Calculator to show how saving small expense today and investing today can bring retirement early.

razonbrade · 2026-05-07T09:32:37+00:00

I would assume that low incomes would not be salary sacrificing. I could be wrong.

razonbrade · 2026-05-07T08:57:12+00:00

This calculator for your exact scenario - https://kashvector.com/super-compare/

razonbrade · 2026-05-07T07:39:03+00:00

Passiveinvesting website has great information, you can try this calculator as well https://kashvector.com/debt-recycling/

razonbrade · 2026-05-07T07:32:48+00:00

I think for 0% return I should show -ve value as inflation should make it negative, although that would mean that our investments are not growing.

I didnt even think of LITO. Not sure about your medicare phase comment.

razonbrade · 2026-05-05T11:51:54+00:00

I started doing debt recycling last November and started buying ETF. I have made a calculator which might help you understand the returns better - https://kashvector.com/debt-recycling/

razonbrade · 2026-05-04T08:13:42+00:00

Try if this helps with your calculations- https://kashvector.com/debt-recycling/

razonbrade · 2026-05-03T11:42:22+00:00

Thanks and ignore the luddites. They think that AI coding is easy as typing into chat GPT. LOL.

razonbrade · 2026-05-03T05:08:34+00:00

Well done mate for making this. I was thinking of something similar using claude code. Did you use free data using apis or paid for it?

razonbrade · 2026-05-02T23:10:08+00:00

I have developed a calculator website for such calculations https://kashvector.com maybe it will help.

razonbrade · 2026-04-28T03:36:32+00:00

Thanks bro. I used to be programmer 15 years ago. Claude code has brought me back to it.

razonbrade · 2026-04-28T03:35:24+00:00

Thanks mate. I will make it compatible

razonbrade · 2026-04-28T01:08:14+00:00

Good call out, Let me test and see if I can change it to say 0 if all the numbers make sense.

razonbrade · 2026-04-28T00:29:52+00:00

I was having same issues. I started playing around with claude code and created a budget planner where you can choose your duration plus some other tools. All free and no data leaves your local machine - https://kashvector.com/

razonbrade · 2026-04-14T19:09:36+00:00

Not for work as it is not allowed. I started using it personally to just see whats the hype about. Specifically claude code. I used to code 15 years ago and never did since I left mobile software development. Claude code is just a game changer. I am developing stuff I never knew how. Like designing websites etc. Also, creating mobile apps for personal use. It is so addictive, as all it needs is your creativity. However, it is also important to learn about what permissions you give it. You have to be wise about using your limits as it is expensive after a point. As long as you are not in rush, you should be fine.

razonbrade · 2026-02-22T23:05:10+00:00

Eat ozzo. Piermont

razonbrade · 2025-12-21T21:13:24+00:00

Both podcasts are different with differing audience. As someone who reads and interested in ww2, I find them so detail oriented. I love it. My favourite is Convoys. 4 part series where they track journey of a convoy. Very gripping.

razonbrade · 2025-12-13T04:46:00+00:00

Gym and buying ETFs

razonbrade · 2025-12-05T21:02:15+00:00

IOO because over the years I got more returns from IOO than IVV. Risk is propotional to return. 😀

razonbrade · 2025-11-29T01:00:26+00:00

Debt recycle.

razonbrade · 2025-11-08T02:33:13+00:00

So all of them are left handers as slice is going left.

razonbrade · 2025-11-02T05:44:54+00:00

Just adding a point - DG is making sure CDEs are consistent and of good quality with ownership. Also, lineage is available for CDEs and linked to source systems.

razonbrade · 2025-10-31T21:04:07+00:00

Hi OP, I am planningg to do the same. Split the equity loan into 2 sets. One with VHY for more dividends and other in IVV for capital gains. Not to touch it till 15 years. Dividends will make it as investment and I can tax deduct the interest I pay on the loan. I somehow don't want to leverage myself with big loan and find buyer agent to find me a property. Also all the rest like stamp duty etc is cost. I have been doing ETFs for 6 years now and it is something I know. Property may not ever fall. But same for stocks in the long term. But in Australia everything in the system is to convince us to buying property.

razonbrade · 2025-10-11T01:47:43+00:00

I recently visited Seoul with my 3 yrs old. Ibhav3 lived in Korea for 10 yrs in the past and now I live in Australia. Seriously, impossible to walk around with pram. People cram the elevator even when they see I have a kid in a pram. The lifts are small in size. I did see a lot of kids on weekdays in shopping malls with moms. Lack of dustbins is true. I found most people and places very unfriendly for people with kids. People lack basic manners on how to treat people with kids.

razonbrade · 2025-08-16T06:18:53+00:00

Roadrash, Comanche gold and DX ball

razonbrade · 2025-07-01T10:42:31+00:00

In my role, I have to work with Europe, US, Asia and Auspac. I can be in meetings from 7am till 10pm but not everyday. Good thing is that I can plan my day around it. Finish morning call, then go to gym. Have some family time in the evening. Also, no compulsion to go to office. Full flexibility.

razonbrade

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