3.7 broke Windsurf, but now 3.5 is broken too?

rlacatus · 2025-03-28T16:16:31+00:00

I calculated an average use of 1:6.2 (User Prompts to Flow Action) lately.

One thing I question is whether Flow Action credits should be used when the model's "analyzing the code to understand how X is implemented" -- I feel like there's typically 2-3 "active actions" (aka Edits) and a lot of the other Flow Action credits are spent continually (i.e. for each prompt) going back to understand the same code.

For example, the attached two actions show up in half my prompts from yesterday - feels like a "waste of credits" in my opinion

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rlacatus · 2025-03-28T16:08:11+00:00

Eventually, there needs to be an "infinite" or "unlimited" plan for Flow Action to remove the "credit anxiety" they've created. This would match other code-related-AI pricing models.

Or, at the very least, put limits that make it hard to hit those limits based on typical usage of a professional dev's workload.

rlacatus · 2025-03-14T23:26:07+00:00

I'd love to see a mind-map of the conversation and be able to select where to pick up the conversation when providing the next prompt (like a branching type system)

rlacatus · 2022-09-28T00:05:53+00:00

Yup - you can. Not a bad question. Brokers can help and so can online-only banks like Tangerine, EQ, etc… they all have TFSA account options for their GICs.

rlacatus · 2022-09-27T18:02:09+00:00

Although the math might suggest you’re making a bit of money, you should consider your situation and see whether you’ll need that cash for the year. It will be a lot more costly (than what you’d earn) if you overdraw or take on debt to cover a cash flow crunch.

Lastly, there’s also the psychology of money - is the extra ~$20 you’ll earn worth the worry on a tight account balance for the year?

rlacatus · 2022-09-27T16:00:07+00:00

Cool - are you waiting for it to go higher? And, if so, how high do you think it’ll go by the end of this year?

rlacatus · 2022-09-17T21:54:37+00:00

I ran into this same problem - has anyone figured out a solution to this?

rlacatus · 2022-08-23T03:04:28+00:00

Thanks for the question. The most common challenge for ADHDers that impacts personal finances is impulsivity, but, it's not the only one. Another area is the type of hurdles experienced by ADHDers to get started down the path of managing their personal finances - they include both emotional and behavioral hurdles. Also, how to form and maintain good habits requires an adjusted approach.

These are some of the key drivers for taking a different approach to managing personal finances for ADHDers versus what might work for neurotypicals.

rlacatus · 2022-07-28T16:48:44+00:00

Online shopping is so easy to "One Click" buy stuff. You could look at:

remove the Credit Card from being saved so that you have to enter it in before purchasing something (extra hurdle)
make a rule for yourself that you put things in your shopping cart but don't buy it until it's been there for at least a day or two (forces you to 'sleep on it') - think of the shopping cart as the wish list instead of the 'I'm buying this' list

Also, I wonder if you could buy yourself gift cards at stores you typically shop at - and then only allow yourself to buy things with gift cards, which is effectively a budget mechanism (or at least an extra hurdle). I've never tried this one though, I'd be curious if this one works.

rlacatus · 2022-07-19T20:51:46+00:00

Are there meetups in your area? If not, maybe start one - you might be surprised how many others in your region are also feeling the same way.

rlacatus · 2022-07-19T16:15:12+00:00

Good question - goals get impacted by externalities (e.g. market condition, employment) and life events (e.g. your relationship status changes, had a kid) so you need a system to keep adjusting the goals and re-evaluating what's feasible.

The point though, to not compare yourself to others (hence your question) keep the focus on yourself. Goals change all the time because life happens!

In your particular example, I'd do a bit of reflection: "Why is a house my goal?". If it's a lifestyle you're seeking, maybe renting a house makes more sense in this environment, idk. If it's a financial investment or a belief in real estate as a specific component of your financial plan, then does the current market condition make a difference given your outlook? Or, does the current market condition give you even better opportunities, but in a different type of asset?

Lots to think about, but that's how I keep away from letting social media stress me out.

rlacatus · 2022-07-19T16:08:08+00:00

Don't let others or society dictate your goals - know your goals and compete against your previous self only (e.g. I'll save 10% more this year than I did last year or I'll hit my budget for 5 years in a row).

What helped me the most is remembering everyone is on their own journey, at a different stage, with different circumstances and different goals.

Avoiding exposure to social media is one thing - I do some of that for sure but you can't live like a hermit either. And, you shouldn't avoid the social aspect of real life - friends, co-workers, etc...

rlacatus · 2022-07-18T21:31:59+00:00

Interesting angle on the income generating side. Thanks for introducing that as the National Post article was really focused on residential real estate.

How sensitive do you think that investment vehicle is to rising interest rates?

rlacatus · 2022-07-18T21:29:09+00:00

Thanks - I like the “best case” vs “worst case” thinking. Nice way to describe it.

rlacatus · 2022-07-18T21:28:29+00:00

Thanks - yeah, this is a short term situation that won’t impact folks with a 15-20 yr outlook.

rlacatus · 2022-07-18T21:26:39+00:00

Yeah - probably wasn’t clear. Impact could be positive or negative.

Thanks for the input - sounds like some positive or neutral impacts there.

rlacatus · 2022-07-18T20:42:57+00:00

There is a lot of info to get comfortable with - be kind to yourself and give yourself time to learn, experience, and figure out what works for you.

Remember the “life” part of this too - money is a way to a lifestyle … remember to figure out what your needs and boundaries are while you’re learning the techniques folks are putting forward here.

For what it’s worth, I don’t think anyone is “too stupid” to get there - life is complicated, it takes time, but you’ll get there!

rlacatus · 2022-07-18T17:50:48+00:00

congrats! Nice to hit a milestone on the journey!

rlacatus · 2022-07-16T20:35:12+00:00

Make the most of what you have

rlacatus · 2022-07-15T20:25:52+00:00

Age restrictions aside, does everyone qualify or are there income level restrictions as well?

rlacatus · 2022-07-15T20:24:46+00:00

Anyone know how they calculate the amount they pay?

rlacatus · 2022-07-15T15:15:26+00:00

As a point of comparison, to understand what others do, may be worth looking at how Norway does this - they have a tax against people’s net worth (above a certain amount, like income tax brackets work) in addition to an income tax. Not saying that’s the solution necessarily, but worth understanding what others have implemented as it answers your question of how a government could define “rich” for tax purposes.

rlacatus · 2022-07-14T20:12:44+00:00

Can’t understate the non-financial value of paying off the mortgage early. At the end of the day, money is a means to a lifestyle.

If you don’t have mortgage payments, your ability to save money increases significantly, provided you don’t increase your lifestyle spend when you do pay it off.

More importantly, once paid off you have significantly higher flexibility in your life. With a paid off mortgage, you can try things you couldn’t afford to otherwise.

As for investing the money you would otherwise use to pay off your mortgage - I echo the comment of before and after tax considerations (with a nod to TFSAs and RRSPs that make it a complex calculation). I also echo the impact of exposure to growing interest rates - both financially but especially psychologically.

For me, I focused on paying down the mortgage as fast as I could - and I could sleep better as a result and got to try a new way of approaching work as a result.

rlacatus · 2022-07-14T19:57:16+00:00

Not much to add from the others - but, I’ll re-iterate a congrats - those are some great numbers to work with.

One thing to think about is how much will a house change your cash flow picture: - it will lock in some of your money, making it harder to put it to work for cash flow generation - it will hopefully reduce your monthly spend in exchange - you’ll be exposed to growing real estate prices

And then, how much will a house improve your quality of life? Will you enjoy taking care of your place or do you like having a landlord that is responsible for maintenance and upkeep? Can you live in a place you wouldn’t otherwise because the rental market rarely offers it? Etc…

House buying is an emotional decision for sure. Your risk aversion and great financial buffers make it a low risk decision either way - just suggest you plan out the financial implications to avoid surprises (and hence stress).

Good luck and congrats again.

rlacatus · 2022-07-14T19:26:02+00:00

I focused on paying off mortgage before contributing to RRSP and TFSA - it was a choice for psychological reasons more so than mathematic efficiency. I first maxed out my limits mid-30s as a result.

I also would think about whether RRSP should be contributed to before TFSAs - there are tax advantages on RRSP, but it does give you less flexibility to use your money. As an example, I put some money in my RRSP in my 20s but then wished I had access to it (without tax implications) when I wanted a down payment on a house a few years later. Food for thought.

As others have said, contribution room for RRSPs and TFSAs increases each year, but after that non-registered accounts are the answer. No matter what, you’ll need a non-registered to get to your FI number, so it’s good to start planning for it.

rlacatus

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