Readit NewsI spent half a day playing with https://regexone.com and got the fundamentals in place, after that it’s been practice in solving tasks at work. Rubular is awesome if you’re looking to test out a pattern
Does anyone know if there is a solution like this that works well with a monitor that has a webcam on top (e.g.: Dell U3224kba)?
I don't think it will work for a monitor like that due to the rounded webcam, it needs a flat surface to clamp to. I think it would work with the more integrated style of webcam monitor like the LG 27MD5KL-B.
For my setup I have an external webcam sitting on top of the light bar.
I bought a BenQ desk lamp that sits on my monitor a few years back and have loved it since. Lights up my whole desk evenly and is out of the way. https://www.benq.com/en-us/lighting/monitor-light/screenbar-...
sbolt commented on Ask HN: How do you structure your shared finances with your spouse/partner · Posted by u/sbolt
It doesn't really matter how you do it as much as how you talk about it. Like most aspects of a healthy relationship, communication is key.
State law is really important if the relationship fails and you need to split commingled assets. If that's something you're worried about you should speak to an attorney.
To directly answer your question, we both direct deposit into a joint checking account. We spend on cash back credit cards that are auto paid out of the joint checking account each month. Mortgage and car note are out of the joint account. We both maintain access to small spending personal accounts/cards on the side for gifts and misc. stuff we don't want to discuss.
When the checking account gets over our healthy buffer of ~2-3 months spending, we sweep the extra to a taxable brokerage account and invest it in index funds.
We "pay ourselves first" with prediscussed, significant, automatic contributions to retirement savings, college funds for kids, or any key milestones like down payments or big vacations. that way any money that stays in the checking account or misc accounts are relatively guilt free and discretionary.
Of all of the things that I mentioned, contributing to retirement and big milestones before we can "touch" the money has been the most important for our peace of mind. we don't fight over money because we've already aligned on the big stuff.
Thank you for the thoughtful reply.
Paying the large, important items first is a great idea. I like the idea of having some discretionary money that can be spent guilt-free as the main things are covered.
sbolt commented on Ask HN: How do you structure your shared finances with your spouse/partner · Posted by u/sbolt
We're in a pretty different circumstance so this probably won't be useful, but in our case, my wife has a bank account and I don't. Our belief as fundamentalist Christians is that I as the man have final authority in the family, including over financial matters. I'm also the sole earner, but that wasn't always the case.
We have very little money but it's my sacred duty to always think of how I can care for the family as best as possible, and we've been very comfortable (even when we had basically no money). I've found that when I surrender to God's power, things always turn out for the best. Even in times where it seemed to be a terrible idea, he always had something planned.
Whereas when I stubbornly insist on myself, everything se fracasa bien feo. So I guess my financial strategy is to dissipate my ego and melt into Christ's mind. God is so cool.
Good luck OP, I hope your country's election goes well for you guys!
Thanks for sharing your approach!
sbolt commented on Ask HN: How do you structure your shared finances with your spouse/partner · Posted by u/sbolt
Congratulations!
Finances are a common source of strife in marriages. Getting and staying on the same page is critical. Communicate about finances openly and often. Budget together. Review the budget together regularly. It sounds like you are already starting this. That is a good sign. Never stop.
As far as your specific question: I'd recommend joint for day to day and emergency fund. While its simpler, the main reason is mental: its not my money and your money, its our money. We do keep investments separate, but its still "ours".
That is just a recommendation though. Its more important that you both talk about and agree on your approach.
Thank you!
I appreciate the advice. I am a firm believer in structuring things to encourage the desired mental load.
sbolt commented on Ask HN: How do you structure your shared finances with your spouse/partner · Posted by u/sbolt
Are you planning to have kids? Do you and your fiancé make similar levels of income? Do you have similar spend patterns (i.e. thrifty, spendeasy, etc)?
The answers to those questions will change the advice. Having kids or having disparate levels of income point toward a joint account, whereas different spend patterns point toward separate. There's no easy formula though.
Thanks for your reply!
Yes we are planning to have a family at some point. We make similar levels of income and are both pretty thrifty. I would say we’re very aligned on our goals and habits in this regard but we’re figuring out the best way to structure things.
Until now I’ve spent a lot of my focus chasing credentials, even if I didn’t really realize that.
For example, having good schools, companies, etc (YC even!) on the resume.
All of that served me well, but I think now it’s important to switch to harvesting some of the fruits of that labor and deciding what I inherently want to pursue.
I get joy out of a bunch of things; spending time with my family, running a business, even learning and listening to my favorite podcasts. I’m much more focused on doing things that bring me joy now, and the choices I make are in service of that.
A few things I read last year that were influential for me:
Obituary for a Quiet Life (relatively short): https://bittersoutherner.com/feature/2023/obituary-for-a-qui...
Greenlights by Matthew McConaughey
The Comfort Crisis by Michael Easter
My tl;dr is really just the pursuit of love, joy, good health, and good money.