Hot take: budget options (2026 edition) [v3]
Quick context: I am relatively new to this and trying to find my footing. The trade-offs here are not obvious to me and I keep flip-flopping.
Been thinking about this for a while and curious what the community thinks. There is a lot of conflicting advice online and most of it is from 2019. I tried three different approaches and none of them felt quite right.
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