scubakid

33 ms·

1. 421.▲
   by scubakid 5y ago

   Ouch, that's a lot of yearly maintenance. Would you recommend changing the default value or trying to make it dynamic/contextual in some way? Or perhaps just trying to draw the user's attention to it better?
2. 422.▲
   by scubakid 5y ago

   That's a good point regarding historical data, index fund availability, and investing fees. I suppose the current Monte Carlo mode is closer to saying "what might happen in the future assuming index funds remain accessible and giv
3. 423.▲
   by scubakid 5y ago

   Ah, I see what you mean. The way it works now, if you ignore the banner, things are disabled by default (e.g. Google Analytics). If you click settings from the banner, the switches default to on at that point (and you can toggle them off),
4. 424.▲
   by scubakid 5y ago

   Wow, if I had known just how popular a feature this would be I would have done it already! It's going to the top of the list now. And yeah I think the planning process does have an educational element to it, and the way you can quickly
5. 425.▲
   by scubakid 5y ago

   If you ever do a comparison, let me know! That would be cool to see.
6. 426.▲
   by scubakid 5y ago

   Hmmm, if you open up the "House" asset form and look at the "Value Change Over Time" field within the During Ownership section is it definitely set to "Match Inflation"? I just tried to replicate your scenario,
7. 427.▲
   by scubakid 5y ago

   Not yet, but based on all the commentary here I'll definitely be adding a sandbox mode where you can jump into a pre-configured scenario based on templates like that.
8. 428.▲
   by scubakid 5y ago

   Really good points! For #1, I agree that section can be a bit difficult for new users to grasp. It's laid out the way it is so that later you can simply click and drag to re-prioritize goals and see the effects, but I'll think abo
9. 429.▲
   by scubakid 5y ago

   Thanks! Appreciate the subscription, and I'm stoked you're enjoying the app. I imagine there are others in the FI community that might also get a lot out of it, but I'm not quite sure what the best way is to spread the word.
10. 430.▲
    by scubakid 5y ago

    What do you think would be reasonable?
11. 431.▲
    by scubakid 5y ago

    Thanks! If you have any questions or suggestions, feel free to reach out any time.
12. 432.▲
    by scubakid 5y ago

    If you create a Wedding expense event, there's a checkbox which should update your status to Married when that event occurs. Does that help?
13. 433.▲
    by scubakid 5y ago

    If you go to cancel a subscription, there should be a modal that pops up warning that persisted data will be removed if you continue to cancel. And yeah I see your point on wanting to come back and update things periodically. Is this perhap
14. 434.▲
    by scubakid 5y ago

    Thanks! Really appreciate the support :)
15. 435.▲
    by scubakid 5y ago

    Ah good call. I see how that can be confusing. Hopefully I'll also be able to add in a system where you can toggle some of these inputs between percent and fixed value as well.
16. 436.▲
    by scubakid 5y ago

    Much appreciated! And yeah before building this, I was surprised there weren't already more tools that can show you a nuanced view of what the future may hold and the ways various decisions affect that picture... and the complexity of
17. 437.▲
    by scubakid 5y ago

    Agreed. I've been thinking about making a "sandbox" mode like this where you can jump right in based on a template. Since there have been multiple others asking for something like this, I'll boost the priority.
18. 438.▲
    by scubakid 5y ago

    I'd be interested to hear what you think of the experience on desktop -- it's definitely better there than on mobile. But point taken; I'd like to keep making improvements for mobile as well.
19. 439.▲
    by scubakid 5y ago

    When you say it stopped, did it show a bankruptcy condition for you or more like a weird unexplained simulation stoppage? If the latter, I'll look into it right away, and if you can identify any simple reproduction steps that would be
20. 440.▲
    by scubakid 5y ago

    Yeah I go back and forth on what the default should be with regard to adjusting values for inflation. I have seen other planners do it this way, and perhaps one of the reasons why is so that you don't look at a high projected portfolio
21. 441.▲
    by scubakid 5y ago

    Thanks! Interesting thought, though I have a natural hesitance towards recommending advisors (who might steer towards active management) or investment products, since my initial vision was to try to make the tool as unbiased and objective a
22. 442.▲
    by scubakid 5y ago

    If you're puzzled by asset value appearing to decrease over time, it's possible this is because values are shown in Today's Dollars, i.e. values are adjusted to account for inflation. If you set the asset to appreciate in val
23. 443.▲
    by scubakid 5y ago

    One idea that might help with onboarding for users who want to jump right in is a sandbox mode where you can skip onboarding and plan creation and go directly into a scenario pre-configured to model one of several selectable templates or pe
24. 444.▲
    by scubakid 5y ago

    You should be able to set up one plan where you rent, then clone that plan and make some changes to add a house, and flip back and forth between the two plans to see the differences. Or, another way to do it is to make a single plan for ren
25. 445.▲
    by scubakid 5y ago

    Sure thing! From the beginning I set out to be as respectful as possible of people's data, but I gathered from the last HN post that I needed to improve some of the communication on that. Hopefully the summary helps, as well as some of
26. 446.▲
    by scubakid 5y ago

    Thanks! It started out as something I knew I wanted for my own planning purposes, as well as friends and family, and it's awesome to hear that it's a tool you too can imagine coming back to when you consider new life plans and dec
27. 447.▲
    by scubakid 5y ago

    Thanks! Really glad to hear you enjoy the improvements. I spent a lot of time thinking about the data modeling and visualization aspects, so I'm happy you find the configuration here less awkward.
28. 448.▲
    by scubakid 5y ago

    The way it currently works is: when a new user onboards and creates a plan, enters some data, and experiments with the app, plan data and results are kept on the client side and not transmitted. Calculations are performed in the browser, an
29. 449.▲
    by scubakid 5y ago

    Hmm, this sounds like the kind of thing that could happen if you have a huge percentage value in an expense or tax input by mistake, or something along those lines that could create an immediate bankruptcy scenario. If you double-check ever
30. 450.▲
    by scubakid 5y ago

    I'd say the premium / monetization aspect is something I'm still open to suggestions on. I knew I wanted most functionality to be free, so that everyone could use the tool to develop insights about their potential life trajec