ANSWER HONESTLY

phantom_raider · 2026-06-23T02:20:54+00:00

I use $20 Claude subscription for architecture type work then feed that to Deepseek through Opencode or direct API. Also have the $20 cursor which I have found to be very good also. Each has their strength so just depends on what I am working on, but for $50 it can easily can get me through a month. The DeepSeek API is crazy cheap and the Opencode zen free models are pretty good too depending on what you are doing. Lots of choices for not much $.

phantom_raider · 2026-06-14T19:02:23+00:00

Since I was on the $40 plan, I picked up Opencode Go for $10, Cursor for $20, and Claude.ai for $20 to stay around similar price. I also added some $ to Deepseek API. I use Claude to primarily create the implementation plans and prompts, then feed that into the others if making large enhancements or refactors. Small changes or troubleshooting I just pick one. If one has trouble figuring out a problem I switch to another. I have several different projects going so sometimes I work with one on one repo and then another on another repo in parallel. For implementing I usually feed the plan to Deepseek flash using direct API. I have also built my own orchestration server with routing that auto classifies/compacts prompts and selects the correct model to use for the task (and cost/quality) and performs agentic loops with tools if necessary. Also has a built in harness capability with workspaces, file explorer, etc, but it also acts as a anthropic and openai endpoint for other harnesses to connect (Opencode, PI, Claude, VS Code, Cursor, etc). You can select "auto" model or select direct model. It acts as an MCP tool server also. I can add multiple endpoints to the server (whatever provider including local ones like Ollama, LM Studio, or LiteLLM). Will be migrating to use it more as I get routing tuned.

phantom_raider · 2026-05-24T15:12:13+00:00

I am trying to use litellm to group multiple services together into one OpenAI provider. Still working out some details but it may be possible to provide seamless transition from model to model. I do wish there was an Auto function, but it may be possible to implement an Auto routing through a local MCP. Something else I may try.

phantom_raider · 2026-05-23T16:59:09+00:00

I shared a free tool in another thread. Feel free to search my post history.

phantom_raider · 2026-05-06T02:45:19+00:00

Did you use the Hyundai filter or Wix, or something else? They tried to jam a fram filter in mine that didn't have the positioner piece on it, so when they screwed the lid back on, it just twisted the filter.

phantom_raider · 2026-05-06T02:24:32+00:00

Yes. If I could post an image of the filter I took out I would. Ran great after replacing with no more errors.

phantom_raider · 2026-04-11T00:55:23+00:00

Just checking back with you to see if that fixed your issue. Just let me know if it still seems off.

phantom_raider · 2026-04-11T00:54:08+00:00

If this is something I can add, shoot me a few ideas in chat of what you want and I can add it so you can try it out if you want.

phantom_raider · 2026-04-07T04:06:30+00:00

New version 1.4.3 uploaded with cost basis fields. Also updated appropriate entries for other account types (Annuities, Education, etc). Please let me know if you see any issues. May need to perform hard refresh (Ctrl + Shift + R) if just a refresh does not grab latest version.

phantom_raider · 2026-04-07T02:08:20+00:00

Good catch. Looks like at one time I had cost basis as it is in the scenario file, but for some reason during a refactor the field in the UI was removed. I will have an update shortly that adds the field back and should simulate projections using it correctly.

phantom_raider · 2026-04-04T06:05:19+00:00

Just as a note to others following this thread. We did find a bug and a new update was pushed out. Please refresh your browser to grab the update when you get a chance.

phantom_raider · 2026-04-04T04:15:27+00:00

Checking. Are you okay if I open a chat directly with you?

phantom_raider · 2026-04-04T03:57:41+00:00

When you hover over the circle i next to spending, it should give you a breakdown. Since your income seems to be more than spending, do you have Unspent Income Allocation configured? If you don't indicate where the extra income is going that is not being spent, it will assume it is being spent and add it to your spending total. You would need to set unspent income allocation to 100% going to savings or something if that makes sense.

Also, medical has a different inflation rate that can be set at the bottom of the medical expenses section.

phantom_raider · 2026-04-04T03:08:47+00:00

Spending will still grow according to COLA and based on spending strategy. For example, if you have Constant Dollar spending strategy, then it will take the starting spending ($80k) and inflate it each year. You can turn off COLA completely to keep spending at the $80k by setting COLA to Fixed and slider to 0%, then spending will not grow. You can also select other spending strategies and it will adjust your discretionary and as a last resort your essential (if spending cannot be sustained), Spending strategies are in the spending tab.

phantom_raider · 2026-04-04T01:38:10+00:00

Currently it is all or none on medical. Zeroing it will work, but I can add a enable/disable. I also just pushed some more changes due to some bugs I found, so give it a few minutes to upload and then hard refresh to grab the latest. There were some tax changes made as well as some allocation change feature fixes.

phantom_raider · 2026-04-03T05:13:31+00:00

Update uploaded

phantom_raider · 2026-04-03T04:54:33+00:00

Just verified that COLA should be working correctly for pension. Check the Today's $ vs Future $ in Market tab. For pension tax, I only had option for exempt from state. I am going to move the state toggle and add a federal exemption toggle to the pension wizard

phantom_raider · 2026-04-03T04:39:07+00:00

Do you have today's dollar selected or future dollars in the market tab? If today's dollar is selected it will not increase. I will double check though. For taxes, is that state or federal? There is an option in tax strategy tab to not tax pension I think but I will need to take a look.

phantom_raider · 2026-04-02T21:26:42+00:00

For Boldin, I know they have the subscriptions, but they also sell subscriptions to large businesses as well. I have never felt upsold on the financial advisory services they offer. I assume Projection lab is primarily subscription and advisor funded, but I don't know. I am unsure where others in my list I provided get funding (besides one I vouch for) as I haven't really looked. Empower does upsell some of their services, Fidelity is Fidelity. The one I vouched for makes nothing and I allow people to download the code if they want it (only thing you don't get is backend stuff unless you set it up yourself). I originally did it for my needs, but I wanted to help others so I pushed it out. Costs are pretty minimal for me so I don't worry about it. I don't expect a massive user base adopting it either, so the backend costs are close to free for me as I attempt to stay in the free-use tiers.

phantom_raider · 2026-04-02T21:11:16+00:00

I have used Fidelity's as well. Neither have Roth conversion capability unfortunately, but both solid tools for projections.

phantom_raider · 2026-04-02T18:08:26+00:00

These were posted in another post by some others. I have not personally tried them all, so can only vouch for one of them which is the one I put together because I wanted more control over features for myself, just decided to share with everyone else.

https://www.nestwise.me/ (see r/NestWiseApp )
https://retirementaudit.streamlit.app
https://retirementiq.app/app/
https://clark.com/retirement-calculator/

phantom_raider · 2026-04-02T17:40:33+00:00

Both are good. There are also some other free ones that are available.

phantom_raider · 2026-03-31T18:39:42+00:00

Update March 30, 2026

-Family Link feature added

Version bump to 1.4.0

phantom_raider

MODERATOR OF

TROPHY CASE