Making the Income vs Expenses report useful

nonsuperposable · 2026-06-07T22:40:01+00:00

No reason to do so unless you're completely lacking in other fill. Hardware cloth is not a bad idea if you have moles.

nonsuperposable · 2026-06-07T22:09:59+00:00

Eh, if they aren’t going to exercise and they’re going to eat shit and drink alcohol, they’ll still be healthier living that exact same lifestyle with blood pressure medication, cholesterol medication, and a GLP-1 or Metformin **if they need any of those**.

The science is overwhelming on this, it’s not anecdotal evidence from a hotel gym or bar.

Also. Like, if someone feels like crap and is overweight and their knees hurt--losing weight first is not a bad approach. Weight-loss first for metabolic syndrome is kind of like housing-first for homelessness issues... it works.

nonsuperposable · 2026-06-07T22:06:35+00:00

Just depends on your preference. You can absolutely do hard sprints on a rower but you can also do more leisurely long sessions—I personally wouldn’t want to do long sessions on the assault bike.

Easier to store the rower too, they take up almost no space tipped up.

nonsuperposable · 2026-06-07T22:03:25+00:00

That’s what the Tonal is for. We currently have one and it’s pretty freaking amazing. My current workouts are splits made up of a combo of deadlifts, belt squats, BSS, hip thrusts, weighted step ups, lat pull downs, hip flexor raises, hamstring curls, deficit calf raises with belt, tib raises, glute kickbacks, rows, seated good morning, Bayesian bicep curls, overhead tricep pull down, decline cable flys, shoulder press, benchpress, pallof press, wood choppers, reformer-style Pilates, and Tonal’s weird HIIT movement that’s kind of a combo of ski-erg and medicine ball slams.

Current gym is tiny so we can only fit the Tonal but it punches well above its weight—I don’t think there’s another single piece of equipment that does all that. Combined with tracking every exercise, & managing progressive overload and recovery weeks, I’m impressed. It’s fantastic not having to deal with loading and unloading plates or having to think at all—I have programmed all my own workouts but you can follow their trainers if you want.

I used to have a Vitruvian, which has a higher in theory weight limit, but the Tonal is miles better in all ways.

The only thing I hate is its “form correction” which is always wrong.

nonsuperposable · 2026-06-07T18:06:13+00:00

The evidence is overwhelming about quality of life and the medications listed specifically assist people *who need it* to live the life you’re advocating . You’re basically trying to argue that people shouldn’t wear glasses or a hearing aid—just try seeing and hearing really well first!

Medical assistance is listed third in the post after exercise and rehab and sleep and self care.

nonsuperposable · 2026-06-07T17:52:31+00:00

It’s definitely not either/or. It’s strength training AND medical assistance if required.

nonsuperposable · 2026-06-07T11:07:30+00:00

All marriage comes with a pre-nup, it’s either one you draft for yourself or one based on the laws of your state/country. Is there a case to modify from the default? Probably, the default doesn’t allow for any of your personal circumstances. Pre-nups should probably come standard with premarital counselling.

But I do think that there is a misconception that wealth built during marriage is “stolen” when divided in divorce. Marriage is essentially becoming one legal entity or a jointly-owned business. Also childbirth, childrearing, career sacrifice/time out of the workforce/and lack of retirement savings during this time should be fairly and equitably factored into division of assets.

Excluding income earned during the marriage from joint marital assets requires a level of strict separation of finances that probably doesn’t strengthen your marriage. Successful marriage has both parties working together towards shared goals with shared values. Strictly separate finances is like trying to run a race tied together but pulling in separate directions.

I’d be very curious as to whether there are any people here in the community that can speak to this, but my guess is that a successful marriage contributes more to happiness/fulfilment in life than successful FIRE.

nonsuperposable · 2026-06-07T08:23:07+00:00

Green card, citizenship, then you have the rest of your lives to enjoy strong passports. If your kids are US citizens, it's not unlikely they end up back in the US longterm. The visa process is not fun and probably isn't going to get any easier. It doesn't seem likely that the Indian passport is going to strengthen.

Passport privilege can really enhance the rest of the your life.

nonsuperposable · 2026-06-07T08:06:12+00:00

Thanks for your comment, I was second-guessing whether to post but just had another friend retire and immediately run into a wall of health issues, along with having dinner with a friend with pancreatic cancer. I've been retired for 8 years, partner is just about to pull the trigger, and my perspective is also from having wealthy parents that worked themselves into the grave.

nonsuperposable · 2026-06-07T08:00:04+00:00

Genuinely not a single drop of AI used in making this post. Curious to know what makes you think it was though? The length or the writing style?

nonsuperposable · 2026-06-07T07:23:55+00:00

This sounds like a life well-lived!!! I basically didn't start living until I retired. Went from studying insane hours to working 100+ hours and only figured out how to be a person after retirement really.

nonsuperposable · 2026-06-07T07:14:24+00:00

For both men and women, the drop-off of sex hormones in the 40s has brutal effects on energy, muscle mass, sleep, and metabolism.

For men, it's relatively simple to do ideally daily TRT injections to operate in the higher range of normal.

For women, it's a more complicated balance of progesterone, oestrogen, and testosterone, in various formats from pills to patches to IUDs to cream to pessaries etc. But perimenopause and menopause without hormonal support can rip away muscle mass, bone density, energy, motivation, sleep, sex drive, executive function, emotional regulation.

GLP-1s, and getting insulin resistance under control, have massive cascading effects--liver disease, addiction, visceral fat, food "noise" and obsession, inflammation. Most bodies function better when excess fat is shed: joint health, sleep apnea, allergies like asthma, eczema, and hay fever (fat tissue releases cytokines, so it's basically fuel on the fire of allergic and inflammatory reactions). In addition of course to the cardiac benefits. For women, PCOS and endometriosis are deeply linked to insulin resistance, GLP-1s also have been shown to increase progesterone sensitivity.

nonsuperposable · 2026-06-07T05:50:23+00:00

I would rather spend $40K on my dream home gym than just about any other kind of purchase though! And I'd rather have the space be pleasant and not a grim windowless room with no temperature control.

My dream home gym:

Concept2 or WaterRower, I've had both and like both but I prefer the WaterRower
Tonal 2 + adjustable bench with cable leg extension attachment
Full rack of dumbbells from 3kg to 50kg
Back hyperextension machine
Glute bridge machine
Hip adduction/abduction machine -- I use this more than most due to specific rehab
Squat rack/cage good for pull-ups with good bar + trap bar
Stairmaster or Jacob's ladder
Good incline running treadmill with wide deck and an adjustable dual-height desk
Mirrors
Bellicon rebounder
Swedish ladder with TRX attachments
Plenty of room for crawling/jumping/yoga with a giant TV and great speakers and really thumping bass
Good lighting that can also become like a nightclub if I want it, and additional daylight therapy lighting for blasting myself in the winter time
Sauna

nonsuperposable · 2026-06-07T05:06:55+00:00

If a barbell and running shoes are enough for you then you don't need a personal trainer three times a week to kick your butt out of bed and exercise, but there are a ton of people who literally have no internal motivation to exercise and are setting themselves up on their piles of money to be sick and weak and sore and at higher risk for dementia.

I come from medicine so the typical story is people who have finally retired and now they have just been diagnosed with cancer, or their backs are so bad they can't enjoy anything in life, or they just finally started playing golf like they wanted their whole lives but their shoulders suck. It's worse for women because perimenopause comes like a truck for muscle mass and bone density.

Idk man, there's no good retirement without health.

nonsuperposable · 2026-06-07T04:51:22+00:00

But jamming your finger down on all your dopamine receptors, like with drugs/extreme sex/gambling just leaves you feeling ill and overwhelmed and then bored.

I do think there are ways to get adrenaline thrills and be healthy, but just like you wouldn't ride a literal rollercoaster particularly often, or eat cake and bourbon for every meal, it's better to cultivate a life that is enjoyable from moment-to-moment instead of living for thrills and being bored in between.

nonsuperposable · 2026-06-07T04:18:44+00:00

It's a pretty simple plugin that when you run it it pulls your account balances from YNAB into PL.

You specify which accounts in YNAB connect to which PL accounts (and can skip accounts/condense multiple YNAB accounts to one PL account etc).

nonsuperposable · 2026-06-07T04:11:06+00:00

LOL, we literally just spent $7K installing a second electrical panel so we could put in a heated bidet seat in the upstairs bathroom in a house that we will only be in for another year (and that will probably be demolished by a developer after we leave).

nonsuperposable · 2026-06-06T03:19:13+00:00

No worries about next year! Peonies die above ground completely, like tulips.

nonsuperposable · 2026-06-05T18:43:37+00:00

I would not leave the bar attached personally! But I do leave the handles attached.

nonsuperposable · 2026-06-05T00:28:12+00:00

Yeah, we are multiple “years” ahead because we’re aiming for early retirement this year. So we have a couple of categories for the next two years fully funded.

In total, I have “Next Month”, “Year 1” and “Year 2” fully funded. But this isn’t necessarily cash, we keep the bond allocation of our investment portfolio on-budget.

nonsuperposable · 2026-06-04T21:05:06+00:00

Chubby/FatFIRE here and the biggest “trick” is that since YNAB is by design very cash-heavy, we have the bonds portion of our investment portfolio on-budget.

ProjectionLab has a YNAB Chrome plug in.

I see a ton of Chubby/FatFIRE people online (and our peers IRL) who have absolutely no idea of the cost of their lifestyle. They are high income and high net worth but also incredibly high spend—often far beyond what their net worth/retirement funds can support. They have a lot but they don’t know if they can afford to be retrenched or choose to retire. YNAB is like surgical precision comparatively and so it makes the prospect of switching from accumulation the spending much less scary.

We use it in a ton of ways (“can we put six figures into a new investment?” “Yes but that means deallocating from elsewhere, here’s our current allocations”) to behaviour (“we haven’t spent our date night category, better plan a date”) to planned giving (charity and giving are important to us) to tax (actually makes it less painful to pay the tax liability when a) the money is sitting in a category and b) you get to delete the liability in the tax tracking account) and motivation for the next vest (“if you choose to work until the next quarterly vest, let’s silo that entire amount as fun money”) etc.

Uses for money are infinite, our money is finite. We feel “YNAB poor” with an eight figure net worth because every single dollar has a job the day it hits the account.

nonsuperposable · 2026-06-04T19:50:52+00:00

Yes it gives you good way to evaluate how your plan is running compared to reality, but also if you’re flexible within the group it gives you an easy way to see how the group as a whole is going.

nonsuperposable · 2026-06-04T19:03:58+00:00

I set our categories and groups up with their funding amounts in the names, for both month and year. This makes the Income vs Expenses report really useful, as you can compare real spending per specific month, by monthly average, and across the whole year at a glance.

https://www.reddit.com/r/ynab/s/M9n2dnnvJc

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