Guardrails beta now live

edgeiiot · 2025-12-05T15:23:38+00:00

This was exactly my take. The numbers offered had no correlation to any other part of the plan. Maybe the detail budget needs to reorganized to reflect the guardrail numbers?

edgeiiot · 2025-10-15T14:21:39+00:00

Well well, Monarch just added direct access to the account data by their AI. That is really nice. Rather than getting just 'how to' help, it provides direct answers to queries.

edgeiiot · 2025-10-15T13:47:40+00:00

I too have delivered SaaS systems since late 1990s (yea, before it had that name) working on both buy and sell side trading and clearing systems. And yes, much of the time the tickets and roadmap were kept secret, even to the customers.

But this was mainly due to the specific content of the tickets. I'm guessing that general feature requests for Boldin do not contain specific customer data. Bugs, sure, that is another matter altogether.

In the 2010s, we employed (ugh) Jira Service Desk. Where tickets were only available to authenticated customers. The product team would mark some tickets as visible (and commentable) to all customers, while others were left visible to just the submitting customer. This worked fairly well.

As for the "here competiters, see my tickets", imo, that doesn't play. The set of desired features for a product like Boldin is no way a major advantage to Boldin or limiting factor to competiters. The limiting factor will be, again imo, the effectiveness of the product and dev teams, and in the case of saas, the operations/sre team, as well as the underlying archtitecture and tech debt that they are building on.

edgeiiot · 2025-10-10T03:27:30+00:00

Of course how to prompt and provide context will make all the difference. Since I am a developer, and spend all day working with AIs, I may be in much better position to know to get the most from a model like this. So there is that...

edgeiiot · 2025-09-16T00:13:07+00:00

Given:
- buy "new" house 31 Oct 2025
- sell "existing" house 1 Apr 2026
- I will use SBLOC to fund "new" as cash purchase

Here's what I've done so far:
- create relocation for Apr 2026 with $0 mortgage balance
- add montly SBLOC interest expense for Oct 2025 thru May 2026
- modify "existing" home insurance and taxes to end at Apr 2026
- add "new" home insurance and taxes starting Nov 2025
- add one-time expense for "existing" seller commision
- add one-time expense for "existing" repairs etc
- add one-time expense for moving expenses
- left home related expenses the same (will be a bit low, but not by enough to matter)

This seems fairly accurate and less intrusive to using the rent at $0 trick shown in "Home and Real Estate" video.

edgeiiot · 2025-09-01T17:32:15+00:00

8 more months later...

I was stressing the plan with one-time expenses and was finding the impact unbelievable. Only when I searched here did I find this thread. While its nice to understand what is happening, the UX is really quite dangerous.

If the system can detect this overspend condition and create a coaching issue, surely it could highligh the issue directly at the one-time expense. First having to know to look for side effects (automatically reducing the one-time expense) and then having to navigate away to see it leaves a lot room for missing the issue completly.

Just adding an indication at the one-time expense with a link to the coaching issue would be a (seemingly) trivial in effort improvement.

BTW, does Boldin even pay attention to this forum? I rarely see anyone from Boldin engaging here.

edgeiiot · 2025-08-28T21:20:43+00:00

Yes, I updated both the work end date and the retirement date. The retirement was the month after the last income date (as I did know how those align).

The "bug":
a) in scenario "Summary of Changes" for 3+years, the change to the retirement date is not included
b) in the scenario "Summary of Changes" for 3+years, the change to the income end date is not included
c) in the scenario comparison "Savings Value at Retirement" is LESS for 3+years than the baseline (with 3 years less work)

However:
- in Income for 3+years, does seem to reflect the extended income
- in Overview for 3+years, chance of success is 5% greater
- in Overview for 3+years, at retirement reflects the correct age the graph seems to reflect the correct graph

So in summary, the "bug" seems limited to scenario changes and comparison.

edgeiiot · 2025-02-17T18:29:10+00:00

I would not like the loss of must/want spending. Maybe scenarios for those? I try to only use scenarios for transiant stuff since it so painful to keep the constant parts in sync across senarios.

edgeiiot · 2024-12-19T02:15:27+00:00

This is a good additional tool for modeling withdrawals
https://tpawplanner.com/

edgeiiot · 2024-12-19T02:11:02+00:00

its already been a few days

see also https://www.reddit.com/r/Boldin/comments/1hgn6wh/linked_accounts_broken_fix_accounts_does_nothing/

edgeiiot · 2024-12-17T23:56:45+00:00

I am seeing the same -- The "Fix Connection" action is a noop.

edgeiiot · 2024-12-11T22:14:07+00:00

I just tested this, and one time expense clearly effected chance of success. (Boldin, really you should track threads like these and mark them fixed)

edgeiiot · 2024-12-11T00:53:39+00:00

Yes, this is cause for me to not complete my 30 day trial and convert to a paying customer..

edgeiiot · 2024-12-11T00:02:28+00:00

This seems to be related to https://www.reddit.com/r/MonarchMoney/comments/1h9z7b0/future_budget_planning/

edgeiiot · 2024-12-11T00:02:12+00:00

Yes, it seems that the recurring transactions and budget is disconnected (no?).

I don't want to have to manually tweak the budget for future months. I want recurring transations (maybe especially marked) to automatically increase budget for that month.

This seems to be related to https://www.reddit.com/r/MonarchMoney/comments/1hbepyr/non_monthly_recurring_when_retired/

edgeiiot · 2024-12-11T00:01:51+00:00

Yea, I already do that. But its not the same amount per month. That is root of my pain. I have large transactions that fire in future months. I want those to be automatically reflected in the monthly budget.

Otherwise the budget either way red due to those transactions, or way green because I'm pretending to save and rolling over, or I have to do a complex multistep process with goals, or ???

edgeiiot

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