Some apps, such as Credit Karma and  Credit Sesame, suggest users open a new savings account that's affiliated with the app (but usually run by a bank) to help them put money toward savings. Simplifi doesn't offer any affiliated bank accounts, but it will do the bookkeeping for you if you want to set and contribute to savings goals. 

The best place to keep sinking funds is often a high-yield savings account.

If you’re saving for several different expenses, it’s worth checking with your financial institution to see if they offer savings accounts with customized buckets. This way, you only have one account to keep track of, but you’re still using the sinking fund strategy to save for specific future expenses.

Prepare for those inevitable expenses. When you see those tires are wearing thin, start saving for new ones. If you know the house you just bought has an old roof, start saving for a new one. These aren’t emergencies yet, and if you start saving up now, they never will be!

So with that in mind, the best option for sinking funds tends to be a high-yield savings account

You can create a sinking fund for any financial goal or expense you have. These can be ongoing expenses that occur irregularly, like car insurance that you pay every six months or once a year, or a big one-time expense, like a wedding.

some of the biggest investors in private equity are pension funds. Those are pensions? Do we need to take our money if we have, if we're lucky enough to have a pension, out of the private markets like that? And if so, where do we put it? - Yeah, I would love to see this conversation 00:23:48 happen among institutional investors. I mean, what they have been flocking into private equity and it's the least transparent, the least accountable, the least responsible of the sectors.

The myth that this was caused by Craigslist or Google drives me bonkers. Throughout the 80s and 90s, private equity firms and hedge funds gobbled up local news enterprises to extract their real estate. They didn’t give a shit about journalism; they just wanted prime real estate that they could develop. And news organizations had it in the form of buildings in the middle of town. So financiers squeezed the news orgs until there was no money to be squeezed and then they hung them out to dry. There was no configuration in which local news was going to survive, no magical upwards trajectory of revenue based on advertising alone. If it weren’t for Craigslist and Google, the financiers would’ve squeezed these enterprises for a few more years, but the end state was always failure.

Mistiming risk is minimal or very short-lived in all debt funds (other than gilt funds) and in hybrid categories other than aggressive hybrid.

“Pension funds can’t match their liabilities with where rates are today so they have to hope that equity markets will continue to rally,” he says.

That's my gateway between the crypto world and my bank accounts.

From 2013 to 2017 Wright State’s reserve funds went from around $130 million dollars to less than $20 million: that’s four years over budget at an average of $27.5 million per year.