@tyler9000
PC is great as is, I only bring this up because you recently asked, and last night I found myself going back and forth between PC and FireCalc to play out various ideas (PC in portfolio/WR changes and Firecalc with cashflow changes) It's greatly appreciated! So please don't take that as a criticism.
Tyler9000's Journal
Re: Tyler9000's Journal
No criticism taken at all. I appreciate the suggestion!
Re: Tyler9000's Journal
The site is great. I've spent hours on it. My top suggestion would be to let users pick the year back testing starts in.
One criticism that has stuck with me, is the US switching from the gold standard in the early 70's, coupled with high inflation during that time period, skews performance for gold heavy portfolios, especially the golden butterfly. This MMM thread touches on it:
https://forum.mrmoneymustache.com/inves ... butterfly/
One criticism that has stuck with me, is the US switching from the gold standard in the early 70's, coupled with high inflation during that time period, skews performance for gold heavy portfolios, especially the golden butterfly. This MMM thread touches on it:
https://forum.mrmoneymustache.com/inves ... butterfly/
Re: Tyler9000's Journal
I hear ya. Without devolving the journal into a technical discussion, I'll just point out that I specifically address this critique here: https://portfoliocharts.com/2019/07/23/ ... f-bubbles/
And while I absolutely appreciate the detailed site feedback, if you guys don't mind let's try to keep it in the Portfolio Charts thread. That will help me track it down later. Thanks!
And while I absolutely appreciate the detailed site feedback, if you guys don't mind let's try to keep it in the Portfolio Charts thread. That will help me track it down later. Thanks!
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Western Red Cedar
- Posts: 1519
- Joined: Tue Sep 01, 2020 2:15 pm
Re: Tyler9000's Journal
Happy 10 year anniversary! I'm one of many here who greatly appreciates everything you've done for the FI community.
Re: Tyler9000's Journal
Thank you! Man, time flies.
Speaking of 10 years, I believe I'm well past due for an update.
Speaking of 10 years, I believe I'm well past due for an update.
Re: Tyler9000's Journal
Ten Years Later
My 10-year anniversary of full-time work after college was a study in contrasts.
On the one hand, the countless hours I spent perfecting my engineering craft lifted me to my dream job as the lead designer for a high-profile product that I was truly passionate about. As I thought of the launch soon to come, all the travel, long hours, and unmeasurable mental energy spent on my career was quickly building to something great. It was the moment every engineering student in college, buried in homework and just trying to keep their head above water, daydreams about to keep going. The future was truly bright.
But behind the scenes I was at a breaking point. I was unhealthier than ever, long-time relationships were straining, and so much of my time was spent thinking about my own personal stress that there were extended periods when I was totally useless. Persistent neck pain crippled my days, and restless hours staring at the dim shadows on the ceiling consumed my nights. But I powered through because I knew it would soon all be worth it.
A few months later, the product was cancelled and the entire office was laid off. Just another day in Silicon Valley.
-----
“Retirement” is a loaded term, and I’ve always preferred other descriptors. But whatever you want to call it, yesterday marked the 10-year anniversary of my last day working full-time.
In a lot of ways it feels like the last decade spent decompressing from work is a reverse of the initial buildup. The stress is so much lower, I’m a lot healthier overall, and the external forces that once strained life to the breaking point are now a distant memory. Perhaps most fitting, my old engineering career monument on which I once based my sense of identity is almost completely dismantled. That's not to say I have no sense of purpose, though. It has simply shifted to new things with room to grow.
I can happily report that life after the off-ramp is pretty darned nice. Considering the number of times I worried about things like safe withdrawal rates, it’s educational to realize that we have double the resources today as when we first pulled the ripcord. The thing about worst case scenarios is that they generally don't happen, especially with smart, adaptable people willing and able to turn a temporary setback into a new opportunity. Life is a decent balance of personal projects and pleasure. Portfolio Charts is in a good steady state after a few years of focused refinement, and DW is still enjoying part time work of her own. Life is good.
But that’s not to say that everything is perfect. Two new things I’m struggling with are a general lack of close friends without the easy work connections and a bit of existential angst about where to live long-term now that we can truly choose anywhere we want. It may take time and effort, but I have faith that it will work out even if I can't totally picture the endpoint right now.
Just like the hope of the first day of work after graduation or the thrilling terror of giving notice with no set plans, sometimes you just have to put yourself out there. Here's to another 10 years of blazing a new trail.
My 10-year anniversary of full-time work after college was a study in contrasts.
On the one hand, the countless hours I spent perfecting my engineering craft lifted me to my dream job as the lead designer for a high-profile product that I was truly passionate about. As I thought of the launch soon to come, all the travel, long hours, and unmeasurable mental energy spent on my career was quickly building to something great. It was the moment every engineering student in college, buried in homework and just trying to keep their head above water, daydreams about to keep going. The future was truly bright.
But behind the scenes I was at a breaking point. I was unhealthier than ever, long-time relationships were straining, and so much of my time was spent thinking about my own personal stress that there were extended periods when I was totally useless. Persistent neck pain crippled my days, and restless hours staring at the dim shadows on the ceiling consumed my nights. But I powered through because I knew it would soon all be worth it.
A few months later, the product was cancelled and the entire office was laid off. Just another day in Silicon Valley.
-----
“Retirement” is a loaded term, and I’ve always preferred other descriptors. But whatever you want to call it, yesterday marked the 10-year anniversary of my last day working full-time.
In a lot of ways it feels like the last decade spent decompressing from work is a reverse of the initial buildup. The stress is so much lower, I’m a lot healthier overall, and the external forces that once strained life to the breaking point are now a distant memory. Perhaps most fitting, my old engineering career monument on which I once based my sense of identity is almost completely dismantled. That's not to say I have no sense of purpose, though. It has simply shifted to new things with room to grow.
I can happily report that life after the off-ramp is pretty darned nice. Considering the number of times I worried about things like safe withdrawal rates, it’s educational to realize that we have double the resources today as when we first pulled the ripcord. The thing about worst case scenarios is that they generally don't happen, especially with smart, adaptable people willing and able to turn a temporary setback into a new opportunity. Life is a decent balance of personal projects and pleasure. Portfolio Charts is in a good steady state after a few years of focused refinement, and DW is still enjoying part time work of her own. Life is good.
But that’s not to say that everything is perfect. Two new things I’m struggling with are a general lack of close friends without the easy work connections and a bit of existential angst about where to live long-term now that we can truly choose anywhere we want. It may take time and effort, but I have faith that it will work out even if I can't totally picture the endpoint right now.
Just like the hope of the first day of work after graduation or the thrilling terror of giving notice with no set plans, sometimes you just have to put yourself out there. Here's to another 10 years of blazing a new trail.
Re: Tyler9000's Journal
Just wanted to pop in to say congratulations!
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jennypenny
- Posts: 6910
- Joined: Sun Jul 03, 2011 2:20 pm
Re: Tyler9000's Journal
Congrats on 10 years Tyler!
Any chance of that toolkit being released for macs? It's been a long time since I used a microsoft product.
Any chance of that toolkit being released for macs? It's been a long time since I used a microsoft product.
Re: Tyler9000's Journal
@jennypenny -- Thanks!
The gating requirement for the Toolkit is Excel, not Windows. You can either purchase your own Excel license for Mac (Office products work very well on my Mac laptop), or sign up for a free Microsoft Office account and use the spreadsheets in the cloud using a web browser. I cover how that works here: https://portfoliocharts.com/supplies/to ... sing-excel
The gating requirement for the Toolkit is Excel, not Windows. You can either purchase your own Excel license for Mac (Office products work very well on my Mac laptop), or sign up for a free Microsoft Office account and use the spreadsheets in the cloud using a web browser. I cover how that works here: https://portfoliocharts.com/supplies/to ... sing-excel
Re: Tyler9000's Journal
I've enjoyed your PC site articles, even if I haven't played with any calculators for a few years. Starting to get back into it since I know my portfolio is now way out of what I had a few years ago. Annual re-balancing has not really happened (originally my plan was a random day of the year big re-balance, if needed).
Same same, for the most part. I guess some arbitrary restrictions, filters might be the best way to get things tractable enough to start visiting some places of interest.
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jennypenny
- Posts: 6910
- Joined: Sun Jul 03, 2011 2:20 pm
Re: Tyler9000's Journal
Dragline gave you/PC a nice shout out on the Catching up to FI podcast.
Re: Tyler9000's Journal
Ah -- so that's where the traffic bump came from! 
Thanks for the pointer! I always enjoy his perspective.
Thanks for the pointer! I always enjoy his perspective.