bikelang · HackerLangs

8 godzin temudiscuss

I really appreciate companies that are transparent with renewals. I’m sure it cuts down on customer support load a lot too. Kagi goes as far as not billing you if you don’t use their service in the prior month. I was pretty shocked the first time I got that email. Made me a customer for life.

bikelang

8 dni temudiscuss

I would love to buy a Rivian R2 but I will absolutely not drop that kind of money until they support CarPlay. To me - a refusal to support CarPlay is an extremely user-hostile decision.

bikelang

20 dni temudiscuss

Arguing that success is purely about the ultra high numbers seems to miss the forest for the trees. Is HN a failure because it did not reach the level of DAU as Reddit? The quality of discussion and community here is certainly substantially higher. I feel the same about Mastodon and Bsky vs Twitter. I’ll take community I actually want to engage with over sheer numbers any day.

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w zeszłym miesiącudiscuss

On the contrary - forced retirement may be a healthy prophylactic to those suffering from wealth addiction.

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w zeszłym miesiącudiscuss

OpenAI’s models could be materially better than Anthropic’s and I still wouldn’t use them because I don’t want to support Altman.

bikelang

2 miesiące temudiscuss

My wife already has her green card through our marriage - but it expired under the Biden admin and we were given a 4 year “non-renewal extension” because USCIS was unable to process its renewal in time due to the post-COVID backlog. We’ve got about a year left on that extension and are absolutely terrified we are going to be forced to uproot our entire life by this evil administration and its pointlessly cruel policies.

bikelang

2 miesiące temudiscuss

Wow - actually pretty astonishing how fast their inference is. So fast it feels fake?

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2 miesiące temudiscuss

Why RHEL and not just Fedora? Or if you value stability - then maybe Ubuntu or one of its derivatives like Pop_OS?

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2 miesiące temudiscuss

Huge congratulations to the Zed team!

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2 miesiące temudiscuss

I feel like people who loved writing software before ai Armageddon referred to our practice as a craft and themselves as craftsman. I think I still prefer that term.

bikelang

2 miesiące temudiscuss

And then there’s those of us that loved writing software and loathe what AI has reduced it to.

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3 miesiące temudiscuss

I would really recommend playing around with Canadian specific financial planning and retirement calculators. Maybe the Canadian system is totally fucked - I don’t know. But your inclinations are a very common misconception about 401k’s in the US and I suspect this holds true in Canada too.

A few things to note:

* In the US at least - you invest your 401k in whatever funds you want. Mine are a mix of S&P500 and Total Market.

* 7-8% is the average inflation-adjusted return of the S&P500 over its history and is general figure you’ll see used in retirement planning discussions

There’s a huge wealth of resources out there on this topic. Look up Canadian specific “FIRE” guidance (Financially Independent Retired Early). I don’t know enough (or anything!) about Canada to really engage on this - but I’ve done pretty extensive planning both myself and with my financial advisor on my own early retirement objectives. For me - the math massively works out in favor of a 401k over non-tax advantaged accounts. I personally have a mix of Traditional (pre-tax), ROTH (post-tax), and non-tax advantaged accounts (because I save more than I am allowed to stuff into tax advantaged accounts per year).

bikelang

3 miesiące temudiscuss

Idk about Canada - but in the US most people are going to be in a lower tax bracket in retirement (sometimes substantially lower). Is that not the case in Canada? You only pay your marginal tax rate on what you withdraw.

For example - if my wife and I max out our 401k’s - that’s about 50k we are deferring taxes on. If our pre-tax household income is 300k - then that 50k would have been taxed at 24% marginal rate.

In a year of retirement - let’s say we withdrawal that 50k but now it’s doubled (probably more than that since it only takes 9 years to double at 8% annual growth via compound interest). Now we pay 12% and end up with 88k. (Technically we’d have more than that because of the 24k standard deduction - but we’ll ignore that for the sake of simplicity)

Let’s take the non-tax advantaged comparison. We’d have paid 24% up front and invested 38k. It doubles to 76k. We’d pay 0% capital gains - but even then we end up with less investment income.

bikelang

3 miesiące temudiscuss

If you’re the kind of saver that’s on target for an early retirement thru high retirement savings then you should have a pretty good idea of what your annual expenses are. Throw in a buffer + known liabilities (roof needs replacing, aging car, health issues, etc).

There’s a few methods here - and it’s going to depend on your mix of retirement accounts (ROTH vs Trad vs HSA vs non-tax advantaged). There’s lots of tools to help plan scenarios - I particularly like ProjectionLab. I would also recommend hiring a professional that can assist in the planning and especially taxes during early retirement.

For SEPP 72T you need to make similar withdrawals every year for at least 5 years or until you hit 59.5 of age. My plan is a mix of SEPP 72T + non-tax advantaged accounts for 5 years. During those 5 years I will also be making ROTH conversions from my Trad accounts. Once the 5 years are up - I will continue my ROTH conversions but can finally start withdrawing the money I converted 5 years ago (this is a ROTH conversion ladder).

I was a bit of a late bloomer and spent my 20s working my way into tech - so I won’t retire at 45 - but am on target for 50ish.

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3 miesiące temudiscuss

Totally agree - it’s not at all the same. White boarding and the camaraderie you build in person are the things I miss. Thankfully my team still gets together for a week once a quarter. I think that’s an pretty ok balance.

bikelang

3 miesiące temudiscuss

It takes planning but you can get your money out early via SEPP 72t disbursements and Roth conversion ladders. You can also just straight up pay the early withdrawal penalty. Depending on your effective tax brackets pre/post retirement - you may very well still come out ahead compared to a non-tax advantaged account.

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3 miesiące temudiscuss

Kind of crazy the negative feedback you’re getting from this. This is extremely valuable guidance for a fresh college grad into a good paying job.

bikelang

3 miesiące temudiscuss

I got a 25 - apparently just because my robots.txt addresses AI bots (by telling them to sod off via disallow: /)

bikelang

3 miesiące temudiscuss

Could you elaborate a bit more on this? Curious what your workflow looks like. Is this multiple agents running on the same feature/refactor/whatever unit of work? For concurrent but divergent work I just use a git worktree per feature. And I think I only ever have a single agent (with whatever subagents it spins up) per unit of work.

bikelang

3 miesiące temudiscuss

Thanks for explaining that. Having a bit of a (dim) lightbulb moment now. I’ve never used Gerrit - just GitHub and GitLab and Forgejo. So I assumed the PR/MR model was more or less universal. But if smaller development commits are being squashed into the shippable/reviewable unit - then the focus on commits makes a lot more sense.

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