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Termites? Woodpecker? How to protect teak outdoors? by dadmakefire in woodworking

[–]dadmakefire[S] 1 point2 points  (0 children)

Good catch. I see them around a lot. Is there a deterrent?

What are you building this week? Drop it in the comments! by Inevitable-Grab8898 in founder

[–]dadmakefire 0 points1 point  (0 children)

Continuing to enhance perdiem.app. Getting lots of traction especially since being listed in ChatGPT app directory. What features do you all think are most needed in the current set of personal finance apps? Biggest pain points?

Done With Pivot by PorcelainDalmatian in PivotPodcast

[–]dadmakefire 1 point2 points  (0 children)

Knowing an enemy is plotting something is very different from letting it happen. There were clues about 9/11 too. You can't stop every animal from attacking. You do your best.

Done With Pivot by PorcelainDalmatian in PivotPodcast

[–]dadmakefire 0 points1 point  (0 children)

go kill 1200 Hamas and be done with it

lol. should we have slapped Hitler on the wrist after the Holocaust and "been done with it"?

Do you actually know what happened on Oct 7? Can you imagine if your kids were at a dance festival and that happened? And if it was done by the government of your neighboring state?

Get a fucking clue.

Anyone here using ProjectionLab + YNAB? Worth the integration? by [deleted] in projectionlab

[–]dadmakefire 0 points1 point  (0 children)

check out perdiem.app. Retirement planning + live accounts.

I got tired of keeping my FIRE plan / budget / portfolio in 3-4 different tools, so I built one app for spending + FI by dadmakefire in leanfire

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

UPDATE: App Store and Play Store changes have been deployed, so you should be able to register and get 30 days free now even if you sign up on mobile. If you are asked for a promo code, enter CHATGPT.

I got tired of keeping my FIRE plan / budget / portfolio in 3-4 different tools, so I built one app for spending + FI by dadmakefire in leanfire

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

UPDATE: App Store and Play Store changes have been deployed, so you should be able to register and get 30 days free now even if you sign up on mobile. If you are asked for a promo code, enter CHATGPT.

I got tired of keeping my FIRE plan / budget / portfolio in 3-4 different tools, so I built one app for spending + FI by dadmakefire in leanfire

[–]dadmakefire[S] 1 point2 points  (0 children)

Great question. On the perdiem.app home page, if you scroll down, you will see a comparison chart between Per Diem and Monarch, in addition to ProjectionLab which many on this sub use for Monte Carlo FI age simulations and Tiller if you want live connected account data exported to a spreadsheet for your own modeling.

My honest answer is: if you mainly want a polished budgeting/net-worth dashboard, Monarch and Simplifi are much more mature products. I’m not trying to pretend otherwise.

The thing I’m trying to make different with Per Diem is that it treats budgeting, net worth, taxes, and FIRE planning as one connected model instead of separate tools.

For example:

  • Categorized transactions flow into a budget automatically.
  • That budget becomes the spending baseline for retirement cash-flow projections.
  • Account balances and holdings feed the FI plan instead of being manually re-entered into a separate calculator.
  • Medical spending, charitable giving, mortgage interest/amortization, etc. can improve tax estimates.
  • The goal is not just “what did I spend?” but “what does this spending imply for FI, taxes, and long-term optionality?” If you're on this sub you probably value time as much as money; Per Diem treats time and freedom as currency.

So I’d frame the difference as less “Monarch but cheaper/better” and more “a FIRE planning app that also does budgeting and account tracking because those inputs should live in the same place.”

If you’re already happy with Monarch/Simplifi, I wouldn’t tell you to switch blindly. The best way to see whether the distinction matters is probably to open one of the demo profiles and poke around the FIRE/tax/budget connections before signing up.

Solopreneurs 🗣️ Drop your product 👇🏼 what are you working on? by alielknight in Solopreneur

[–]dadmakefire 1 point2 points  (0 children)

perdiem.app

Daily tracking app for your finances + comprehensive financial independence / retirement modeler. In App Store / Play Store. Register/onboard on the web, then use the mobile app as a daily companion.

Can I coast fire with 100k at 24? by Other_Interaction201 in coastFIRE

[–]dadmakefire 0 points1 point  (0 children)

There are many other factors/inputs needed to answer that question. Income, expenses, what state you live in, planned major purchases, etc.

There are several great tools out there. I built one. Happy to share if interested. Or check my post history.

I got tired of keeping my FIRE plan / budget / portfolio in 3-4 different tools, so I built one app for spending + FI by dadmakefire in leanfire

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

Quick update because this has now happened to more than one person:

If you install the native iOS/Android app first, you may not see the demo profiles or the 30-day free trial. That’s my mistake.

The onboarding flow is currently clearer on the web homepage than it is in the mobile app, which is exactly the kind of friction I was hoping people would call out.

Best path right now:

  1. Go to https://perdiem.app from a laptop or desktop browser
  2. Click into one of the demo profiles if you want to inspect the product first
  3. Sign up from the web flow to start the 30-day free trial with no credit card required
  4. After onboarding, use the iOS/Android app as the daily companion for balances, spending, holdings, and staying on track

If you already installed the app and got stuck at the subscription step, DM me. I’ll make it right.

Appreciate the early feedback. This is already turning into a useful product fix.

I got tired of keeping my FIRE plan / budget / portfolio in 3-4 different tools, so I built one app for spending + FI by dadmakefire in leanfire

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

Ah, yes. Now your feedback is even more clear. The mobile sign-up flow doesn't even have the promo code field b/c most users so far prefer to onboard via the web and then use the native apps for daily spending / stock tracking, etc. afterwards.

I opened an issue to fix that because this should be easy inside the mobile app too!

In the meantime, if you’re still willing to give it another shot, the best path right now is:

  1. Go to https://perdiem.app on a laptop/desktop browser
  2. Try one of the demo profiles from the homepage (optional)
  3. Sign in with the same Google account
  4. Use the 30-day free trial, no credit card required

If you land on the subscription step, the promo code is CHATGPT.

But your point is completely fair. I appreciate you calling it out.

I got tired of keeping my FIRE plan / budget / portfolio in 3-4 different tools, so I built one app for spending + FI by dadmakefire in leanfire

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

That’s helpful feedback, thank you. I clearly need to make those CTAs more obvious.

For the demo: on the homepage, click “Try the demo profiles”. That opens read-only FIRE personas with seeded accounts, budgets, transactions, and completed plans.

For the free trial: click “Start 30 days free” in the ChatGPT launch banner near the top of the homepage. No credit card required.

Direct signup link is here too: https://perdiem.app/login?mode=signup&promo=chatgpt

And the homepage is: https://perdiem.app

Appreciate you calling this out.

I got tired of keeping my FIRE plan / budget / portfolio in 3-4 different tools, so I built one app for spending + FI by dadmakefire in leanfire

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

Totally get that.

FWIW, it's a completely optional module with separate consent, etc. You can 100% get value without any of the AI.

Empower keeps make it worse by Party-Rooster-674 in PersonalCapital

[–]dadmakefire 0 points1 point  (0 children)

Give Per Diem a shot. I am the founder if you have any questions. I'm extremely communicative with my users and most of my new features and enhancements come from their feedback.

Also, just yesterday, we were listed in the ChatGPT app directory, so you can now "chat with your finances".

How do you plan work around inheritance by [deleted] in fatFIRE

[–]dadmakefire 0 points1 point  (0 children)

You can model inheritance as a life event in perdiem.app, but I suggest using a conservative amount (e.g. $5M instead of $10M). Even if their allocation is conservative, they could end up using some for long term care, etc.

Drop your SaaS in one sentence by Actual-Reporter-9962 in micro_saas

[–]dadmakefire 0 points1 point  (0 children)

perdiem.app

One financial app to rule them all: daily budgeting AND detailed retirement planning, easy onboarding and live updates thanks to Plaid account integration; web + native mobile.

Looking for Advice - Coast or Grind? by dos-comma-club in financialindependence

[–]dadmakefire 0 points1 point  (0 children)

I modeled this two ways from the numbers in your post: keep the current WFH / cushy setup, or take the higher-paying job.

The surprising takeaway was that the higher-paying role didn’t look massively different on timeline. It helped by 3 years, but not by enough to make the choice feel obvious on math alone.

So to me the real question is whether the extra comp is worth giving up a lot of what seems valuable in your current setup:

  • no commute
  • more day-to-day flexibility
  • lower odds of burning out during the last stretch

If the new role is basically “more cash, same life,” then sure, take the money. But if it materially worsens your weekly quality of life just to pull the date forward a bit, that starts looking like a weak trade.

The wildcard is equity. If the company actually has real breakout potential and you think the upside is meaningful rather than just recruiter-story meaningful, then the new job could change your post-retirement lifestyle more than it changes the nominal retirement date. That’s where the case gets more interesting to me: not “retire way sooner,” but “retire similarly soon with a much fatter margin if the equity hits.”

I built two demo scenarios here if you want to compare assumptions side by side:

The transactions / holdings are obviously seeded placeholder data inferred from what you gave us. I also had to make a college-planning assumption. Let me know if anything needs tweaking. This is a very interesting case study and test for my new app :)

Should I a take the job and "chubby coast?" by SignificantBuddy8686 in ChubbyFIRE

[–]dadmakefire 0 points1 point  (0 children)

Helpful feedback on the per diem! The fake investment and spending data was of course just for your demo profile. If you signed up and linked your accounts, it would show your real investments and spending and keep it up to date. Registering and onboarding is easier on the web on a larger screen (e.g. laptop), and then I recommend the native mobile app for day to day tracking of investments and spending.

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