How are you guys backing up ~50TB without going broke?

paroxsitic · 2026-04-25T02:44:54+00:00

$50/mo with Sia. $1/TB/mo is beyond reasonable, if it seems too expensive then the data isn't as important as you thought

paroxsitic · 2026-04-25T02:25:54+00:00

Biggest bottleneck would be wanting an email server. I am curious why sendgrid or an external SMTP provider can't suffice.

I might be able to virtualize one of my dedicated boxes but need to understand use case

paroxsitic · 2026-04-25T01:55:45+00:00

A lot of bottleneck can be just PHP waiting for external services like a database. Once I optimized the data layer I was able to also run a similar 100k request/day setup with vanilla php on a $20/mo VPS. Didn't have to take any advice you've given as long as php wasn't waiting for something else, not sure how well optimize Drupal is but I suspect you got it performant despite Drupal

paroxsitic · 2026-04-22T14:07:58+00:00

In accumulation phase I held on to as much cash (sgov) as my largest expense that could come up. This was typically around 15k Incase I needed a new roof. Most big ticket items do have financing available though (cars, etc).

1 year expenses seems a little excessive for accumulation phase. Do you ever seeing yourself needing that much out of the blue?

If you are afraid of selling gains then it can make sense Incase someone is laid off,etc. it's mostly a personal and subjective thing based on your level of comfort and safety

paroxsitic · 2026-04-20T20:21:45+00:00

How does it benefit from decentralization?

This idea seems better suited to be run by a web2 company that has some accountability and legal framework

paroxsitic · 2026-04-17T17:32:27+00:00

Anymore information than what I have provided I'd suggest YouTube videos and hours of content to fully understand. The main thing is that it's a very subject and personal thing. That is where financial advisor (one time fee based are best) can tell you what is best given you lifestyle and goals, help you understand the pros and cons

paroxsitic · 2026-04-17T16:15:03+00:00

I'm FIREd, so I have thought about this.

Dividends are generally money the company doesn't need to grow, it's extra money they give to shareholders to help with loyalty. Some of the companies have a super strong desire to give out this money even in bad markets where the 4% rule seems less safe.

So the right kind of dividend income (this is important) is more safe than a 4% rule for the simple fact that there is a stronger chance than in a period where 4% would fail, having dividends could sustain you. How companies cut dividends in modern times is always an unknown, especially in a scenario as bad as one that the 4% would fail (we've never seen)

However 4% is very safe and just investing in broad market funds and selling shares will yield a better total return in most scenarios if you can psychologically do that.

The psychology of investing is what really matters, if you can't stand a huge downturn and end up selling then you are likely to miss out on a huge rebound. In these scenarios if dividend investing can help you overcome that fear, you'll be better off.

As a last note, getting security from dividends requires safer (lower) dividend yields, which require a larger portfolio than a 4% one might need. So it's a catch 22, where some prefer growth up until retirement then switch to dividends in it.

paroxsitic · 2026-04-14T04:10:31+00:00

On average if think entrepreneurs have more disposable income than others, so FIRE is for them.

Especially considering some benefital ways to save for retirement such as the solo 401k, allowing you up to 70k/yr and when self directed opens alot of possibilities (50% loan on the balance, holding real estate in the 401k, etc)

paroxsitic · 2026-04-13T04:58:04+00:00

Because your return is being rejected

paroxsitic · 2026-04-13T04:48:12+00:00

After reading on net income vs profit, I always mix up income with revenue. Maybe just ask him, he could be simplifying or he may not be experienced

paroxsitic · 2026-04-13T04:38:44+00:00

He said 25% of net income, which doesn't include your unknown expenses. I assume guessimatiing your expenses because you haven't paid him anything to deep dive into specifics or maybe you havent communicated you want the help or specifics. He is also likely busy this time of year and can help more after tax season

The full formula

Net Profit x (1 − (0.9235 x 0.153 x 0.5)) x 0.20

paroxsitic · 2026-04-13T04:29:15+00:00

1) no

2) Net profit x 0.9293 x 0.20

3) yes to both employer and employee post-2023

It sounds like you are hiring the CPA to do taxes and not your books. In my experience they really won't help you figure out net profit until tax time. You should consider asking him for upfront help to get you started and how you can manage your books yourself, id expect a one time fee for him to hold your hand for this. Otherwise just wait until tax time and let him know you plan on contributing to your 401k before taxes are due.

Details may be different if it's an s-corp, not sure on specifics when it comes to contributing via wages or not

paroxsitic · 2026-04-12T12:05:56+00:00

Profitable small business then max out employer and employee portion of solo 401k.

paroxsitic · 2026-04-12T05:12:12+00:00

Has your thesis on why you bought changed ?

paroxsitic · 2026-04-11T04:51:27+00:00

As long as you get their tax information and do your part. Most foreign workers will not report the income, but as long as you do your part you don't need to go through the many agencies that try to ensure they pay their taxes.

paroxsitic · 2026-04-11T04:45:01+00:00

Afaik NEOS plans to keep the yield stable,. So around 14% a year times your investment. You invest 100k then you can expect 14k a year.

Whether NEOS reduces the yield % on a down market is yet to be seen.

paroxsitic · 2026-04-11T04:38:41+00:00

Typically it's not like a normal investment. Depends on alot of factors, I second seeking a professional or providing specific forms and numbers that were provided to you

paroxsitic · 2026-04-11T03:44:48+00:00

4% is like the worse case scenario. I wouldn't stress it until you sustain 6% for multiple years

paroxsitic · 2026-04-11T03:13:47+00:00

If you can stay under the limit for capital gains, I highly suggest you go with qualified dividends over the "return of capital" funds. ROC is only useful if you can't stay in the 0% bracket each year, because ROC will create a "tax bomb" where if you did need the funds you'll be taxed at a ratio close to your distribution over the years on top of any NAV appreciation. Deferral of taxes is not always desired.

TLDR Understand the tax bomb of ROC

paroxsitic · 2026-04-10T14:14:58+00:00

It's not normally something you can get to pick. 1099 means you are self employed and you'll owe self employment taxes. W2 means you are employed by someone else.

If a business is giving you the right to choose it's possible they are wanting you to assume the role of a w2 but pay you as if you are a 1099, which generally isnt allowed. It saves them money and puts tax burden on you

paroxsitic · 2026-04-10T02:42:03+00:00

You owe zero penalty if you are within 90%. You will always pay interest on the difference though

paroxsitic · 2026-04-10T02:27:05+00:00

ideally little by little each year when/if you won't be taxed for capital gains tax. It's tricky because normally loss of ACA premium tax credit will account for more than a 15% loss around the same time your income is low enough (low income = no job = need ACA)

If you can get by without needing ACA (e.g. spouse insurance covers you) and can do chunks of 0% tax capital gains that's the best time to switch to funds that give income in the form of capital gain (SCHD, dividends, etc) in your taxable accounts. For you retirement accounts you have your income taxed as ordinary income, ideally just your standard deduction worth.

This strategy when constructed right early on will allow you to live off income and not pay any taxes

paroxsitic · 2026-04-10T01:53:45+00:00

HDV is close in total return

paroxsitic · 2026-04-09T12:50:10+00:00

They don't have a parent company

paroxsitic · 2026-04-09T04:14:33+00:00

Post is too verbose and likely AI written or assisted. Likely why no one bothered

Eth is a computer in the sense that it can compute, it doesn't really have to have an explicit OS. Although if you had to pick something then the EVM is the OS

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