This is a 2 part question.
What quote or piece of advice has hung onto to you throughout your accumulation years and beyond ?
And
What tool, whether be a spreadsheet, app, website, etc. has helped you track and manage your finances and budgeting ?
I’ll answer first. The old saying “It’s a marathon, not a sprint” and It’s not what you make, it’s how much you keep, have always stuck in my head.
Having all of my investments visible on 1 site(Vanguard for me) has made it easier to manage my total portfolio. Still looking for a good budgeting method, besides pulling out previous years statements.