Are you ok?

Yes, I’ve got a detailed plan and I’m sticking to it. In 12 years from now, my youngest will be 15 and I can start winding down. I can’t imagine doing nothing, but with some part time work I think my wife and I can stretch to make it work. Requires that the oldest self-fund through university, which I had to do, so I’m ok with that.

Currently 47, which is probably substantially older than most people here. The concept of “retirement” (winding down) seemed so far away (didn’t start saving for it until late twenties) but compounding interest really is the most powerful force in the universe.

Of course if the stock crashes, plans may have to change. I’m slowly moving towards a stronger bond mix but that lowers return and pushes dates out. It’s a hard balance.

I think I’ve accounted for everything that one can plan for; late life care costs, risk of both my wife and I living to 100 (in a financial sense, we should all be so lucky), higher spend until 75, then lowered. There’s a risk that the UK removes universal state pensions, which would drastically alter my plans.

https://imgur.com/a/MAWe4eq

Crucially though, for a very long time they forced you to choose a server instead of just set you up on the default on.

I’m not saying don’t federate. I’m saying don’t talk about that as the primary feature when you’re enticing people to sign up to it.

Agreed. There should have been a default place to sign up from the beginning. Leaning on federation as a feature is something very few people care about until they really care about it. The mass adopter just looks at where their favourite celebrity or talking head is and then move there.

For anyone finding this later. Unfortunately I’ve had to come off Actual :-(

While the gocardless syncing works really well, Actuals code for merging transactions is just too flaky for the banks I use. I end up having multiple similar transactions, done on the same day for the same amount, collapse into one and while you’re meant to be able to just set a starting date and an account value, Actual kept on syncing transactions from before the starting date.

I appreciate it’s open source and given I’ve paid nothing I should expect nothing. All good. But there wasn’t any engagement in the discord support section nor any response to bugs filed. It’s clearly under active development but the QA side doesn’t get enough attention that I could get it to work for me.

While I understand they don’t want to accept bugs without repro steps, there’s not enough scaffolding for capturing data and submitting issues inside the app.

I know I could get on that and fix it. I’m not complaining. I’m glad Actual works for many. But the transaction syncing totally did not work for the banks I used and so I’ve had to stop using it.

Been on PhotoPrism+ for a few years (90000 photos, 9000 videos). I use PhotoSync and it’s rock solid (although I go through an FTPS server for sync) - I’ve never ever had an issue with it. Yes, it’s third party, but for me it has just WORKED. Can also highly recommend PhotoPrism although I don’t edit many tags.

Looks great. Will definitely try out.

Day to day I just use LunaSea. Added convenience of being able to add a film from a phone.

Speaking as a Dane, where Halloween has invaded in the last 20 years, basically to replace Fastelavn, the traditional spring-based festival of trick or treating, just another excuse for selling stuff.

Yes 100% that. I’ve never met a dentist who didn’t immediately tell me to rinse before brushing on hearing I used mouthwash; they all categorically said not to do it after brushing.

Your own happiness is more important that somebody else’s happiness.

Not to say you shouldn’t be nice or help people, or invest in other people’s growth.

But don’t do it to the detriment of your own.

Man good dental hygiene is one of those things you just do not think about until you’re older. Flossing, interdental, mouth wash (before brushing), regularly visiting the hygienist and dentist. Your teeth evolved to last 35-ish years, the rest only happens from hygiene.

Cry.

Would HAVE. Could HAVE.

The original author tried to turn it into a business. Turns out that was next to impossible up against YNAB. Gave it to the community who’s keeping it current.

I’ve literally just switched to Actual (3 days in) after living out of a homemade Excel YNAB clone for years and years. Overall it’s great and the bank syncing really works (except with a weird issue around starting date and starting balance).

I love that it’s open source, E2E encrypted, self-hostable and the data lives in a SQLite database.

If I haven’t found any major snags, I’ll of course become a supporter in a couple of weeks.

Yes, it works a treat in the EU (due to PSD2, which mandates open banking) and U.K. (which is copy/pasting PSD2 to ensure their banks aren’t left behind).

I’m syncing with Handelsbanken UK, American Express, Lloyds, Monzo and Starling, all in the UK. Works a treat except most of the banks actually rate limit you to a couple of syncs per day.

I admire your commitment to this. I’m onboard. Fuck em, take smaller bites.

There are people who have a genuine problem breathing fully through their nose though.

Linus unprofessional?! Surely you jest!!

There will be a million security issues across all OSS. Some of it will be intentional; if so definitely don’t expect it to be a “findable” back door. It will be a set of vulnerabilities across several projects, that when combined allow the perpetrators privilege-escalations or a known path through a security system. Removing “Russians” from contribution doesn’t actually stop that, everyone can use a VPN and work as an American or whatever, but it does send a signal.