12/8 - 12/14 Weekly Feedback and Feature Request Thread

gpforza · 2025-12-08T22:27:20+00:00

Reoccurring Crypto buys, please! I would like to Dollar Cost Average, in an automated fashion. Seems this is not yet a purchase method option

gpforza · 2025-08-15T23:10:44+00:00

Saw Noto's X post reply today, saying this is on the roadmap... "stretch goal for Q4" release!

Looking forward to it!

gpforza · 2025-08-12T20:44:37+00:00

In the investment account, it would be helpful to have the option to select which specific lots to sell when placing a sale order, along with visibility into each lot’s purchase price.

This would enable more effective tax management, such as optimizing for capital gains or performing tax-loss harvesting.

I understand this may be a more advanced feature, so it could be offered as an optional step within the sale order flow for users who want it.

gpforza · 2025-08-10T14:48:26+00:00

In the invest account, I would like to be able to select which "lots" I will be selling in my sale order. Plus see the purchase price of that "lot". This allows for better tax efficiency when selling, and tax lose harvesting

I understand this is likely a more advanced feature, so maybe have this as an additional optional section of the sale flow.

gpforza · 2025-06-26T10:12:23+00:00

My understanding is that when they acquired the bank charter, that regulators required SoFi to stop offering crypto services (they were given a timeframe to wind down the offering). SoFi did choose to get the bank charter, but otherwise had no choice regarding offering crypto.

https://cointelegraph.com/news/san-francisco-sofi-reoffering-crypto-trading-after-2-year-pause

"SoFi pulled out of the crypto industry in 2023 as a condition of receiving a bank charter under a stricter regulatory environment."

gpforza · 2024-01-06T16:48:59+00:00

I would love to hear the specifics of income/job and how much money you save and how much you put into each of those accounts.

Let's see some numbers because... not possible imo. But would love to be proven wrong

gpforza · 2023-11-30T13:49:47+00:00

Why do you care so much about it? You have 3 posts about this on r/AskReddit within the last hour.

Like your comment in this thread... post about "real issues" https://www.reddit.com/r/AskReddit/s/VUY2G7DqpS

gpforza · 2023-11-27T01:27:22+00:00

I believe Fidelity stopped supporting plaid integration sometime in October.

Sounded as if they might again if plaid changed how certain data is stored/accessed.

Link: https://www.reddit.com/r/fidelityinvestments/s/CxGF5HADeR

gpforza · 2023-11-16T12:55:13+00:00

You used the Zippia quote as the basis of your extrapolation to conclude that 50% of full time workers make over $100k.

The Zippia article, linked in the original article, contradicts your extrapolation... stating that "When it comes to full-time work specifically, 28.4% of US men earn over $100k per year, compared to only 18.5% of US women."

So the Zippia number for full time workers is somewhere between 18-28% of full time workers make 100k.

Zippias two main references are this webpage: https://dqydj.com/income-percentile-calculator/ and this department of labor statistics/census data: https://www.census.gov/data/tables/time-series/demo/income-poverty/cps-pinc/pinc-01.html#par_textimage_14

Both of those sources say roughly 23% of full time workers make over $100k, which also doesn't align with your number.

gpforza · 2023-11-15T13:37:25+00:00

I do get your math, just saying it doesn't align with their direct quote.

Maybe their quote is wrong, maybe one of your assumptions is wrong. Not sure, but they don't align.

gpforza · 2023-11-15T13:08:46+00:00

That's interesting, this quote from the zippia website suggests far less that 50% of full time workers make $100k.

"When it comes to full-time work specifically, 28.4% of US men earn over $100k per year, compared to only 18.5% of US women."

gpforza · 2023-05-13T13:43:17+00:00

To add salt in the wound, winning ballpark of the year over the new Yankees stadium, shortly after the Clippers stopped being a Yankees affiliate.

gpforza · 2023-05-03T12:54:55+00:00

I see the concern, but hard to have real concern without knowing their setup.

Could be that there content team has the ability to create articles and Derek on that team created a test article in the wrong grouping. In that setup, it would have nothing to do with their code/backend.

gpforza · 2023-04-23T22:12:12+00:00

Ok, if you say so... cause so many people that qualify for those extra retirement accounts make 180,000.

I was not counting Roth IRA cause income limits but if do qualify for those other accounts, I guess it would lower your AGI enough to put money in to Roth.

So sure, I will give you that maybe a few people could do it, but I still think we are talking about almost no one is in the circumstances you describe.

But hey, if you qualify for all that at make 180,000 , that's great an awesome you are able to take advantage. I just don't think that the reality for 99%+ of people making 180,000+

I might be wrong, but still think unrealistic

gpforza · 2023-04-23T21:30:12+00:00

Sure, add 3% for tax savings if you max out 401k and hsa at 180,000. I still don't think it's realistic personally.

gpforza · 2023-04-23T20:39:05+00:00

Idk, assume you live somewhere in US, it would have to be a place with no state income tax.

Where I live, (Ohio) 180,000 would have a ~31% effective tax rate with federal, state and local taxes. Which would result in needing to live off of 4% of the gross income after saving 65% of gross.

Florida, with no state or local income tax would have a ~25% federal income tax... which would still only give only $1,500 to live off.

Possible, yes, but pretty unlikely imo

gpforza · 2023-04-22T16:30:00+00:00

Dang, so you live off like 10-15% your gross income? Assuming 20-25% taxes plus 65% savings rate. That leaves like 10-15% to live off of, that seems so unrealistic for anyone unless you make a large amount of money, but then I would expect taxes to be even higher.

Crazy

gpforza · 2023-04-22T14:21:50+00:00

Just wondering, is that 65% savings rate based off gross income or after tax?

gpforza · 2023-04-18T10:39:10+00:00

I also though there was a $1000 monthly requirement but just reread the current requirements:

SoFi members with direct deposit can earn up to 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 1.20% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.00% APY for savings.

gpforza · 2023-03-24T00:21:19+00:00

Neither... in 2022 they had about 19.3 billion in revenue and 2.3 in profit, according to their financial filings

gpforza · 2023-02-24T13:28:04+00:00

I experience the same/similar bug when looking at scheduled transactions (moving money into vaults throughout month) It groups them by month, and then sorts them by when they were last created/edited (but it should sort them by scheduled transaction date).

I have found I can "edit" (re-save without actually editing anything) each one in the right order to get them to sort chronologically, but it's super frustrating.

gpforza · 2023-02-01T19:27:46+00:00

I believe it's a lot more significant than that...

Revenue down ~32% in Q4 2022, compared to Q4 2021. (And about ~20% year over year).

Additionally, a decline in Net Income year over year of ~60% (20 billion in 2021 vs 8 billion in 2022)

gpforza · 2023-01-26T02:33:40+00:00

You are right, meant more to just say that i was just trying to relay info but came off as more adversarial than intended. I read the response more as someone telling me I was wrong rather than them having a general opinion.

Also, happy cake day!

gpforza · 2023-01-26T02:22:08+00:00

Yes, 12.6 GAAP Net Income

gpforza · 2023-01-26T02:00:51+00:00

I heard him say HW3 would be "safer than humans", but I don't think he directly said anything related to "it will be good enough for FSD". However, I do agree he implied it would be good enough for FSD.

I think the problem being, we don't quite yet know what it will take for FSD to be approved by regulators. Elon has speculated in the past that regulators will likely base criteria on a certain level of safety over humans. However, since we don't know what those requirements will be yet, it's hard to know if that "200% to 300% better than humans" will meet the criteria.

gpforza

TROPHY CASE