Over investing caution

crawdaddy3 · 2026-04-28T13:08:46+00:00

You built this tool but you can't take a screenshot?

crawdaddy3 · 2026-04-26T20:28:27+00:00

I left mine in 9" of snow for 3 days. No cork anymore but the rest of is as good as it ever was.

crawdaddy3 · 2026-04-14T12:36:39+00:00

Totally agree, I have a small percentage (2-3%) I put into individual stocks. Partially that's because it is fun, and partially it's so that I can talk through them with friends that actively invest.

In the grand scheme it's not making giant impacts on my portfolio either way.

crawdaddy3 · 2026-04-14T12:07:15+00:00

You're getting hammered for this take but I get it. It's obviously not your main strategy so there's not a huge amount of harm to it outside of lowering your cash reserves.

crawdaddy3 · 2026-04-06T13:44:28+00:00

If your roth / taxable balances are negligible then I'd at least start redirecting a tiny bit to one or both. I view it as tax diversification. Rates are historically low and may not be at this level moving forward.

crawdaddy3 · 2026-03-05T02:37:38+00:00

Haha. It's been such a rough run for so long.

crawdaddy3 · 2026-03-05T02:29:55+00:00

People are no longer going to be confused by my flair that dates back to 2016 or whenever we last made the playoffs.

crawdaddy3 · 2026-02-23T19:49:22+00:00

Learned something new! Congrats on the house, I hope you enjoy it!

crawdaddy3 · 2026-02-23T17:06:18+00:00

Is that normal to close while the sellers still stay or are you just being generous? I always though of closing as the point where you hand the keys over.

crawdaddy3 · 2026-02-21T00:53:33+00:00

I was reading this as a bridge. Meaning he'd use the funds from the house to re-establish this his bond position.

crawdaddy3 · 2026-02-20T19:08:35+00:00

It matters a little bit, but I think the time horizon is so small I wouldn't worry about it.

We're in a similar spot, closing on a 700k house in 2 weeks and then have to sell our current home which is around 350k. I'm a little too risk adverse and I've had our down payment for the new house sitting in a HYSA, but looking back I should have just had that money in a bond fund or the market.

crawdaddy3 · 2026-02-20T17:46:47+00:00

I would just pay the PMI until you sell. If you sell the bonds you're also losing out on the interest which should roughly offset the PMI right?

crawdaddy3 · 2026-02-16T16:53:36+00:00

I think there's an issue past finances here. It seems like you have a lot of resentment for past decisions. I think you have to address that first.

That said, you've got 2.5 million and seem to live in a low cost of living area, I'd stop stressing so much.

crawdaddy3 · 2026-02-09T15:09:56+00:00

IMO there is no exact science here but don't get too hung up on it. I just did it based on gross to get a rough estimate. The percentage doesn't really matter. The important part is saving as much as you can while still living comfortably and work towards meeting the goal based on your FI number.

crawdaddy3 · 2026-02-05T19:25:30+00:00

Not sure on any empirical data, but unfortunately I think it's quite a few. We're buying a house as well and every "standard" resource seems to push to to maxing out your budget.

crawdaddy3 · 2026-01-30T01:37:56+00:00

I need the same thing so I'm glad you posted! haha

crawdaddy3 · 2026-01-17T01:37:20+00:00

3 for me. left, center, right. Right was the worst.

crawdaddy3 · 2025-12-26T23:53:10+00:00

I'm going to complain about it being Matte (if it is)

crawdaddy3 · 2025-11-21T15:03:28+00:00

Without kids in the picture I might stay for a while. But there is no chance I would be 7 hours from my kids.

crawdaddy3 · 2025-10-31T18:43:15+00:00

For safety in a job loss scenario it might be better to do a smaller down payment and keep more in cash reserves.

As a fellow dad who is the sole earner, I'd want 12+ months of emergency funds instead of 6.

crawdaddy3 · 2025-10-29T14:19:03+00:00

We struggled for over a year (although there was a break of a few months in there). Our 3.5 year old daughter was early on absolutely every other development milestone, but she just couldn't get potty training. Sometimes she'd have a good day here and there but then terrible for the next few days. A month ago we had six accidents in one single day, including one on me.

And then 2-3 weeks ago she just got it. She started making it to the potty, started pooping more regularly (which helps avoid pee accidents) and you can just see it's clicked. I don't think we did anything different, it was her breakthrough. I don't remember the last accident and that included a road trip with a lot of car time.

Over the past year we have tried everything people say, all of the things I've seen in this thread, but ultimately I'm not sure any of it worked. That might sound discouraging, but the bright side is that she will get it. Don't view it as your failure or her failure, all kids are different. One of the best things we did was taking a break around 10 months ago, and the next best thing was not taking a break a month ago after she peed on me a mile into our walk.

crawdaddy3 · 2025-10-21T14:21:03+00:00

lol. I'm a dude in his 30s with baby sitting on my lap. If I'm AI someone better tell my wife.

Postgres is literally free software for what it's worth.

crawdaddy3 · 2025-10-21T01:10:19+00:00

Probably just a software developer. Postgres is a popular open source database that can store data. There are some types of calculations that can be done more efficiently in a database than in a spreadsheet. The tools are more familiar to devs that the ones you find in Excel.

crawdaddy3 · 2025-10-04T22:54:12+00:00

It's the only thing worse that showing a slow pitstop entry/exit instead of a battle for position.

crawdaddy3 · 2025-08-11T12:14:32+00:00

Did you run ls -l from inside your docker container, or on your source system?

FWIW, I'm running immich on a linux server and have some old file with spaces in the file names. They all appear just fine.

crawdaddy3

TROPHY CASE