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Jan 10, 2019
8:55:21am
Acorn All-American
For a given year, I have paid in just about every month of the year
January, February, March, December, etc. So, technically except when I paid in December, it was prepaid in some form. Over time, narrow definitions of things like:

"Tithing Fund"
"Mission Fund"
"Kids College Fund"
"New Car Fund"
"Emergency Fund"
"New House Fund"
"Roof Replacement Fund"
Etc.

Morphed into two things:

1. Brokerage Account
2. Money Market Account

I am not an "envelope" guy. I generally think of everything as pooled. So I am always investing independent of how it gets spent. In my narrative, I explain it more as an "envelope" process, because as people start, they tend to think in envelopes or buckets. For me, I would add up all of the buckets (in the above list) and see if I was fully funded or short, per the two accounts, and address it as a whole. As part of that, I look at my cash needs for the next several years and make sure I have reallocated to cash as needed, to derisk out of the brokerage account and equity investments.

When it comes to timing of "paying" tithing, I generally "sell" (aka donate) when I think it is a good time to take a profit, or I want to derisk to cash based on the needs.

Is that an answer to your question? I think for me, it is kind of an N/A on prepaid or in arrears.

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"We will fight, day or night. Rain or snow. There is no mention of fair weather." By a CB Poster but I can't remember who...

The Mighty Acorns was my high school mascot?!

Let's get to a 16 team football playoff. Bigger than March Madness.

Originally posted on Jan 10, 2019 at 8:55:21am
Message modified by Acorn on Jan 10, 2019 at 8:59:12am
Message modified by Acorn on Jan 10, 2019 at 9:00:42am
Message modified by Acorn on Jan 10, 2019 at 9:02:07am
Message modified by Acorn on Jan 10, 2019 at 9:05:02am
Message modified by Acorn on Jan 10, 2019 at 9:05:35am
Message modified by Acorn on Jan 10, 2019 at 9:06:11am
Message modified by Acorn on Jan 10, 2019 at 9:06:33am
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Acorn
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