scubakid

32 ms·

391.
by scubakid 5y ago
I've always marvelled at the huge discrepancy in sleep needs between people; many need 7-8 hrs per night, but some report 4-6 feeling optimal. Anyone care to guess if future technology/medicine might ever be able to improve rest&#
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by scubakid 5y ago
Agreed on Excel not being a suitable tool for MC; that's one of the many things that pushed me in the direction of building ProjectiFi. Within ProjectiFi, I'm sure there are some things that could be done to speed them up further
393.
by scubakid 5y ago
For now I tend to agree with marvin here, but I may add something for this eventually. If you already know of some good APIs for grabbing the latest conversion rates, let me know. I want ProjectiFi to feel like it can quickly model most of
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by scubakid 5y ago
Selling data is not part of mine. In fact, once the page loads you should be able to turn off your internet connection and have all the planning/simulation features still work. Everything stays client-side by default, the only way plan
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by scubakid 5y ago
Gotcha. Yeah after the countdown it auto-advances. I hoped that widget might feel playful, but I totally see your point.
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by scubakid 5y ago
Good call, I should have thought of that.
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by scubakid 5y ago
It does seem a bit niche, but there's been modest traction so far. And sure, I'd be curious to hear how your Monte Carlo implementation might differ. Feel free to reach out on email/discord if you'd like to chat more.
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by scubakid 5y ago
Do you mean the animation should be faster when you open a new one? If so, good to know -- that'll be a simple tweak. I'm sure I should put more effort into the landing page overall... the reality is that so far I've spent ne
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by scubakid 5y ago
Wow this is like a flashback to my own experiments in Excel, prior to going full mad-scientist for the past 6 months and creating a web app for FI/FIRE planning called ProjectiFi: https://projectifi.io/ I had been usi
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by scubakid 5y ago
Do you think I should add another goal type called "Cash Reserves" which is functionally equivalent? Maybe that would be more intuitive.
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by scubakid 5y ago
> There's no way to know that before choosing a paid plan though, is there? On the home page in the "How it Works" section, there's a screenshot showing how you can remove your data. Perhaps I should make that even mo
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by scubakid 5y ago
That's sort of the intent of the emergency fund goal. If you put that as a higher priority, it will maintain that much in cash holdings.
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by scubakid 5y ago
Is it possible there's an auto-generated financial goal set to a high priority in your list which is trying to pay it off ASAP?
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by scubakid 5y ago
Thanks! Are there some specific investment types you'd like to see? And/or perhaps a more general custom investment type with lots of configurable rules/controls? I'd also be curious what your thoughts are on how most th
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by scubakid 5y ago
good points. sounds like there need to be some controls added where you choose how you'd like to specify those values.
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by scubakid 5y ago
The lifetime plan is already a one-time payment option. Are you saying you feel it's priced too steeply for intermittent use?
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by scubakid 5y ago
username checks out :D It's true though, making a detailed plan requires detailed inputs. Are there any specific areas in the funnel that you would recommend cutting out or altering?
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by scubakid 5y ago
Thanks for the ideas! I've been feeling like the initial conditions concept could use some work, and this approach sounds promising -- seems like it could also facilitate playing around with different initial conditions in different pl
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by scubakid 5y ago
Thanks for the heads-up, I'll take a note to change that behavior.
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by scubakid 5y ago
Those are some very interesting systemic issues to think about indeed.
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by scubakid 5y ago
That's where the financial goals section comes in. Once you add some goals like retirement account contributions or taxable investments in independent brokerage accounts, the simulation will rebalance/invest according to the order
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by scubakid 5y ago
Ah, didn't realize it wasn't. Good catch!
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by scubakid 5y ago
Thanks! In this case I guess you could say I started out with a design idea in mind first. I wanted a tool that could model my whole life in a single view and re-render changes immediately to encourage quick experimentation. I had an approx
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by scubakid 5y ago
I wonder what major changes and developments we might be likely to see within our lifetimes... do you have any intuitions there? If so, I wonder if there might be additional variables or situation types/probabilities that could be inte
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by scubakid 5y ago
True, planning for life and tax stuff does seem like a more distinctly helpful service. I have no connections in the financial advisory space, but in general I'd be open to discussing this kind of idea further.
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by scubakid 5y ago
Thanks Jonathan. Appreciate the callout about the chart -- I'll look into that. For dependents, wouldn't "discount expenses after some date" be roughly the same as taking some from your current living expenses and puttin
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by scubakid 5y ago
You're very welcome! Throughout the course of the pandemic, I went from knowing only a little about personal finance and financial independence, to researching everything I could get my hands on and eventually building this tool. Worki
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by scubakid 5y ago
Apologies. I'll take another look at that on various mobile resolutions and make it less obtrusive and easier to close.
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by scubakid 5y ago
Thanks for the thoughtful response! And sure, feel free to continue the conversation over email if you like. Currently, when you create a debt item or financed asset "X", there should be an "Extra X Payments" financial g
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by scubakid 5y ago
I'll definitely look around and see if I can integrate additional historical datasets. That should be a pretty smooth integration if I can find good sources. For taxes, do you think there are some specific ways the tool could maybe be

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