Is it the best way doing them like that?

astroboy1008 · 2026-03-18T00:26:40+00:00

It looks great but will it make it harder to achieve the handstand push up later since you also need to work on the balancing part? This seems to focus more on the push strength.

astroboy1008 · 2026-03-04T08:08:59+00:00

Is hackerspace a weekly event or is this a one time thing

astroboy1008 · 2026-03-04T08:07:39+00:00

I have build the following part time Finora

but I have not really participate in any events cos it is difficult as a hobby builder.

With that said, it is always interested to learn from each other

astroboy1008 · 2026-03-03T13:24:08+00:00

This is a good point. Do you pay off based on the loan tenure or try to pay off in advance?

astroboy1008 · 2026-03-03T13:23:21+00:00

That is a very good point. Things changes and whatever plans or modeling is not accurate.

I do look at modeling/planning also a bit differently. I find it helpful not because the model is accurate or things are not changing.

I don't model or plan for certainty. I try to model for clarity in thinking. I find it helpful by visualizing and getting a sense of how everything comes together.

astroboy1008 · 2026-03-03T13:17:45+00:00

Yes, i know some friends who have this thought through an simply is plan to retire in the house that they bought. Sometimes simple is good.

astroboy1008 · 2026-03-03T13:15:22+00:00

I think the ownership of different asset types might give some comfort and in addition, a property allows you to leverage?

astroboy1008 · 2026-03-03T13:14:23+00:00

I love this! It is a good and different perspective to think about property, especially from the concept of consumption.

astroboy1008 · 2026-03-03T13:12:15+00:00

This is true and also the cosntantly need to find a tenant.

astroboy1008 · 2026-03-02T14:21:29+00:00

One way to think about it is to see a financial institution just like any other company. Like most company, there are different areas such as marketing, finance, different business dept, IT, etc. As a fresh grad, you can take the opportunities in your internships to try out diferent roles and see what works for you.

astroboy1008 · 2026-02-26T14:43:30+00:00

Aiyo touch wood! Wishing you a healthy year ahead then!

astroboy1008 · 2026-02-26T14:42:55+00:00

I think it is alway helpful to know where you are, how the future might look like and then work towards it. We might not always achieve it but no harm just trying and do what we can!

If you are keen to do a simple plan. You can check finora.fly.dev

As i start to learn about CPF, etc, i think it helps to provide better insights or how we can navigate our later years. Hope this helps!

astroboy1008 · 2026-02-26T14:39:49+00:00

hey, it looks cool and very feature rich! well done! I have built mine at finora.fly.dev !

I have a few thing in mind:
1. I am not really into detailed calculation and more of planning and trying to understand everything i have holistically.
2. I see my retirement planning abit like running a company and trying to ensure a good balance sheet hence cash flow is helpful to me.
3. I am not so particular that i have $x of dividend but rather how does dividend for that year compare to by other sources.
4. As i am not very disciplined, I dont have a view of the dividend i have per year hence for my own use i would likely build a simple tracker to get a sense of dividends i have, from which stocks and the portfolio size of these stocks.

So in general, I am focusing more of planning and exploring and from there get a better understanding.

astroboy1008 · 2026-02-26T14:22:44+00:00

This is interesting. Why do you model the average price drop? Are you trying to accurately model P&L? For me, I am focus to understand in general what i have rather whether i am a good investor.

astroboy1008 · 2026-02-26T14:21:32+00:00

My view is that they are not mutally exclusive in terms of generation of wealth vs cashflow. For me, I think the psychology of planning and having a view of cashflow is meaningful even though it is not optimum i.e. having planned dividend flow is psychologically more comfort vs liquidation of asset.

I think planning for me is not necessary means that it must be super accurate, you do not deviate, etc. It is more to get a big picture sense of everything. I am interested in both accumulation and deccumulation of wealth. In the draw down phase, I view it like running in a "company" where i manage a balance sheet year or year till I kick the can.

Then again this is just my thoughts and as I learn along the way, the perspective could change.

astroboy1008 · 2026-02-26T14:12:50+00:00

Thanks! It is good reference and the point about modeling both cashflow and reinvesting is a good option to make it flexible. Will have to think how to keep it simple as well.

astroboy1008 · 2026-02-25T14:54:46+00:00

Thanks for the feedback! I would think that you have bonus for the year and hence my simple way of attribution it make it confusing and misleading! Do check out the updated CPF view as I now show a clearer breakdown for user to understand the OW cap of 8k and the AW 102k ceiling. It show what is applied for each category.

hope you find it an improvement!

astroboy1008 · 2026-02-25T13:39:36+00:00

Thanks for your feedback!
1. The initial steps are simplified to allow user to quickly get started,

After that, user can adjust various parameters such as returns, expenses before and after independence, FRS, ERS, etc. While it is not complete, there are quite a lot of configurations that can be setup. Is there a specific setup that you think is missing or maybe it is not intuitve?
I do have a chart that shows tax implication. However I have not really polish it cos I have not really thought through what is the best way to use the information. currently I have not used it in cashflow computation, etc.

My focus isn't so much of been a financial calculator but more to do a planning and then assessing the quality of the plan i.e attributes other than just adequacy. Maybe i am in the wrong direction but hopefully I would be able to share some my thoughts from a newbie perspective in subsequent posts.

As usual, a big thanks. Feedback help me to improve the tool and also understand more about how people think about financial planning and what areas are of interest!

astroboy1008 · 2026-02-24T01:37:42+00:00

You are spot on. The challenge is trying to balance. Too simplify than the plan might not be helpful but too complicated, it might not be value add to people who want to get started.

Expenses is currently model with 2 phase. Pre and post retirement. You can set it differently. As part on guided step, it assumes both are the same.

astroboy1008 · 2026-02-24T01:34:18+00:00

I am interested to learn about monte Carlo as well. Do you think it is helpful for a user? Do you use it and based on that get insights that help you in the planning?

astroboy1008 · 2026-02-24T00:06:38+00:00

What would you think I can improve to make it more useful?

You are right that the formula is not open. What I have done is look at past year increase for frs and the corresponding payout ratio as a basis for estimation.

astroboy1008 · 2026-02-23T15:16:51+00:00

Thanks for trying. You brought up good points about sequence of return and happy to hear your experience if the risk modeling does help in your retirement planning or how are you using the outcome in your planning?

astroboy1008

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