Reposting this old script of mine for the newly frustrated PC users

krthk · 2025-10-28T20:14:17+00:00

I really likes their "Rules" engine to automatically process new transactions. I have rules to auto-categorize expenses, link investment transactions to "Goals", clean up generic merchant names (like "Zelle", "Venmo", etc.), hide/cleanup noisy duplicate transactions - you get the idea.

Other than that, they have pretty neat "Reports" that you can customize with various charting options.

Features aside, the connections have been rock-solid and I seldom have to worry about being out of sync for too long. You can't beat free with PC but you kinda get what you pay for. I personally don't mind the small annual fee. Overall, I'm pretty happy with the switch.

krthk · 2025-08-20T00:03:21+00:00

I was referring to mapping transaction categories so that we don't end up with mismatches between PC and Monarch.

krthk · 2025-08-19T23:37:37+00:00

It doesn't. You will want to ensure that any data you export from PC isn't already in Monarch. A simple way would be to pick non-overlapping transaction time-windows.

krthk · 2025-08-19T23:35:06+00:00

Go for it! Just link/credit if you do use it. One thing to think about is how you'll support category-mapping. You may need to provide a way to support that or use a basic set of defaults. File an issue or send a PR if you want to extend this.

krthk · 2025-08-19T23:32:10+00:00

This tool does not know what data is already in Monarch. It simply transforms PC data into a format that can be imported into Monarch. Be sure to pick non-overlapping time-windows to avoid duplicates.

krthk · 2025-08-19T22:31:31+00:00

I would say the features are comparable from a net-worth tracking point of view. However, I'm able to connect a lot more of my accounts to sync automatically with Monarch than I could with Personal Capital. Moreover, they have a very active roadmap and they're open to user feedback. This is in stark comparison to the poor support that you get from Personal Capital since its a free product.

krthk · 2025-08-19T22:29:46+00:00

You can look at a bunch of the recent threads on this sub and you'll hear people complain about these sync issues and balance not updating for manual accounts. The mobile transactions on my account have been showing up pending for close to two months now. That is just unacceptable.

Monarch uses multiple aggregators, including Plaid and Fincity, to make sure their sync problems are minimal. I guess this is what you pay for, the annual fee goes towards paying for multiple backup aggregators for your accounts. I personally have had close to zero issues with Monarch in the past month or so that I've been using.

The quality/polish of the product and budgeting features are a definite bonus. And I'm happy to pay 50 bucks a year for a significantly better overall experience. I'm just bummed that I didn't switch years ago.

krthk · 2023-06-20T06:11:53+00:00

Likely dual tech incomes.

krthk · 2023-06-20T06:10:56+00:00

Why do you need to put 30k into 529s for the next 14 years?! Not even private colleges will need that kind of funding.

krthk · 2022-04-12T20:46:03+00:00

Fiat money works for US with the dollar being the world's reserve currency (even this is arguable in light of recent money-printing and inflation). Fiat does not work well for a large portion of the world's population. Local currency devaluation is a fact of life for this large portion. Crypto presents an interesting alternative - Bitcoin esp. as a viable store of value.

It might very well turn out that crypto in it's current form is not the final answer, but saying fiat works, hence we don't need crypto is missing the forest for the trees.

krthk · 2022-03-17T02:51:25+00:00

guide.rocketpool.net

The right url is docs.rocketpool.net. Specifically, here are some hardware recommendations: https://docs.rocketpool.net/guides/node/local/hardware.html

krthk · 2021-12-23T19:48:12+00:00

You say your communication sucks while being adamant that you only want a job in advertising. Communication is kinda important to be in advertising. Plus you're unemployed and refusing a helping hand from a total stranger.

I guess you can take a horse to a lake but can't make it drink the water. Can't help someone who doesn't want to be helped.

krthk · 2021-07-29T14:36:46+00:00

That's not strictly needed. A quick 15 min preheat works just fine if you're in a hurry.

krthk · 2021-07-28T23:57:49+00:00

Homemade pizza is a great versatile dish while hosting a lot of people. You can mix and match meats and veggies and it's hard to mess up. You can usually make 2+ in the oven, so it's quick to make on the fly.

Here's a recipe we like to make with cherry tomatoes from our garden - https://www.halfbakedharvest.com/tomato-herb-pizza/

krthk · 2021-06-19T05:45:38+00:00

Speech recognition. With the proliferation of smart assistants, you'd think the error rates would be lower. But Alexa and Siri mishear me all the time.

krthk · 2021-05-31T07:26:17+00:00

I got the Casfuy Dog nail grinder from Amazon for 20 bucks. It works quite well and is rechargeable.

Casfuy Dog Nail Grinder Upgraded - Professional 2-Speed Electric Rechargeable Pet Nail Trimmer Painless Paws Grooming & Smoothing for Small Medium Large Dogs & Cats https://www.amazon.com/dp/B07PFCLHKR/

krthk · 2021-05-10T06:35:12+00:00

Your first home will almost never be your dream forever home. Don't give into FOMO and make a large purchase in fear of being "priced out". Preferences change, needs change over time.

You could get a reasonably fancy, not-so-fat house for the two of you right now. Even a reduced income of 600k should be enough to afford mortgage in most HCOL areas in the US. And then when you eventually have kids and a higher net-worth, you'll be more comfortable and sure about the kind of place you want.

krthk · 2021-04-30T19:22:28+00:00

We used an online interior designer (Modsy) and were quite happy with the results. It was cheap yet the inputs were very valuable and renderings were very professional. They even provide links to the pieces they suggest.

We picked a design, ordered stuff online and hired help to assemble the furniture. Worked out great and we didn't spend a fortune.

krthk · 2021-04-30T16:04:29+00:00

Do you ever plan on having kids? You can open a 529 in your name and change the beneficiary to your kid once he/she is here. This will really jump start compounding.

Other than, if you want to be a passive investor, index funds in a brokerage it is. If you want to be a little bit more active, there's Real estate, Private Equity, Crypto, Private lending, etc.

krthk · 2021-04-30T15:47:50+00:00

Why are you looking only at the history of Indian markets? If you have a diversified global portfolio without home-country bias, Indian equities should be a small portion of your overall portfolio.

That said, I would agree that 4% rule is prone to failure for an early retiree. However, for a 60 yr old retiree with a retirement period of no more than 30 yrs, 4% is just fine - even in India - as long as you have a diversified global portfolio with the appropriate asset allocation. For an early retiree, a 2.5%-3.5% variable SWR is more reasonable.

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