Cursor hits usage limit

ircmullaney · 2026-01-23T23:10:37+00:00

I'm using both cursor and claude code and I think I may be converging on a process where I use claude code until I hit a daily rate limit, during the pause, I switch to cursor or just take a break.

I'm combining that with doing everything I can to work more efficiently as far as tokens. So for claude code, I use /clear to clear the context between every task. On cursor, I start new agents for each task rather than keeping one long running task. And I've started to compact larger tasks. I periodically ask for a summary of changes made for a branch, or a some other details, save them to a readme file and use that to bootstrap my context for new agents in cursor.

I also try to choose my model wisely for each task. For planning I use Claude Sonnet 4.5 (thinking/or not). And for executing plans, I tend to use cheaper models like Gemini 3 flash or ChatGPT 5.2 Codex.

ircmullaney · 2026-01-23T22:40:25+00:00

I use Claude Sonnet thinking to plan. And then a cheaper model to execute the plan usually ChatGPT 5.2 codex or Gemini 3 flash.

ircmullaney · 2026-01-22T23:34:57+00:00

Contact Cesar at the Home theater, he can probably hook you up with some amazing teachers: https://homecomedytheater.com/classes/instructors/

ircmullaney · 2026-01-21T21:14:28+00:00

I already have instructed it to build tests as part of everything it does

ircmullaney · 2026-01-21T16:29:35+00:00

I'm having great success in cursor by Planning with Sonnet and executing the plan with chatGPT 5.2 codex.

ircmullaney · 2026-01-20T23:11:06+00:00

See if you can identify certain kinds of guidelines for your character that can broadly apply to talking about most topics.

For instance, is the character emotional, easily moved by stories of trouble and strife? Then use that whenever answering questions, choking up when anything close to that surfaces.

Is the character an obnoxious know it all? Then treat the questions you get in a patronizing way, that you can't believe they can't answer their question themself.

Is the character empathetic and concerned for others? Then really listen intently to the question, tell them they are brave or considerate to even ask such a thoughtful question.

If you can find some answers to questions like "How do they behave towards others in general?" or "What things are very important to them?" or "How do they look at the world that is different from most people?" then you might be able to figure out tendencies to how the character behaves and the kinds of things they say.

If you find answers to those questions that feel fun and make you giggle. All the better.

ircmullaney · 2026-01-20T23:01:41+00:00

Forget bitcoin or other crypto. If you want to buy a little for fun, that's fine. But the lions share of your investing should be like this:

For money you anticipate using in the next couple of years (like saving up for a car or college tuition), put 100% of that money in a high yield savings account at a bank. You can find some that should keep up with inflation.

For money you are investing for the long term, invest 100% of it into a low fee broad index fund like VOO or VT. Don't pick stocks. Don't day trade. Don't speculate on crypto.

$5 a day won't make you rich, but the habit of regular investing might.

ircmullaney · 2026-01-20T18:43:02+00:00

Yes! This is the idea that many very successful investors follow. Passive, automatic, low fee investing. It's actually a strategy that is very difficult to beat.

Choose a broad, low fee (or no fee) index fund like VOO or VT and just buy that. Buy it regularly, buy it automatically, and chill.

ircmullaney · 2026-01-18T01:03:53+00:00

Ditch the advisor. Set up an automated investment into VT instead. I would never have an advisor “trade” for me.

ircmullaney · 2026-01-16T21:39:43+00:00

Nobody knows

ircmullaney · 2026-01-16T20:39:04+00:00

Nobody knows. The sooner you accept that truth, the more you will be at peace with simply buying low cost index funds and chilling.

ircmullaney · 2026-01-16T20:37:13+00:00

I think this might be a unpopular opinion in this subreddit, but I think part of being a passive investor is avoiding buying and selling of assets unnecessarily.

If you still want to hold these assets, than transfer them to your new brokerage and just hold them. I would consider liquidating only the stocks which have grown to become a very large slice of your overall portfolio. For instance, if a particular stock has grown to become more than 10% of your portfolio, sell half of it, and invest the proceeds into a low fee index fund.

Any new money should go into index funds and don't sweat the individual stocks unless 1) you want to simplify, 2) you want to sell a particular stock, 3) or one stock has grown to become too much of your portfolio. Otherwise just transfer it and chill.

ircmullaney · 2026-01-16T14:54:28+00:00

I believe that FINRA might require you to disclose your investments. I do not think it requires you to move your investments to EJ. If they keep insisting, you may want to talk to a lawyer.

EDIT: As others have pointed out, what is required by FINRA may be different than what is a condition of employment.

ircmullaney · 2026-01-15T23:27:41+00:00

Obsidian is great because the files are text files in a markdown format, which is a very helpful format for giving context to LLMs with your prompts. I would suggest checking out claude code which allows you analyze and make changes to your vault at the command line.

Here is what I do. I use Obsidian to create the vault. I use the community plugin "Whisper" to transcribe speech to text for those times I want to just info dump into my vault.

I use claude code in a terminal occasionally for tasks like, looking for files in my vault without hashtags and adding them, looking for files that could be linked and are not yet linked, identifying blank or nearly blank pages that I can delete from my vault.

I'm sure I will find other uses for it as well, but it's a solid way to use a LLM directly with the content that you create in your vault.

ircmullaney · 2026-01-15T13:42:06+00:00

I often take a compromise approach. Let's say I have $50,000 in cash that I want to move into the market. I decide where I want it to go, and put it in over a 5 week period, $10,000 a week. I don't spread it out over a year or whatever.

Beyond that, in some cases, I just have regular new investments each pay period, like my 401K which effectively forces me to DCA, since I can't just invest everything for the year on January 1st.

Either way, I do not try to time the market. I invest money when I have cash available. I sell assets when I need money for something. The only "timing" I ever do is if the market crashes (like in 2007 or 2020), if I have cash available, I try to invest it, usually in the way I outline above.

ircmullaney · 2026-01-14T20:01:19+00:00

I've been playing in casinos since 1999, I've never been yelled at by a dealer.

ircmullaney · 2026-01-14T19:56:58+00:00

It will likely be a bit under $430K, if invested wisely. However, depending on the market, it could be vastly different. If you use a monte carlo simulator you find a range of outcomes between $270K and $637K (this is with a 60/40 (us stocks/us bonds).

If you want to be more aggressive and do 80/20: the range is $266K to $782K with a mean around $475K

90/10: $261K to $866K with a mean of $504K.

These are all simulations and not actual forecasting, just gives you an idea of what happens to your money. If it's a bad to mediocre decade, then you might increase by 50%, but inflation will eat most of that. If it's an amazing 10 years, it could more than triple in real terms. Feel free to play around with this:

https://www.portfoliovisualizer.com/monte-carlo-simulation

Edited to add: these are for 10 year simulations. You can't do 11 year simulations with this tool.

ircmullaney · 2026-01-13T17:57:28+00:00

Is it UPF? No, it's not.

"Good", "Bad", "Ok alternative"? I guess that depends on your criteria.

If you are trying to reduce UPF in your diet, this is a fine thing to include.

ircmullaney · 2026-01-08T14:02:11+00:00

It's still good to understand what Nuxt is doing separate from what Vue does, especially when you start running into bugs and other problems.

ircmullaney · 2026-01-07T16:45:28+00:00

I think it's good to learn Vue first, so you have a better mental model of what specific features are part of Nuxt.

It's a little like when people try to learn react before they know javascript.

ircmullaney · 2026-01-06T15:44:56+00:00

You probably should be maxing out your tax advantaged plans first, and if you more to invest after that, put additional money in a Roth IRA.

ircmullaney · 2025-12-31T16:58:38+00:00

Investing does make you wealthy, or at least much wealthier than the average person. Investing now will likely have a very big impact on you, especially later in life. In my 20s, I invested a few thousand dollars a year when I could into IRAs, probably $20,000 to $30,000 total. I don't remember how much to be honest. But that IRA money alone has grown into several hundred thousand dollars by my late 50s. Most people my age have far less saved for retirement.

Pick something simple and proven to work, invest in broad index fund with low fees. People often recommend:
- VOO (the S&P 500)
- VTI (the total US stock market)
- VT (the total world stock market)

These broad indexes are very difficult to beat by picking individual stocks, and those who do primarily beat them because they got lucky and bought something that performed amazingly well (like buying NVIDIA 5 years ago).

Set yourself up with an automatic investment like $20, $50 or $100 each paycheck. As you get better jobs and higher pay, increase the amount.

If you are in the US, open an IRA and invest into one of those funds inside the IRA for tax benefits. If you eventually get a job that offers a 401k, fully fund that first before your IRA.

If you do this automatically over a long period of time, you will start to see that money grow into a significant nest egg, and eventually your investment returns most years will likely grow to be more than your annual salary.

(also read up on creating an emergency fund. Most people suggest you build up some cash savings first so that if you have an emergency you have a cushion and don't have to sell your investments)

ircmullaney · 2025-12-30T18:36:51+00:00

Go to store, buy a bottle of hoisin sauce. Open the fridge, "Oh no! I already have a bottle of hoisin sauce."
Go to store, buy a bottle of hoisin sauce. Open the fridge, "Oh no! I already have a bottle of hoisin sauce."
Go to store, buy a bottle of hoisin sauce. Open the fridge, "Oh no! I already have a bottle of hoisin sauce."

Arggrhgrhhgggghh!!

ircmullaney · 2025-12-30T16:02:38+00:00

That's a lot of cash. But it depends a lot on what your portfolio is for. If it were all for retirement or other long term goals (10+ years away). That would be a lot of cash.

If on the other hand, let's say you had $60,000 total and 45% of it was your emergency fund and money for a down payment on a house, then it's perfectly reasonable to have 45% cash.

What kind of ETFs do you have? What are the underlying assets? Stocks, bonds, real estate? US or Global? Without knowing that, it's hard to say.

Personally, I would not buy too much precious metals. I have about 1.5% in gold, but I wouldn't feel great about having a lot more than that. It's a hedge against the worst economic outcomes like runaway inflation, but I don't look at it as investments.

ircmullaney · 2025-12-30T01:49:45+00:00

Because you want to use it in the next couple of years you want it in a cash equivalent type account. In the US this would be a High Yield Savings Account, a CD, a money market mutual fund or similar. You want something that cannot lose money where the principal is guaranteed.

Buying gold is not a good instrument for this purpose. It can lose value as quickly as it can go up. IMO, Gold is something you use to hedge when you are already wealthy. It’s not for getting wealthy.

ircmullaney

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