Second this. Put off trying it for years because "why not just use a GUI" if I'm going to leave the console anyway. Turns out lazygit is kind of a happy middle ground and using it actually feels better than it looks.
I've been liking Explainable Boosting Machines lately (kind of a cross between a GAM and a tree). They also have decision trees. Haven't tested them in production yet but they're pretty to look at.
Seconding Obsidian for notes. Really happy with the editor, it's got nice formatting and all notes synced on desktop/laptop/phone. I just use their paid syncing though. I also ignore all the graph and mindmapping stuff.
With higher interest rates, I stopped paying the full balance and instead try squeezing a little extra interest out of the money (I buy USFR, which is giving around 5.3% right now). I still pay the statement balance of course.