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I didn't know what product this was. I didn't read the article. I don't know your username. But somehow, in my heart of hearts, I knew it was the financial pla

by screye 3y ago

I didn't know what product this was. I didn't read the article. I don't know your username. But somehow, in my heart of hearts, I knew it was the financial planning sandbox that I create a free account on everytime it is posted here. I'm still not at a point in life to NEED it just yet. But yknow what ? Give me 5 years, a mortgage, a couple of kids to juggle and I'll likely come groveling to this tool as my savior. It is rare for a tool i dont use to stay with me for as long as this one has. Good job. I strongly recommend it as a 'non-user'...hehe.

scubakid 3y ago
This gave me a good laugh. With your powers of intuition, maybe you should just put it all on black a few times then call it a day (jk, please don't) Anyway, I appreciate you checking it out, and I'll do my best to still be here in 5 years when you come back ;)
- screye 3y ago
  Somehow, this is the one product I have seen on HN that I always think : "Huh, I hope this works out, and HN is exactly the place where people would appreciate it." So, I guess I was mentally primed for thinking of your tool when I read the title. No premonition, just monkey brain pattern matching.
Gud 3y ago
Although you might not need it right now, take it from someone who does: Financial planning is an extremely useful habit. It is an enormous freedom to know what I spend my money on, what I can cut back, and how much I can spend per day after all my bills are paid.
- screye 3y ago
  Agreed. I have a slightly different model for financial planning. I plan around macros instead of micros. I'm a scatter brained person, so Type-A systems don't work as well for me. I don't have a family, so there are only a few numbers I need to remember. Those are the numbers I plan around. Costs = rent + car + food + subscriptions. So I live with roommates, take public transportation, try to cook at home, generally avoid alcohol and stick to ($$) 2 dollar sign level restaurants. I don't really track anything, but make sure that I live within the sandbox I have defined for myself. Similarly, I have kept my investing strategy simple. Max out 401k + HSA immediately (ESPP if avilable) & never withdraw your stock vest (I do rebalance). That way I guarantee pretty hefty lower bound on my annual savings. Soon, I will be unable to count my major investments & spends on my fingers. At that point, I will absolutely be taking your advice.

by screye 3y ago

scubakid 3y ago

This gave me a good laugh. With your powers of intuition, maybe you should just put it all on black a few times then call it a day (jk, please don't) Anyway, I appreciate you checking it out, and I'll do my best to still be here in 5 years when you come back ;)

screye 3y ago
Somehow, this is the one product I have seen on HN that I always think : "Huh, I hope this works out, and HN is exactly the place where people would appreciate it." So, I guess I was mentally primed for thinking of your tool when I read the title. No premonition, just monkey brain pattern matching.

Gud 3y ago

Although you might not need it right now, take it from someone who does: Financial planning is an extremely useful habit. It is an enormous freedom to know what I spend my money on, what I can cut back, and how much I can spend per day after all my bills are paid.

screye 3y ago
Agreed. I have a slightly different model for financial planning. I plan around macros instead of micros. I'm a scatter brained person, so Type-A systems don't work as well for me. I don't have a family, so there are only a few numbers I need to remember. Those are the numbers I plan around. Costs = rent + car + food + subscriptions. So I live with roommates, take public transportation, try to cook at home, generally avoid alcohol and stick to ($$) 2 dollar sign level restaurants. I don't really track anything, but make sure that I live within the sandbox I have defined for myself. Similarly, I have kept my investing strategy simple. Max out 401k + HSA immediately (ESPP if avilable) & never withdraw your stock vest (I do rebalance). That way I guarantee pretty hefty lower bound on my annual savings. Soon, I will be unable to count my major investments & spends on my fingers. At that point, I will absolutely be taking your advice.