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1 year agoI use Excel. Apps generally seem to be focused on tracking spending, and are less useful for modeling future changes. If I want to look at my actual spending in more detail I can use the banks apps for that, the spreadsheet is more future focused.
I have been working on the spreadsheet for years with gradual improvements all the time, and it is exactly customised to my needs. So I can calculate my pay (which is variable and based on a ludicrously complicated structure), allocate the money based on a mix of set and percentage figures, model the impact of future changes such as increases in power costs or getting another pet, and estimate at any time how much I have accrued for utility bills not yet received.
If society valued my contribution they would give me working conditions that were decent enough that I didn’t desperately want to leave. “Society” is currently extracting way more than a fair share of what people like me (on an average wage) produce so that the rich can indulge in excessive consumption. I don’t know how you get the idea that everyone who plans to retire early has a valuable skilled profession and high social power. For a lot of people the focus is on extreme frugility to try to scrape enough money together to have some freedom to spend time doing things you find valuable.
Basically yes, I am of the mindset that I don’t owe anything to society. I’m “lucky” to have an average wage and not minimum wage I suppose, especially given that the current argument in society is that minimum wage is not supposed to be high enough to support yourself independently. “Society” has been telling me for years that my essential job that they are so grateful to me for doing is also a drain on “taxpayer money” and that I don’t deserve pay rises that keep pace with inflation, let alone average wages.