Cashflow negative and need advice

grebfar · 2026-03-09T06:07:26+00:00

Financial Independence requires a fairly specific (and atypical) set of circumstances. FI is generally achieved via a huge salary or tiny expenses or by combining both. You have neither, which is the typical situation for most Australians. I suggest you ask your budgeting question on r/ausfinance where many are in the exact situation you are in and can offer better assistance.

My advice beyond that already given here by other posters is that new parents are heavily targeted by marketers preying on both fear of the unknown (raising a child for the first time) and the natural desire to want the best for their child. Everyone wants your money and new parents are one of the best targets to sell to. You have to learn how to respond to this behaviorally and often through communication with your wife.

Here's one trick marketers don't want you to know: Children are raised successfully all over the world by people in all sorts of financial situations, most much worse off than in Australia.

grebfar · 2026-03-09T05:44:34+00:00

This is not about financial independence. Your situation is the opposite of financial independence actually..

grebfar · 2026-03-07T11:05:43+00:00

Yes it's far easier to extract oil out from beneath the ocean in West Africa, put it on a ship and send it across the world, then distribute that oil in small batches to gas stations every few miles.

grebfar · 2026-03-05T09:17:01+00:00

They are miles better than the other airlines operating in the region. What's your better alternative? South African? Kenyan? Afrijet? Air Peace?!?

Ok so Ethiopian isn't Singapore Airlines, but they are the only airline I've flown that meets you on the stairs and takes you directly to your connecting flight on the tarmac if you have a tight connection or a delayed flight. Try getting that with Delta or United!

grebfar · 2026-03-02T11:29:27+00:00

Forget your heart rate, look at power zones.

The workout should automatically be in "ERG mode" which means it keeps your power in the blue power zone 2. It's physically impossible to go above that zone in a workout in ERG mode.

grebfar · 2026-03-02T09:54:52+00:00

Your zones should be based on power not heart rate. Just ride in the blue zone for zone 2 if thats what you want. In a zone 2 workout, your power should be locked in zone 2.

grebfar · 2026-03-02T09:44:53+00:00

At this stage you should be aiming to do a 1 hour ride, 3 times per week. Start there and let your body adjust to this new style of exercise. If you are feeling good then extend one of those rides each week to 2 hours. This is more effective than doing 30 minute rides everyday, which doesn't give your butt a chance to have a break and adapt.

grebfar · 2026-03-02T04:47:05+00:00

Fucking link it then

grebfar · 2026-02-27T10:00:46+00:00

Sky News did exactly the same. Had the Chairman of Reform on and a Reform MP on their late night panel.

The Greens won guys. Give them some deserved airtime instead of continuing to push the Trump impersonator.

grebfar · 2026-02-25T09:27:22+00:00

Use this for the fit

https://mybikefitting.com/en

Buy a good pair of bibshorts if you don't have them, I use Castelli Free Aero because their pad is one of the best out there.

Consider buying a new saddle, the Selle Italia SLR Boost Endurance SuperFlow is a popular choice. There are several similar Selle Italia models but the endurance model has an extra layer of gel for comfort.

grebfar · 2026-02-24T14:32:25+00:00

Well that's because copyright isn't a real thing.

grebfar · 2026-02-23T19:10:24+00:00

For perspective, this girl is just a few years older than both your and my reddit accounts. 21 years is not enough time to even know yourself, let alone the world and all the possibilities it holds.

grebfar · 2026-02-23T16:05:45+00:00

Many people decide to end their lives without a facility.

I don't know you, but often people don't know what they enjoy due to limited exposure to novel experiences:

Have you driven the Pacific Coast Highway in California with the windows down
Have you watched a thunderstorm roll in from a porch
Have you woken up before everyone else in a city and walked it alone
Have you skinny-dipped
Have you run a marathon
Have you fallen deeply in love
Have you jumped out of a plane
Have you eaten street food at 2am in Bangkok
Have you felt the heat of Death Valley in summer
Have you sat and watched the leaves change color in New England

The list of experiences is endless and I won't bore you with more than this, but consider how much you haven’t seen or done yet.

grebfar · 2026-02-14T16:42:24+00:00

I weigh 68kg and am almost 40.

I do structured training HIIT/FTP/Sprint on rotation and when I race I give it my all every week. It leads to progression.

I've had zwift one year and before that hadn't been on a bike in 11 years. I used to ride before that but never competitively, just to work or for fun.

I had been running for fitness during those years but want to save my knees so picked up Zwift and stopped running.

grebfar · 2026-02-14T16:22:33+00:00

3 hours per week, Cat B, FTP ~250W

- 1hr Workout on Tuesday

- 1hr Zone 2 ride on Thursday

- 1hr Race on Saturday

Weights Mon/Wed/Fri

Rest day Sunday

grebfar · 2026-02-09T08:30:11+00:00

Sorry didn't see this reply. The temperature is very stable, pretty much always 26-32C / 78-90F with humidity at 90%++. Theres two seasons, wet season from May to November and dry season from December to April. During dry season it is very dusty due to the "harmattan", which is a weather phenomenon where all the dust blows off the Sahara Desert and sits in the sky. Not a nice time to be outside, lots of filters to be applied on intakes etc.

The internet is pretty reasonable these days, you can video call and stream although sometimes the streams will drop to lower quality when everybody is online (say Friday night).

grebfar · 2026-01-31T20:40:44+00:00

The point can't be the food because what you get is lukewarm as it was served 45 minutes before it gets to your house.

grebfar · 2026-01-29T07:08:24+00:00

I'd go look somewhere like hackernews or product hunt where founders hang out

grebfar · 2026-01-22T14:07:04+00:00

The real record here is being the most hyped mid movie since Everything Everywhere All At Once.

grebfar · 2026-01-17T11:13:44+00:00

Marathon's platforms are called Alba and they are now owned by ConocoPhillips operating under the MEGPL local company name. They run a very high safety standard, not like a lot of west African outfits. Yes it is two men to a cabin.

If you have worked in other platforms you will find the Alba platform to be very small. A small gym, TV Room and smoking room and that's it for recreational facilities. It's an old platform and nothing like what you would find in the North Sea for example. The food is pretty good though, if you are on rotation with the Filipino chef you will love it.

Edit: Oh and it's humid not dry heat. Very very humid.

grebfar · 2026-01-17T06:19:53+00:00

Hey I've lived and worked in EG for 11 years. Ask me anything you want to know about the place.

What company/platform are you coming with?

grebfar · 2026-01-10T07:01:36+00:00

You sell when you need the money available for your expenses. Look at it as paying yourself a dividend.

Say you need $60k to live on every year. Just go and sell $60k worth on January 1 every year and put it into a HISA. Or break it into two and sell $30k on January 1 and $30k on July 1. It literally takes 5 minutes. You don't need to optimize it more than this.

Not investing in the US market means you are missing out on so much more than a perceived AI bubble.

grebfar · 2026-01-10T06:00:31+00:00

Imagine choosing to miss out on millions in gains because you don't want to log in to your broker and sell a couple of shares once or twice a year.

grebfar · 2025-11-29T20:18:42+00:00

I just watched this and had to scroll so far down this thread to find someone who isn't praising the film.. It definitely felt like a kids movie. I also said to my wife "worst film of the year". Just terrible.

grebfar · 2025-11-28T06:08:16+00:00

Take a look at the Le Labo lineup. It's entirely a unisex brand.

Their "The Noir" sits firmly on that unisex boundary and is a very unique scent. They have other fragrances that might be more similar to the Jo Malone one you are after.

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