TLDR Money https://tldrmoney.app/blog Spending, net worth and a FIRE date in one place. Written by people who don't earn a commission on your decisions. en Sonal Systems Private Limited hello@tldrmoney.in (Nirmal Amin) hello@tldrmoney.in (Nirmal Amin) Thu, 20 Aug 2026 03:30:00 GMT https://tldrmoney.app/assets/icon-512.png TLDR Money https://tldrmoney.app/blog Coast FIRE explained — when you can stop saving https://tldrmoney.app/blog/coast-fire-the-milestone-that-arrives-first https://tldrmoney.app/blog/coast-fire-the-milestone-that-arrives-first Thu, 20 Aug 2026 03:30:00 GMT Nirmal Amin Coast FIRE is the point where your investments will grow into retirement on their own. It arrives long before financial independence and it is the one that changes your options. How to track net worth without linking a bank https://tldrmoney.app/blog/how-to-track-net-worth-without-linking-a-bank https://tldrmoney.app/blog/how-to-track-net-worth-without-linking-a-bank Thu, 20 Aug 2026 03:30:00 GMT Nirmal Amin A quarterly net worth statement takes about fifteen minutes and needs no account aggregation. What to include, what to leave out, and how often to bother. Does your house count in net worth? Yes, and no https://tldrmoney.app/blog/is-the-house-you-live-in-part-of-your-net-worth https://tldrmoney.app/blog/is-the-house-you-live-in-part-of-your-net-worth Thu, 20 Aug 2026 03:30:00 GMT Nirmal Amin Your home belongs in your net worth and does not belong in your retirement projection. Both are true, and confusing them is why some people think they are closer than they are. The 4% rule explained — and when it stops working https://tldrmoney.app/blog/the-4-percent-rule-where-it-comes-from-and-when-it-breaks https://tldrmoney.app/blog/the-4-percent-rule-where-it-comes-from-and-when-it-breaks Thu, 20 Aug 2026 03:30:00 GMT Nirmal Amin The 4% rule comes from a study of 30-year US retirements. Here is what it actually said, what it assumed, and why early retirees usually use a lower number. Best expense tracker apps for Android (2026) https://tldrmoney.app/blog/the-best-expense-trackers-on-android-and-why-the-list-is-short https://tldrmoney.app/blog/the-best-expense-trackers-on-android-and-why-the-list-is-short Thu, 20 Aug 2026 03:30:00 GMT Nirmal Amin Several of the most-recommended budgeting apps do not exist on Android, or arrived there years late. What is actually available, and what to watch for. How to track expenses without linking your bank https://tldrmoney.app/blog/tracking-expenses-without-linking-a-bank-account https://tldrmoney.app/blog/tracking-expenses-without-linking-a-bank-account Thu, 20 Aug 2026 03:30:00 GMT Nirmal Amin Manual tracking is more work than automatic import and better in ways that are rarely stated. What you give up, what you get, and how to make it survive a real month. What is FIRE? The four numbers that decide your date https://tldrmoney.app/blog/what-is-fire-and-the-four-numbers-behind-it https://tldrmoney.app/blog/what-is-fire-and-the-four-numbers-behind-it Thu, 20 Aug 2026 03:30:00 GMT Nirmal Amin FIRE is not about retiring at 35. It is four numbers — what you spend, what you have, what you add, and what it returns — and only two of them are yours to move. Budget apps that read your email — what that access means https://tldrmoney.app/blog/why-a-budget-app-should-not-read-your-email https://tldrmoney.app/blog/why-a-budget-app-should-not-read-your-email Thu, 20 Aug 2026 03:30:00 GMT Nirmal Amin Some expense trackers offer to scan your inbox for transaction alerts. What that permission actually grants, why we ship it in India and nowhere else, and what to weigh.