and expense mgmt tool, because no one should fly blind with something this important. Public Benefit Project. finp4l.com Joined July 2025

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FinP4l - Demystifying Financial Planning @FinP4l

a week ago

What’s the main purpose of an asset allocation strategy? a) Maximize returns in all scenarios b) Balance risk and reward across time horizons c) Minimize taxes d) Avoid inflation completely

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FinP4l - Demystifying Financial Planning @FinP4l

a week ago

If you earn $5,000/month and want to follow the “50/30/20” rule, how much should go toward savings & debt payoff? a) $500 b) $1,000 c) $1,500 d) $2,000

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FinP4l - Demystifying Financial Planning @FinP4l

2 weeks ago

Is converting assets to an (insurance) annuity worth it? It usually depends on what you value more - stability or growth (or if you're in a position to have both). Model, so you know exactly what you're looking at!

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FinP4l - Demystifying Financial Planning @FinP4l

3 weeks ago

Added a Financial Literacy Quiz / Learning Area. Because fin modeling doesn't really work if you don't know what it all means. Right? The app is FREE and Public Benefit Project.

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FinP4l - Demystifying Financial Planning @FinP4l

3 weeks ago

People often ask how much they should be investing. As much as possible is often the go-to answer. The truth is - it depends.. You want to build your assets early in life, and at some point ($500k - $1M) it becomes more about growing your assets than adding to them. Think…

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FinP4l - Demystifying Financial Planning @FinP4l

3 weeks ago

People have a strong procrastination bias. In everything, but especially as it comes to financial actions. In this case, not converting to Roth IRA will cost you approximately $800k in taxes. Modeling it out helps with clarity and taking action based on specific data rather…

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FinP4l - Demystifying Financial Planning @FinP4l

3 weeks ago

If you feel like spreading love today - FinP4l just went live on the Product Hunt today. We're in it to make more people succeed in life by modeling their finances to and through the financial retirement. producthunt.com/posts/finp4l-a…

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FinP4l - Demystifying Financial Planning @FinP4l

3 weeks ago

When you think about retirement, are you thinking about hunkering down and living the cheapest life you can, working until you can’t, or enjoying everything that life has to offer, with lots of travel and hobbies, after many years of the grind? Makes a huge difference

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FinP4l - Demystifying Financial Planning @FinP4l

4 weeks ago

Instead of leaving you an inheritance (or maybe in addition to), ask your relatives to instead consider giving you an annual stipend that you can invest. Win-win for everyone!!! Would you like a well phrased letter you can send them? Comment "YES!" and forward to someone who…

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FinP4l - Demystifying Financial Planning @FinP4l

a month ago

People often think of their house as (sometimes the largest) asset for their retirement. That's wrong. Imagine sitting on a $2M paid off house, but with no other streams of income. So unless you're planning to sell it, or have other income streams that can fully cover your…

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FinP4l - Demystifying Financial Planning @FinP4l

a month ago

AI impact will be real! It will be tangible. It will wipe out at least 50% of the workforce. Where does it leave them? Unemployed? Hope not! Why not just have everyone work less - between shorter workdays and earlier retirement? We can cook more, walk more, spend…