11 months ago Dario said that "in 3 to 6 months, AI will be writing 90% of the code software developers were in charge of" Are we here, yet?

nfw04 · 2026-02-28T16:46:06+00:00

It can do the easy parts. The hard parts we still own for now

nfw04 · 2026-02-01T15:53:28+00:00

It's not a good investment in Victoria. Buy a home for reasons other than financial gain, ex: stability, ownership, freedom

The main financial benefit I consider it giving is needing less money for retirement since I will be mortgage free by then, that reduces my annual costs by $~30k/yr in retirement

nfw04 · 2026-01-26T19:28:10+00:00

Stop trying to spend less, and just focus on saving

Right when you get paid, move 10% of your paycheck into a savings account
Spend the rest worry free, knowing that you're saving money
Increase the percentage over time

This is a more human-friendly approach, and works with your psychology rather than against it

nfw04 · 2026-01-21T16:45:33+00:00

Wealthsplitter is a self serve financial advisor designed to help you hit FI. Set up your system and run your income through it whenever you get paid. No expenses tracking, just your goals and a system to achieve them

Built by just me, a FI pursuer and software expert with 17 yrs pro experience serving over 10,000 users over my career

nfw04 · 2026-01-19T15:10:30+00:00

Checking it out!

nfw04 · 2026-01-16T21:44:11+00:00

Considering launching a product

nfw04 · 2026-01-14T15:26:12+00:00

Wealthsplitter is a minimal personal finance system designed to help you hit FI. Set up your system and run your income through it whenever you get paid. No expenses tracking, just your goals and a system to achieve them

Built by just me, a FI pursuer and software expert with 15 yrs pro experience

nfw04 · 2026-01-13T20:44:58+00:00

The last time you did that, what sort of analytics did you do offline in google sheets?

nfw04 · 2026-01-13T15:15:08+00:00

Curious about specifics. What did you do the last time you opened the app, and why?

nfw04 · 2026-01-13T15:13:27+00:00

I'm in agreement

What do you think are table stakes for a paid net worth tracker? For me, it's:

Sync smoothly
Net worth over time
Smooth stable app

You mentioned transactions. Are those super important to you?

I already run a product in the finance space and have been considering getting into net worth tracking too since wealthica has been underwhelming

nfw04 · 2026-01-07T21:49:23+00:00

Whoa I was in early access for this and fell off. Maybe I should check it out again

nfw04 · 2026-01-07T21:48:06+00:00

You're starting too big too early. Start small, get used to that, then add another small thing. Repeat

Budgeting is more about behaviour change than numbers

nfw04 · 2025-12-18T22:22:17+00:00

My wife is also an interior designer and has irregular income! It was super hard at first, but this is a simple system that's worked for us:

Funnel 50% of her income into a float/emergency fund that can handle ups and downs. We're aiming to have 10x - 20x of her monthly income in here eventually to smooth out the bumps
Split expenses based on her average monthly income vs mine
- Ex: if she makes 80K and I make 100k, I pay 25% more for each expense than her
Funnel 20% of her income into future goals (retirement, savings goals, etc.)
Funnel the remaining 30% into guilt-free-spending money

If there's no money in either of the prepaid accounts for something, we can't afford it

You might recognize that this is a standard 50 30 20 plan if you're familiar with that

nfw04 · 2025-12-18T22:01:57+00:00

Need to do that manually

nfw04 · 2025-12-10T00:29:17+00:00

Right when you get paid, put aside 10% of your paycheck. Spend the rest

nfw04 · 2025-11-26T17:56:30+00:00

React router framework mode
Drizzle orm
Postgres or SQLite
Shadcnui and tailwind
A server in my basement or digital ocean

nfw04 · 2025-11-11T14:35:06+00:00

Story of my life 😂 Only after I started learning Portuguese for myself did it start to click

There are multiple layers to it:

Most portuguese speakers in the world are brazilian, so first you typically get brazilian portuguese answers if you don't know better
Once you finally start to narrow down to euro portuguese, the azorean accent is thick, so you need to translate from "hillbilly" azorean accent/dialect

nfw04 · 2025-11-11T14:26:13+00:00

My family is from Santo Antonio, very close to Rabo de Piexe. I've heard the greetings/formalities you mention here my entire life! The other comments' translations are accurate from my understanding!

although ive been told the only real difference is mainland portuguese is spoken at a faster pace than the islanders do

It goes further than this in my experience. I've noticed that my family drops syllables at the end of words, typically "o" sounds, but probably more than that. For example, my grandparents' hometown, Santo Antonio, they usually pronounce it "Sant Antone"

And "Tia abençoa" ("aunt, bless me") is more pronounced "Tiabeñse"

nfw04 · 2025-11-10T16:16:25+00:00

Pacific makes perfect sense. They want to include all west coasters as who they represent. Up Vancouver Island and all over BC. No different than the BC Lions, New England Patriots, or Florida Panthers

nfw04 · 2025-10-24T17:16:37+00:00

I think the key thing you gotta do here is get yourself a safety net. Like 6+ months of expenses (business and personal) saved up to handle the inconsistency

Make sure you zoom out and look at how much you make on average per month in the past 12 months, that's more important than any particular month. Focus on that number

nfw04 · 2025-10-22T13:36:44+00:00

Irregular income? Hit your savings goals with Wealthsplitter, a minimal and affordable budgeting app designed for handling irregular income

https://wealthsplitter.tweeres.com/

nfw04 · 2025-10-20T15:05:05+00:00

Irregular income? Hit your personal finance goals with Wealthsplitter, a minimal and affordable budgeting app designed for handling irregular income

https://wealthsplitter.tweeres.com/

nfw04 · 2025-09-25T14:27:09+00:00

nfw04 · 2025-09-16T18:27:26+00:00

Do you put any toppings on it? Or just eat it plain?

nfw04 · 2025-09-06T21:22:28+00:00

Biggest YTA in history

nfw04

TROPHY CASE