Mike

The origin thread is up - x.com/FreeBudgetMike… I’ve never told that story out loud before. If you read it, thank you. Short version: woke up at 2am unable to stop thinking about why budgeting tools cost money. A year and a half later, here we are.

@AcdntlyRetired 💯

There are very few guarantees in personal finance when it comes to getting rich. Automatic dollar-cost averaging into total market index funds for 20 years is about as close as it gets.

@GuyTalksFinance I’ve always had this strategy but with a total stock market fund. Now I’m wondering if it’s time to reconsider given the concentration at the top of the S&P.

A majority of my money is invested in index funds. Mainly in growth funds and the S&P500. I have a small portion of my portfolio invested in single stocks just to have some fun with. A balanced approach is best when it comes to long term investing.

@aakseon @X Let’s connect!

Hey @X algorithm, Looking to connect with builders in: 🤖 AI agents & automation ⚙️ Backend / APIs ☁️ DevOps & cloud 🏗️ Solutions architecture 🚀 Solo & indie founders 💻 Full stack & web dev 📊 SaaS & product growth 🧑‍💻 Vibe coders Let's #connect and grow together! 👋

@brijeshcaet Sure thing would love to connect! Freebudget.org

Hey founders 👋 Let's connect and grow together 🤝 Drop the name of what you're building right now and one line about it 👇 Looking to meet: 🚀 AI Engineer & solo founders 💸 Bootstrapped builders 🤖 AI / agents / MCP folks 📈 B2B SaaS & data tools 🛠 Anyone shipping something this week ✨ Vibe coders & weekend warriors I m building NucleusIQ (Agents that survive production.) I'll follow back everyone shipping something real 🛰

@egorkabantsov Let’s connect! Freebudget.org

looking forward to connect people on X if you're into - building SaaS ⚡️ - fullstack developers 💻 - vibe coding 🏄 - AI tools🧑‍💻 - shipping in public 🚢 - figuring it out as you go 🤔 say Hi or drop what you're working on looking to follow active ones 🙌🏻

@256_rc 💯 love trading ideas with builders. Lets connect!

@FreeBudgetMike The things you put out are actually instructive. Always up for trading thoughts with other makers

I just hit 200 followers. 3 days ago I was at 100. Crazy how growth starts to compound when you’re consistent. Here’s to 1000 followers next!

@zavxai Would love to connect! Freebudget.org

Trying to #connect with more people in tech/build in public 👋 Especially from: • Web development • AI/ML • SaaS • Startups • Freelancing • Automation • Tech in general What are you guys building right now? Let’s connect and grow together 🤝

@charlesng116 Let’s connect! Freebudget.org

👋 Hey founders! Looking to connect with people building in: - SaaS - AI - Automation - Web apps - Tech products - Marketing Drop what you're working on 👇I'll sign up and check it out

@debojeetbuilds @X Would love to connect! Building FreeBudget.org

Your @X timeline changes when you follow people who actually build things Looking to #connect with: • Devs • AI builders • Founders • SaaS people • Open-source contributors Drop your GitHub, tech stack, or what you’re building in the comments 👇

@DanielSmidstrup Let’s connect! Freebudget.org

Hey founders ! Looking to connect with people building in: 🍽️ SaaS 🚀 Tech 📲 Automation 🧠 AI tools 📱 Product Development 🔥 Web APP 💻 Devs Drop what you're working on 👇

@FluentInBizz Let’s connect! I’m building FreeBudget.org

Hey X community! I’m looking to #connect with the #buildinpublic and entrepreneurial communities. Say Hi and let’s connect if you are in: 🚀 SaaS & Startups 🤖 AI product builders 💻 Web Developers 🛍️ Online shopping/commerce Share what you’re building below with everyone!

@ai_nikola16478 @X Let’s connect! I’m building FreeBudget.org

Hey founders @X! Looking to connect with people in: 🤑 SaaS 🥶 AI & Automation 📈 Tech 😶‍🌫️ Product Development 🔥 Web Apps 💻 Dev What are you building this week? Drop it below 👇 Curious to see what everyone's working on 🚀 I will rank every one X/10

@hellojaibu @X Let’s connect!

Hey @X algorithom Trying to #connect with more people in tech/build in public 👋 Especially from: Web development Founders & Vibe coders AI/ML SaaS Startups Tech in general What are you guys building right now? Let's connect and grow together

@crypto_guro @Jordandev40 Followed!

@FreeBudgetMike @Jordandev40 Hi mike, let's connect. I’ll FB right away.

I want to connect with more founders builders vibe coders AI enthusiasts freelancers startup employees If you’re someone that is BUILDING something I want to actually chat about how we could help each other succeed and give real product feedback

@emonuxui True the thing that hurt for me is that we had to take out a home equity loan for another investment opportunity at a 6.99% interest rate. I paid off our 3.875% mortgage just to get a 6.99% one 🤦‍♂️. Not one of my finer moments 😂

@FreeBudgetMike Optimization and peace of mind don't always point in the same direction.

I paid off my mortgage in 4.5 years and it might have been my biggest financial mistake. I had a 3-4% interest rate. The market averaged 12%+ during those same years. I was aggressively paying off cheap debt instead of investing at a higher return. I do not regret the discipline. I do regret the math. If I did it again I would have invested the difference and let the numbers work for me instead of against me.

@Jordandev40 Just followed! I’m working on FreeBudget.org

@FreeBudgetMike Lets do it! What are you working on?

@Budgetdog_ Definitely plan to take advantage of this for my kids. The Roth conversion strategy after it turns into a traditional is really interesting

🚨 PSA FOR PARENTS 🚨 If your child is born from 2025-2028, the government owes them $1,000. Here's everything you need to know about "Trump Accounts"... Account Basics: -> $1,000 free deposit at birth (if born 2025–2028) -> Invested in US index funds -> Locked until age 18 -> Converts to a traditional IRA at adulthood You can open one account per child... And there's no income limit. Who Qualifies: Your child qualifies if they... -> Are a U.S. citizen -> Have a Social Security number -> Are under 18 when the account is opened The $1,000 deposit is only for kids born between Jan 1, 2025 and Dec 31, 2028... But ANY American child can open an account. Contribution Rules: The free deposit will grow on its own... But you're allowed to add extra cash to build the account faster: -> Up to $5,000/yr per child -> No earned income required (unlike a Roth IRA 😉) -> Parents, grandparents, and relatives can contribute How To Open Your Account: 1) File Form 4547 at trumpaccounts.gov to claim the $1,000 deposit (if eligible) 2) Download the official "Trump Accounts" app (App Store or Google Play) 3) Wait for your invite (rolling out through July 4, 2026) 4) Contribute extra cash when you want 5) Let auto investments handle the rest If you set this up the day your child is born... (& max yearly contributions) They'll have: - $31,414 by age 5 - $78,210 by age 10 - $210,893 by age 18 And even if you never add another dollar... It could grow to over $5M by age 55 🤯 Account Restrictions: ❌ Funds are locked until 18 with no exceptions (no hardship withdrawals) ❌ Investment options are limited to "Treasury-approved" U.S. index funds ❌ Tax-deferred, NOT tax-free (withdrawals at 18 are taxed like a traditional IRA) Wherever you stand politically... This can help you set up your kids for a stronger financial future. Especially if your child qualifies for the $1,000... There's no reason not to claim it. Hope this helps! Share this with someone who could use it... And follow me for more 🤝🏻

@adripersaud1030 Let’s connect! I’m working on FreeBudget.org

Hey founders! Looking to connect with people in: 🍽️ SaaS 🚀 Tech 📲 Automation 🧠 AI tools 📈 Ecom 📱Product development 🔥 Web APP 💻 Devs Drop what you’ve been working in this new week

@VylorApp Sure thing! Definitely agree!

YNAB's zero-based budgeting methodology is genuinely one of the best personal finance frameworks ever made. The discipline of giving every dollar a job before the month starts changed how I think about money. The price is the only problem. Not the methodology. Not the app. Just the price.