What I Spend

Where are you and where are you going?
Scott 2
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Joined: Sun Feb 12, 2012 10:34 pm

Re: What I Spend

Post by Scott 2 »

Mousse wrote:
Mon Nov 11, 2024 1:30 am
probably what drives a lot of the psychology behind the "One More Year" savings loop that many people find themselves stuck into?
For me, it comes down to anxiety over not having control. No amount of money will offer the certainty I want. Life doesn't work that way. But my brain continues to disagree. Taking an active role in getting money soothes it.

At least I can recognize the pattern and be more relaxed about it now. Early on, I was very concerned about having a fallback plan. I hadn't come to terms with those nerves yet. Now I can acknowledge it's a trade between some underlying mental discomfort or the opportunity cost of working.

In my case, I doubt the feeling ever goes away.

Scott 2
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Joined: Sun Feb 12, 2012 10:34 pm

Re: What I Spend

Post by Scott 2 »

ertyu wrote:
Mon Nov 11, 2024 4:15 am
Interested in hearing your thoughts, of course with the understanding that we're all sharing non-professional opinions and they're just that -- opinions and not investment advice.
I truthfully don't know.

Cash seems dangerous medium to long term. US Equities are sky high. Bonds are priced as though interest cuts will stall. If it's an everything bubble, what do you hold? Is there still a bubble?

I was convinced VTI was overpriced two years ago. It's been my best performing investment, despite that.

Let's say the US labor supply tightens, and import prices raise. Then what? How does it interplay with the coming innovation driven by AI. What about pulling back from the active foreign policy? How about people front loading spend in anticipation of tariffs?

Then what sort of rebound happens as those changes progress through the economy? Volatility is the only thing I really feel confident in.

I've settled on cashing for my yearly spend, then continuing to blindly follow my indexing plan. That had me trade a little of my US index fund for international. It's not that I think it's fabulous. I just lack nerves for anything more active. The stress would ruin my days.

I do let my US index fund dividends, in my brokerage accounts, cash out. That's a tiny deviation from plan. The extra contracting cash we aren't spending, went into bonds. But these are minimal percentages of net worth. Likely not meaningful.


Rewarding work remains a captivating answer, despite all the known pitfalls. Surgery precludes taking any actions over the next few months. But the 15-20 hour a week commitment felt ok.

Scott 2
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Re: What I Spend

Post by Scott 2 »

Completed annual budgeting today. We're far from ERE these days. Posting for transparency. 2024:

Code: Select all

2024				| Budget	
Category	Actual		| High		Low
-----------------------------------------------------------------
Total		$62,456.00	| $60,970.00	$53,321.00
Car		$1,363.00	| $2,687.00	$1,987.00
Discretionary	$11,723.00	| $10,807.00	$9,807.00
Groceries	$11,914.00	| $8,820.00	$7,938.00
Dental		$3,708.00	| $4,344.00	$3,844.00
Medical		$11,306.00	| $14,527.00	$13,391.00
Home		$12,128.00	| $8,743.00	$6,243.00
Pets		$1,001.00	| $1,714.00	$1,141.00
Taxes		$6,602.00	| $6,352.00	$6,054.00
Utilities	$2,711.00	| $2,976.00	$2,916.00
We were fortunate on the income side, so let a few categories go over. Gifts to family. Meal delivery service. Grocery delivery. A CSA share for 2025. New garage door. Housekeeper. A little extra travel. Primarily, we opted to buy back time, offsetting the opportunity cost of my contracting.

Medical expenses do NOT reflect my jaw surgery. That won't hit until next year. Modern healthcare is expensive, even when I work the system.

Hitting the low budget would have been viable. Dropping below that - we'd have to move. Our town home is paid off, but it carries a ~$10k/year premium over "sufficient" housing. Most of the taxes and utilities are housing driven as well.


In practice, 2025 is headed the opposite direction. We're taking advantage of high market valuations:

Code: Select all

2025 		| Budget		
Category	| High		Low
-----------------------------------------------------------------
Total		| $69,748.00	$60,020.00
Car		| $2,683.00	$1,983.00
Discretionary	| $17,074.00	$13,274.00
Groceries	| $10,800.00	$10,800.00
Dental		| $2,201.00	$1,701.00
Medical Husband	| $9,123.00	$6,298.00
Medical Wife	| $6,885.00	$6,735.00
Home		| $9,108.00	$8,108.00
Pets		| $1,714.00	$1,141.00
Taxes		| $6,808.00	$6,808.00
Utilities	| $3,352.00	$3,172.00
We'll continue gifting to family. My wife's planned a lifetime trip, via a lead yoga retreat. We'll do a local trip as well. We're considering a hitch bike rack, to make hitting regional trails easy. We may renew the CSA. The housekeeper is sticking around. We're each taking $5k of personal discretionary.


A few logistical points:

1. We've split groceries by person and will reconcile the over/under with our discretionary at year end. I like the option to allocate more food budget to eating out or meal delivery. I might even draw from my discretionary to supplement further. Down with cooking! We both enjoy a variety of premium foods and grocery delivery. Based on 2024 spend, more personal visibility is warranted.

2. We're splitting medical costs out by person, so I can more carefully analyze trade offs. Long term costs look extremely unstable. My premiums for 2025 are up by 25%, absent any forthcoming legislative challenges. The risk pool is clearly suffering from anti-selection. Before it prices me out, I'm going to investigate a surgical fix for my double vision.

3. We've discussed this is an unusually flush year, not the new normal. We're spending the median income for our area - absent any mortgage, income taxes or car loans. Dropping spend by 20% in 2026 would be unpleasant, but is entirely feasible. Given the ability to tap ERE principles, we are living large.

What we won't do, is drop this years spend due to market fluctuations. That's an unacceptable level of instability.



Non-financial planning is underway as well, but another time!

Scott 2
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Re: What I Spend

Post by Scott 2 »

Thought I'd update on the Linux adventures.

Ubuntu LTS is working great as the main home computer. My wife's cool with the Gnome desktop environment, and we've been able to find software as needed. Typically snaps are available, so we just pull from the app center. I'm very happy here. Everything is just working.


While winding down my old desktop, I tried:

Mint with the Cinnamon desktop environment. It was fine, but since we'd already learned gnome, it didn't stand out as better.

PopOS - An Ubuntu variant. Not bad, but abstracts away some stuff that's IMO easier to understand on Ubuntu. Absent hardware issues, why add the layer?

Gparted Live - I wanted to use Nwipe to securely erase a HDD. It did the job.


In an effort to consolidate my tech, I spent the better part of today trying to install Linux dual boot on my chromebook. It works, however there are a handful of manual steps required with every boot. Bypassing Google's security restrictions better requires taking it apart. I didn't want to risk the hardware. This scratched an itch, but I would have been far better off replacing the device. Anyway, I tried:


Fedora with Xfce - It is lightweight and runs well on the limited hardware. But ugh - doing everything manually is annoying. Picking apart the package manager nuance between when to use DNF vs. flatpak. Configuring external software repositories. Troubleshooting them. Setting up automatic software updates. Xfce feels like stepping back in time 20 years. For a daily driver, no thanks. I imagine Fedora with Gnome is better, but doesn't shake all the ideological constraints. Like the touch pad defaults "tap to click" to OFF! Annoying.

I can see how an enterprise environment might favor this degree of control, but I want those decisions abstracted away. This was my stepping stone towards Arch. I'm not motivated to keep going. Until I absolutely need the control or bleeding edge software, I don't see the reason.


Chrome OS itself is based upon Gentoo, though highly modified. It's truthfully the best experience for the hardware. With the weird keyboard and no right mouse button, I keep getting lost in Linux. I mean, technically you can right click, if you hover the mouse then press Shift+Volume Up (which is secretly F10). Yikes. Outside of that, fighting with the boot loader issues is a little crazy. I only paid $130 for my used Chromebook. Amusing, but I wouldn't buy another one.

Technically, when I turn on Crostini, it's using Debian in the container. That's probably the best option for playing with Linux on the Chromebook. Dipping in as little as absolutely necessary, using the device as designed.

PopOS also has community support around dual booting the Chromebook. If I choose to continue dual booting linux on it, there's a good chance I'll switch over. It might drag a little, but I think it'll simply work. Pop Shop looks acceptable. Guess that labels me as a noob. But the GUI is easy.


I will say - I've run into limits with Libre office. Sometimes working in Calc, my spreadsheet crashes. I'll have to pick a different way of solving the problem, because a feature is simply bugged. That's aggravating. Not so much that I'm running back to Microsoft, but it does not share the MS Office polish.


I also gave using the Android phone as a desktop another try. My Pixel 8a was updated to Android 15. There are improvements. I can get full display on the secondary monitor and run apps in windows. However, the monitor resolution is maxing out at HD. And there is some scaling issue, so my web browser and office apps run more at like 1440x800 resolution. Video does get the full HD, at least. I might be able to bypass the scaling with ADB, but I was concerned it'd impair using my phone as phone.

Some android apps have been updated to work well, recognizing the landscape desktop monitor. But others do not. And running a keyboard/mouse interface via Android is very quirky. I could use it all in a pinch, but it's definitely not prime time. There wasn't really a good IDE either. I even tried the VSCode Web IDE. It didn't really work for me.

It looks like they are investing further here for Android 16. It's not Samsung Dex, not yet. But change is coming. I'll have the Pixel 8a for a long time, so maybe its day to shine will arrive.

All that to say - surgery recovery still has me on activity restrictions.

Scott 2
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Re: What I Spend

Post by Scott 2 »

So after all that, I think I've settled on using my pixel 8a over the Chromebook. It's substantially more powerful. The camera is way better.

Overall, it's working well. I plug the phone into my monitor, approve the mirror screen prompt and shake the phone to landscape view. The keyboard and mouse attached to the monitor immediately connect. Then it's off to the races. Faster than booting the chrome book.

Using firefox, I even loaded a github codespace, deployed it, changed a file, saw the change, and comitted it. Replit as well. My therapist's telehealth seems to work too.


I spent an unreasonable amount of time learning the quirks of the docked mode. With the multi-window developer options enabled, it's doing the job. Keys:

1. The act of rotating the phone screen 90 degrees puts the mouse on the secondary monitor, after plugging it in. Dunno why, but I turned the setting on to let the home screen rotate. I can easily get my mouse, so I'm good. It admittedly won't go back to the phone until I unplug. I don't need it there.

2. Windows Key + Backspace acts like tapping the back button. With 3 button navigation on, there's also an invisible clickable button. It's about 1/3 of the way on the bottom nav of the screen.

3. Windows Key + Enter acts like tapping the home button, minimizing the windows. There's a similar invisible button, about halfway through the bottom nav.

4. Navigating via Alt + Tab moves whatever window you pick to the phone screen. Getting it back means opening the app again on the secondary screen. This can be useful, if say a password manger activates. Security pages won't show on secondary. You can alt tab to open it on the phone, type in the password, then open the calling app on secondary.

5. Once on the secondary screen, pinning apps to home from the tray puts them on the desktop

6. Once an app is maximized on the secondary screen, getting it into a window again, requires using the app switcher on the phone screen. Selecting the free form option restores it to a window. I tried hard and couldn't find a keyboard shortcut or physical mouse way of doing this.

7. Gboard has settings for a physical keyboard. The horizontal toolbar is needed, so password manager features are available. But auto correct needs to be off. The physical keyboard also needs to be set to use Gboard, not voice, as the keyboard.

8. Mouse tricks. The touchpoad pointer speed needs to be maxed out. Right click acts like a tap and hold, though in some apps, it simply doesn't work.

9. Font size on the phone needs to be at the smallest size, so content is reasonably sized.

10. Firefox as a browser seems to work with everything. It includes extensions (ie ghostery, ublock origin) Font does need to be adjusted in the acessibility settings, set to the smallest size. Otherwise it is way too zoomed in. Sometimes switching websites to desktop version helps too. DuckDuckGo has a better portal scaling, but blocks fuller featured sites from working. Chrome seemed alright, but who wants to use that.

11. Certain secure apps (password manager) will display only on the phone screen. If something grays out, alt tab to that app on the phone screen. Deal with the required input, then re-open the app on the secondary screen. Re-opening the app retains state.

12. Ctrl + middle mouse wheel can zoom google sheets to a very reasonable view. The phone resists openng the web version very strongly though. I saw hints that the opera browser might allow it, but I'm not that motivated.

13. Sometimes, enter creates a new line instead of submitting a form. The only option is to click the submit button. Looking at you ChatGPT.

14. My video cable is USB-C to USB-C. It came with the monitor. Output resolution appears locked at 1920x1080, with a pixel density of 1.333. Meaning an effective viewing window of ~1440 x 800. On this 27" monitor, that supports 2560 x 1440, that's kinda big. I tried hard and could not find a fix. I even dug into the manual for the monitor, switched it's usb port between 2.0 and 3.2, etc.

15. There's an app called secondscreen that promises the resolution answer, but the security ask it makes is too high, IMO. The answer might also be solvable using ADB to mess with DPI or other display settings. But I didn't find the motivation for all that. It seems likely to mess with how the phone works while mobile. And this is getting the job done.


Anyway funny after all that linux to land here. But 2 devices would be better than 3. So I'm going to see if it works. My 500 gigs of files are still locked into the linux desktop, and there's certain power apps Android doesn't offer. But I'm guessing 95% of what I do will be easy via docked phone. I'm glad I stuck it out. From what I was reading, GrapheneOS might handle this all fairly well too. I'm not going there though.

I think with some patience, I could find a satisfactory data sync solution. Privacy, cost, reliability, etc. The app constraint is a stronger consideration though. My wife's use as well. We just got her over to linux, LOL.

brainstorm
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Location: Midwest, USA

Re: What I Spend

Post by brainstorm »

I finally caught up on your journal! Thank you for sharing, Scott!

I found the discussions on your first time pulling the plug, and the ensuing mental and healthcare journey, particularly informative, as you may be able to guess from my journal post. And the autism-related discussions as well - I read Unmasking Autism on your suggestion in Axel's journal. Some things resonated much more than others, like flat affect / monotone voice but not sensitivity to many sounds or textures. Your clarity made it easy to identify some of those boundaries.

How is your surgery recovery coming along? It seemed that movement and cardio were good anchors for you - have you found any good substitutes under your activity restrictions?

Scott 2
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Re: What I Spend

Post by Scott 2 »

brainstorm wrote:
Tue Feb 04, 2025 5:31 pm
I finally caught up on your journal! Thank you for sharing, Scott!
Always humbled when someone takes the time. There's a lot here. I'm glad some of it was helpful.

I haven't spoken much on surgery, because the jury's still out. Recovery has been one of the most physically and mentally difficult experiences of my life. The benefits won't present for a couple more months. So, it's easy to take a negative frame. I do trust my care team. They are convinced I'll be delighted with the result. Since I'll never experience the other path, I can't fully understand what we prevented. That will impair my gratitude.

On the costs side - I'm tracking to ~$1500 out of pocket. Against a billing of ~$200k and insurance payout of ~$40k. It seems I navigated that correctly. I'm using the billing to help churn a credit card too. It's not the most efficient time use, but it feels like winning to me, lol.

Good observation on the impact of activity restriction. My anxiety was through the roof week 1. It was my worst post-surgery symptom. The pain meds and sleep deprivation took all cognitive tools offline. Nothing touched it. After discussion with my therapist, we agree a targeted med would have been warranted. However, I didn't appreciate the severity while it was happening. I often cannot see it, while I'm in it.

The surgeon allowed a low intensity rower week 2, with immediate relief. I dosed twice a day for 12 minutes, pulling just 60 watts. I've been building since. Physically, I'm back to 80-90%. My full activity schedule has returned, with normal intensity on everything but lifting. The face is a different story. Surgical hooks stay in for 12 weeks - causing a speech impediment and leaving me in ongoing sensory overload. I can't feel my lower lip, including when food falls out, so eating is a solitary activity.

I've directed the downtime into rebuilding my life system. It's already paid dividends. I'll eventually share here.

delay
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Re: What I Spend

Post by delay »

Scott 2 wrote:
Thu Feb 06, 2025 8:33 am
On the costs side - I'm tracking to ~$1500 out of pocket. Against a billing of ~$200k and insurance payout of ~$40k.
Thanks for your journal update! All I do at a hospital is identify myself and the medical-insurance complex works out the rest. What do you think of explaining "out of pocket", "billing" and "insurance payout" for Europeans?

Sorry to hear about your lower lip and my wishes for the best possible recovery.

Scott 2
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Re: What I Spend

Post by Scott 2 »

delay wrote:
Thu Feb 06, 2025 9:52 am
What do you think of explaining "out of pocket", "billing" and "insurance payout" for Europeans?
Out of pocket - What I actually paid, beyond my monthly health insurance costs. My max out of pocket for the year was ~$3k, but I made a point to do a lot of medical stuff this year. So I'd already spent half of that. I knew the surgery was coming, and I was going to hit that limit no matter what.

Billing - Providers bill insurance astronomical sums, to see what sticks. It's often 5-10x what they'll actually get paid. If you want to buy medical care without insurance, these are the prices you'll also be billed. While potentially negotiable, it acts as a form of market capture for the insurance companies. Functioning without health insurance in the US, means being priced out from most care providers.

Insurance payout - When using insurance, it's essential to pick providers in network with your insurance plan. The in-network agreement means insurance makes the final determination on what things cost. This becomes the price. I cannot be billed for the balance. When I pick my plan for the year, I must ensure my doctors will be in-network. Out of network doctors will chase those inflated sums. Yet, insurance is only obligated to pay their in-network price, leaving the patient to pay any out of network balance.


Suffice to say, the complexity is a subtle form of care rationing. While the insurer eventually provides a need based decision, that's only after passing the initial maze of complexity. Since, I'm good navigating a system, it probably works in my favor. It's not equitable. Many in the US need care more urgently than the treatment I received. But that's not how the US system works.

delay
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Re: What I Spend

Post by delay »

Thanks, nice to learn how that works! Now that I read your explanation, I think we also have in and out of network today. We are probably moving in your direction.

NewBlood
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Re: What I Spend

Post by NewBlood »

Best wishes on the recovery Scott2!

Scott 2
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Joined: Sun Feb 12, 2012 10:34 pm

Re: What I Spend

Post by Scott 2 »

Thanks, less than three weeks until the surgical hooks might come out. Counting the days.


Did taxes yesterday and saw the impact of contracting. Some things just aren't fair. I was paying attention and made a couple thousand off of them:

1. The health insurance premium subsidy has to be paid back, if you earn more then expected. Makes sense. Only the amount of payback is capped. So there was $1300 I arbitrarily got to keep.

2. As a contractor, you're supposed to submit quarterly estimated taxes. I didn't feel like it, decided I'll just pay the penalty. Turns out it's $8, on a five figure tax bill. Last year's tax liability caps this year's penalty. Obviously I'm not paying that until 4/15.

3. Between my solo 401k, ira and spousal ira - 50% of the contracting went into tax advantaged accounts. After the standard deduction, my taxable income is quite low. I could bemoan a crazy high tax rate against my AGI.

The true rate is about 20%. Not bad.


And yet, when I look at the percentage bump in net worth, I have to question the financial wisdom. About 3%. In no way is that adjustment to withdrawals life changing. The number swings by that much all the time.

A good reminder that work must offer more than money. In this case it did, but not every option I've considered has. The old rules no longer apply.

Scott 2
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Re: What I Spend

Post by Scott 2 »

Jaw surgery stripped my life back to the foundation. I've had several months to rebuild. Invest into my time and energy, as I previously did my finances. My transition to a systems based lifestyle has catalyzed. I've initiated the move into WL6, though perhaps not ERE aligned.

I worked my media queue from 500 items to 40. There's been a consolidation of mindset, covering a wide breadth of topics. Everything that's caught my interest since retirement, and much before. Several ideas resonated. Rather than mire in theory, I'll note key books:


1. Algorithms to Live By - Especially discussions around caching and explore vs. exploit

2. Felt Time: The Psychology of How We Perceive Time - Event time vs. clock time. Some events dilate time in our retrospective memory. Constant rushing removes space for subjective observation, effectively erasing the self. Unrelated - allowing for multiplicity and duality of time.

3. Saving Time - Tayloristic time permeates western society, hiding other viable frames. Meta - using a mental frame constrains one to the associated bounds, further reinforcing it. Plato's cave restated.

4. Goodbye Things - Excessive accumulation repeats fractally in my life - physically, digitally, mentally. Minimalism hits at the essence. I want more, demanding greater capacity, forcing an escalating productivity chase. The race condition overwhelms. A new pattern is required.

5. Deep Response - Especially contrasted with The Day the World Stops Shopping. Unpacking Jevons paradox - the critical fault in frugality. The shift from optimized consumption to a systems driven lifestyle. Transition between Wheaton Levels 5 and 6. Finding a new frame (post consumer) vs leveraging existing (anti-consumer).


So what actions did I take? I'll share that next. Full disclosure - I don't know the result. Likely a feature.

Scott 2
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Re: What I Spend

Post by Scott 2 »

Turns out I'm not all that excited to unpack my actions. In short - I massively constrained the space I personally use within the house, stripping down what I own considerably. It approximates downsizing the home, at least in terms of mental overhead. Moving's not on the table, for reasons.

Then I did the same in terms of my digital organization. Consolidating the list of what I do, as well as what I want to do. That's still under refinement. In general - what's needed is a strong narrowing of focus, trimming many aspirational ideas. Do less, but intensify on what I care most about.

The net effect, has been work around managing energy within our household. Similar to the transition around actively managing money as a couple. Since that's a two person journey, it's hard and slow. Areas of disconnect are rooted out. Addressing them head on is painful, but likely offers the greatest dividends.

Further complicating matters - my mental health work over the last year has been effective. Ergo - I'm bringing a significantly higher level of intensity to everything I do. But that doesn't mean others involved are prepared to receive the intensity. So I'm learning how to direct things and navigate that transition. Time for growth for sure.


Gonna center the journal on random events moving forward, since creating a cohesive narrative exceeds my motivations.

mooretrees
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Re: What I Spend

Post by mooretrees »

Wow, what a juicy update! Whenever you are ready to delve into the details I’d like to read about it. Sounds like a lot is going on and it’s an exciting/challenging time.

Scott 2
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Re: What I Spend

Post by Scott 2 »

mooretrees wrote:
Tue Apr 01, 2025 12:11 pm
Wow, what a juicy update! Whenever you are ready to delve into the details I’d like to read about it. Sounds like a lot is going on and it’s an exciting/challenging time.
@moretrees - here's the low effort, non-concise version. Starting with the house:


Our home is a two story townhouse. 1600 square feet, full basement, 2 car garage, close to nature, but virtually zero walk score and low bike score. We're approaching 20 years here and live less than 10 miles from where we grew up. Most family does as well.

My optimal is probably a 2 bedroom sub-1000 square foot single story condo. Walking distance to groceries and the gym. The rare ride share, instead of owning a car.

I fill space like a goldfish. I'm very good at imagining uses for things, so they are always "still good". I'm also prone to both scattered attention and hyper fixation. So I'll get into something, buy the things, then wander off. Topping that, once I put something behind a closed door, it's "gone forvever". My free recall memory is terrible.

We anchor in the house since it's close to my wife's optimal. Staying close to family, coupled with a high value on both nature and privacy, highly constrains our options. Most nature is surrounded by half a million dollar plus McMansions.

So with the house, I've doubled down on simulating my optimal. It's two prongs:

1. Shamelessly outsource work demanded by the bigger space. Either we can afford it, or not. Carrying the DIY overhead is not on me. We can, btw. While downsizing would be cheaper, it's not a money issue. This isn't entirely new. I've never decorated, or even contributed positively to selecting our furniture. I simply don't care. Only now we don't even pretend I care.

2. Act as if I live in the smaller space. Other than the home gym, I took all personal affects out of the basement. On the first floor, I'm using two shelves and a couple coat hooks. In the kitchen, we dedicated about 1/3 of the cabinet space as "not me".

The effect was to massively consolidate space for my possessions, which then forced me to process them. The reality is I owned very few things I value. The bulk of it was empty boxes, hobbies left behind, idealized selves I never pursued, etc.

Now my life could easily fit into that optimal space, probably even less. A few hundred square feet. For the way my brain works, that's a huge relief. I have to organize as though running out of necessities is a victory.

The change also makes my wife's ownership over the remainder much more intentional. Instead of me stowing trash in the ktichen, she has a tall cabinet dedicated to her stuff. She owns whatever is in the foyer bench or hall closet. I don't know or care. She doesn't have to fight my ADHD.




Moving on to my digital life and our time... I did the exact same things. While I use a digital organizer, over the years it'd grown to reflect the pattern above. I stripped it down, consolidating with a very similar strategy. There's now one set of lists:

Stuff I do daily (habits)
Stuff I do regularly
Stuff I'd like to do
Media

I'm working on closing out that media list. Each bullet is a specific task, instead of nested trees of lists. I'm working to prune the list regularly and limit work in progress.


Where this intersects with my wife, is in maintaining a shared household calendar. We've checked in weekly for a long time, but it's been relatively ad hoc. Now we've added a monthly check-in, with longer term planning. I took on the effort of building a joint Google Calendar as well. With much cajoling, she's adopted it. We are visualizing our time.

We're proactively planning things, looking at conflicts, reconsidering "must-do" obligations, etc. This surfaces a lot of underlying assumptions and stress points around energy allocation. IE - see bullet 1 above about me not owning the bigger space. It's very similar to when we started managing money together, upon my retirement.

It's further complicated by 2 factors:

1. One aspect of my demand avoidance, is wanting to jump on a problem and solve it ASAP. Not because I care, but to make it go away, so there's no demand. I do that to my wife's life, even when it is not asked for, or even worse, NOT wanted.

2. My mental health work has been effective. My energy and intensity have never been higher. I have much better control over my anxiety and focus. Some of that's the miracle of an ADHD brain plus stimulant. Some of it is the broad toolset I've learned. But, my wife didn't magically recover from her health condition. And I have a really hard time imagining anyone can feel anything differently than I do. So I accidentally overwhelm her energy, drain it to zero, then rush off for my next thing.

As you might imagine, those two combine in some very disruptive ways. We're working through it. The crux is looking like a discussion around energy slots in her day. Let's say she gets a high and a low, or two mediums. That's only 14 in a week. We need to be judicious in allocating and protecting those.

Once our household executive function is better sorted, I expect my energy will need another outlet. My suspicion is I'll favor very constrained targets. Go all in on X, opposed to letting my attention wander everywhere. The latter is my default. I think I can benefit from acting opposite.


Anyway, that's the essence of what I haven't made time to consolidate. It unfolded in several steps over the last few months, and my brain is already distracted by the next one.

Scott 2
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Re: What I Spend

Post by Scott 2 »

One of the new experiments is retooling my digital supports. Last year I leaned in. First I maximized my Garmin. Then I added a modern phone and earbuds. I even tried subscription AI. Much of that stuck around. The Garmin plus digital organizer especially. It's like an extension of my brain. But the Garmin is old tech - a Forerunner 55 I got free with insurance points.

So this week I ordered a Galaxy Watch 7 off ebay. I'd been eying the Garmin Venu 3, but was put off by their recent move to a subscription model. Instead, for $130, I'm giving Wear OS a try. The feature set is clearly much fuller. Time will tell if that's good or bad. At the very least, sleep tracking is much better.

My hope is moving things I do on my phone, to things I do on my wrist, will reduce the intensity of distraction. I've been playing with the Hevy app for lifting, for instance. Of course I end up browsing the internet between sets. It's right there. Or picking the perfect song... Well maybe the watch will help. Or maybe not. The financial gamble is small, and I always enjoy learning a new computer.


Incidentally - the experiment with docking my phone to a monitor, did pay off. I'm using the setup currently. I've even done my therapy via telehealth with it. While it's not my primary solution, it's a great secondary setup. I still use the Ubuntu PC, primarily for spreadsheet work and long conference calls. I still need to dispose of the Chromebook, but it's pretty clear even with linux installed, that device lost traction.


I've also been lightly considering a "net zero" year of discretionary spending. Coming off last year's contracting, it's been easy to qualify for business credit cards. I'm churning the second sign up bonus now. Maybe I can use them to offset all my "fun" consumption. Dunno if that's a sure direction or a passing interest, but my list of wants has dwindled. I attribute it to understanding Jevons paradox. I'm primarily constrained by time and energy. I'm also not thrilled with current US economic policy, so even a mild reduction in my participation, holds appeal.


I did clean and lube my bikes last weekend. Only one ride since then though. It remains to be seen if they can play a great role in life. Certainly driving less would lightly stick it to the man. But it's sooo much easier to take a 10 minute climate controlled drive. I either need to use them, or get rid of one. Maintaining two bikes feels dumb. I don't even like doing it.

Scott 2
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Re: What I Spend

Post by Scott 2 »

The Hevy app, on my wrist, offers meaningful change. Automatically following the plan, logging performance and perceived exertion, keeps my brain on task. Much better than grabbing the phone. That has me happy with the new watch.

I'm still touching the phone for music, but will experiment with getting away from that. If I go my entire gym time without handling the phone anymore, that's huge.


One watch feature I was coveting, has proven underwhelming - NFC. Implementation is inferior to my imagination. I can't tap my wrist to access the gym, only phones are supported. Tapping to equipment only starts the watch activity and syncs heart rate. I'd hoped for login to the consoles, plus automatic application of display settings.

Tap to pay only works if my phone is on my person. At which point, I can use the phone. Enabling the feature requires a pin or pattern lock on the watch too. Pretty annoying. If the watch had LTE, I could get it a cell phone plan, and then tap to pay without a phone. But that's simply not worth it.


Fitness tracking also seems more trouble than it's worth. Samsung health tries to offer a comprehensive, highly configurable solution. The complexity is annoying. I don't bother with daily step goals, floors, inactive hours, badges, automatic activity tracking, or any of that. So far, I prefer Garmin's approach here. But disabling / ignoring it is fine.

Other than logging my lifts, I really only care about zone 2 minutes. And I already know what they are


The Garmin venu 3 probably would have been equally effective. Maybe my perspective changes, but I doubt it. But this watch was cheaper and now I won't wonder.

delay
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Re: What I Spend

Post by delay »

Scott 2 wrote:
Sat Apr 05, 2025 3:29 pm
Tap to pay only works if my phone is on my person
Shouldn't need the phone! I remember using NFC on my Garmin watch during runs when my phone was at home (this was back in 2019.). You can even have a ring or something with just an NFC chip, and you can pay with that.

Once one or more cards have been added to Apple Pay on your Apple Watch it can be used entirely independently of your iPhone.

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Re: What I Spend

Post by jacob »

Scott 2 wrote:
Sat Apr 05, 2025 3:29 pm
Tap to pay only works if my phone is on my person. At which point, I can use the phone. Enabling the feature requires a pin or pattern lock on the watch too. Pretty annoying. If the watch had LTE, I could get it a cell phone plan, and then tap to pay without a phone. But that's simply not worth it.
Now if only some entrepreneur could come up with something like a piece of paper or metal that was stamped in a way that was hard to fake. Insofar they were made reasonably small, one could easily carry them in a kind of bag or a even in their pocket. Then payment could proceed by simply handing over those pieces of paper or metals in exchange for goods. The recipient could similarly reuse the very same paper or metal to pay the next person and so on. It's almost genius in its simplicity. I wonder why we don't have anything like that?!

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