Nethaven Blog
Practical notes on budgeting, transaction review, portfolio tracking, and building a calmer financial routine.
By Nethaven Team
July 27, 2026
7 minute read
How to Log Expenses With a Siri Shortcut on iPhone
Cash and manual card spending goes untracked because logging it means opening an app. A Siri Shortcut removes that step: say the amount, get a confirmation, done.
By Nethaven Team
July 21, 2026
7 minute read
What Is a Net Worth Aggregator?
Aggregation is the difference between a net worth number you maintain and one that maintains itself. Here's how it actually works.
By Nethaven Team
July 21, 2026
7 minute read
How to Track Dividend Income
Dividends are the one part of a portfolio that pays you without you doing anything, and the part most people can't state a number for.
By Nethaven Team
July 13, 2026
10 minute read
Coast FIRE Explained: How to Find Your Coast Number
You may be closer to financial independence than you think. What Coast FIRE is, how to find your coast number, and why it buys flexibility rather than idleness.
By Nethaven Team
July 13, 2026
10 minute read
The 4% Rule: How to Use It in a FIRE Plan
One number turned retirement planning into arithmetic. What Bengen's research actually found, the 25x shortcut, sequence risk, and how to pick your own rate.
By Nethaven Team
July 13, 2026
11 minute read
Passive Income and FIRE: What Actually Counts
The S&P 500 yields about 1.1%, rentals need management, royalties need a catalog. A realistic look at the income sources that can support financial independence.
By Nethaven Team
July 7, 2026
8 minute read
Net Worth by Age: See Where You Stand in 2026
Average net worth looks impressive at every age, until you see the median. Here is the real Federal Reserve data on net worth by age, and how to read it.
By Nethaven Team
July 6, 2026
5 minute read
How Much Do Subscriptions Really Cost?
Ask someone their monthly subscription total and they'll guess low, by a lot. Here's how to add up every recurring charge and see the real number.
By Nethaven Team
July 2, 2026
4 minute read
Crypto in net worth: what to include
Include crypto you can sell at a knowable price; exclude locked, illiquid, or speculative holdings you cannot value. Mark the method so your total stays honest.
By Nethaven Team
June 30, 2026
6 minute read
Snowball vs avalanche debt payoff
Avalanche saves the most money; snowball is the one people actually finish. How to pick between motivation and math, and a hybrid that captures both.
By Nethaven Team
June 27, 2026
5 minute read
Connect Nethaven MCP to Claude or ChatGPT
You can now ask Claude 'What's my net worth?' and get a real answer from your live Nethaven data, no CSV exports, no copy-paste. One URL, OAuth sign-in, done.
By Nethaven Team
June 24, 2026
9 minute read
How to Start Managing Your Money
Personal finance for beginners, made simple. A clear, step-by-step order of operations to manage your money from zero, track, budget, clear debt, save, invest.
By Nethaven Team
June 24, 2026
11 minute read
HENRY: High Earner, Not Rich Yet
A high salary is not the same as wealth. Why high earners stay cash-rich but net-worth-poor, and the proven steps to turn a big income into a growing net worth.
By Nethaven Team
June 23, 2026
12 minute read
FIRE: Financial Independence, Retire Early
Financial Independence, Retire Early comes down to two numbers: 25x your annual spending and a ~4% withdrawal rate. The FIRE rules, its types, and how to start.
By Nethaven Team
June 21, 2026
7 minute read
Freelancer finances: business vs personal
Keep business and personal separate inside one dashboard: dedicated accounts, clear categories, a tax set-aside rule, and a way to smooth lumpy freelance income.
By Nethaven Team
June 18, 2026
6 minute read
Weekly vs monthly subscription billing
Weekly billing splits one cost into 52 small charges that slip past monthly review. Same annual total, very different visibility. Here is how to compare cadences.
By Nethaven Team
June 13, 2026
6 minute read
Rental property in net worth tracking
Track a rental as equity: market value minus mortgage. Value it conservatively, update slowly, and keep the loan paired so your net worth never overstates wealth.
By Nethaven Team
June 9, 2026
6 minute read
SnapTrade vs manual brokerage tracking
Sync keeps active accounts current with zero effort; manual covers everything but goes stale. Most people want both: sync for active accounts, manual for the long tail.
By Nethaven Team
June 4, 2026
7 minute read
Subscription tracking: what to review
A subscription list is useful, but context turns renewals into decisions. Review amount, timing, owner, category, and whether the service still earns its place.
By Nethaven Team
May 30, 2026
6 minute read
Shared budget without shared passwords
Sharing a budget should not mean sharing passwords. Invite-based access shows partners categories, goals, and spending while each login stays private and revocable.
By Nethaven Team
May 28, 2026
6 minute read
When transaction rules help vs hurt
Rules should make a review queue smaller, not invisible. Use them for stable merchants and recurring patterns, then keep exceptions easy to spot.
By Nethaven Team
May 22, 2026
6 minute read
Transaction rules that fail (and fixes)
Rules should shrink your review queue, not hide transactions. The four common failure patterns, and the narrower conditions and exception queue that fix them.
By Nethaven Team
May 20, 2026
7 minute read
Money timeline review: a monthly routine
A monthly timeline review helps you notice new transactions, balance changes, and upcoming bills without reopening every account separately.
By Nethaven Team
May 12, 2026
7 minute read
Savings goals that stay visible
A visible savings goal connects target amount, deadline, monthly contribution, and tradeoffs so the plan does not disappear between paychecks.
By Nethaven Team
May 5, 2026
7 minute read
Debt paydown check-in: a monthly routine
Debt payoff plans need a recurring checkpoint. Compare balances, interest, minimums, extra payments, and budget pressure before choosing next month.
By Nethaven Team
April 28, 2026
6 minute read
What belongs in a net worth dashboard
Cash, debt, investments, property, and manual assets all tell a different part of the same financial story.