Exciter - when DM fell off their cliff.

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.

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.

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.

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