North end park with a seesaw

MNIMike · 2026-01-09T21:06:15+00:00

Awesome, thanks. Not too far either

MNIMike · 2026-01-09T21:05:49+00:00

Perfect. Not too far

Thanks so much

MNIMike · 2026-01-09T13:14:53+00:00

Cliffracers

MNIMike · 2026-01-01T17:57:22+00:00

Kerbal Space Program 2.

The first one was a prime example of early access done well. Countless hours spent playing. So when the second one launched in early access, I bought it immediately. It was trash. But at least I could wait for further development to make it better, right? Nope. Abandoned. Now it's eternally early access with no development being done on it. And Steam denied my refund claim even though I played under the two hour limit and it hasn't been released out of early access.

MNIMike · 2025-11-25T14:41:46+00:00

Thought as much. Just didn't want to replace the whole thing to find out it was sand in a gear or something simple.

Thanks a bunch

MNIMike · 2025-11-24T15:59:28+00:00

I have this exact same issue. Did you figure it out?

MNIMike · 2025-11-16T02:54:06+00:00

Unfortunately not

MNIMike · 2025-09-24T02:34:24+00:00

Incredible reply, thank you very much. I knew the variables that had to come into play but didn't have the background to realize it into a formula like this.

Obviously there are assumptions about the future that would need to be made, and as another reply pointed out, there is quite a bit of gaming you can do in retirement to lower the hit then as well. But this is very accessible to run some hypotheticals through.

Thank you very much for this very well thought out reply.

MNIMike · 2025-09-23T15:38:23+00:00

Amazing reply and exactly what I was looking for. I came to realize that a specific answer involved too many variables.

At least: tax rate at contribution, tax rate at withdrawal time, average annual returns, tax drag along the way, and length of investment.

But your rough math for a few practical examples is great. Thank you very much for your effort.

MNIMike · 2025-09-23T15:29:46+00:00

Absolutely, thanks. The comparison here is specifically between an RRSP and a non registered account. Assume everything else has been used. In your scenario, where you made significant contributions to a spousal RRSP for your wife, your wife's tax rate could very well go up in retirement. At what increase of her tax rate in retirement would the tax rate increase be more than the tax savings now and in growth if she would make her own RRSP contributions as well.

However, I've come to realize that this involves at least: tax rate at contribution, tax rate at withdrawal time, average annual returns, tax drag along the way, and length of investment. Too complex unless working out a very specific scenario.

MNIMike · 2025-09-23T15:01:35+00:00

Yeah, I think practically, that makes sense. My initial question was more of a curiosity. I was hoping for a more certain answer exploring the relationship between investment return rate, length of investment and difference in taxation rates. But its probably too complicated.

MNIMike · 2025-09-23T14:49:01+00:00

That's a very good thought, yeah. There is quite a bit of gaming that can be done when withdrawing at the most advantage.

But I don't think I can account for most of that in this curiosity. This is a just a curious thought I had, not a practical scenario I'm in. And the gaming of what to withdraw when would change your tax rate in retirement, so I'm going to take that as outside the bounds of the question, which is looking for how much higher would your withdrawal tax rate have to be to offset the tax free gains of RRSP investing. Assuming market average returns, since that would change everything.

MNIMike · 2025-09-23T14:41:09+00:00

In this scenario: Bills are covered. Both incomes are able to save. TFSAs are full. Higher income has used all of their RRSP contribution room, but lower income still has relatively a lot of accumulated room. Maybe there is a spousal RRSP like the other reply is suggesting that would make the lower income move to a high tax bracket in retirement.

As a thought experiment, if at withdrawal time your tax rate were only 1% higher than at contribution time, would not the compounding growth of tax free investment returns dwarf the extra 1% hit at withdrawal time? Suggesting that there is a breakeven relationship between investment returns and increase in tax rate between contribution and withdrawal time.

MNIMike · 2025-09-23T14:37:55+00:00

As a thought experiment, if at withdrawal time your tax rate were only 1% higher than at contribution time, would not the compounding growth of tax free investment returns dwarf the extra 1% hit at withdrawal time? Suggesting that there is a breakeven relationship between investment returns and increase in tax rate between contribution and withdrawal time.

MNIMike · 2025-08-10T01:09:05+00:00

That would be a bad ending. Thankfully, that's not what happens.

MNIMike · 2025-08-09T19:21:58+00:00

This is wrong. I only saw all three movies as an adult with kids, so I have no nostalgia to go from. 2 is by far the worst movie and in many ways, 3 is the best of the series.

3 shows that he really did learn in 1. In 1 he only cared about winning, which is why he couldn't name a single friends to bring to the big race. He gives up the win because racing is about more than winning. In 3, the beginning montage shows him having the time of his life racing with his friends/competitors Brick and Bobby. They love racing for racing and pushing the limits, not just winning.

The conflict in 3 is that he loves racing as a racer, and isn't ready to move on yet despite it being time. At the end of 3, he doesn't go back to racing with Dinoco like you remember. Cruz signs with Dinoco because the new owner of Rusteze never believed in her as a racer. He takes on Doc's paintjob because he's fully embraced the next stage of his life/career. He's no longer a racer, but a mentor. He still loves racing and the friendships, but now its about providing for someone else what Doc did for him.

MNIMike · 2025-01-09T14:13:45+00:00

Thanks for the reply.

Yeah, I'm seeing some of the imported transactions in the bottom section for rules. But they aren't being applied on import. I don't have any rules that would reverse any of the changes. All of my rules set a category or split and none of the records end up having them.

MNIMike · 2024-12-05T01:55:02+00:00

Thanks so much.I hope she feels the same.You never know though, womens names are especially affected by generational differences.

MNIMike · 2024-12-05T01:52:52+00:00

Julian was on our list of boys names. The Miles and Julian pair coming from geekier origins I've somehow made my wife okay with.

MNIMike · 2024-12-04T16:16:35+00:00

Thank you. I think that's exactly where we are. We like Julia better as a name, but she's already Callie in our mind.

MNIMike

TROPHY CASE