I'm also on a similar journey, but starting to invest in index funds. Try to track all your investments as best you can so you can keep on top of it all and not get overwhelmed, most use spreadsheets or use an app like exirio.com. Good luck with it all! Source: almost 3 years ago

Have you considered a no fee bank like Dave. I know it sounds strange, but they have no fees. No overdraft fees ever. Source: over 1 year ago

I wouldn't say they're all from the bay area (although some definitely are). A few off the top of my head that I'd spoken to / interviewed with - Figure, Dave, Discord, Box and Reddit were all in that range, give or take a bit. Source: about 2 years ago

Once your account is back in the green you should sign up for a service like Dave https://dave.com/. They will give you a short term loan until pay day for no interest. They also won’t charge you a few unless you choose instant transfers. Source: almost 3 years ago

In the immediate short-term, I was thinking of switching her banking over to Dave Banking (https://dave.com) because it allows automatic budgeting for bills, so that she can't spend away the money in her checking that she needs to pay her bills. And that way her available balance is the money she can "consequence-free" spend. I don't want to have the rights to manage her money for her because she has all sorts of... Source: almost 3 years ago