The hottest Personal Finance Substack posts right now

And their main takeaways
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Top Finance Topics

On 40 Hours: A Book For A Time Like This

Day One • 938 implied HN points • 09 Mar 24
💼 Business Productivity Self-help Entrepreneurship Personal Finance Marketing
  1. Time is the most valuable asset as it cannot be created or bought back. Focus on utilizing your time effectively to reach your goals.
  2. Distractions such as social media, excess entertainment, and procrastination can hinder progress. Identify them and work towards eliminating them to achieve success.
  3. Prioritize learning from helpful resources and taking action. Choose a few key lessons to implement, banishing distractions until they become part of your daily routine.
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❄️ ⚡️ Tesla et Chine, le bon moment pour investir ?

Snowball • 550 implied HN points • 28 Jan 24
💰 Finance Investment Stocks Economy Cryptocurrency Personal Finance
  1. Tesla stock has dropped significantly, raising questions for long-term investors.
  2. The Chinese government aims to regain investor trust in their financial markets after a significant drop in the CSI 300 index.
  3. Generative AI is disrupting the entertainment industry, potentially leading to more immersive storytelling experiences.

Fear Not

The Better Letter • 511 implied HN points • 26 Jan 24
💰 Finance Investing Market Analysis Personal Finance Economics
  1. Fear sells and makes money, driving many market predictions based on fear.
  2. Investors face fear daily, driven by narratives over data, making them susceptible to fear-mongering.
  3. Long-term investment is crucial; while fear may lead to short-term moves, the market trends upwards over time, favoring investment.

My Thoughts on Getting Paid on Substack

Lore Ferguson Wilbert • 2594 implied HN points • 31 Aug 23
🎭️ Culture Writing Social media Digital Platforms Personal Finance Content creation
  1. Subscription models for writers can provide a way for readers to support them financially.
  2. Freelance writing often pays very little in relation to the amount of work that goes into it.
  3. Being supported by reader subscriptions can allow writers to focus more on their writing and less on social media and algorithms.

❄️💖 380 ans d'utilité publique. Un coup de cœur.

Snowball • 471 implied HN points • 23 Jan 24
💰 Finance Investment Personal Finance Banking Financial Services
  1. Learn about the Crédit Municipal de Paris, an institution with over 380 years of history providing various financial services.
  2. The Crédit Municipal offers services such as quick loans against valuable items, financial counseling, auctions, and ethical savings options.
  3. The institution aims to innovate and modernize its services, while maintaining a focus on social impact and financial empowerment.

❄️ 🐣 Comment investir l'épargne des enfants ?

Snowball • 825 implied HN points • 14 Sep 23
💰 Finance Investment Children Taxation Stocks Personal Finance
  1. Consider investing children's savings in the stock market for long-term growth potential.
  2. Opening a brokerage account in your name to hold ETFs or stocks for your child and then gifting it to them can be a tax-efficient way to invest for their future.
  3. Ensure to handle legal aspects like declaring the donation to the tax authorities and consider equal distribution among multiple children to avoid inheritance disputes.

The Relief And Horror That Renting Is More Financially Sound Than Buying

Good Reason • 199 implied HN points • 14 Jan 24
💰 Finance Housing Personal Finance Wealth Investing Real Estate
  1. Renting is now more financially sound than buying due to high mortgage rates and home prices.
  2. Renting may save money now, but high rents are still a burden on many, making it hard to save for a home in the future.
  3. The current housing situation reflects negatively on society, with both buying and renting becoming expensive options.

❄️ 💰 15,9 % : taux d'épargne des Français. Et vous ?

Snowball • 1650 implied HN points • 01 Mar 23
💰 Finance Savings Budgeting Investing Personal Finance
  1. The savings rate of French citizens is 15.9%, consider your own savings.
  2. Understanding the basics of saving, the importance of putting savings to work in your budget, and determining the ideal amount to save.
  3. Tips for successful saving: set annual goals, make saving a habit, establish rules, track your savings, and create a balanced situation.

Congratulations On Your New Money Pit!

Shades of Greaves • 275 implied HN points • 13 Dec 23
💰 Finance Personal Finance Investing Budgeting Real Estate
  1. Owning a 'money pit' home comes with financial responsibilities like mortgage, property taxes, and maintenance costs.
  2. Engaging in DIY home repairs can save money but may take more time and effort than expected.
  3. Despite the challenges, owning a home allows for building relationships with neighbors and sharing experiences with other homeowners.

Why I Write My Newsletter, Content Ideas, OG CrossFit Workouts

Austin's Analects • 19 implied HN points • 22 Mar 24
💼 Business Content creation Personal Finance
  1. The purpose of writing a newsletter evolved to creating authentic relationships with readers, rather than just growing an audience.
  2. Struggling to come up with content ideas? Use prompts like TED Talk topics, life events that made you stronger, or public bets you'd back up.
  3. Explore the original CrossFit workouts from the early 2000s, maintaining their essence even after 24 years.

Life Monopoly, Protein Consumption, Unbundling Upwork

Austin's Analects • 19 implied HN points • 14 Mar 24
💼 Business Personal Finance Housing Market Marketplaces Freelancing
  1. Owning mortgage-free rental properties for each child is a smart financial strategy for the future.
  2. Traditional advice on protein intake might be outdated, with studies suggesting the body can absorb more protein per meal than previously thought.
  3. The unbundling trend seen with companies like Uber is now happening with platforms like Upwork, leading to more specialized niche service providers.

Six-Word Memoirs, Career Moves, Reverse Sear

Austin's Analects • 19 implied HN points • 01 Mar 24
🍲 Food & Drink Cooking Career Finance Personal Finance
  1. Six-Word Memoirs offer a concise way to connect with others by describing yourself in just a few words.
  2. When planning your next career move, consider mapping out adjacent careers and necessary skills to see what roles align best with your interests and strengths.
  3. A simple 'reverse sear' method can help you cook a perfect steak every time: season, oven cook, sear, and rest to enjoy a delicious meal.

'Brink of Catastrophe' As Federal Interest Payments Reach $750 Billion

QTR’s Fringe Finance • 27 implied HN points • 14 Feb 24
💰 Finance Economics Government Investing Personal Finance Gold
  1. The Federal interest payments reaching $750 billion are a significant concern and a sign of a fiscal danger zone.
  2. Peter Schiff emphasizes the immediate threat of the national debt crisis, warning that the problem is not in the distant future but happening right now.
  3. It's crucial to shift the mindset from fixating on ideal dollar exit points to viewing gold as a form of genuine wealth preservation regardless of the dollar value.

Realistic Retirement Planning

The Better Letter • 412 implied HN points • 07 Apr 23
💰 Finance Retirement planning Investing Financial advice Personal Finance
  1. Realistic retirement planning is crucial, especially considering the impact of debt and the average 401(k) balance.
  2. Advice on saving more and saving earlier is important, but should be realistic and consider individual circumstances.
  3. Retirement planning should acknowledge competing priorities and be approached with creativity and understanding, without judgment.

Worrying Less, Demystifying Happiness, Running Faster

Austin's Analects • 19 implied HN points • 22 Feb 24
🏥 Health & Wellness Mental health Physical health Running Personal Finance Self-Improvement
  1. Stop worrying about things that haven't happened yet; experiences in life add value and help us grow.
  2. Identify as a happy person to reinforce that belief; control your environment and inputs to support a positive mindset.
  3. Follow a structured running plan to improve speed and endurance; consistency and hard work lead to strength and success.

How making memes made me a millionaire in 2 months [Finance Fridays]

Technology Made Simple • 159 implied HN points • 16 Sep 23
💰 Finance Personal Finance Investing Wealth Management Cryptocurrency
  1. To be worth a million dollars, you can have a million dollars in cash, but it's rare and not always the smartest move.
  2. People can become 'millionaires' through equity, like stock compensation, where the value can fluctuate.
  3. Understanding tricks like using projections, earnings multiples, and fuzzy assets can help spot inflated valuations in the finance world.