Europe only :(

Subscription fee? Actual is self hosted and “100% free” according to their docs.

Freeze Peach sounds like Free Speech

Actual Budget looks like a promising self-hosted option. Don’t think there’s any bank linking, though it’s been on the roadmap for a while. I’ve looked around and haven’t found anything else that I’d believe isn’t selling all of your financial data to advertisers.

Yep, the hardest part of Signal is convincing everyone you text to use it. Though, once you do, it’s awesome!

SMS as a protocol is pretty bunk. I’m not sure any app can save it. That’s why I just stick to the default SMS app. Well, that, and because that app is made by Anrdoid and your carrier, who can already track everything anyway, so there’s no (extra) privacy hit.

Signal / Matrix when possible and default sms app when not.

Two random nouns

I had PB&J ice cream once. Maybe not my favorite, but it was yummy and memorable.

People have trouble installing Windows? You enter a license key and click next a couple times.

The Fed has massively increased interest rates in the past year or so to fend off a recession. That’s in part what led to the recent bank failures, because the banks made stupid investments hinging on low interest rates. As a whole, it’s been working wonders for the economy. Things have been stabilizing and fears of a recession have lowered.

In short, yes, 4.15% is on the good side, but it’s also pretty common in the US right now. Some savings accounts have 5%+ last time I checked, though those are harder to come by and often have stupid rules attached.