Author name: Baruch Niebloom

Founder @ frum.finance Software Engineer @ AWS

Protect Your Family: Frum Estate Planning (no matter your net worth)

Goal: shalom bayis + halachic integrity + smooth logistics.This guide is tiered so nobody gets scared off and everyone can act today. ⚠️ I’m not your lawyer or posek; use this to get organized, then review with a qualified estate-planning attorney in your state and your rav. If you don’t choose guardians and set your […]

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Managing Reimbursable Expenses in YNAB: How to Stay Organized and Stress-Free

Reimbursable expenses can easily complicate personal budgeting. Whether it’s covering a friend’s meal, paying for work-related expenses that will eventually be reimbursed, or fronting the money for a family outing, these scenarios can throw off your budget. YNAB (You Need A Budget) is great at keeping track of your expenses, but handling reimbursements requires a

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The Retroactive Trap: Why YNAB’s Envelope Method Stands Apart

In the realm of personal finance management, a myriad of budgeting apps claim to offer the perfect solution for tracking and managing expenses. However, most of these tools share a common shortcoming: they predominantly focus on retroactive classification of expenses rather than proactive budgeting. In the frum community, financial management takes on an additional complexity

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Matanos L’Evyonim Fund

We are thrilled to announce the Annual Matanos L’Evyonim Fund by frum.finance! Our commitment to financial stability and literacy in the Frum community is now extending to provide direct support to individuals and families facing financial hardship.  https://www.zeffy.com/en-US/donation-form/bab8cc07-b5be-47fb-933f-613976df62d8  Donate at the above link or message us if you are someone who needs the funds as a recipient.

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What is Financial Independence (FI)?

We have already visited the comparison between FI and Ramsey, now let’s explore Financial Independence by itself. The Financial Independence (FI) approach to personal finance is characterized by the following key aspects: Intentional Spending: Flexibility in Lifestyle Choices: Sustainable Savings and Investment Strategies: Long-term Financial Planning: Focus on Quality of Life: Community Engagement and Shared

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Be On The Lookout

Be On The Lookout: Deciphering Deceptive Financial Phrases In the ever-evolving financial landscape, it’s crucial to remain vigilant against misleading and often deceptive financial advice. At Frum Finance, we believe in empowering our community with the knowledge to discern fact from fiction in financial matters. This article aims to highlight common phrases across various financial

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Should you prioritize buying a house before retirement planning?

There is a popular opinion around home-buying that the earlier the better. Here is a quote from the incredible creator behind GeltGuide, Eli Fried: For a frum family, a house is a very important financial need. Our families grow quickly and because we need specific neighborhoods, the prices rise drastically as well. You need to buy a

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