Section 0: Background Hi everyone! I’m trying to tailor this a bit more to reflect the UK Money Diary style where I give context on the week before and reflect on it after. I also added in some of the questions from the recent thread about what Refinery29 should ask diarists (
see here).
I wrote this the week of Thanksgiving; my partner and I stayed in NYC instead of going home to either of our parents’ homes. We wear masks and stay socially distant when we leave the house. I’m thankful that we live close to a park and live on a block where we know and enjoy talking to our neighbors.
This was a relatively normal week for us during a pandemic, save for me spending a bit more than normal and it being Thanksgiving. We’ve both lived in the city since college and have so-so relationships with our families, so we didn’t leave for “home” when the pandemic hit.
I also just named my boyfriend instead of giving him an initial. He’s the only person I actually saw this week, but the initials always throw me off when I read these.
What do money and success mean to you? What are your end goals? It helps me to see money as a tool. I never resonate with people who say “money doesn’t buy happiness” because to a certain degree, it does. Money enables me to live the life I want.
I’m pursuing FIRE (financial independence, retire early) and hope to be financially independent (able to live off my investments) by my early 30s. To do so, I save 60%+ of my income per month. I want this because working for 40 years isn’t sustainable for me—I have a very cushy tech job and
still get anxiety and rage about waking up every morning to work, the rat race, and being paid inequitably to male peers. I’d like to give myself the option to leave this world as soon as possible.
As an alternative, I could see myself successful if I open a product consultancy, where I advise early-stage startups on product management, what to build for their MVP, and product-market fit. I’m really interested in tech ethics and the questionable practices in venture capital, so I’d love to be in a place where I could be picky about what clients I take and help truly mission-driven businesses thrive. I could see this also working as a small business incubator—why not apply what works in startups to small businesses?
I don’t yet have a firm picture of what I’d like my life to look like when I retire. I’m interested in spending a lot of time reading, traveling to new places for extended periods of time, and potentially writing a book. I get extremely interested in niche topics. Right now if I had to guess, I’d be writing a book about the ways multi-level marketing companies (MLMs) manipulate women.
Are you a spender or a saver? Definitely a saver. My partner is more of a spender, and we’ve influenced each other well. Seeing him spend money on himself for video games helps me realize I can spend more money on myself for things I just want (see my big purchase for myself this week).
In turn, seeing me save a lot of money has motivated him to up his 401k contribution and overall savings. He’s also interested in FIRE, although I’d say my timeline is more aggressive.
If you could go back in time, what's the one piece of financial advice you would give to your past self? Learn about investing, look up the terms you don’t know, and start doing it as soon as possible. Ask questions to people you know or on the internet.
On to the diary!
Section One: Assets and Debt Investment Balance $131,175
- Retirement (includes 2 company 401ks and 1 rollover IRA): $55,730
- Brokerage: $27,233
- Roth IRA: $25,439
- Managed account: $17,923
- HSA: $4,850
Equity if you're a homeowner N/A, I rent in a HCOL city. No plans to own anytime soon
Savings account balance $10,270
Checking account balance $3,433 in checking account for bills
- This fluctuates, but I try to invest anything over $2k. I’m pretty conservative with my checking account buffer, and don’t worry much about the interest I’m “losing,” especially because interest rates are so low right now
$2,518 in checking account for rent
- I keep a holdover account that’s connected to Venmo and Zelle to pay rent
Credit card debt N/A. There’s $1,348 currently on my credit cards, but I pay them all off in full each month. My parents signed me up for a credit card as soon as I was old enough and taught me about how important it was to pay in full. In fact, I think this was so hammered into my brain that doing anything other than that each month was never an option. Because of this, I’ve always thought of credit cards as similar to debit cards—only spend money you have.
Student loan debt (for what degree) I was fortunate to go to college on a full scholarship, including living expenses. I studied psychology and sociology, and I graduated without any student loan debt.
Section Two: Income Main Job Monthly Take Home: $6,570/month
I maxed out my 401k early this year, so for 8 months I was contributing $2,500/month out of my paychecks. That ended in September, so it changed my monthly take-home from about $4,650 to $6,570/month.
Deductions: - 401k: $0/month (was $2,500/month)
- Medical: $128/month
- Dental and vision: $11/month
Income Progression - I started in customer support right out of college, making $40,000/year + overtime, which ended up being about $52,000/year (thanks OT!).
- About a year later, I moved into an entry-level product role at the same company and received a raise to $60,000/year.
- The next year, I moved to a new company for a half-step promotion where I was making $82,000/year + 15% yearly bonus. The bonus was dependable enough that it was assumed as part of our total compensation, so let’s call it $95,000/year.
- Early this year, I switched companies again (noticing a theme?) for a promotion and now make $122,000/year.
I don’t have any other sources of income outside my main job. My partner makes a similar amount to me—about
$117,000/year with bonus.
Section Three: Expenses I live with my partner and we don’t have combined finances, but split many expenses 50/50. We use Splitwise to log transactions. He’s more laid-back about being paid back, but I’m much more “I don’t want to owe anyone anything, and I don’t want anyone to owe me anything” (I know, rigid, but I’m working on it!).
Splitwise is nice because it’d be ridiculous to Venmo request each other for a $4 coffee, but we can see how expenses are adding up. If someone has racked up a few hundred dollars of spending for both of us, the other person will cover our expenses for awhile. It works for us!
Rent $2,200 for a 2 bed, 1 bath apartment in Brooklyn. We split rent 50/50.
Renters insurance About $7/month for my portion. This covers all our possessions plus my boyfriend’s watches. He pays 75% of it because half of the monthly cost comes from the extra watch overage.
Savings contribution I try to have about $10,000 sitting in my savings account at any given time, because it makes me feel safe in case of an emergency. I also like the freedom it enables, in case I wanted to leave my job and take a significant amount of time off. This is already at the $10k I want, so I don’t contribute to it monthly.
Investment contribution It varies but on average I contribute $2,500/month to my brokerage account and Roth IRA (combined).
Donations I try to donate about $200/month, but it’s pretty sporadic. This month I donated to the Yellowhammer Fund and Northwest Abortion Access Fund. One of my major goals for 2021 is to step up my donations and create an actual strategy around them, potentially involving a donor-advised fund.
Gas/electric Our gas is $20-25/month and electric is $50/month. I pay gas and Will pays electric, both go in Splitwise. About $37/month total for me.
Wifi Our wifi is $60/month, which goes into Splitwise—I pay $30/month.
Cellphone I’m still on my parents’ phone plan—sheesh! This is convincing me that I should Venmo them for it each month.
Subscriptions I pay for Hulu with ads, $5.99/month. My boyfriend pays for Netflix and we share a Spotify family plan with a couple of his friends, which I chip in $4/month for.
I also pay for the budgeting software YNAB (You Need a Budget) which is $84/year. I only pay it once a year in September.
Medical I recently had to go to the emergency room for an overnight stay and follow up with some specialists. (I’m okay!) Because of that whole shindig I’m expecting to max out my deductible (and potentially my out-of-pocket-max) right at the end of the year. This will be about
$4,000, but none of the claims have come through yet so I’m not sure of the exact total. I have a category in my budget for my deductible, and the rest will come out of my emergency fund.
Physical therapy This month I’m starting pelvic floor physical therapy for dyspareunia (pain with intercourse).
I’d tried everything the internet suggested (“just relaaaaaax”) before getting the courage to find a new ob-gyn and ask her about it. She had some recommendations, but ultimately physical therapy was the “last resort” option that I’m now exploring.
My new physical therapist comes highly recommended but is out of network with insurance. Each session is
$250, and I’ll go once every 2-3 weeks for the next few months as part of treatment. If you’ve worked through this problem (or are experiencing it now!) I’d love to hear your experience.
Section Four: Additional Questions Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it? Absolutely. My dad was the first in his family to attend college and my parents made pretty calculated decisions about where they would live so I could go to the absolute best public school possible. Over 90% of students at my high school attend a 4-year college, and we start talking about it freshman year. To say college was encouraged in my environment is an understatement.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances? My dad has worked in finance since I was about 10. He’s always been really knowledgeable about both higher-level economic concepts and the minutiae of personal finance. My family is frugal, too: we clipped coupons and got clothes on super-sale at Kohl’s and Goodwill. I know there was a period of time when he became self-employed and money got very tight for a few years, but the bulk of those worries were largely kept from me.
Did you worry about money growing up? Yes. While we were comfortable, we lived in such an affluent place that our family was in “the middle class” of the town and it made me worry more about money than I probably needed to. Think The Stepford Wives for context.
At what age did you become financially responsible for yourself and do you have a financial safety net? In college, I became maybe 80% financially independent as I had a scholarship and worked part-time during school and over the summer, but I was still on their insurance.
I remember being frustrated in college because even though I knew I was extremely privileged, my friends in college had their parents pay their summer apartment rent and gave them an “allowance” of spending money, and I was “limited” by the options I could afford with the job I had. My dad told me at the time, “This is frustrating but it’s preparing you for actually having to live off the money you make in the near future.” (Great, great advice Dad.)
I’m technically still financially dependent on my parents for my cell phone bill, but otherwise I pay for everything: rent, insurance, utilities, food, therapy, and all wants in the form of clothing, workout classes, etc. I could ask my parents for money if I absolutely needed to, but would use it as a last resort.
Do you or have you ever received passive or inherited income? If yes, please explain. I have an account (mentioned above) that a family friend who’s a hedge fund manager, well, manages. I believe the initial deposit was $1000 over 10 years ago, but that money wasn’t mine either, it’s all a gift. It’s not very liquid—it’d take me several months (and some very good reasoning) to get any of that money withdrawn, since it’s supposed to be for “the future” (which I guess I could argue is now?).
I might receive a small amount of money when my grandmother passes, but it’d probably be around $1-2k, if at all.
Day 1 Wednesday, November 25, 2020 8:30am Wake up and shower, take my vitamin C gummies, then make coffee. I wasn’t much of a daily coffee drinker until my offices had it for free, and now I’m definitely addicted. I don’t really care if the coffee is shitty or not, I just put some milk in it and it’s great. Right now I’m trying to drink half or three-quarter cups so I can attempt to pull back my addiction a bit. I log onto work at 9am.
11:30am Eat leftovers from last night for lunch—quesadilla + Spanish rice. There’s an incredible Mexican restaurant by us, and now I am ruined for the tacos, quesadillas and nachos from any other place.
12:30pm Will picks me up in the U-Haul. We’re driving about 20 min away to pick up a butcher block desk he bought off Craigslist, which ends up being from a small office that’s downsizing. The desk is $150 which he pays for. We love the office’s style (and the owner is super nice!) and walk around while he shows us what else he’s trying to get rid of.
We end up buying an extra-large ZZ plant and two side tables from him for an extra $120, way less than we would have paid for the quality elsewhere. My half will be $60, and I’ll split the U-Haul too, $44.51.
$82.26 2:45pm That ended up taking a lot longer than we expected! We get back and unload the van, then I bring stuff inside while Will returns the van to the U-Haul location. I jump back onto work—so much for a slow afternoon before Thanksgiving. AWS is down, which powers a lot of our engineering work (and a lot of the internet!) so a lot of our teams are basically twiddling their thumbs. We chat about how to message the outage to customers.
5:45pm Will starts making dinner (braised chicken and veggies) and I sit down to read with a strawberry Chobani, but I end up just reading Reddit and searching for new podcasts to listen to.
7:45pm Dinner was great! Now…ice cream.
9:43pm I remember that my mom sent me ideas for her and my dad’s Christmas presents, so I order on Etsy and Amazon. My dad gets a mug with an Ernest Hemingway quote (“write drunk, edit sober”) ($21.54) and a book on writing ($16.63), and my mom gets this food warming tote contraption she wanted ($43.52). We’ve been paring down Christmases over the years—this year I asked for the Europe version of Ticket to Ride.
$81.69 11:15pm I finish up the first episode of Real Housewives of Salt Lake City with some white cheddar Cheez-Its to snack on. After, I start on the dishes from dinner. I listen to the
Product Market Misfits podcast while I do dishes—the episode with Kristen Anderson from Catch is great, highly recommend if you’re tired of just hearing stories about stereotypical Silicon Valley tech companies.
Day 1 Total: $166.69 Day 2 Thursday, November 26, 2020 10am Wake up super late since I stayed up scrolling on my phone too late last night. We make coffee and set out for a long walk around 11:15am.
12:05pm At the end of our walk, we swing by our local liquor store and buy 4 bottles of wine (red, white, rose, champagne). Will pays, total is $63.15 for everything. We haven’t had wine in the apartment for ages and I’m excited to have some stocked up.
$31.57 12:30pm Get back from the walk, shower, then turn on football. I actually don’t really care about any NFL teams (I like college football a lot more), but it’s such calming background noise for me that I find myself looking for games when I have downtime. We also recently found out that Will’s friends’ dog only has a few months to live, so we order some jerky treats and a squeaky toy for him.
$14.07 2:30pm We head out to the restaurant we’re going to for Thanksgiving lunch, a local place a short walk from our apartment. They’re doing a prix fixe menu of the classics—turkey, mashed potatoes, stuffing, green beans, and a phenomenal tarte Tatin with ice cream for dessert.
We eat outside under heat lamps. It’s super cozy. With our bottle of wine and tip the total is $208 (I try to tip over and above the norm because it’s a pandemic
and Thanksgiving). My half will be
$104.
5:53pm Get back from the restaurant. We have a ton of leftovers which is awesome (I think it’s excessive frugality, but I almost expect to stretch takeout or restaurant meals into two meals). Exchange some texts with my friends about their socially-distant Thanksgiving celebrations.
I turn on the Washington vs. Cowboys game right at the halftime show, which is Kane Brown with the Dallas Cowboys Cheerleaders. They’re all wearing masks (except for Kane) and it’s so odd to see them dancing in masks. I mean, I’m glad they’re wearing them, but it just seems like we could have gone without the halftime show this year.
9:21pm I order contacts from Contacts Direct. I got a new prescription but didn’t have a great experience with the eye doctor, so I’m hesitant about this order—only ordered one box of 90 lenses for each eye instead of a year’s worth of lenses. I’ve been getting headaches pretty frequently, so I’m hoping getting a new pair of glasses and alternating those (instead of wearing my contacts for 16 hours a day, every day) will help.
$29.98 after insurance benefits
Day 2 Total: $179.62
Day 3 Friday, November 27 8:56am Wake up super last minute, run to sign onto Slack and then start grinding coffee beans. I’m online and drinking a big mug of coffee by 9:10. (So much for half cups.)
10:45am Come up for air from work and grab the stuff to make a bagel. Everything bagels and plain cream cheese are my go-to combo.
12:03pm I grab a bag of clothes to drop off at the donation bin and a couple library books to return. The library is about a 25 minute walk so it’ll be a nice lunch break diversion.
12:56pm After the library I stop by the grocery store for some paper towels and sponges, since we’re almost out. Total is $22.62, my half is
$11.31 1:09pm When I get home I jump back into work and put the USA vs. Netherlands game on my second monitor. By the 75th minute, the US is up by 2 goals so they start putting in some younger players—it’s fun to see Midge Purce and Sophia Smith play! I also throw some bagel bites in the oven for a quick snack and promise myself dinner will be healthier.
4:23pm I zone out of work and start playing Among Us. I end up playing for over two hours. We open a bottle of wine at some point and I get super tipsy.
6:50pm Turn on the tail end of the Notre Dame vs. UNC game. It turns into Jeopardy, which turns into Wheel of Fortune, which I’m not mad about. P isn’t as into the game shows and leaves to microwave a plate of leftovers from Thanksgiving dinner and play video games.
8:40pm Finally getting hungry after my bagel bites and Cheez-Its this afternoon and make a plate of Thanksgiving leftovers—turkey, mashed potatoes, green beans and cauliflower. Yum.
Will and I end up getting in a tiff about the mess in our apartment so we take a break, cool down and talk it through. I watch a couple episodes of Sister Wives and go to bed around 1:30am.
Day 3 Total: $11.31
Day 4 Saturday, November 28, 2020 10:05am I stayed up late (again) so it’s nice to sleep in. I play Among Us for awhile and have a couple rounds where I’m the impostor and get some great kills and wins. I run out into the living room and celebrate with Will. We laugh because it’s silly how much we love the games we play. Around 10:45 I start making coffee.
11am We desperately need new sheets because our fitted sheet has a huge hole at Will’s feet (and it’s growing). I search a women’s personal finance group I’m in on Facebook for recommendations and we end up buying a queen sheet set from Belk. Total was $100.71 with their sale.
$50.35 1pm I was planning on returning a package to the post office today, but forget it closes at 1pm on Saturdays so I decide to run to Target instead. I have a lampshade to return and want to look for a shower caddy as well. I also have an old iPad to return, which Will tells me I can do at Best Buy. He finds an old iPod and flip phone I can take too.
Take the MTA there ($2.75 for a single fare). When I get there, it’s a madhouse and I remember that I have sillily (is this a word?) decided to come on the weekend of Black Friday. I stand in the returns line for about 15 minutes and get $10.89 back, but ditch the idea of trying to look for a shower caddy. The checkout line looks like 100 people long.
-$8.14 because of return Next I go to Best Buy, but who am I kidding—the line to get in the store is even longer than the Target checkout line. I walk back to the subway and get on to go home.
$2.75 2:30pm Since Best Buy was a no go, I search for electronic recycling around me on the way home just to see where I could drop off the devices I have. Apparently there’s an EcoATM not too far from my subway stop. It’s more for selling devices, but if they can’t give you money for something, they’ll recycle it, which is exactly what I wanted. I put each of the pieces in the scanner, and end up getting a whopping $2 total (for Will’s old iPod). Still cool because I was just expecting to recycle it all. I’ll give Will the $2.
2:44pm There’s a Dunkin nearby so I pop in to grab a couple donuts ($2.90). There’s a woman outside asking for money, so I give her $5 cash.
$7.90 3:00pm Last stop—our favorite deli is nearby and Will mentioned he wanted to get bacon there recently. I get a 1/2 lb and salivate on the way home. This is one of those things I won’t put in Splitwise because it’s small and because it’s fun to get for P as a tiny little present.
$3.50 3:45pm Once I’m home I’m super hungry from only eating carbs all morning so I have a snack of carrots, hummus and some pepperoni. I head back out to drop off a bag of clothes and shoes at a drop box a few blocks away. The neighbors are outside at the park near our house so I stop and chat with them for a few minutes. Their kids are the cutest.
6:47pm For dinner I make a ham and cheese sandwich (panini style with rosemary butter) and more carrots and hummus. I put on another episode of Sister Wives. These people are so fascinating to me—first off, I think the husband is completely full of himself. But I’m also so curious about the wives. There are a lot of talking head testimonials where the parents explain that they’re “oppressed” because they’re different and want to go public so the world can see polygamy as a valid family style (I’m only on season 2).
I know they’re probably playing up the “we love our other sister wives and have so much fun together even without Kody” aspect because people expect sister wives to be catty and hate each other, but I can’t help but wonder why they need to be in plural marriage to get the same friendship they seem to value so much. I also doubt they’d extend the same grace and tolerance they want to people who are “different” because they’re LGBTQ, or “different” because they’re in an open relationship or marriage.
9:15pm I mix together oatmeal chocolate chip cookie batter and put some cookies in the oven. While I’m waiting, I browse Zocdoc for well-reviewed providers—I want to make a podiatrist appointment for a lingering toe issue and an audiologist appointment for a routine hearing screening. I got the idea to make these appointments since I’ll hit my out-of-pocket max with the hospital visit, making them free or very discounted. I make two appointments for next week.
I also lust over a Farm Rio puffer jacket that feels overpriced but I just love. Maybe I’ll buy it tomorrow since they’re having a 30% off sale.
Day 4 Total: $64.50
Day 5 Sunday, November 29 8:58am Wake up and switch between scrolling on Reddit and playing a few Among Us games. After a bit Will gets out of bed and makes coffee for us.
9:45am Will finishes the movie he started last night and we start on breakfast. We’re making the bacon I bought yesterday, breakfast potatoes with onions, and a fried egg for Will (I can’t stand the taste or smell).
11:00am Yum! Breakfast was great. I watch a couple episodes of Sister Wives and mull over buying that ridiculous but amazing puffer jacket from Farm Rio. I’ve still been thinking about it since last night and I might take the plunge.
1:25pm I get a jolt of motivation to work out and do a 20 minute Sydney Cummings video on Youtube. I heard about it from a recent Money Diary posted here! After it’s done I’m so, so tired. I stretch and unpause my episode of Sister Wives.
2:22pm I help Will move the butcher block slab for his desk out to our backyard. We live on the first floor of a single-family home that was converted into apartments, so we get the backyard too—it’s awesome to have outdoor space in the city. P works on sanding it and applying poly for the next couple hours.
5:07pm Will suggests pizza for dinner and I am always, always down for pizza. I order pickup from the spot down the street—one grandma, one cheese and 2 orders of garlic knots come to $38.60. We’ll have leftovers for tomorrow too.
$19.30 5:50pm We pick up the pizza and dig in. While we’re eating we turn on the Chiefs vs. Buccaneers game; Will has a few players on his fantasy team in this game.
6:57pm I sign up to write letters to Georgia residents encouraging them to vote in the Senate runoff elections in January. This is through Vote Forward—I did 20 letters for the general election in November and want to participate again. I’ll print the letters at a local coffee shop since we don’t have a printer at home.
Will sends me
this Reddit comment about campaign finance since we’ve been talking about it recently. I decide I’m convinced by the argument and set up a $5 monthly donation to Brand New Congress.
$5 8:19pm After texting back and forth with my friend all day, I buy the puffer jacket—so excited. She encouraged me to get it and is pumped for me too.
$228.64 I also notice my paycheck has started processing in my checking account (I get paid tomorrow), so I enter the amount in YNAB and budget it all. I earmark about $1500 to go into my brokerage account tomorrow. I won’t include it here as “spending” since it’s included in the overview section above.
Day 5 Total: $252.94
Day 6 Monday, November 30 8:43am Wake up and turn on my Slack. Will started the coffee process and I finish it up by pouring the water into our Chemex and letting it steep (I know there’s a coffee-centric word for this...).
8:56am I check my Citi card and my YouTube TV trial rolled over—I was going to cancel it this morning, which I thought was the last day. I email support to see if they’ll refund me, because (I promise I’m not just saying this!) I did have a pretty bad experience. The Roku app was glitchy for us every time we watched something. Maybe they’ll feel nice today!
$64.99 9:35am After responding to a few work messages, I run out the door to the post office to avoid a long package line. I did the Warby Parker 5-day home try on and have to return my box of glasses today. I found a pair I really like and am excited to get in the habit of wearing glasses again, instead of just my contacts.
Thankfully the line is only a few people long. The employees are also super nice every time I go, so I try to be really pleasant too. The lines are usually long and I’ve seen more than one adult have a fit at this post office. It’s rainy today and I couldn’t find our umbrella, so my flimsy rain jacket gets pretty soaked through on the walk back.
11:35am My podiatrist appointment is supposed to be tomorrow morning, and they call me to tell me since I haven’t hit my deductible, I’ll have to pay out of pocket for the visit. I explain that I’m 100% going to hit my deductible, the claims from the hospital just haven’t processed yet. I ask her to bill my insurance first for the visit, then I can pay whatever ends up not being covered (if anything). She agrees!
Maybe this is standard, but I’ve never had it happen before—even if I haven’t hit my deductible, I’ve always been to offices that bill insurance first, then I pay the remaining balance.
1:05pm Lots of meetings today. I break for lunch and heat up the braised chicken with veggies. It’s definitely on its last good day, so I’m glad I used it up. Still yummy!
2:20pm Woohoo! Get an email that my YouTube TV charge was refunded.
-$64.99 Will ran to Home Depot today to buy some tools for his desk and also got a shower curtain liner since ours is ripping. I go to put it up in the bathroom but my arms are so sore—like I got my flu shot type of sore.
5:05pm Sign off work after trying to wrangle a supremely frustrating SQL query. I don’t get it but figure I can ask our analyst team for help tomorrow. Will will have a late night working, so pizza and Sister Wives is in my near future.
While watching, I update YNAB to reflect the end-of-month balances for my investment accounts. I get a huge dopamine hit by seeing my net worth number go up. I’m also anticipating it going down a bit next month because of my medical bills, so I relish the moment.
8:09pm It suddenly dawns on me that my arms are sore because I worked out yesterday. It’s so rare now that I literally forget when I do it. Ha!
9:15pm We watch the Eagles vs. Seahawks game and I absentmindedly play Among Us. I end up getting ...bullied by a person playing it? They get mad that I figured out they were the imposter and start saying all these schoolyard-type digs throughout the next couple rounds, but level 100 of cruel.
I’m embarrassed by how sad it makes me but think maybe it’s a good thing I don’t immediately know what to say to bully people back. Such a weird experience. I end up going to bed around 11:30.
Day 6 Total: $0
Day 7 December 1, 2020 7:07am Wake up late for my alarm at 7. I’m up a lot earlier today because my podiatrist appointment is first thing. I get dressed in the dark, kiss P goodbye, grab my water bottle and run out the door to the subway by 7:30.
$2.75 8:10am Get to my stop and swing by Starbucks before the appointment. I get a vanilla latte and the bacon cheddar and egg sandwich. Total is around $10 but I have a gift card loaded onto my Starbucks app.
My spending here went way down when I switched jobs to an office not close to a Starbucks, and then stopped going into an office at all.
8:30am My appointment goes great, if a little painful when she numbs my toe. I had to get an ingrown toenail removed. I danced ballet and pointe for years so I’m (unfortunately) used to them, but this one was terrible. The doctor and I bond over both being dancers with bad feet and they schedule me for a follow up two weeks out.
She actually says there’s been a rise in these procedures because people aren’t getting pedicures since the pandemic and aren’t cutting their toenails well! Wild.
I look silly on the subway in December wearing Birkenstocks and socks with a huge toe bandage. It looks like one of those cartoon characters who stubs their toe and it becomes 10x bigger than their other toes.
$2.75 9:40am I get off at the stop before mine to stop at Rite Aid. I grab Neosporin, band-aids and epsom salt and check my notes for anything else she mentioned about caring for my toe.
$12.97 10:00am When I get home, I hop into work and working with our engineers on a promotion for the New Year. I also catch up with Will since he stayed up late last night and I got up early for my appointment. He says he ended up staying up until 3:30am (!!) cleaning up his tools, working on his desk and putting up the shower curtain. I’m floored that he is functional right now after waking up at 8.
12:15pm Heat up the last of the pizza for lunch, along with hummus and carrots.
5:20pm Work is average-paced for the rest of the day. Not doing nothing, not totally over my head. Will puts in potatoes for baked potatoes to have later, which we’ll pair with a salad. We’re getting close to needing a grocery run again, so the meals are becoming more of a mishmash.
We listed a couple things on our local Buy Nothing group last week, so a woman comes by to pick up a wifi router we can’t use anymore. Would totally recommend looking up if there’s a group in your area—they’re usually on Facebook.
6:30pm After dinner I watch more Sister Wives and look up RIP Medical Debt, a nonprofit one of my friends shared for Giving Tuesday. They buy unpaid medical debt from collections, so $1 ends up paying off $100 of someone’s medical debt. I give $50 to the Arkansas campaign, which will clear $5,000 of medical debt.
As Will said earlier today, “medical billing in America is a racket” so I really hope this helps clear a burden from an individual or family. Doing this reminds me to check my insurance portal, which is steadily going up as each separate claim comes in. Ahhhh, modern healthcare!
$51.49 At the end of each day please tally up your daily expenses. Then at the end of your diary please tally up all expenses in the following categories: Total: $719.33 - Grocery + Dining Out: $157.77
- Fun + Entertainment: $0
- Home + Health: $164.67
- Clothes + Beauty: $228.64
- Transportation: $11.00
- Gifts + Giving: $157.25
Reflection This week felt like a big spending week for me. I checked YNAB and since January, I’ve spent about $1600 per month, not including rent—so about $400/week. That’s why this week’s $719 feels so high!
Writing this diary helped me understand how many things I have going for me. I’ve recently been in a huge funk—about my health, my performance at work and my relationships with family, friends and P. Going to the hospital, needing physical therapy to have sex and being in a pandemic will do that to you.
I was able to zoom out a bit and understand how stable and gratifying my life is. That being said, I’m so glad this community exists. I really love it and learning about all your spending and saving habits. Thanks for being here and sharing :)
submitted by I’d like to preface this post by stating this is my first proper DD that I’ve publicly submitted. I’ve been a follower of
stocks for nearly 4 years now, mostly lurking and absorbing information. This is my way of thanking this community for helping me begin my investment journey and helping me mature into financial adulthood. I also think it’s necessary for me to make this point because lately I’ve noticed a concern with new accounts attempting to pump HYLN, which isn’t my intention nor is it something that I approve of as it leads to volatility. I plan to hold HYLN long-term (at the very least until I can avoid short-term capital gains tax before I start accepting
some of my gains). Before I begin I want to emphasize that
this is not a pump stock, the short-sellers need to stop treating it as one. If you invested in this stock during the merger then short of accepting your losses you are now a long-term investor (1-2 years). Consider it a lesson learned and perhaps one that will pay for itself.
Onto the meat.
Explaining Hyliion
https://www.hyliion.com/ Hyliion (pronounced Hi-Lee-On) stands for HYbrid-LIthium-IOn. They're a company located in Austin, TX and led by a young CEO by the name of Thomas Healy. They offer electrified powertrain conversion systems for Class 8 fleet semi-trucks, effectively converting a diesel or natural gas powered semi-truck into a hybrid by replacing the powerhouse of the rear-most rear-axle with a battery-powered axle (think “Toyota Prius” functionality but on a larger scale). They're also preparing a roll-out of their fully electric semi-truck known as the Hypertruck ERX. Their products are designed to improve performance and lower cost of ownership while leveraging the already-existing alternative fuel infrastructure.
The hype factor surrounding the company appears to have helped potential clients pursue their company with interest instead of their company chasing clients, I see this as a huge win for them, as does Thomas Healy (1).
This hype factor, for better or worse, found its way into the retail investor’s strategy as well. The stock price climbed 500% within a few months. Despite being due for a correction many gambled on the hypothesis that the price would continue to rise after the merger. Unfortunately, the week prior and during the merger resulted in a lot of unplanned activity leading to an increase in volatility. During the merger there were eight proposals that Hyliion was pushing to be approved prior to completing the merger and being listed on the stock exchange. All passed but one; Proposal 3. Proposal 3 was set to classify the board of directors, however this proposal failed to pass by popular vote of the investors for the general reason summarized by one large investor below:
One large investor, Kevin Jenkins of Utah Advisors, said his firm voted against proposal three in order to balance power between stockholders and the board. A classified board can make it harder for stockholders to force changes on a company when things go wrong. Jenkins cited recent troubles at Nikola as a recent example of such conflicts. (2)
This immediately resulted in the initial downward trend of the stock’s price. There was a lot of uncertainty in the air surrounding the merger and the future of the company (false rumors stating that “the merger cannot pass without this proposal” surfaced leading to more fear for the new-term future) and caused doubt for many retail investors. Hyliion extended the voting exclusively for Proposal 3 by an additional two days to recount and offer additional time to vote for those who didn’t. Proposal 3 failed again and once again the price of the stock dropped. The key to what happened on Wednesday however is that Hyliion confirmed that the merger would still be taking place on that Friday, and the ticker would change to HYLN at some point in the following week for all brokerages (the timing varies between them). This all seemed to line up once again until the unexpected happened at the worst time, the Thursday evening prior to the ticker change President Trump confirmed via Twitter that he tested positive for CoVid-19. The markets tanked and Hyliion was hit about as hard as you could imagine.
Eventually, the merger went through and now we can move onto talking about what this company offers for the future of the Class 8 semi-truck industry!
Product 1: The Hybrid-Electric Product
The hybrid conversion products are available for order and fitting TODAY and can be optioned to cost between $36,000 and $40,000 per unit (7). It's a product that's universally compatible between all trucking OEMs (it's already been featured mounted to a 2020 Freightliner Cascadia in front of the NYSE and Thomas Healy has confirmed that it can be installed on all other CLASS 8 manufacturers as well including Peterbilt, Volvo, Mack, Kenworth and International).
The front most rear axle is still driven by the truck's factory engine, however the rear most rear axle is 100% electric-drive. A keynote is that this product is not manufactured in house, it’s manufactured by DANA; an industry leading supplier of drivetrain, axle and electrified propulsion components. DANA holds a stake in HYLN equity (12).
Two options for the hybrid conversion unit exist. They can be installed on both a used truck as well as a brand-new truck while retaining the manufacturer’s warranty. I’ll briefly cover them both below:
The Hybrid Diesel Unit Essentially taking your typical diesel-powered semi-trucks and fitting them with a battery-powered rear most rear axle. The battery system can be installed on nearly every OEM’s Class 8 semi-truck with no additional driver training required. The unit weighs 695lbs and adds ~1500 ft lbs. of torque and 120hp capability to the semi-truck, offering immediately improved performance and efficiency. The software (created in-house) offers advanced analytics that maximize fuel economy by determining precisely when to utilize the captured energy, keeping the truck in an efficient operating range (4) with assistance through the power of regenerative braking that supplements the jake brake (a generally prohibited noisy brake that brakes the engine by loss of energy that would otherwise be used to turn the engine’s crankshaft) and reduces the truck’s brake wear thereby reducing maintenance on this component of the vehicle as an additional bonus.
During a vlog test-drive with the hardware (7), two truckers summarized their opinion on the hybrid conversion system using the following points:
- It “feels and runs just like a regular diesel truck”.
- Saves on fuel.
- The increased performance is very welcomed, especially during up-hill driving.
- The software offers a “points system” that keeps track of the driving habits of the driver, keeping them conscious of their driving decisions and helping them save money through efficiency.
The Hybrid Compressed Natural Gas (CNG) Unit This hardware is identical to the hardware utilized for the hybrid-diesel unit. CNG trucks are generally underpowered when compared to their diesel counterparts, this product assists the CNG trucks in gaining performance by storing energy on down hill roads and flat terrains to assist in accelerating the truck up the next inclined road. The additional power figures help supplement additional payload as well, allowing for tandem sets to be pulled by CNG trucks (a trait generally exclusive to diesel-powered trucks). Again, the beauty of this product shines from the software that uses algorithms designed to take advantage of previously collected hill data based on terrain and location to maximize climbing power (5).
A common retort I’ve seen by the investing community is that “hybrids aren’t the future, electric is”. I agree, however I also believe that the hybrid solution is the short-term, necessary steppingstone to the electric future. Hyliion has a plan for the future as well. Let's move onto that.
Product 2: The Hypertruck ERX
Enter the ERX. This is their fully electric-drive truck. The rear axle is driven solely by an electric motor with battery cells provided by Toshiba and packaged and managed in-house by Hyliion (8). When the truck’s battery power is low an under-the-hood generator turns on, converting renewable natural gas produced by biowaste to charge the battery thus delaying the need for a grid-charge. This results in the Hypertruck ERX producing NET-NEGATIVE CARBON EMISSIONS.
Page 9 of their investor presentation offers the following comparison between their Hypertruck ERX, Tesla’s Battery-Electric Vehicle (BEV) and Nikola’s scam product:
https://i.imgur.com/v59n7lQ.png The truck offers 1,300 miles of range with a larger payload than the competition and shorter recharging time than a Tesla:
https://i.imgur.com/KKv4tzb.png Product 3: The Batteries & Software
The battery packaging, modules and management systems (software controlling the functionality of the battery) are built in-house by Hyliion. The lithium-ion battery cells are sourced from Toshiba.
Hyliion’s software is a key product that appears to be overlooked by many investors. The software works off of driving habits and locations to allow for a more efficient battery life, prolonging drivability between refuels as well as increased efficiency and the pat on the back knowing that you're utilizing renewable resources. Thomas Healy has stated that one of their company’s goals is to work with the battery cells that are provided to them and configure the functionality of the batteries with their software to outlast the truck's lifespan; instead of evolving the batteries they are evolving the software that can make the current-existing technology
better.
Clients
Below is a list of target customers. Do with this information what you will as most of them have not been confirmed at this time but being focused on such heavy hitters provides a very positive outlook for the investors:
https://i.imgur.com/UxSQ3Ra.png - The logistics company “Agility” has confirmed a pre-order of 1,000 Hypertruck ERX vehicles (featuring a $5,000 deposit per truck). The initial fleet demonstration vehicles are expected to be delivered at some point in 2021, with volume shipments scheduled for 2022 for all clients. Agility also invested in HYLN pre-merger.
- Wegmans, a grocer that offers 103 stores and two distribution centers across seven states, has paired with Hyliion for their CNG conversion product. They recently purchased two brand new Volvo CNG semi-trucks, one that is being used to test the Hyliion CNG conversion system. Wegmans' statement on this product is quoted as “a true performance game changer that gives the truck enough torque and horsepower to pull a tandem set” (13). Prior to Hyliion’s conversion system the only trucks they had that could pull a tandem set were diesel-powered. Wegmans has a history of pushing for renewables. Their assuring stance on Hyliion’s product bodes well for Hyliion’s company, investors and their future clients.
- Penske is another target client that recently purchased into the conversion product. They started with converting three trucks with "the remainder being delivered throughout the year" (14).
- Saving the dessert for last. This is not a confirmed client, but this was a very interesting find to come across. In the beginning of this video, showing off the ERX: (SOURCE WAS YOUTUBE - REMOVED - I didn't realize I can't use YouTube links in my posts, instead please reference the screenshots below - if you're interested feel free to PM me for the actual link to the video). If you look closely, you’ll see what appears to be an H-E-B (a supermarket grocery chain based in San Antonio Texas) semi-truck: https://i.imgur.com/QoQtxHx.png Here’s an image I pulled from the internet that shows what their semi-truck looks like in full: https://i.imgur.com/2RUknKA.png This may only be the beginning of the rumor, but it seems likely that HEB is testing Hyliion’s conversion product. After all, they are on Hyliion’s “Target Customers” list featured in the image at the beginning of this section.
Competition
I should begin this segment by stating that at this moment Hyliion does NOT have any competition when it comes to hybrid conversion technology for Class 8 semi-trucks.
Tesla Tesla has plans to build battery-powered semi-trucks at the cost of ~$200,000 per truck, with an expected range of 500 miles (compared to Hyliion’s 1300 miles with the ERX). I think that they are a very competent competitor however they have many fine lines left to iron out and like Hyliion, the strength of their position in this sector is still completely unknown. They’re dominating the retail consumer EV market but that can’t be compared to the truck market. I also don’t believe that autonomous trucking will become the norm any time soon (lobbyists and lawsuits will push this back for years if not decades). An advantage for Hyliion here is timing; they're ahead of the game with their products already available for testing, analytics and purchase.
Throughout my DD I’ve found myself reading trucking blogs and watching trucking vlogs. I’ve noticed that truck drivers tend to be “old school” and particular people. I can’t imagine that the interior minimalistic qualities that Tesla is known for will be popular with those clients (chains like WalMart won’t care what their truckers like or dislike which renders this point moot in that sense, however the many smaller chains and retail drivers will consider this point in their decision).
Nikola Motors They’re under investigation by the SEC amid fraud allegations, and the CEO Trevor Milton has since stepped down from his position within the company. Not only that but GM have pushed back their contract to renegotiate their terms given the company’s recent headlines in the news. At this moment I don't think it's reasonable to consider their company a competitor to anyone.
Concerns
I can’t trust someone’s DD unless if it contains some potential negatives about the company, so I couldn’t expect you to read through mine without knowing what concerns I have about Hyliion's future:
- They’re a newly offered company that’s only a few years old with a young, unproven albeit ambitious and driven CEO. How will he handle the title of "youngest billionaire"? How will he handle potentially delayed earnings in the future? Will he reallocate funds properly in his company? How does he interview his potential peers and under what basis does he hire on?
- Their revenue won't ramp up for at least a year. They’re expecting $1,000,000 in revenue by the end of 2020, and $8,000,000 by 2021. The expected earnings increase at an ambitious rate and right now we don’t know how competently the company will be run in the long term. Their expected earnings from 2020-2024 can be seen here: https://i.imgur.com/QC1F5Pj.png
- Their social media presence isn't up to par with what the investors were expecting. Thomas Healy has promised to be more active on social media, but people want more. He went from never posting anything to posting once every couple of weeks. People are expecting a Trevor Milton tier of pumping which they won't receive, but I think it'd be nice to hear from him a bit more often so that we know he's still alive, at least. Obtaining a closer relationship with your investors is never a bad idea either. I noticed that Hyliion is looking for a VP of Marketing at this moment, perhaps that person will assist here.
If you made it this far I commend you and appreciate your time. We’re here to become better traders and if you have any critiques or corrections regarding my DD I’m happy to acknowledge them.
NOTE: Some of my sources were removed. I didn't realize that YouTube links cannot be referenced in posts. I understand the reasoning (people will pump their own channels), but it's an inconvenience here. If anyone wants the direct links I am happy to PM them to you. The background to HYLN and how they came to IPO has also been removed under Rule #7, if anyone is interested in the full details regarding their merger feel free to message me directly.
Sources:
1.) REMOVED
2.)
https://theheadlinereporter.com/tort oise-approves-hyliion-deal/
3.)
https://www.hyliion.com/hybrid-diesel/ 4.)
https://www.hyliion.com/technology/ 5.)
https://www.hyliion.com/hybrid-cng/ 6.) REMOVED
7.) REMOVED
8.) REMOVED
9.)
https://www.tesla.com/semi 10.)
https://www.sec.gov/Archives/edgadata/1759631/000121390020015311/ea123187ex99-3_tortoiseacq.htm 11.)
https://www.hyliion.com/hyliion-launches-fully-electric-powertrain-announces-1000-truck-pre-order-with-global-logistics-leader-agility/ 12.)
https://www.fleetowner.com/running-green/article/21703564/dana-takes-stake-in-hyliion-in-another-boost-for-electrification 13.)
https://www.wegmans.com/news-media/articles/partnership-with-hyliion-american-natural-gas/ 14.)
https://www.truckinginfo.com/351995/hyliion-delivers-first-class-8-hybrid-vehicles-to-penske Get up to
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- Deposit $200 or more in crypto to receive your $20 in free Bitcoin bonus like Bitcoin, Ethereum and USD stablecoin. Bitcoin bonus is locked for 30 days after qualifying deposit and after 30 days you can keep or withdraw it. DO NOT WITHDRAW any crypto from your account during the 30 days after qualifying deposit OR YOU WILL LOSE the bonus. Wait until the bonus is unlocked.
- Go to Profile -> Enter a Promo Code and input promo code TRUST to earn additional $50 in free Bitcoin after making any crypto deposit of $2000 or more!
- Go to Profile -> Enter a Promo Code and input promo code BTC to earn additional $30 in free Bitcoin after making a Bitcoin deposit of $2000 or more!
At the moment you can't link a bank account to deposit cash to your
Celsius Network account so you'll need to use
Coinbase,
Binance US,
Crypto.com or
Gemini to buy crypto like
Bitcoin or
USDC and transfer to your Celsius account. Then transfer back to cash out and back to your bank.
Remember to use my Celsius Network referral link -
https://celsiusnetwork.app.link/1891962be1 or use promo code
1891962be1 during registration to get your first $20 in free Bitcoin and enter the additional promo codes after successful registration for more free Bitcoin.
In summary, you will earn a total of
$100 in free Bitcoin into your Celsius Network account within 30 days.
Thank you!
Crypto.com ($25 Cash Bonus + Up to 12% APY Interest)
Get
$50 free cash bonus when you signup and open a
Crypto.com account (
https://platinum.crypto.com/bcsbb2r465) or use referral code
bcsbb2r465 during registration. After you
buy and hold 2500 CRO (Crypto.com) tokens, the
$25 cash bonus is unlocked to your wallet to spend with your
free MCO Visa prepaid card which
earns up to 5% cashback on all purchases with free Netflix, Spotify and Amazon Prime membership! This offer is available to all users globally!
Crypto.com is the best place to
buy and sell cryptocurrency with fees as low as 0.10%. Plus you'll earn
up to 8% interest per year on the cryptos you deposit into your Crypto.com account like
Bitcoin,
Ethereum,
Litecoin,
Binance Coin, and PAX Gold. You'll earn up to
12% interest per year on stablecoin deposits like USDT, USDC, DAI, PAX, GUSD and
TGBP. Interest is paid weekly!
You can buy
2500 MCO (Crypto.com) tokens via the Crypto.com app with bank transfer, credit card or crypto like Bitcoin. 2500 CRO will cost between $220 to $250 depending on the price of CRO tokens. The 2500 CRO tokens will be locked up for 6 months.
Visit
https://platinum.crypto.com/bcsbb2r465 or download the Crypto.com app for iOS or Android and use my referral code
bcsbb2r465 during registration to get your instant $25 cash bonus.
ZenGo ($10 Cash Bonus)
Get
free $10 USDC cash back when you download and signup for the
ZenGo Crypto Wallet App (
https://get.zengo.com/invite/?code=ZENEBJ94) with referral promo code
ZENEBJ94 and
buy at least $200 or more in crypto (like Bitcoin and Ethereum). ZenGo is a non-custodial wallet and available to all users globally including US, Europe and Asia.
You will earn a
one-time cashback reward of 10 USDC from ZenGo when you
purchase 200 USD or more of crypto in the ZenGo app.
This can be achieved with a single purchase or multiple purchases. After you receive the bonus, you can transfer it to an external wallet or exchange it for another crypto like Bitcoin.
ZenGo App is available on iOS and Android! Buying crypto in ZenGo is easy and safe. You can buy Bitcoin (BTC), Ethereum (ETH), USD Coin (USDC), and more with your credit card (Visa and Mastercard), Apple Pay (Visa and Mastercard), bank transfer (SEPA and Swift), or debit card (Maestro).
ZenGo allows you to send crypto to any address with no minimums, maximums or extra fees plus you can earn interest on your cryptocurrencies with no lockups and high APRs!
Sign up for ZenGo at
https://get.zengo.com/invite/?code=ZENEBJ94 or use referral code
ZENEBJ94 during registration to receive your free $10 USDC cash back after you buy $200 or more in crypto.
Thank you!
Gemini ($10 in Free Bitcoin)
Get
$10 in free Bitcoin when you signup for
Gemini, a US-based regulated and licensed cryptocurrency exchange. This offer is available to
NEW USERS ONLY residing in the United States, United Kingdom, Canada, Hong Kong, Singapore, and South Korea.
Follow these steps:
- Sign up for a Gemini account with my referral link at https://gemini.com/share/mllyldt7 (new users only)
- Verify your identity
- Link your bank account and deposit $100 or more
- Buy or Sell 100 USD of any crypto within 30 days of opening an account and Gemini will deposit your bonus of $10 worth of Bitcoin within a day.
After you receive your
free $10 of Bitcoin, you can sell your cryptos and transfer the cash back to your bank! Gemini also allows you to
transfer any crypto to an external wallet for
free with no withdrawal fees.
Gemini is regulated by the
New York State Department of Financial Services (NYSDFS) and was founded in 2014 by Cameron and Tyler Winklevoss.
Thank you!
Coinbase ($10 in Free Bitcoin + $170 in Bonus Crypto)
Sign up for a
Coinbase cryptocurrency account (
https://www.coinbase.com/join/5a29d6adad50d7010b47bac0) and get
$10 of free Bitcoin (BTC) after you
buy or sell $100 or more in cryptocurrency like Bitcoin, Ethereum, and Bitcoin Cash. You will also need to verify your identity. This offer is available to all customers globally!
In addition, get
$43 in free BAND Token by visiting
https://coinbase.com/earn/band/invite/nqcpf2yz by watching tutorials and answering simple questions about cryptocurrency with
Coinbase Earn! You'll also get additional free cryptocurrencies without any deposit or trading required. You can easily make up to $180 in free cryptocurrency and cash out the money back to your bank!
You can also earn 0.15% annual interest holding USDC tokens (for US customers) and 4% annual interest staking Tezos tokens (for US, UK, and EU customers)! Coinbase is one of the most trusted and easiest place to buy, sell, and manage your digital currency portfolio and its available in 100+ countries around the world! Coinbase allows you to deposit/withdrawal funds via
free bank transfer,
credit/debit card or
bank wire.
Remember to use my referral link to get your
$10 of free Bitcoin after trading $100 or more in crypto plus another $170 in free crypto bonuses -
https://www.coinbase.com/join/5a29d6adad50d7010b47bac0 If you already have a Coinbase account, you get
$43 in free BAND Token by visiting the following referral links:
Thank you!
Crypterium ($5 Cash Bonus)
Have you tried the Crypterium Crypto Wallet App for iOS and Android? Sign up for
Crypterium at
https://crypterium.app.link/DU5iX9vsDY (or use referral code
cdgy4 during signup) and get a
$5 cash bonus by
verifying your identity and
make a transaction worth €50/$60 or more (like buy or sell crypto) via the Crypterium Wallet app. The bonus is deposited within 72 hours.
Crypterium lets you buy, send, exchange or cash out crypto, and even get the first global crypto card! The
Crypterium Wallet is regarded as one of the most promising fintech solutions by KPMG and H2 Ventures. Making crypto as easy to spend as cash!
Plus for a limited time, get a Crypto Loan in USDT from Crypterium for
0% interest for up to 12 months by using Bitcoin or Ethereum as collateral. Get approved in as little as 30 seconds without credit checks!
The Crypterium App supports cryptocurrencies such as Bitcoin, Ethereum, Litecoin, Bitcoin Cash, CRPT, XRP, LINK, MKR, QASH, BAT, ZRX, REP, OMG, USDC, USDT, DAI, and EURS.
Register at
https://crypterium.app.link/DU5iX9vsDY to receive a link to download the app or use my referral code
cdgy4 during signup at
https://crypterium.com and get your
$5 cash bonus!
Thank you!
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