3 ms·

Some feedback: - I filled in a bunch of data. I closed the window. I then went back to the website, it tells me that it has recovered my previous session, and

Some feedback: - I filled in a bunch of data. I closed the window. I then went back to the website, it tells me that it has recovered my previous session, and it gives me the option to either "Remove data" or "Upgrade now". I want to use the recovered session. I guess that's not allowed? It's really jarring to put it on the user to actively click a button that deletes the data that they have painstakingly entered just a few minutes before. Psychologically, it feels like an AH move: "I have your data, but you can't get it." TBH, it would be better to pretend the data wasn't recovered at all. If you really don't want a user to recover their data without paying, I suggest that you put an expiration timer on it: you can recover without paying if you do so within, say, a day, but not after that. - It's unclear what's expected when entering RSU grants. - 401k can have a before-tax and an after-tax part. Due to mega-backdoor Roth 401k conversion, I expect a major part of my 401k withdrawals to be tax-free. Is there a way to model that? - Cash flow: the destination of excess money is not very clear. I can see how excess money is going into savings, but it's not obvious how to tune this. You can say that RSU grants are going to a certain investment account, but that's not how things work in the real world: cash comes in from various sources into a single put (the checking account). Investments are made based on allocation. E.g. Every month, $XXXX goes to an investment account from that checking account. I don't think you can set things up this way? - Is there a way to way to model a rental investment, where expenses (property tax, insurance, interest, etc.) can be subtracted from rental income and only the difference is added as taxable income? - After retirement, I see my effective tax rate going up quickly, peaking out at 60%. I have no idea where that's coming from. If that needs debugging, I can, unfortunately, not share the data because I couldn't recover it. ;-) - For me, the future projections are way lower than other retirement calculators. I find it hard to judge where the discrepancy is coming from, but I assume that the effective tax rate thing is a major contributor. There might just be too many knobs to play with and I probably have some things set up incorrectly. - Personally, I would no pay $9/month for this. It's a very nice tool, but retirement planning is not a monthly on-going thing, and I already have way too many recurring services that I don't use a whole lot. For me, it would make more sense to be able to enter my info and save it under an account, have limited free functionality, and offer a way to pay for more. Ideally, in a non-recurring way. E.g. I'd be totally fine paying $10 for a day planning. And I might use that once per year. That's obviously much less than paying $9 per month, but at least you'd get something instead of nothing at all? I have no idea how this would change conversion and how many people are in my boat.

scubakid 3y ago
Thanks for the detailed feedback! I appreciate you checking out the tool. And sorry to hear you ran into trouble with the sandbox. It should warn about unsaved data if you try to close the tab. Did that not happen in your case? In the past, if you closed it, that was that. But a couple people slipped through the cracks and said it would have been much better if a recovery mechanism existed. So now it does haha... but maybe there's a way it can strike a better tone? FWIW I also love the idea of a time-based restore system, I just couldn't think of a good way to implement it that wouldn't be easy to tamper with (within the context of the current architecture anyway). For RSU grants, folks usually model the amounts they expect to vest in each year. The Advanced change-over-time editor may be helpful. For mega backdoor, would a Roth 401k cash-flow priority with custom limit be helpful? In the long-run though, I'd like to have a more formal option to make this easier. For rental properties, this is where the Generate Income option on a House asset (real assets column) comes into play. The best experience here is if you have the premium features and set tax estimation to US mode. If you want to kick the tires on that, I do offer extended free trials and/or general discounts on top of the default trial period. Oh right, and the effective tax rate metric is customizable. Do you currently have that set to include things like local/property taxes?
- tverbeure 3y ago
  > ... it would have been much better if a recovery mechanism existed I didn't get a warning and it's definitely better to have a recovery mechanism... if you can use it. > I just couldn't think of a good way to implement it that wouldn't be easy to tamper with I wouldn't initially waste time trying to address those who'd go through the effort of tampering with it. It's something to address when you have proof that it's a real problem. > this is where the Generate Income option on a House asset (real assets column) comes into play. I missed that. > Oh right, and the effective tax rate metric is customizable. I played around a bit with tax rates, but I definitely did not enter anything close to 60%. > Do you currently have that set to include things like local/property taxes? I don't know. I couldn't restore the data!
  - scubakid 3y ago

scubakid 3y ago

Thanks for the detailed feedback! I appreciate you checking out the tool. And sorry to hear you ran into trouble with the sandbox. It should warn about unsaved data if you try to close the tab. Did that not happen in your case? In the past, if you closed it, that was that. But a couple people slipped through the cracks and said it would have been much better if a recovery mechanism existed. So now it does haha... but maybe there's a way it can strike a better tone? FWIW I also love the idea of a time-based restore system, I just couldn't think of a good way to implement it that wouldn't be easy to tamper with (within the context of the current architecture anyway). For RSU grants, folks usually model the amounts they expect to vest in each year. The Advanced change-over-time editor may be helpful. For mega backdoor, would a Roth 401k cash-flow priority with custom limit be helpful? In the long-run though, I'd like to have a more formal option to make this easier. For rental properties, this is where the Generate Income option on a House asset (real assets column) comes into play. The best experience here is if you have the premium features and set tax estimation to US mode. If you want to kick the tires on that, I do offer extended free trials and/or general discounts on top of the default trial period. Oh right, and the effective tax rate metric is customizable. Do you currently have that set to include things like local/property taxes?

tverbeure 3y ago
> ... it would have been much better if a recovery mechanism existed I didn't get a warning and it's definitely better to have a recovery mechanism... if you can use it. > I just couldn't think of a good way to implement it that wouldn't be easy to tamper with I wouldn't initially waste time trying to address those who'd go through the effort of tampering with it. It's something to address when you have proof that it's a real problem. > this is where the Generate Income option on a House asset (real assets column) comes into play. I missed that. > Oh right, and the effective tax rate metric is customizable. I played around a bit with tax rates, but I definitely did not enter anything close to 60%. > Do you currently have that set to include things like local/property taxes? I don't know. I couldn't restore the data!
- scubakid 3y ago