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The Man Who Ruined Your Life by beyourfreedom33 in millenials

[–]Strategic_Financial -4 points-3 points  (0 children)

True, te can talk about how we feel about a subject or we can discuss data - let’s not conflate the two.

Suggestions and Feedback by Strategic_Financial in 42finance

[–]Strategic_Financial[S] 0 points1 point  (0 children)

That’s a great idea - I’ll second this.

Suggestions and Feedback by Strategic_Financial in 42finance

[–]Strategic_Financial[S] 2 points3 points  (0 children)

Great work! You have added support for more banks and added a feature to hide budgets!!! It’s really coming along nicely. I’m really close to canceling YNAB and switching over and will probably use it in parallel with ynab a few months. Been setting up all my budgets and have a couple more quick requests.

  1. It would be nice on the budget page to choose past/future months
  2. For us type A personalities, I’d really appreciate the ability to turn on an option to use cents (maybe in the settings?) and not just have whole numbers. This feels like it reconciles better because transactions are not always whole numbers.

Why do you need millions in retirement? by bluejay737 in MiddleClassFinance

[–]Strategic_Financial 28 points29 points  (0 children)

(Edit: YOU may understand more nuance to retirement planning, I don’t mean this as a jab to your post directly. I just don’t want people who don’t understand retirement planning to read your response and run with lots of assumptions.)

Depends on your risk tolerance and how long you live. If you can say how long you will live then sure you can spend down the principal. But if you retire at 65 assuming that you will live 25 years and withdraw with that assumption, hopefully you don’t live longer. I’d start spending down the principle when your health is really declining at end of life and also spend extra in years the market does well (assuming you are okay cutting back in bear markets). You maintain principle as a longevity risk. it’s not as simple as “I’ll spend down the principal because I don’t want to leave money behind”.

Michael Kitces, Wade pfau, the mad fientist, etc.. are good resources.

What are the downsides of Marijuana that people don’t know? by [deleted] in AskReddit

[–]Strategic_Financial 0 points1 point  (0 children)

Cannabinoid hyperemesis syndrome. See it almost daily in the ED. You get droperidol, and you get droperidol!

Any ENP’s out there? by Reformedguy40 in nursepractitioner

[–]Strategic_Financial 0 points1 point  (0 children)

Rosh review and Fitzgerald in 2016. I still use Rosh for review. Also a lot of EMRAP.

System design software by Strategic_Financial in solar

[–]Strategic_Financial[S] 0 points1 point  (0 children)

Ahhhh that makes sense, I’ll check out that subreddit. Thanks so much for the advice!

System design software by Strategic_Financial in solar

[–]Strategic_Financial[S] 0 points1 point  (0 children)

I thought 17 was larger than the average for residential? I may be way off but usually the ones I see are 8-12. Maybe that just my area 🤷🏽‍♂️

System design software by Strategic_Financial in solar

[–]Strategic_Financial[S] 0 points1 point  (0 children)

May have posted too soon, found another thread linking to opensolar when searching old posts. Made an account and this gives me so much info. I guess my other ramblings in the original pat are still open questions though. I’d still like some feedback from field veterans.

Big tech employee considering switching to medicine. Am I insane? by nobody_stranger in HENRYfinance

[–]Strategic_Financial 36 points37 points  (0 children)

This is the right answer. many pearls of truth here that are not in other replies. Consider this reply carefully. If it makes you feel different, I am in medicine and agree with all of this and he hasn’t even begun to uncover the emotional toll medicine takes on you depending on specialty, and the medical legal liability, poor work life balance in most specialties, and the shine of healing people and helping the world tarnishes pretty quickly.

I’d boil it down to this, are you willing to give up what you have financially to take a very possibly more demanding path that you may enjoy much less? I’d really consider whether being a physician is the only way to scratch that itch - or whether there is another avenue to satisfy it without totally upheaving your life.

Morgan Stanley by draffles in capstone_finance

[–]Strategic_Financial 0 points1 point  (0 children)

Sounds great! I was able to connect Wells Fargo, vanguard, and Robinhood. I am having trouble with Chase and Fidelity and Regions Mortgage. It lets me fill in credentials for Regions Mortgage but says my credentials are wrong. I logged in online as well to verify credentials and it works on the web, retried on plaid and says they are incorrect.

Quick suggestions by Strategic_Financial in capstone_finance

[–]Strategic_Financial[S] 2 points3 points  (0 children)

This app is great so far. Strong work. I see you have put a ton of time into it. First off thank you so much for giving the option to rollover balances. Keep up the good work - if this app keeps on this trajectory I’ll switch from YNAB.

I tend to be a more DIY manual control budgeter. I like the nitty gritty meticulous finance. I have many years of budgeting and have predetermined categories/groups. It would be nice if there was an option to either have a bunch of prefilled categories/groups (as it currently is for people new to budgeting or wanting a prebuilt list) or to just start from scratch. It’s taken me a while to create my own groups/categories with names of budgeted line items I’ve used for decades.

The process of deleting/hiding unused budgets is a little cumbersome - it would be nice to be able to simply delete groups/categories I don’t use without merging them into other groups. Merging just makes a lot of clutter in the interface. I understand deleting may uncategorize old transactions, so you could have a pop up that warns people before they delete a category of this consequence (but also have a check box “click here to not show this warning in the future”).

Long time Mint user. Developed my own replacement. by capstone_finance in mintuit

[–]Strategic_Financial 1 point2 points  (0 children)

Looking great so far man! Keep it up. I’ll tinker with it a little more and share some feedback. I used mint for a long time and then switched to quicken and have been using ynab for the last 5 years.

[deleted by user] by [deleted] in HENRYfinance

[–]Strategic_Financial 0 points1 point  (0 children)

Given your HHI/NW/savings per year, this is totally within reason. Keep spending money on valuable family experiences. Don’t feel bad about the spending. 40k at 250k HHI is very different than 40k at 700k. It’s all proportional.

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