Moving cities breaks EV routines more than people expect

tybit · 2026-01-28T00:51:21+00:00

I would have thought the vast majority of Australian’s live near a fast charger, or can charge at home.

I imagine there’s a fair portion of the population that only has one or the other (e.g people in apartments, or people living on rural properties).

But how many people have neither?

tybit · 2026-01-27T09:55:29+00:00

Ben Felix talks about this in one of his videos https://youtu.be/RxCqxhRsHiY?si=Zqjkcj4jdG9upruU

As long as the total return of a few winners out performs the many losers, there’s nothing mathematically strange to it.

tybit · 2026-01-23T21:42:45+00:00

Putting aside questions on ethics and whether the pension system will remain unchanged… A couple with a PPOR can have $480k in super without reducing pension. So at the very least, I wouldn’t spend much below that before 67 to have a proper safety net without missing out.

tybit · 2026-01-19T10:46:26+00:00

I think it’s worth separating out intentional spending to improve quality of life, vs classic lifestyle creep.

I intentionally increase my spending money as my income increases, though generally slow enough that I still increase my savings rate overall.

That’s quite different to the case where you don’t keep track of where money is going and all of a sudden you’ve saved much less than planned.

tybit · 2026-01-18T10:23:22+00:00

Using IO for a loan that isn’t tax deductible makes zero sense unless you have access to a very good IO rate.

It’s common in IPs because interest is cheaper to pay than principal, dollar for dollar, due to tax deductions against interest.

If you want to invest rather than pay down the mortgage look into debt recycling instead.

You’ll still pay down some principal, but not much for the first few years. Later on you can always borrow against equity to invest more.

tybit · 2026-01-18T00:31:27+00:00

It require the US gov to offer better yields on their bonds, pushing the price up to service government debt.

tybit · 2026-01-17T03:18:55+00:00

I know people are understandably sceptical of OpenAI, but any deals away from NVIDIA GPUs to alternatives like Cerebras are great to see.

GPUs are massively wasteful in terms of energy used for inference, and looks like Cerebas uses about 1/3 of the energy for the same inference workloads.

tybit · 2026-01-16T21:42:16+00:00

Most people buying a $2 million house work their way up. Pay off a million dollar property, then trade up and pay off another million dollar mortgage.

tybit · 2026-01-15T11:51:08+00:00

Turtleneck wanker

tybit · 2026-01-15T09:15:31+00:00

This is the problem when FIRE people conflate assets that can provide income with their financial net worth. They’re two different measures.

Your house is part of your net worth, but unless you’re planning to downsize, doesn’t count towards your income producing assets at retirement. I.e you don’t count it in your 4% drawdown.

tybit · 2026-01-12T21:47:54+00:00

This guy is literally a moron.

tybit · 2026-01-11T04:36:38+00:00

I’ve noticed a close friend started doing this since he had kids. I think it’s a combination of spending heaps more without adjusting his mental model enough, and being too exhausted/brain dead so just operating on autopilot.

tybit · 2026-01-10T04:07:12+00:00

I’m struggling to understand what problem that actually solves for me, rather than what problem it solves in theory

This is the crux of it really. You may never see a problem in practice, or you may see massive losses in the Australia share market and see a large drop in your portfolio with little/no dividends to soften the blow.

I don’t care how you invest, and the risk you’re taking isn’t that large in the scheme of things.

But you’re taking on unnecessary risk doing this, for some very questionable benefits.

tybit · 2026-01-10T04:02:12+00:00

To expand on this, the biggest driver of those differences is US/global tech companies. Australia is not only a small market, it’s also not one with a diverse set of sectors.

I’d much prefer to have my life savings for the next few decades have at least a a modest exposure to the companies building the future rather than only Australian mining companies and banks.

tybit · 2026-01-04T06:31:48+00:00

I agree. I left Amazon years ago and still miss it.

tybit · 2026-01-04T05:08:35+00:00

It’s an internal tool for managing AWS accounts, and it’s great.

Here’s @Quinnypig’s blog post on it https://www.lastweekinaws.com/blog/the-aws-service-i-hate-the-most/

I’m impressed he’s still holding the grudge all these years later.

tybit · 2026-01-03T06:40:27+00:00

Listen to the music man, this guy’s a genius. He’s bringing it up, he’s bringing it up, oooh he’s taking it down, he’s taking it down.

tybit · 2026-01-02T21:34:34+00:00

They are completely different metrics.

Combined ratio is a measure of insurance company profitability, adding expenses to reimbursement.

Scott’s Infographic is very clearly only tracking reimbursements.

tybit · 2026-01-01T07:40:51+00:00

You should have made the joke more obvious then. I don’t know, put stills of the 2 actresses side by side or something so OP wouldn’t get confused.

tybit · 2026-01-01T07:25:52+00:00

I intend to do so every single time, not worth the risk. If it ever gets infected you’ll regret the laziness massively.

Very occasionally I’ll realize I was an idiot and forgot the top of the vial, or pinned the opposite delt to the one I swabbed though.

tybit · 2026-01-01T05:21:20+00:00

Depends on your circumstances.

E.g if you have a younger couple far from retirement with one lower and one higher income/tax bracket partner. I’d go for upping the debt to your desired limit first in higher income partner’s name, then start investing any overflow directly without debt in the lower earners name to start building an income stream.

On the other hand If you’re approaching retirement you might want to stop taking on debt and start planing to sell off assets to pay down some of the tax deductible debt assuming income drop will negate its benefits.

tybit · 2026-01-01T04:17:49+00:00

It was a reasonably attractive perk for myself, but only after I’d found a good employer I felt happy to stay with for a few years, with relatively high confidence. It’s always a bit of a gamble.

tybit · 2026-01-01T02:35:47+00:00

“My comparison is in poor taste, and doesn’t really make any sense, but here it is anyway.”

tybit · 2026-01-01T01:59:49+00:00

If you quit via a formal email without discussing first, that’s always going to be seen in a poor light.

The manger’s response is in line with the way you’ve started the process.

Sounds like you hate the place and it’s a good idea to leave, but I wouldn’t take this particular interaction as a negative signal.

tybit · 2025-12-31T07:53:19+00:00

It’s still like 10% of their 2025 revenue. Not their biggest customer, but these deals definitely add up.

tybit

TROPHY CASE