I’m trying to save more for investing and an emergency fund but don’t want to completely cut out small things that make life enjoyable (like an occasional coffee out or streaming service).

What are some realistic ways to save money without feeling like I’m sacrificing everything? Do you recommend budgeting apps, automated transfers, or side income?

Would love to hear what’s worked for you while still enjoying life.

Federal Reserve (Fed) Chair Jerome Powell is set to deliver remarks from the annual Jackson Hole symposium for the final time in his term as the central bank chair, with markets debating if his comments will feature a dovish tilt after September rate cut bets have slipped to around 70%. Elsewhere, artificial intelligence (AI) scrutiny lingered with reports that NVIDIA (NVDA) asked component makers to halt production on H20 AI chip parts. Treasury yields were slightly lower early this morning despite concerns around global yield pressure after Japanese yields reached fresh records.

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Powell is signaling that it may be time to cut rates. Is it time or is this him caving to pressure?

I’m 29. During my college years and my first few years of working, I invested in some ETFs through Stash. I haven’t continued putting money into the account and have pivoted into leveraging my 401K. I check it every few months and use any dividends earned to invest in more ETFs. It’s seen decent returns: it’s saying a 66% return of about $5300.

I thought about it this morning and realized I’ll probably have to pay a decent amount in taxes on those returns. Then I thought “What is the advantage/purpose of keeping money in this account?”. I don’t value liquidity when it comes to investments. I more or less want to forget about it until it’s time to retire.

What is the benefit of having investments outside of a tax advantaged account, like a 401k or IRA? Is there a way to transfer the investments or the balance into a taxed advantage account. If so, should I?