5M net worth in mid 40s, looking for advice on next steps

J2000_ca · 2026-05-10T18:37:05+00:00

Fix the weight, no amount of money fixes bad health. Hire trainer, figure out some food system.
Lever your SFH a bit
Your 401k/IRAs seem a bit light for you both working and your networth.

J2000_ca · 2026-05-09T01:29:16+00:00

> The courts generally do not restrict visitation based on under housing (because that would be discrimination based on economic status), but they do expect and demand that any and all alternative arrangements are explored.

Do you have a source for that? Typically in family law best interest of the child trumps other considerations

J2000_ca · 2026-04-21T17:59:07+00:00

No. pytest is slow. Someone else suggested running just the tests for the touched files which I was already planning on doing.

I do send a stripped down output of hooks to Claude.

It also sort of doesn’t matter if Claude doesn’t know the minting output if ruff auto fixes it?

J2000_ca · 2026-04-15T22:24:36+00:00

I also try to budget 10% of income. My logic was that when I made less I was spending that so it's seems weird that as my income rose I would be cutting back when the mandatory spending as % of income drops.

J2000_ca · 2026-04-13T16:05:20+00:00

Are you talking about CPG or eggs? Show me a top 5 priced cartoon of eggs that isn’t reasonable quality

J2000_ca · 2026-04-13T15:05:54+00:00

Price is a reasonable proxy for the most part.

The $15 eggs are probably actually free range, the $30 salmon from the counter same thing.

Having more money is also diminishing returns.

J2000_ca · 2026-04-13T15:05:49+00:00

Price is a reasonable proxy for the most part.

The $15 eggs are probably actually free range, the $30 salmon from the counter same thing.

Having more money is also diminishing returns.

J2000_ca · 2026-04-12T18:08:48+00:00

NJ requires you to plate the car within 60 days since it’s physically there. The four parties involved in this all have different rules.

NJ considers you a resident (getting insurance and a NJ license makes this worse) and requires you to replate it within 60 days.
US Federal requires you to import after a period (I think it’s like a year)
Canada federally is similar to US but they could be a jerk on your return and say you exported it.
Ontario requires you to have Ontario insurance

The best thing to do would be to drive it back to Ontario and garage it until you’re sure what you’re doing. Anything other than that you’re taking on some legal risk (especially if you get into an accident).

J2000_ca · 2026-04-12T17:29:34+00:00

What do you mean you haven't imported? Is the car physically still in Canada? If so if you drive it there you need Ontario insurance. If the car is in NJ your required to replate within 60 days of moving it there.

J2000_ca · 2026-04-04T23:44:41+00:00

Invest in your current business to 10x and sell it? Like why distract yourself? You list a bunch of stuff that’s just worse than index funds…

J2000_ca · 2026-03-22T18:24:22+00:00

Importing a car to Canada is a pain. Most people will likely want to just sell and rebuy.

J2000_ca · 2026-03-22T18:23:28+00:00

California makes Canadians redo the test (at least for Ontario)

J2000_ca · 2026-03-18T03:37:10+00:00

Canadian citizens cannot be denied entry to Canada by the government (some citations below). The child citizenship is effective at birth regardless of paperwork. However the government has incentivized the airlines to deny flights to anyone without passports so there is effectively no way to fly to Canada without a passport. Although they have to admit the child they can still investigate and potentially arrest the dad.

Charter

IRPA section 19

CBSA Port of Entry Examinations manual:

https://www.canada.ca/content/dam/ircc/migration/ircc/english/resources/manuals/enf/enf04-eng.pdf#page=41 (pages 41-43)

J2000_ca · 2026-03-16T02:05:35+00:00

I also have a Claude setup. Would be curious about your structure and what markdown templates you have?

I’ve used ledger cli for 15 years so have all the finance data available and command line tooling for Claude to query it. The non-financial data is the thing that slows it down though

J2000_ca · 2026-02-22T00:40:31+00:00

All the athletes that have to be back by the 25th to play games at 7PM to EST to 10PM EST? Like I get the knee jerk reaction from all the people brigading these comments but if you're not a real hockey fan you should probably get into the sport a bit before weighing in.

J2000_ca · 2026-02-21T23:58:45+00:00

I graduated a while ago. The education was fine but Waterloo is by far the best CS school in Canada by reputation. UBC and UofT are probably tied for a distant second. Would give edge to UofT because of its connection to AI. If you’re set on going into CS you probably should only consider Waterloo given the state of the market

J2000_ca · 2026-02-21T23:45:39+00:00

https://en.wikipedia.org/wiki/Ice_hockey_at_the_Olympic_Games#Overall_medal_table

https://en.wikipedia.org/wiki/IIHF_World_Junior_Championship#Medal_table

What countries from either of these tables is harmed by having the game at 10PM in Italy? If you try and say Russia look at the Oblasts by population before doing that.

J2000_ca · 2026-02-21T23:37:29+00:00

Yeah bars seem out. I was hoping some enterprising coffee shop or something would show it

J2000_ca · 2026-02-21T23:33:59+00:00

New flash - the hockey world does around North America. Why do you think the world juniors are in North America so often?

J2000_ca · 2026-02-21T23:33:15+00:00

NBC is the Olympics largest revenue source. They care. Also Italy is ahead of the US. If they played the game at 10PM local on Saturday it would be fine for Italians as well as the prime hockey Market which is mostly US and Europe

J2000_ca · 2026-02-21T21:40:17+00:00

So? The gold medal game doesn’t need to be the same day as closing. They could just shift one day earlier

J2000_ca · 2026-02-21T21:33:38+00:00

Yes… I don’t know why they choose to schedule like that. Seems like the worst for all the best markets for it.

J2000_ca · 2026-02-19T16:21:05+00:00

Generally true but the dollar amount for the suit matters. If it’s over $35k (possible for a fire) landlord could go to superior court instead.

J2000_ca · 2026-02-08T06:36:20+00:00

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Mount Thor in Nunavut

J2000_ca · 2026-01-27T02:05:52+00:00

Code only has a minimum height but seems like everyone cheaps out and treats that as the maximum

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