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_refugee_ · 3689 days ago · link · · parent · post: What does hubski know/think of You Need A Budget, or YNAB? And a post on personal finance in general.
Average rate of return for investments: safe to assume 3-6% Average interest rate of all my debts: way above that Prepayment penalties? None. -Not sure about car, but none on CCs, none on student loans I think I'm generally pretty safe. My debt is mostly student loans at 6.8% and credit cards in the range of 12-18%. Not sure about the car note, but that's the last one I'm worried about.