Behavioral Econ

Qapital Dream Team™ is the ultimate way for couples to collaborate on their finances.&nbsp;&nbsp;Just invite a partner, team up, and meet money goals faster. You decide what’s shared and what’s private, always.&nbsp;<h2>Who is Dream Team for?</h2>&nbsp;Dream Team is for couples that want to manage their money together, but prefer to bank separately.&nbsp;&nbsp;&nbsp;<h2>How does Dream Team work?</h2>&nbsp;Dream Team allows you to see all your savings and investment accounts in one place, so you can visualize your goals together. You set personal and combined financial goals, and fund your accounts using “rules”. You’ll get instant notifications of milestones and goal completions to keep you both on the same page. And you can instantly transfer money to your partner (and vice versa).&nbsp;But you choose how much, or how little, you want to share. Qapital displays all of your individual and shared finances in one place, and you can decide how much information you want to share with your partner – from account balances to transaction history.&nbsp;&nbsp;And if you decide to fly solo, you can opt out of shared accounts anytime.&nbsp;<h2>What can I use Dream Team for?</h2>&nbsp;If you have a goal you’d like to fund with a partner (like a down payment on a new home) you can invite them to join you. You can both track your progress, see how much money you need to reach your goal, and track how your money grows over time.&nbsp;&nbsp;<h2>Ready to try Dream Team?</h2>&nbsp;To get started with Dream Team, open the Qapital app and head over to the Profile tab. Tap on the section that says Dream Team. You will then be guided through a short setup where you’ll select which goals and permissions you’d like to share with your partner. The final step is to invite your partner.&nbsp;&nbsp;You can invite anyone you want, whether they already have Qapital or not!*&nbsp; (If your partner is new to Qapital, don’t forget that you’ll each be eligible for the referral bonus when they join!**)&nbsp;You’ll be notified once your partner accepts the invite. Once you confirm, you are all set!&nbsp;*You must be a US resident over 18 and have a valid checking account supported by our data provider to open a Qapital account.&nbsp;**See&nbsp;<a href="https://www.qapital.com/terms/qapital-everyday-referral-program/">Terms and Conditions</a>. Qapital Dream Team™ enables you to share your Goals and Spending Account information with other Qapital account holders, such as family members. If you decide to do so, such Qapital account holders may import and view your account information. YOU ACKNOWLEDGE SOLE RESPONSIBILITY FOR AND ASSUME ALL RISK ARISING FROM SHARING ACCOUNT INFORMATION WITH OTHER QAPITAL USERS. QAPITAL IS NOT RESPONSIBLE FOR ANY CONSEQUENCE OF ANY USE OR DISCLOSURE OF YOUR ACCOUNT INFORMATION BY YOU OR ANY QAPITAL USER WITH WHOM YOU SHARE YOUR ACCOUNT INFORMATION. Dream Team also allows you to send money from your Qapital Spending Account to your Dream Team partner’s account at your initiation. You understand that when you send the payment, you will have no ability to stop or cancel it.

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Sneak Peek: Qapital Dream Team™

Halloween is usually a fun kind of scary, but with next week’s presidential election on the horizon and a global pandemic still raging, you may find yourself actually feeling nervous this year – especially about your investments. We are certainly seeing a lot of stock market volatility, but don't let that mess with your investment strategy. Whenever we need a dose of rational thinking we turn to our Chief Behavioral Economist <a href="https://vimeo.com/226792730">Dan Ariely</a>. In addition to being professor of psychology and behavioral economics at Duke University, Dan has played a key role in developing the saving and budgeting tools that have helped our members save more than $1B. So who better to drop a little wisdom when it comes to volatile markets? Markets go up and markets go down. It’s true that the market could take a dive after the election. But day-to-day fluctuations are normal, and it’s best not to sweat them. We aren’t saying that you shouldn’t pay attention to the market; you’re an investor now, so it’s good to stay up to date on what’s happening. But it’s also important not to panic over changes in the value of your investments.<h2>Don’t make decisions based on fear</h2>Says Dan: “Every time you open your portfolio and you notice that the value’s changed, it’s going to impact how you feel.” Sometimes, because they’re feeling emotional about the state of their portfolio, investors will take action. This might mean cashing out their stocks and investing in bonds, for example. “Historically, those are some of the biggest mistakes that people can make,” says Dan. Don’t make market decisions when your head is clouded by emotions. His recommendation is to act deliberately — rather than react to the state of your portfolio. Don’t even check your Invest balance unless you have a clear idea of what you want to do: “Decide what change you want to make, and only then open your portfolio. It’s never a good idea to open up your portfolio for fun and then decide what to do.” Investing is a long-term game. Many of our members have Invest Goals for things like down payments, college funds, and retirement. If you plan to use the money you’ve invested years from now, then volatile markets this week shouldn’t be of much consequence to your long-term Goals.You can set up a new Invest Goal in the Qapital app or simply convert one of your existing Savings Goals to an Invest Goal. When evaluating the performance of your investments, an important benchmark index to watch is the S&amp;P 500. The S&amp;P 500 is a collection of the largest publicly traded companies in the United States. It’s called a ‘benchmark index’ because it gives you a good general understanding of what’s happening in the market.&nbsp; The average return of the S&amp;P 500 over the last 100 years is between 6% and 10%, depending on whether or not you reinvested dividends. Corrections and crashes happen, but the overall long-term trend of the market is that it goes up.&nbsp; Remember that in times when temporary volatility can get you down.&nbsp; Make ‘buy and hold’ your new money mantra, and keep working toward your Goals.&nbsp; At Qapital we have built the most simple investment solution there is. Qapital Invest Goals take full advantage of Modern Portfolio Theory and all the rational tips that Dan preaches. Learn more about <a href="https://www.qapital.com/invest/">Qapital Invest </a>here.&nbsp;&nbsp;Qapital, LLC is not a bank; banking services provided by Lincoln Savings Bank, Member FDIC, and other partner banks. Advisory services provided by Qapital Invest, LLC, an SEC-registered investment advisor. The information provided herein is for informational and general educational purposes only and is not investment or financial advice. Past performance is no guarantee of future results. Any historical returns or projections are hypothetical and may not reflect actual future performance. Investments in securities are not FDIC-insured and may lose value. This is not a complete description of Qapital Invest’s investment advisory services. For more details, click <a href="https://adviserinfo.sec.gov/firm/summary/283762">here</a>. Brokerage services provided to Qapital Invest clients by Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC. Copyright © 2023 Qapital, LLC - All rights reserved.

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Qapital’s Halloween advice: Don’t make investment decisions based on fear

Qapital was built on the idea that it should be easier to make smart money decisions. We started by helping members save toward their personal Goals in new and creative ways. We called them Rules. Our members called them awesome. With more than 70,000 five-star reviews and over $1 billion collectively saved, it seems automation goes a long way when it comes to helping people meet their money Goals. Automating savings was a fantastic start. However, we always knew that to deliver on our promise of helping members make smarter money decisions we had to aim higher. Talking to our members, we saw a need for applying the convenient "set and forget" approach of Rules to more than just savings. This, combined with insights from our behavioral science team, made it clear where we had to focus our efforts – payday. By automating payday, our members can truly take control of their day-to-day finances the second they are paid. And we know our members want this kind of automation – a recent survey revealed that Americans are more likely to automate their day-to-day finances than rely on technology to get food delivered!*<h3>What's so special about payday?</h3>Aside from giving you that sweet, life-affirming bump in your balance, payday is your best shot at making a money plan you’ll actually stick to. But the truth is that most of us don’t prepare a detailed household budget.** Let’s face it – spreadsheets aren’t much fun, and it can be tedious juggling money from account to account. So how does Qapital make budgeting less dry than the Moab desert? By taking it off your plate.<h3>Meet Payday Divvy</h3>Payday Divvy comes with all the benefits of budgeting but none of the hassle of setting up and maintaining a budget. <img src="https://cdn.qapitalapp.net/wp-uploads/2020/09/payday-divvy-2x.png" width="1600" height="960"> &nbsp;<h3>How does Payday Divvy work?</h3>Automatically, every time you get paid. Just tell us once how to divvy up your paychecks, and we take care of the rest. That means we calculate the right amounts and make transfers in the background to keep it out of mind – but never out of sight. That's right, you can always adjust, pause, or stop Payday Divvy whenever life gets in the way.<h3>What can I use Payday Divvy for?</h3>Payday Divvy helps you get your $$$$ together. More specifically, it automatically sets the right amount aside for savings, investments, and everyday spending – the moment you get paid. The rest? It stays securely in your linked bank account for the expenses and bills you haven't moved over to Qapital.<h3>What is the right amount to set aside with Payday Divvy?</h3>The amount set aside will be unique to you – it will depend on your short-term Goals, long-term investment strategies, recurring expenses and bills, and the size of your paychecks. But we are excited to see that, on average, our early beta adopters have been setting aside almost a quarter of their paychecks!<h3>When is Payday Divvy available?</h3>Soon-ish. We're rolling it out slowly in beta to select members right now. But if you can't wait to try it, e-mail our team at <a href="mailto:support@qapital.com">support@qapital.com</a> and we'll put you on our priority list. Once you've given it a go, we’d love to get your feedback and suggestions on how we can make Payday Divvy even better for you. *<a href="https://www.aboutschwab.com/consumer-digital-demands-survey-2018">https://www.aboutschwab.com/consumer-digital-demands-survey-2018</a> **<a href="https://news.gallup.com/poll/162872/one-three-americans-prepare-detailed-household-budget.aspx">https://news.gallup.com/poll/162872/one-three-americans-prepare-detailed-household-budget.aspx</a>

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Sneak Peek: Meet Payday Divvy™

Creating and sticking to a budget can be hard. During a <a href="https://www.qapital.com/blog/stay-rational-during-pandemic-dan-ariely/">pandemic</a>, many of us are feeling overwhelming financial anxiety - adding to the stress of budgeting.&nbsp; Qapital has stepped up with a simpler, more effective way to budget; one that's rooted in behavioral science.<h2>Find your Spending Sweet Spot</h2>Thinking of a budget as restrictive is the first step to making it feel restrictive. Recently, our Chief Behavioral Economist Dan Ariely <a href="https://bit.ly/3evClD1">spoke with Qapital users via Instagram</a> about the <a href="https://www.qapital.com/blog/stay-rational-during-pandemic-dan-ariely/">financial implications of COVID19</a>, stating “this is an opportunity to reexamine what are the things that give us joy." Then, take on the challenge to create a new sustainable budget.&nbsp; A sustainable budget will comfortably pace how you spend your paycheck. This is opposed to an ineffective budget, that encourages you to overspend or underspend, thereby steering you away from the quality of life you want and holding you back from financial freedom.&nbsp; That’s why we designed our Spending Sweet Spot to let you customize a budget that fits your spending habits and income. It will automatically send you notifications that keep you updated throughout the week so you always know how you’re doing. You can adjust your budgeted amount at any time so you have the flexibility to learn and grow with your spending habits. You can also rate how your weekly spending made you feel and use that rating to adjust your weekly spending goal until you find the spending amount that makes you happiest -- your own Spending Sweet Spot. &nbsp; Through use of the Spending Sweet Spot tool, included with your Qapital Complete and Qapital Master membership, you'll be able to build a balanced budget that finally gives you control of your finances - allowing you to&nbsp;make the most of your government stimulus payment, unemployment check, diminished salary, or any income.&nbsp; We'll let Professor Dan Ariely delve deeper into the science behind this innovative budgeting tool. Qapital: Should I split my budget by category? Dan Ariely: “While it’s reasonable to have a budget for multiple categories, most people won’t stick to them. You don’t want to go for something that’s perfect, you want to go for something that is doable. For that, I recommend the strategy of creating one budget for all your discretionary spending.” “Think about all the things you could live without. For example, grocery shopping is not one of those things. You can’t live without food. But take all the things you could live without, put them in one bucket, then think about what amount you want to spend on that category per week — coffee, drinks, going out, entertainment — and then think of that as a separate category, as a holistic category, without breaking it into components.” Qapital: Should I create a weekly, monthly or yearly budget?&nbsp; Dan Ariely: “If we have a yearly budget — let’s say $50,000 — we’ll run out of that money way too soon. A monthly budget makes sense for some things — it fits the bill of rent and so on — but most of our discretionary expenses* are either weekly or daily.” “We certainly need a monthly budget for monthly expenses — rent and so on — but for discretionary spending*, it’s much much better to have a weekly budget. In fact, some studies show that even if you have a two-week budget, people spend way too much in the beginning and don’t have enough by the end. So if we want to spread our money correctly, the right framework is to think about a week.” Qapital: When should the week start, for budgeting purposes? Dan Ariely: “Should the week start on Friday or should the week start on Monday? Well, on the weekend we have more discretion. We can expand our spending [because] there are so many more things to do on the weekend. In fact, when you work, life is quite cheap; you don’t have enough time to spend all your money. But on the weekend, when you have more [free] time, you can expand your spending dramatically. It’s something to look forward to.” “So what’s the right approach? If our week starts on Friday or Saturday, we end up spending way too much on the weekend and are left with no money by Wednesday or Thursday. But if we start on Monday we save some of the money because we want to keep it for the weekend, and then if we don’t have that much leftover it’s easy to shrink our amount spent over the weekend.” The Spending Sweet Spot tool is available for users with a Qapital Visa® Debit Card. Sign up for a Complete or Master membership today to get a Qapital Spending Account and set a budget you can feel confident about. <a href="https://app.qapital.com/">GET STARTED &gt;</a> This interview has been edited and condensed for clarity. *Discretionary expenses/spending: non-essential purchases for things like leisure and entertainment. The materials and content discussed in these sessions and on the Qapital app and website are opinions for informational and educational purposes only and are not intended to be tax, personal financial planning, investment or financial advice. Please consult a licensed qualified professional about your personal situation.

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COVID19 Throwing Off Your Budget? Make Your IRS Stimulus Last Longer

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Staying Rational During a Pandemic:  Join Dan Ariely Live on Instagram @Qapital

Whenever we need a dose of rational thinking we turn to our Chief Behavioral Economist <a href="https://vimeo.com/qapital">Dan Ariely</a>. In addition to being professor of psychology and behavioral economics at Duke University, Dan’s played a key role in developing the saving and budgeting tools that have helped our members save more than $1B. So who better to drop a little wisdom when it comes to volatile markets? Markets go up and markets go down. Day-to-day fluctuations are normal, and it’s best not to sweat them. We aren’t saying that you shouldn’t pay attention to the market; you’re an investor now, so it’s good to stay up to date on what’s happening. But it’s also important not to panic over changes in the value of your investments.  Don’t make decisions based on fear Says Dan: "Every time you open your portfolio and you notice that the value's changed, it's going to impact how you feel." Sometimes, because they're feeling emotional about the state of their portfolio, investors will take action. This might mean cashing out their stocks and investing in bonds, for example. "Historically, those are some of the biggest mistakes that people can make," says Dan. Don't make market decisions when your head is clouded by emotions. His recommendation is to act deliberately -- rather than react to the state of your portfolio. Don't even check your Invest balance unless you have a clear idea of what you want to do: “Decide what change you want to make, and only then open your portfolio. It’s never a good idea to open up your portfolio for fun and then decide what to do.” Investing is a long-term game. We aren’t the first investment advisor to say this, nor will we be the last. It is tried and true advice because it is good advice. If you plan to use the money you’ve invested years from now, then volatile markets this week shouldn’t be of much consequence to your long-term Goals. An important benchmark when thinking about the stock market is an index called the <a href="https://www.investopedia.com/terms/s/sp500.asp">S&amp;P 500</a>. The S&amp;P 500 is a collection of the largest publicly traded companies in the United States. It’s called a ‘benchmark index’ because it gives you a good general understanding of what’s happening in the market.  The average return of the S&amp;P 500 over the last 100 years is between <a href="https://www.investopedia.com/ask/answers/042415/what-average-annual-return-sp-500.asp">6% and 10%</a>, depending on whether or not you reinvested dividends. Corrections and crashes happen, but the overall long-term trend of the market is that it goes up.  Remember that on days and weeks like this when temporary volatility can get you down.  Make ‘buy and hold’ your new money mantra, and keep working toward your Goals. <h2 class="h3">Put money in its place</h2> Master your money with the app that makes it easy to divvy up every dollar so you can balance what you want with what you need. <a class="btn" href="https://app.qapital.com/">Create account</a>

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Dan Ariely's advice for investors in volatile markets

Tax season is a stressful time — it’s complicated and full of uncertainty. This year, tax refunds are <a href="https://www.bloomberg.com/news/articles/2019-02-23/u-s-tax-refunds-plunge-17-as-treasury-ratchets-up-defense">down about 17 percent</a>, disappointing many Americans who were anticipating a large windfall of cash come early spring.&nbsp; American employees are now getting a feel for what freelancers and small business owners experience. Because of their complicated tax situations, freelancers and small business owners typically pay taxes rather than get a refund. Wanting to get a tax refund, instead of owing the IRS money, is actually irrational (as I explain below). But it is also very human. We like getting back money, even if it is our own. And having money in hand helps us plan better for the future. So, with this in mind, the question is how can we design a system to get back this windfall?&nbsp;<h3>Create your own tax refund on your own terms</h3>If you received a tax refund in the past, that means you essentially gave the U.S. government an interest-free loan until you filed your taxes for that year. It’s not the way a rational accountant would design the system, but we now understand that we get multiple benefits from this forced savings mechanism. When we get our tax refund we feel we have some unexpected money and we use it — many people use a third of their tax refund to pay off their debts, a third to splurge on themselves, and then put the rest into savings.&nbsp; Now that we understand that it is useful to have a forced savings mechanism, why count on the IRS to provide it? Instead, wouldn’t we be better off creating a system of saving in a way that works for us? For example, if we were to create our own “tax refund” we might set it up to save 5 percent of every paycheck, $10 every week, or $5 whenever we dine out. We might increase it more in the month when we have low expenses and save more when energy bills are lower. And if we were to build the system ourselves we would probably not cash it out on April 15th. Maybe we would take half just in time for the holiday season, and the other half in the summer.&nbsp; There are many ways we could design a financial system to deliver such a self-created tax refund, but at Qapital it has already been done for us. This approach of moving money automatically from one account to another and setting up saving goals is the basis of our system. And Qapital does it because splitting our money into different buckets and setting goals helps us to spend in a way that makes sense for us. &nbsp; &nbsp;<h3>Take a little extra time to evaluate your finances</h3>But, wait. There is more. As part of the tax process, people often review their personal finances closely. They check their credit card statements, bank statements, spending habits, and more. If you are already taking additional time to study your finances, why not spend some of that time adjusting your saving and spending habits so you’re more focused on your goals? For example, take a look at some of the major categories of spending — credit cards, restaurants, education, travel — and honestly ask yourself if you are spending the amounts you spend out of habit or because it fits your current and future goals. Here are a few recommended goals that we find many people benefit from — see if they could also work for you. &nbsp;1) Pay off credit card debt If you find that your credit card debt is higher than expected, set up a Goal to pay down that debt. You can open up a Credit Card Debt Goal on Qapital and set up Rules to move money toward paying off your credit card. You can even use the Round Up Rule linked directly to the credit card you are trying to pay off! &nbsp;2) Create a rainy day fund If you notice that you’re short on unexpected emergency funds, use the Set &amp; Forget Rule to put a bit of money aside every time your checking balance is over a certain threshold. This way when the time comes (hopefully not!), you’re prepared. &nbsp;3) Invest in yourself Spending money on things that make us happy is a good thing. The problem is when we impulsively spend on things that we later regret. Set up a Goal with an inspiring cover photo for something you really want and start saving. &nbsp;4) Set some long-term goals For long-term goals, such as a down payment on a house, retirement, or your kid’s college education, we recommend starting Invest Goals. Then start moving money to these Goals, even if it is just a bit every payday. The secret to saving is starting early and doing it consistently. &nbsp; &nbsp;5) Get on top of your taxes Lastly, for freelancers or small business owners, take advantage of the Freelancer Rule. It puts ⅓ of every paycheck into a separate account so that when the time comes to pay taxes, you are ready. &nbsp;<h3>Rethinking your finances</h3>This tax season, we hope you’ll see things differently than you have in the past. We encourage you to create your own refund goals and start working to reward yourself with that vacation or gift, as well as investing in a future goal. A little more intention in your financial efforts can go a long way. &nbsp;<h2>Put money in its place</h2>Master your money with the app that makes it easy to divvy up every dollar so you can balance what you want with what you need. <a href="https://app.qapital.com/">Create account</a>

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How Qapital can help you rethink tax season

A few years ago I decided to manage my money with Qapital. Not only has it helped me keep track of where my money goes, but I’ve also led a richer life. In turn, I’m a happier, more fulfilled me. What’s cool about Qapital is that it’s a one-stop shop to make purchases, track your spending, and save for goals — without having to step foot inside a brick-and-mortar bank. That’s right, all you need is a handy app. Using Qapital has helped enrich my money life and taught me a lot. Here’s what I’ve learned: <h2>Systems override habits</h2> If you don’t want to gorge on peanut butter cups, you shouldn’t have them lying around in the kitchen. The same “you can’t eat it if you don’t see it” principle goes for your money. If you want to save your beans, you should silo away those funds. I don’t always trust myself to do the best thing with my money, but I do trust the system I’ve created. A big part of that is auto-saving and setting up fun rules for different saving goals I’ve set up through Qapital. Right now I’ve set up auto-save plus a mix of rules for an art project, a vacation with my partner to Vietnam, and a big blowout for my mom’s milestone birthday. And I just started a few goals to give back in my own way. Knowing I’ve got my saving goals on cruise control allows me to spend more freely, without guilt or worry that I’m not keeping my other money goals in mind. And while being aware of my money habits is key to changing them for the better, I don’t have to beat myself up over the fact that I’m not perfect with my money today. (But who is, really?) I know the system and rules I’ve put in place with Qapital keep me in check. <h2>The less work you do, the more brain space you clear</h2> While it’s hard to pinpoint the exact number, research suggests we make an average of <a href="https://www.psychologytoday.com/us/blog/stretching-theory/201809/how-many-decisions-do-we-make-each-day">35,000 decisions in a given day. </a>That breaks down to 2,000 decisions per hour, or one decision every two seconds. For me, the trouble of making a decision is often harder than actually doing what I’ve decided. For instance, trying to figure out when I should go to yoga during the week is much harder than actually going once I’ve decided on set times. Less decision-making, less fretting. And instead of quibbling over whether I should save that five bucks for later or spend it now, I’ve already committed to saving part of my paycheck through auto saving. I stress less, worry less, and clear my brain space for other matters. <h2>You can balance present happy you with future happy you</h2> A major turnoff with super money nerds is that they are depicted as never having any fun with their money. Because they aren’t into spending, they live deprived existences, devoid of a  modicum of enjoyment. It’s quite the opposite. Last I checked, spending your whole paycheck and being stressed about your money isn’t exactly a fun time either. That’s why it’s important to strike a balance. Sure, you want to save for goals in both the short and long term, but what about enjoying life in the here and now? Because I pay myself first, and make a point to save for important, meaningful goals that will make my life richer, I can balance present happy me with future happy me. As long as I’m spending within the means I’ve safely set aside, I can feel secure about my long-term needs and have more fun today. <h2>Being in control of your finances doesn’t have to be complicated</h2> Being on top of your money game isn’t about numbers, math or following a bunch of rules. It’s about drumming up a sound, realistic plan, executing that plan, and in turn, dominating your finances. With that comes this blissed-out feeling of autonomy and having greater options. Because to me, financial wellness is about the power of choice. If I want to quit the nine-to-five and pursue freelance, go on an impromptu weekend road trip without second-thoughts, explore off-kilter projects and take greater risks, I’m setting myself up to have that flexibility. It boils down to making decisions you feel good about. That weekend binger you spent a quarter of your paycheck on that you couldn’t afford? That feels godawful. But the weekend binger you saved up for and pulled money from your designated “splurge fund”? That feels pretty awesome. With Qapital’s <a href="https://support.qapital.com/hc/en-us/articles/360011970594-Payday-Divvy">Payday Divvy</a>, I can set aside income for bills, my car payment, insurance, and a few savings goals. After I’ve allocated set amounts for my bills and savings, I can safely spend the rest on fun experiences and stuff that brings me joy in the present. <h2>Greater self-knowledge leads to more feel-good vibes </h2> Here’s how I use Qapital: I pay all my usual bills out of my “main account” and transfer a set amount to my Qapital account for discretionary spending. That’s everything outside of bills — groceries, eating out, entertainment, clothing, personal items, and so forth. Separating my variable spending from my fixed expenses helps me see where my money goes each month. Plus, after doing some quick math, I know how much I have left to spend for the week. If I had a few spend-happy days, I know I need to scale it back to get back on track. Another cool feature I’m itching to check out: Qapital’s <a href="https://support.qapital.com/hc/en-us/articles/360011970674-Spending-Sweet-Spot-">Spending Sweet Spot.</a> Up to now, I was manually doing simple math to figure out how much I had left to spend that week and how much I needed for discretionary spending. Qapital’s Spending Sweet Spot takes out the guesswork. It helps you monitor how much you spend day-to-day on those lattes, meals out with friends, and so forth. (This is spending separate from your fixed expenses, such as rent or cable.) Because you know how much you’re spending, you can treat yourself without feeling guilty or remorse for overdoing it. Having greater self-knowledge helps you make better decisions for yourself. You’ll know how much to set aside for your discretionary spending. It makes spending and managing your finances fun, easy, and empowering. It’s funny how a seemingly simple decision such as signing up with Qapital can improve how you feel about your money. It also helps you not only feel happier and more fulfilled about your financial picture, but about your life in general. Start a new financial relationship today. Get the <a href="https://app.adjust.com/5zj06l8_zl1a4bt?campaign=Blog&amp;adgroup=Financial Wellness&amp;creative=QapitalHappinessFulfillment&amp;fallback=https://get.qapital.com/download">Qapital app</a> here.

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How Qapital taught me about happiness and fulfillment

Creating and sticking to a budget can be hard. If you’ve ever felt too intimidated, too anxious, or too lazy to budget your money, you’re not alone. That’s why, with the help of Qapital’s behavioral economists, we designed a simpler, more effective way to budget. The results? <h2>Spending Sweet Spot</h2> Do you ever contemplate what you should spend instead of what you could spend on a regular basis? A sustainable budget will comfortably pace how you spend your paycheck. But ineffective budgets that encourage you to overspend (paying for unnecessary expenses) or underspend (limiting your ability to sustain the quality of life you want), hold you back from financial freedom. If you don’t feel balanced or in control, then you can’t be honest with yourself about your money. That’s why we designed our Spending Sweet Spot to let you customize a budget that fits your spending habits and income. It will automatically send you notifications that keep you updated throughout the week so you always know how you’re doing. You can adjust your budgeted amount at any time so you have the flexibility to learn and grow with your spending habits. You can also rate how your weekly spending made you feel and use that rating to adjust your weekly spending goal until you find the spending amount that makes you happiest -- your own Spending Sweet Spot.   How are we so sure we’ve made smart spending easier? Because we asked our Chief Behavioral Economist, famed researcher and professor Dan Ariely. If you have budgeting questions, he has the answers — and we built our Spending Sweet Spot feature with those answers in mind. Qapital: Why should a budget be weekly? Why not set it monthly or yearly? Dan Ariely: “If we have a yearly budget — let’s say $50,000 — we’ll run out of that money way too soon. A monthly budget makes sense for some things — it fits the bill of rent and so on — but most of our discretionary expenses* are either weekly or daily.” “We certainly need a monthly budget for monthly expenses — rent and so on — but for discretionary spending*, it’s much much better to have a weekly budget. In fact, some studies show that even if you have a two-week budget, people spend way too much in the beginning and don’t have enough by the end. So if we want to spread our money correctly, the right framework is to think about a week.” Qapital: When should the week start? Dan Ariely: “Should the week start on Friday or should the week start on Monday? Well, on the weekend we have more discretion. We can expand our spending [because] there are so many more things to do on the weekend. In fact, when you work, life is quite cheap; you don’t have enough time to spend all your money. But on the weekend, when you have more [free] time, you can expand your spending dramatically. It’s something to look forward to.” “So what’s the right approach? If our week starts on Friday or Saturday, we end up spending way too much on the weekend and are left with no money by Wednesday or Thursday. But if we start on Monday we save some of the money because we want to keep it for the weekend, and then if we don’t have that much leftover it’s easy to shrink our amount spent over the weekend.” Qapital: Should my budget have categories? Dan Ariely: “The answer is yes only if you’re perfectly rational and if you enjoy budgeting. While it’s reasonable to have a budget for multiple categories, most people won’t stick to them. You don’t want to go for something that’s perfect, you want to go for something that is doable. For that, I recommend the strategy of creating one budget for all your discretionary spending.” “Think about all the things you could live without. For example, grocery shopping is not one of those things. You can’t live without food. But take all the things you could live without, put them in one bucket, then think about what amount you want to spend on that category per week — coffee, drinks, going out, entertainment — and then think of that as a separate category, as a holistic category, without breaking it into components.” The Spending Sweet Spot tool is available only for users with a Qapital Visa® Debit Card. Sign up for a Complete or Master membership today to get a Qapital Spending Account and set a budget you can feel confident about. To find your Spending Sweet Spot, download the <a href="https://app.adjust.com/5zj06l8_zl1a4bt?campaign=Blog&amp;adgroup=Dan Ariely&amp;creative=SpendingSweetSpot&amp;fallback=https://get.qapital.com/download">Qapital app today</a>! This interview has been edited and condensed for clarity. *Discretionary expenses/spending: non-essential purchases for things like leisure and entertainment.

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Spending Sweet Spot: Why a weekly spending target is the best budget to have

Fact: Vacations are awesome. But the planning? Not so much. Sometimes you need a vacation from your vacation planning. While it can definitely take a toll on your energy, it turns out the planning process can be just as enjoyable and exciting — if not more — than the actual event itself. To boot, science says that when you save for something in advance, you’ll actually enjoy it even more. In this post, we’ll delve into the science of anticipatory enjoyment and help you navigate through your vacation planning sans the stress. <h2>Anticipate it </h2> We all know that cheap thrill you get when you order a pair of all-natural sheepskin chamois boots on Amazon Prime and have it shipped to you the next day. Impulse buys and instant gratification, amirite? But there’s a different sort of excitement and feel-good rush that comes with looking forward to something on the horizon, like waiting all week to enjoy a mouth-watering Porterhouse at your favorite steakhouse in town. Somehow, all that waiting just makes it taste that much better. I first recall feeling this when I was a kid, when I would save spare change wedged in between sofa seat cushions and from my allowance. I was saving it up for our annual church fiesta. After saving my coins for a few months, it was so much more fun spending my hard-earned cash on carnival games than if I was handed a wad of cash the day of. A recent<a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5767250/"> study</a> reveals that a part of your prefrontal cortex becomes activated when you anticipate a positive upcoming event. In turn, this activation is linked to a general sense of well-being. So the next time you experience a case of the Monday Blues, think about that awesome trip you’ll soon take to turn it around. <h2>Visualize it</h2> Anticipation is like a cheap, free and healthy pill you take to boost your mood. A <a href="https://www.researchgate.net/publication/42109930_Vacationers_Happier_but_Most_not_Happier_After_a_Holiday">Dutch study</a> surveyed soon-to-be vacationers and individuals without a trip planned and found that vacationers reported a higher degree of happiness (possibly because they anticipated their trip) than non-vacationers. Visualization helps build anticipation. That’s why putting up photos of exotic, awesome-sauce locales at your workspace, the fridge, or your Qapital Goal gets you pumped up for your upcoming trip. And you know how some people use a debt thermometer or a Pac-Man-esque game board to visualize paying off their debt? You can do the same thing, but for saving up for your goals. For instance, create a grid made up of a bunch of squares. Let’s say you want to save $5,000 for a vacation in Vietnam. For every $250 you squirrel away toward your trip, color in a square. Do that 20 times and boom! You’ve hit your savings goal. Qapital helps you create anticipation as well. As you trigger your Rules through spending, you can see how much closer you’re getting to reaching your Goal! <h2>Pre-pay for it</h2> I used to tell people that I oftentimes enjoy looking forward to something more than looking back on it. It turns out I have the <a href="https://www.psychologies.co.uk/self/life-lab-experiment-mind-2.html">science</a> to back me up -- researchers have shown that people tend to experience more intense emotions about future events than those in the past. . To help amp up the excitement, pre-pay for that trip. And each time you’re pre-paying for say, that hotel, car rental or flight, you can sit back and imagine what it would be like to actually be there. Trust me, it’s far better to anticipate by paying beforehand than to be saddled with D-E-B-T afterward and be challenged with debt hangover. For an upcoming trip to Hawaii I’m taking with my partner, we paid for the airfare about three months ahead of time and the hotel and car rental about a month prior. Each time we covered one of the big-ticket items, I felt so much more at ease knowing we were ahead, not behind. And when the trip actually happens, we don’t have to be too cautious about how much we spend. That’s because we already have a reserve for no-guilt spending. <h2>Treat Yourself at Different Checkpoints</h2> Want another way to add to the fun and excitement? Consider rewarding yourself for every milestone you hit -- whether it’s reaching a mark on your savings goal, booking your hotel, handling pet boarding for your pooch or feline, or drumming up a loose itinerary. One thing you can do is reward yourself with small purchases that have to do with your trip. For instance, if you’re escaping to white sands and tropical climes, reward your milestone by purchasing some snorkel gear or a swimsuit. While it is time-consuming, just know that there’s joy in the anticipation that comes with planning for a trip. You don’t have to wait until the actual trip to enjoy it -- the fun can begin the day you decide to go. Setting a goal on Qapital is the best way to create anticipation for an upcoming trip. Don't have the app? <a href="https://app.adjust.com/5zj06l8_zl1a4bt?campaign=Blog&amp;adgroup=Behavioral Science&amp;creative=EnjoyVacationBeforeTakingIt&amp;fallback=https://get.qapital.com/download">Download it today</a>!

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How to enjoy your vacation, before you even take it

Photo: <a href="https://unsplash.com/photos/xfKEy_6x4pw">Hannah Busing</a> Spending money sounds like a bad thing, but it doesn’t have to be. Take experiences, for example. Experiential purchases, such as vacations or Broadway tickets, increase our overall happiness because they’re experiences. And pre-paying for these purchases can actually increase our enjoyment of them. Take me - I was more excited to go to the zoo than my three-year-old was. To be fair, he didn’t know my husband and I had planned to take him during the holiday season. But we planned for this trip weeks in advance -- from my husband requesting time off, to letting my editors know I wasn’t available that day, all the way to waiting for a coupon code so we didn’t need to buy a child ticket. Sure, we could have gone on a weekend, but we wanted to avoid the busy crowds. For almost a whole month after we bought the tickets, I was so excited I almost ruined the surprise. And when the trip finally happened, the smile never left my face for the whole day. <h2>Experiences and Anticipation Can Do Wonders For Your Happiness</h2> It’s pretty common for people to head to the zoo with their families, so why was my experience so special? For one, I paid for it in advance, saving me financial stress the day we went. And I turned the experience into an event we could enjoy together. As in, my husband and I could have bought a bunch of gifts for my son, but our goal was to spend more time as a family. Studies, such as the ones conducted by <a href="https://onlinelibrary.wiley.com/doi/abs/10.1016/j.jcps.2014.08.004">Tom Gilovich, Amit Kumar and Lily Jampol</a>, show experiential purchases make us happier as a whole. At its core, experiences are more social and help us get more satisfaction than material things do. Experiential purchases help us to relate better to one another. Think about buying things, which may be motivated by the whole “keeping up with the joneses” idea. When you purchase an item, you may see if your friends have the same thing, or become jealous when someone buys a newer model of what you have. With experiences, there is less chance of that happening because our experiences are unique to us. And you get to share how happy you are, creating a bonding experience. Research also shows making an experiential purchase before the actual experience can increase your enjoyment because you’re anticipating it. A <a href="https://journals.sagepub.com/doi/abs/10.1177/0956797614546556">study published in Psychological Science </a>found those who thought about their future experiential purchases were more excited compared to individuals who were waiting to receive a material good. All this could explain why I was so giddy leading up to the trip -- I thought about those zoo tickets for weeks before actually going. <h2>How to Leverage Anticipation in Your Spending</h2> Finding ways to delay your gratification is the key to increased happiness. The more time you have between making the purchase and consuming it -- such as my month-long wait to go to the zoo -- the better. The idea is you get that extra time to visualize the actual experience itself, increasing the anticipation, especially if you tell other people about what you’re going to do. Here are a few examples to get those juices flowing: <ul> 	<li style="font-weight: 400;">Book a vacation way in advance -- do some preliminary research on what you’ll do once you get there. Bonus points if you use tracking programs like Google Flights to see how much you saved on that flight by booking ahead of time (imagine being able to brag about how much you didn’t have to pay). </li> 	<li style="font-weight: 400;">Set a goal on Qapital so you can anticipate when you’ll reach it. This is perfect for anything from a trip, to a concert, to a spa session!</li> 	<li style="font-weight: 400;">Look up recipes online and schedule to have your groceries delivered, so you can surprise your family with a home cooked meal. You can substitute this with meal delivery kits instead, where you may be able to order them weeks in advance.</li> 	<li style="font-weight: 400;">Find out when there are free events in your area and make a plan to go. Bonus points if the free event would have been one you would have had to pay for otherwise, such as <a href="https://www.smithsonianmag.com/museumday/">Museum Day</a>.</li> 	<li style="font-weight: 400;">Find discounted spa packages on Groupon and book an appointment a few weeks in advance.</li> </ul> With all of these examples, it can be useful to set up reminders so as time passes, your anticipation grows stronger with each reminder. For example, you can set up daily reminders on your phone as notifications throughout the week. Qapital will also send you notifications as you reach milestones, such as 10%, 25%, and 50% of your goal. Services such as grocery deliveries and Groupon have reminder emails. But you can take it one step further by setting physical reminders like Post-it Notes all over your house. It may still seem a little strange that anticipating a purchase makes us happier, but science usually doesn’t steer us wrong. Rather than fight it, take up the challenge as an experiment and see how it can change the way you view purchases in the future. Qapital's Money Missions shows you how to add anticipation in your life to get more meaning out of your spending. <a href="https://app.adjust.com/5zj06l8_zl1a4bt?campaign=Blog&amp;adgroup=Behavioral Science&amp;creative=ScienceBehindAnticipation&amp;fallback=https://get.qapital.com/download">Download the app</a> and check it out!

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The science behind anticipation: Why pre-paying for experiences increases enjoyment

We know how important your financial goals are to your future, and we want to make your journey reaching them as smooth as possible.&nbsp;When you can’t reach a finish line overnight — especially for those big goals like saving for retirement, paying off student debt, buying a new car, or putting a down payment on that dream cabin — it’s not always easy to stay motivated.&nbsp;<a href="https://www.apa.org/news/press/releases/2015/10/progress-goals#:~:text=WASHINGTON%20%E2%80%94%20If%20you%20are%20trying,by%20the%20American%20Psychological%20Association.">Studies show</a> that monitoring the progress you make toward your goals increases your chance of achieving them. But it’s not always easy to keep track of the headway you’re making, so we’re here to help.&nbsp;With our Weekly Insights feature, you can see your spending and saving highlights from the week. You may discover ways to tweak your spending and saving to help achieve your goals faster. Or you may just give yourself a pat on the back for a job well done.&nbsp;Your personal Weekly Insights will automatically pop up in the app at the end of every week. At a glance you can feel good about all that you’ve accomplished with Qapital for the week and catch any giant red flags — say, if you’re spending more money at your favorite vendor than you’d like to.&nbsp;It’s motivating to know where you’re at, and whether you think you had a fabulous week or not, you can always learn something that makes you more prepared for the future.&nbsp;Keep your spending habits in check, adjust your rules when you need to, tweak your budget, and think about whether you prioritize and spend your money on things that are important to you.&nbsp;Of course, the more you use Qapital, the more insights you have at your fingertips! If you use Qapital Spending, your Qapital Visa® Debit Card* can tell you exactly where you’re at with saving and spending any day, anytime.&nbsp;Don’t have a Qapital Spending account? Sign up today in-app, and get a whole new view of your personal finances. The more you know, the more you can do to reach your goals.&nbsp;&nbsp;&nbsp;**The Qapital Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.Qapital, LLC is not a bank; banking services provided by Lincoln Savings Bank, Member FDIC, and other partner banks. Advisory services provided by Qapital Invest, LLC, an SEC-registered investment advisor. The information provided herein is for informational and general educational purposes only and is not investment or financial advice. Copyright © 2023 Qapital, LLC - All rights reserved.

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Recap Your Week At A Glance With Qapital Weekly Insights

At Qapital, we aim to help your money make you happy. The last thing we want you to feel about your everyday saving and spending habits is regret.   But how do we get to those squirm-inducing, regretful moments of buyer’s remorse? And more importantly, how do we avoid them? These are questions we ask when developing products to support you. In fact, we partnered with Common Cents Lab at Duke University and MetLife to conduct a <a href="https://advanced-hindsight.com/blog/common-cents-lab-unveils-millennial-financial-regret-spending-report/">Millennial Financial Regret Spending Study</a> to do just that.   Our team asked 1000 millennial participants to review their most recent financial transactions and fill out a questionnaire about which ones they regret the most and which ones they don’t. 28,000 data points later, we concluded some pretty useful insights. Peek the four big takeaways:    <a href="https://cdn.qapitalapp.net/wp-uploads/2017/09/Screen-Shot-2017-09-14-at-4.03.33-PM.png"><img src="https://cdn.qapitalapp.net/wp-uploads/2017/09/Screen-Shot-2017-09-14-at-4.03.33-PM-231x300.png" width="231" height="300"></a><a href="https://cdn.qapitalapp.net/wp-uploads/2017/09/Screen-Shot-2017-09-14-at-4.05.15-PM.png"><img src="https://cdn.qapitalapp.net/wp-uploads/2017/09/Screen-Shot-2017-09-14-at-4.05.15-PM-232x300.png" width="232" height="300"></a> You can read more about the study findings <a href="https://advanced-hindsight.com/blog/common-cents-lab-unveils-millennial-financial-regret-spending-report/">here.</a> Wince less, smile more. <h2 class="h3">Put money in its place</h2> Master your money with the app that makes it easy to divvy up every dollar so you can balance what you want with what you need. <a class="btn" href="https://app.qapital.com/">Create account</a>

What Do Millennials Regret Spending Money On Most?

Written by George Friedman, CEO.At Qapital - we spend a lot of time thinking about people’s relationship with their money. About how the way people are wired affects the way we manage our money. And about how human nature shapes our financial decision-making (sometimes for the better, sometimes not).It’s why we design our products in tandem with Behavioral Economist, <a href="https://vimeo.com/226792730">Dan Ariely</a> – who helps us find ways to make the act of saving more successful. Like having people save for specific goals, instead of generic savings accounts. Or having people upload custom photos for their goals – because we know that when people can see what they want in front of them, they save 2x more.By combining behavioral economics and technology, we built an app that turned people into great savers by making saving easier and more motivating.Today, we’re taking that same philosophy a step further with the launch of “Qapital Spending” - a checking account designed to help people spend more intentionally, and reach their goals even faster.This means that Qapital is moving from a simple savings app, to a more holistic goal-focused personal finance platform. Or – in human speak – a new way to bank designed to help people put their money towards the stuff that matters most.Now, with the addition of Qapital Spending, users can better monitor and manage their weekly spending and savings habits in real-time. They can automatically puts a little away every time they swipe – making saving for their goals a daily, automatic habit. Qapital users even get helpful notifications about how much they’ve saved and track progress towards their goals. Just like traditional banks, Qapital lets people send paper checks, set up direct deposit, even earn interest on their account balances. But UNLIKE banks, Qapital has no monthly fees, no minimums, unlimited transfers and more. So basically – the stuff you need, without the stuff you don’t.It’s the next step in our effort to create a better banking experience. One that helps people not only manage -- but improve -- &nbsp;their financial lives. One that’s less frustrating, and more fulfilling. One that helps people get the most possible happiness out of their money.And the best part, is this is just the next step. Much more to come in the next year.<h2>Put money in its place</h2>Master your money with the app that makes it easy to divvy up every dollar so you can balance what you want with what you need. <a href="https://app.qapital.com/">Create account</a>

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The Inspiration for our New Product - Qapital Spending

This month, we’re celebrating awesome ways to keep yourself motivated to meet your fitness and financial goals. Our Chief Behavioral Economist Dan Ariely recommends using habits to help you keep on target with your workouts! <a href="https://cdn.qapitalapp.net/wp-uploads/2015/10/21136519202_7aefada33f_k.jpg" rel="attachment wp-att-346"><img src="https://cdn.qapitalapp.net/wp-uploads/2015/10/21136519202_7aefada33f_k-1024x682.jpg" width="1024" height="682"></a> With so many demands on our time and priorities to manage, it can be hard to squeeze consistent exercise into our busy schedules. How can we make sure to take time for ourselves and work out when there are so many other things to do (like watching cat videos to watch from the comfort of our sofa)? While he can’t promise to make you love working out, Qapital Chief Behavioral Economist and world-renowned researcher Dan Ariely says making going to the gym a habit is one way to make sure you at least show up. “Working out every day takes a lot of ongoing willpower,” <a href="https://ideas.time.com/2013/12/30/five-new-years-resolutions-that-might-actually-work/">he says</a>. Here are his two secrets to taking willpower out of the equation and making workouts a habit. <h3>Make Exercising Social</h3> Plan to meet friends or colleagues at the gym or in the park and work out during your ‘meetings’. “This kind of social obligation is likely to hold you, and them, accountable to show up, and once you have shown up, you might as well start sweating.” If peer pressure can help encourage us to do, shall we say questionable things, why not give it a try to make a positive change? <h3>Recruit Rover</h3> One sure-fire way to get yourself out of the house is by getting a dog. Find your nearest local shelter and adopt a new best friend! “Once you make this quick one-time decision, you are going to go for daily walks for the next decade.” Nothing like having a living creature relying on you to help you hit those recommended 10,000 steps per day! Just make sure you’re ‘a dog person’ before signing the paperwork. These suggestions and quotes originally appeared on <a href="https://ideas.time.com/2013/12/30/five-new-years-resolutions-that-might-actually-work/">TIME.com</a>. What are some of your workout hacks? Tweet us <a href="https://twitter.com/qapitalapp">@Qapitalapp</a> and we’ll share your tips and tricks with our community! <h2 class="h3">Put money in its place</h2> Master your money with the app that makes it easy to divvy up every dollar so you can balance what you want with what you need. <a class="btn" href="https://app.qapital.com/">Create account</a>

Hack it! Two behavioral economics-based tricks to make exercising a habit

Automation has always been core to what we do. We started by helping members save toward their financial goals effortlessly. After more than 100,000 five-star reviews and over $3 billion saved to date, we knew we were on to something.Qapital® Payday Divvy™&nbsp;takes our “set and forget” approach beyond saving, and makes budgeting a no-brainer, too.<h2>How does Payday Divvy work?</h2>Automatically, every payday. Tell us how often you get paid and how you’d like to divide your income, then set it and forget it. It takes just a few minutes to get started, and you can pause or make changes anytime.<h2>What can I use Payday Divvy for?</h2>Payday Divvy helps you get your $$$$ together. More specifically, it automatically sets money aside for savings, investments, and spending when you get paid. You decide how much moves to your Qapital goals, and the rest of your paycheck stays in your linked bank account.<h2>What is the right amount to set aside with Payday Divvy?</h2>The amount to set aside will be unique to you, depending on your short-term goals, long-term investment strategies, recurring expenses, and bills. Start with a comfortable amount that you know you can afford. You can always adjust it later.<h2>Ready to try Payday Divvy?</h2><a href="https://app.adjust.com/5zj06l8_zl1a4bt?campaign=Get_the_app_button&amp;adgroup=Header&amp;creative=Top&amp;fallback=https%3A%2F%2Fqapital.com%2Fdownload%2F&amp;engagement_type=fallback_click">Download the Qapital app</a>, if you haven’t already, and give it a go. It takes just a few minutes to get started.&nbsp;&nbsp;Qapital, LLC is not a bank; banking services provided by Lincoln Savings Bank, Member FDIC, and other partner banks. Advisory services provided by Qapital Invest, LLC, an SEC-registered investment advisor. The information provided herein is for informational and general educational purposes only and is not investment or financial advice. Copyright © 2023 Qapital, LLC - All rights reserved.

Budget Instantly with Payday Divvy™

Copyright © 2024 Qapital, LLC. All rights reserved.
Qapital is not a bank. Banking services provided by Lincoln Savings Bank, Member FDIC and other partner banks. Advisory services provided by Qapital Invest, LLC, an SEC-registered investment advisor. Brokerage services provided to Qapital Invest clients by Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC.

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