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Joined 2 years ago
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Cake day: August 3rd, 2023

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  • Are you trying to track expenses or budget? The difference is in how you’re using the data. Busgeting is a much more active process of making sure money is going to the right place. The difference is a deep topic that might be beyond the scope of your question so I’ll leave it at that for now.

    For budgeting, the gold standard is still YNAB. There are plenty of valid criticisms to level against it but I’ve done a lot of research and tried out a lot of tools and it’s still the best.

    I am keeping a close eye on ActualBudget. It’s not ready for me yet, personally, but they’re doing fantastic work with that project. If you don’t mind a little extra technical maintenance (barely any with PikaPods as another comment suggested), it can get you a long way. Notably, this is the most private recommendation I can make. Since you run your own instance and it’s open-source software, you can tell exactly what its doing with your data. Automatic bank import is available but not required or pushed on you.

    If you’re interested more in tracking, Mint used to be the easiest tool to get into. Unfortunately with it shut down, I’m not aware of any similar replacements. If I were looking for more of a tracking and reporting tool, I would probably import my bank data into a spreadsheet and go from there. I think there might be a gap in the market here (though I also think there were a lot of Mint users who really needed a budgeting tool and, IMO, it wasn’t very good for that).

    I’ve started looking at PocketGuard which might be a good replacement for Mint and fit your needs. I can’t speak much about it myself yet but it looks interesting.



  • I have tried to solve this many times as I want to regularly back up my Google content - mostly the images for the same purpose you mention.

    Unfortunately there is no good solution I’ve ever come up with or found. I even looked into scripting with something like puppeteer. It requires regular confirmation of your authentication and I just haven’t found a good way to solve that since there’s no API access. It also won’t let you use any cli tools like wget. You could probably figure out how to pull some token or cookie to give to the cli but you’d have to do it so often that its more of a pain than just manually downloading.

    My solution currently is to run a firefox browser in a container on my server to download them. It acts as sort of a session manager (like tmux or zellij for command line) so that if the PC I’m using goes to sleep or something, the downloads continue. Then I just check in occasionally through the day. Plus I wanted them on the server anyway, at the end of the day. Downloading them there directly saves me having to then transfer to the server.

    Switching to .tgz will let you make up to 50GB files which at least means fewer iterations and longer time between interactions (so I can actually do something useful in the meantime).

    I sincerely hope someone proves me wrong and has a way to do this but I’ve searched a lot. I know other people want to solve it but I’ve never seen anyone with a solution.




  • I use Lidarr. I know its primary purpose is downloading but if you just never configure those parts, it can do all the renaming, folder organization, and metadata tagging. It uses MusicBrainz primarily, iirc. You can also configure scripts to run it through beets or other tools too.

    There’s no perfect solution for this because music metadata is a lot more complicated than movies or tv. But Lidarr gets pretty close to set-and-forget.

    I’ve also tried MusicBrainz Picard with pretty decent results but I found it sort of suffered from the problems you described for your current system.



  • There’s already an envelope budgeting tool called You Need A Budget that’s well known in the personal finance community, making this naming feel intentionally misleading. This tool is also not how the envelope system works. It’s not an envelope per day, it’s an envelope per category.

    I want to assume best intentions here but this project is raising some major red flags for me and I haven’t even looked at the source code. I even kind of wonder if its AI…



  • This guy really has it out for this podcast. This reads to me like Guy Raz personally pissed him off. It’s been a few years since I listened to How I Built This but most of the ones I listened to were about the early days of the company when it really is kind of the leader doing long hours and chasing a dream. I think we can recognize that and also recognize what the companies became later.

    Many of the ones I listened to would mention that it was a lot of luck - though there were exceptions and those CEOs didn’t come across well. It also talked pretty openly about companies that got stolen - Dippin’ Dots and Burt’s Bees come to mind.

    Maybe the vibe has shifted since I stopped listening but this feels unnecessarily harsh. Personally, I don’t think this would be the right venue for pressing them on hard issues like unions and regulations - maybe as a retrospective at the end of the interview at most. I think we can recognize the hard work and long hours that go into starting these companies without also accepting their suspect business practices as they get larger (which can have a lot of complicated drivers). Attack the companies and CEOs, not a podcast host who is just trying to make an easy and interesting podcast.




  • I think it’s much harder to add something like an ESPP to this kind of generic flowchart. There are too many ways to vary it, not to mention it’s a single investment in a single company. It would be hard to specify even a single category of stock to invest in that would apply to anyone at any time, let alone a single company. If you ask me about an ESPP for 10 different companies, I’d have 10 different answers.

    Something like a 401k is fairly similar everywhere. You can’t recommend specific funds but nearly all 401k’s will have roughly the same options available and the vesting and matching options follow one of a handful of schemes so you can safely make a recommendation there without the specifics having a large impact on the outcome.

    Ultimately, an ESPP is a taxable account and you would apply it there (at the end), if anywhere. Like any other individual stock, it should be considered as part of your overall portfolio. For example, if you work at a large cap tech firm, you may want to account for the additional risk you’re taking on by reducing your large cap investment and expanding other categories (note, this is not a perfect balance and is by no means a recommendation).

    If you choose to manually build a portfolio (as opposed to a three- or four-fund portfolio) or you work with an active manager, you or your manager can fine tune it better.


  • It’s never a guarantee and anyone who believes that shouldn’t be investing in the market. But it would also be fair to say many (most?) don’t understand the nuances of an ESPP.

    I took part in one when it was available to me. I just built it into my overall risk profile. It was a fairly stable company and our discount was 15%. We had to hold it for two years for the cost basis to show the discount for tax purposes to incentivize holding on to it. It would be extremely unusual for the discount to be wiped out even if you held on to it for two years or more - but as you point out, it’s not impossible. It also came out of payroll so to be honest I couldn’t cut a ton out of every paycheck anyway, at least not without sacrificing other parts of the portfolio and increasing my overall risk.

    It’s not just a free bonus but I think it can be a good way to get a little boost as long as you consider your whole portfolio and how any restrictions may affect that return.



  • I don’t think the article included it and it’s a little difficult to find the phrasing.

    I found a sample ballot

    https://www.boe.ohio.gov/clark/c/upload/ELEC_BallotProofs.pdf

    The phrasing there is

    To create an appointed redistricting commission not elected by or subject to removal by the voters of the state

    However a vote of “Yes” would establish a non-partisan (or, IMO more accurately, a mixed partisan) committee of 15 (5R, 5D, 5 other) where a majority of the committee must approve the redistricting.

    The extended description starts with this

    1. Repeal constitutional protections against gerrymandering approved by nearly three-quarters of Ohio electors participating in the statewide elections of 2015 and 2018, and eliminate the longstanding ability of Ohio citizens to hold their representatives accountable for establishing fair state legislative and congressional districts.

    Technically all of this is correct but I can absolutely see how it’s misleading voters.

    Full disclosure, I’m not a lawyer or political scientist and I do not live in Ohio.


  • There’s a lot of comments talking about used and refurbs. I personally use these types to get good deals but I also have a reasonably robust backup protocol. Not a full 321 backup but an appropriate level of risk for my needs.

    My point being, if you go that route, they’re cheaper but the odds that one dies on you might be higher. Make sure you manage your backup strategy to a risk value you’re comfortable with.

    That said, I’ve also had great experiences with serverpartdeals. I’ve also used diskprices.com to find deals.

    Things to consider are noise, temps, power-on time, etc. For myself, temps are fairly consistent in my case and it’s in a closet so I don’t care about noise. I also don’t need particularly fast access on the HDDs (I use an nvme cache strategy as well) so I can pretty much use whatever. Your needs might differ.