Preface: Sorry if this isn't the place, and if I'm cagey on some specifics. Also sorry for the length, this turned out a lot longer than I anticipated.

My partner and I have been together for nearly 8 years at this point. This was my first serious, long-term committed relationship; every other one I'd had was short-lived (<3 months) and I hadn't exactly had a lot of them. Maybe this is why I was blind to the cracks until things got unavoidable.

It started off strong and passionate of course, and things moved rather quickly. We (they, I'm not on the title) bought a house and we were expecting a child within a year. I should have kept things slower, thought with my head instead of blindly following my heart. I'd been very lonely for a very long time. I was happy those first few years, even if in hindsight the cracks were beginning to show. Even before baby came along, intimacy fell off a cliff. I had many talks about this with them, which led nowhere much really. The rest of the relationship still felt solid to me though. I pressed on.

In the beginning, they had a better job than I did. I earned far less. Luckily an opportunity came up for me to finish my schooling and further my career, and I put a lot of work into achieving just that. Now things have changed with that, and I feel like we could be doing well together... If it weren't for the financial instability I feel they bring. I'd never been great with money, but my partner's father took me under his wing and taught me a lot of financial literacy. I became adept at putting together spreadsheets and managing our finances. Our first major crisis we overcame together through being very fiscally conservative and digging our way out. We also had several windfalls that helped us out. Then... another crisis, again because of overspending on their end. We pulled from our IRAs in order to stay afloat, with promises to do better. Then... another crisis. Again. Same reasons. We put together a loan against the home's equity. More promises.

We are again heading to a crisis. We are out of windfalls and options and frankly I'm exhausted.

Finally, parenting and housekeeping. I've always loved how my partner cares so much for their children (from a prior relationship) as well as ours. They have a way of making magical moments which I envy. This is contrasted by their complete inability to parent effectively. There's no consequences, no expectations, no boundaries, and it's infuriating. Initially it wasn't quite that bad, and I felt I had equal say in parenting. Over the years, that's eroded to my partner viewing me as authoritarian and domineering. The kids know they'll get their way with them so why would they ever come to me first?

Maybe it was the extra time during COVID but they also put more effort into housekeeping early on as well. Now I feel it mostly falls on my shoulders, and my will to clean and keep up is murdered by the fact that within hours it's a mess again. It isn't helped by the fact that my partner is a hoarder. I have to gut things from the house in secret. I haven't seen the corners of my walls in ages. I spent a week while they were away cleaning the home top to bottom last year. Within a day it looked like a bomb went off.

These are all things I've tried discussing with them, multiple times, over the years. I mostly get brushed off, or (what I feel now are) empty promises. Most infuriating to me is "I don't know what you want me to say." I want you to say what's in your heart, what you feel! Don't tell me something you think I want to hear, be honest.

I feel I know where this is going, I don't want to fall in the same trap I see many couples are in where it's clearly over and yet they keep moving along. We're not married, a clean break is reasonable, I know my partner can be mature about things because their relationship with their ex is amazingly calm and chill.

I'm terrified in a way of being alone again.

I don't really know where to turn for more perspective. I've already talked with my sister, and a close co-worker who is going through some of the same feelings I am. Those conversations have been very helpful. Recently, what really put things in stark contrast was the other day when my partner's father asked "So is everything ok between you two?" If he went out and asked, it means it's really obvious things are not ok.

I've been fantasizing a lot lately about what a split would be like. Making plans for where to go, and figuring out how to reconcile things like accounts, items, and debts. Worst of all I've been fantasizing about being with other people; the intimacy and passions has been gone between us for a long time. The last time my partner initiated anything between us was a year ago, and I don't even remember the time before that. Everything feels so wrong and unsatisfactory.

I told them yesterday we need a frank talk, and not through text this time - their preferred method of communication with me for a while now... But I have no idea when we even have time for that away from the kids.

Closing thought: I don't want to feel like I've pre-determined my outcome here. I feel I've done what I can though, to make my own feelings clear. Thank you for any thoughts.

A few months ago, my credit card number was used in a few unauthorized transactions. The charges were reversed, and I got a new card, so overall, no big deal. But I am curious as to how the thief actually got their hands on my information.

Are there any lookup tools for leaked credit cards, similar to Have I Been Pwned, that might tell me how my credit card number was exposed? Since my card has already been cancelled, I don't even mind typing the number into a somewhat sketchy site.

For the past several years I’ve been knee deep involved in Ukraine and as several people on Tildes know, a lot of my earliest days were spent donating, tens of thousands. All in all I’ve donated enough to nearly bankrupt myself when my situation changed.

As I got more involved (and now I’m an active investor in the sector), I want to share something I’ve learned since that I wish someone had told me when I started:

Every dollar you have that you want to put to work can, on average, be 10x’d by the time you put it in.

That means if you want to donate 10k, you may well be able to end up putting 100k to work towards your goal.

You may have seen this take the form of donation matching — some fame seekers sometimes do it (I’ll donate 10 dollars for every dollar you donate), but this isn’t necessarily what I mean.

Speaking on an investment side: on average, 10% “skin in the game” makes it very easy to get the remaining 90% as long as there is a net positive outcome possible. So by positioning your donation as your skin in the game to a larger fundraise, you set yourself up for multiplying your impact by ten.

What’s more: let’s say you don’t want to donate 10k in bulk but you have a good job that allows you to set aside 1k usd per month. You want to donate half of that (500 usd). This means per year you can donate 6k usd.
Are you able to take a two year engagement? Congratulations, that means you are donating 12k and can now raise for 120k with 10% skin in the game (as long as the money isn’t needed faster than at the rate it can be committed).

I had this discussion with an acquaintance who has been in finance for a long time and got a very good job. She was trying to figure out how to “invest” 40k per year, that would otherwise be lost to taxes. On a 7 year engagement she has now setup a 10M climate fund (around 2% SITG which is standard for funds).

I was floored she didn’t know this. I figured the reason I didn’t was because I didn’t study economics, but it seems so fundamental that I want more people to be aware that this is a thing.

Hello. I usually talk about trains, except today, I just want to vent on my finances and my wishes for a less expensive world.

I have found myself in financial straits,as I had amassed debt last year, lost work for months and amassed more debt. It’s in the low tens of thousands. of course I also lost my healthcare because I live in a rich country run by morally destitute anti-intellectuals.

On paper, I will pay off the debt in 18-24 months, if god allows. I have work now.

This city’s transit system has been hobbled in bad faith and will be destroyed come January….Fares have already risen, service cut. My train to work will be cut because the state refuses to provide services for its most productive citizens. It is twice as long by bus, suicide by bicycle on roads built for tanks, so I will have to sacrifice time or life.

It seems the price of electricity has increased. I would generate my own, but it is impractical.

Sadly my possessions are breaking too. This is the way of things, it’s just miserable timing, and each discovery of a failing mechanism or dilapidated object piles onto the defeat. The window frame has rotted and the glass fallen -- the house is frozen. Not a single plant survives. (The landlord will fix it, but not hurriedly…..) Bulbs burnt out, rooms dark. My bicycle needs new brakes, a new chain, my helmet has been destroyed and should be replaced, but for now I have been riding without. The computer has broken after 14 years, admittedly about time…. An expensive thing to replace, so now I only have my phone, whose battery has degraded quite a lot and will not be usable for too much longer, and a small laptop on death’s door too. I had worn my single pair of walking shoes for 5 years until, yesterday, the sole fell off. (Thankfully, I have one more, but it is formal and uncomfortable) A new pair is more costly than I remember… I know a cheap one will disintegrate in a season and do nothing for the snow, and a quality one is beyond financial prudence. My jacket is worn and torn by years and embers, beyond my ability to sew, and I must darn and darn and darn all the socks and gloves with holes, which I hate to do, and i am not good at. The denim jeans are ripped, in a place difficult to patch, and the pockets torn. I cannot bear the cold the same anymore, so I also need an overcoat, which I cannot afford. The fitted sheets are inexplicably torn by some punitive act of god, probably irreparably. The pillows are compressed, worthless, and causing me pain. Even the tent, which I might use to regain some sanity in the woods, has had its elastic poles dried solid and is basically unusable. At least I have a few books.

My lifestyle is structurally cheap. Affordable city, relatively low rent, multiple housemates, no car, only occasional commute, no dog, no wife, no children. Not too much to pay for. I eat simply. I am content with it.

Yet somehow I find myself with hundreds of dollars of credit card purchases this month, more than an entire paycheck, and last was also more. Qualifying for a healthcare plan has reduced my medical costs, but the difference is withheld, and I’m realizing that often it costs more than it would cost out of pocket, so at best it makes no difference. The dental and vision are exorbitant, so I just hope I don’t get a cavity.

I suspect I need glasses, or will soon. I can tell my eyesight is beginning to worsen. But it’ll have to wait a couple years.

The fear of a worse medical emergency persists. The deductible is rather high for a plan that offers no HSA and the co-pay is unremarkable, the coverage limited. Perhaps the least useful healthcare plan I’ve ever had.

I do not gamble. I like to drink beer but have abstained recently. My hobbies are inspecting train and street infrastructure, studying the Holy Bible, moralizing on the internet and persuading the government to institute a better society. I lapse sometimes and make impulsive purchases, but not frequently. I have not even gone to see a game in two years.

It’s a great pain to review your statements and recognize that almost none of the purchases were wasteful, only a few technically unnecessary. There were just too many overall.

What upsets me most is the social distance I have gained from my condition of functional poverty. the agony of refusing visits, trips, games, concerts, shows, dinners, coffees, drinks grinds on me daily. Yes it is still nice to say hello, it is just not the same. The pity, or disgust, the symbolic offers of charity received. Mostly the confusion—the awkwardness, the unsolicited advice (which I don’t normally mind, but it gets old). I prefer to socialize with bourgeois progressives, academics and professionals who care about engineering and mathematics and government policy and theory. It’s what I care about. I do not really resent them, but everything they do costs more money than I possess, so it is difficult to see friends and I cannot hope to keep up with colleagues after work.

I don’t object to work but I resent the fact that I must pay for my own healthcare. I also resent that my government neglects my transportation and my safety. I resent the pollution of the air, the NIMBYism driving up rents and leaving the addicted even more hopeless. I acknowledge the mistakes I’ve made that have led me here. I can’t undo the past, but Congress could socialize all medicine in the next budget if it wanted to…. repeatedly chooses not to.

That’s all. I just wanted to complain. You can give me advice if you want. I’m relatively financially literate, just poor and human.

I have held out for years from getting a loyalty/membership card from supermarkets as I hate the tracking that they do. But here in the UK so many prices are now locked behind it in most supermarkets, it feels like I’m just giving them so much extra money it’s getting ridiculous. I end up spending more money to shop where they don’t do this, but most of the major players are now adding these member only prices it’s hard to keep the status quo.
For other privacy minded people, how do you manage this?

I am looking to replace our current vehicle (17 expedition) because of some issues (1st gen Ecoboost... eats plugs every 30k miles, runs rich, poorer than expected milage, plus the looming threat of cam phaser and timing issues common to this motor) and the fact we don't really need the space anymore now that my kids are out of the full size baby seats and our dog doesn't travel with us much anymore (because we don't travel much anymore..).

I have always bought used. The expedition I bought with 70k miles on it and now it has around 135k. I'm growing tired of swapping cars every 3-4 years, so I started doing research a few months back and the name that keeps coming up again and again is the RAV4.

I test drove one to make sure I fit (6'3" and certainly no stranger to cheesecake) and the fit was nice. I used to drive a 13 Ford focus so I figured it would be fine, and it was. I think I'm most interested in the hybrid drivetrain as the allure of the e-cvt (chunky planetary gear system, no clutches, seems incredibly bulletproof) is quite tempting. Not to mention we mostly drive city and the better mpg is a nice bonus, but the cost difference between the 2 make that a bit of a moot point. I realize the long term cost of batteries and "cable gate" but I'm not too concerned.

My reservation is that based on the used sales figures for these newer (23+) rav4s, it just doesn't make sense to buy used. If I buy the one we want new, it's around 41k out the door. This would be the most expensive vehicle I've ever purchased by an 8k margin.

Our payment versus our current car would go up about 200 per month, but our gas costs will go down about 130 per month so the delta isn't huge. Since the resale value on these vehicles is so high, I'd be "right side up" on the value within 18 or so months. However, the ultimate goal for this car is to have it for 15+ years.

I've never not had a car payment because I had transmission issues or engine issues with them all. I had a Pontiac g6 with transmission issues, a GMC sierra with transmission issues, the focus had the dreaded DCT, I had a ram truck for a little bit which was falling apart almost as soon as I bought it (snapped 3 manifold bolts within 500 miles of owning it just to start), and now we have this expedition.

I'm kind of tired of American car brands at this point, I seem to be eternally let down and churning through vehicles. I want something safe, reliable and that will drive for decades. With that, the RAV4 seems to hit the mark. It's not a sexy option but I don't really care about that. I've heard it described as a dishwasher on wheels - an appliance, not an exciting driver. That sounds appealing for what I want this vehicle to be.

I guess the reason I'm making this post is to consider whether this is a good idea. I'm not really worried about whether I can afford it (I can), I just don't like spending money and this would be a lot of it. Having said that, it's value seems to be projected to hold up extremely well, just as most Toyotas do, and as you can see from my previous vehicles, I'm not used to that. I want a very long term vehicle but I also want to know that if something in my life changes and I need to get rid of it, it will have decent resale value.

I considered the crv hybrid and the cx-50 hybrid (which has the Toyota drivetrain) but with the crv I felt less happy about extreme long term reliability (newer hybrid system so hasn't been battle tested as much yet) versus the RAV4, and the cx50 is a mazda which doesn't inspire tons of confidence. Maybe they've gotten better but my brothers 2012ish (can't recall exactly) mazda3 was riddled with electrical issues and the center console broke (we think the dealer knew about it and tried a jank repair due to some tape we found) and Mazda wouldn't do anything to fix it (the dealer nor nearby dealers and Mazda customer service themselves).

Anyway, every time I start researching I always come back to the RAV4.

I don't want a 2026 model because I don't buy new models on their first years, plus they look worse than the previous models.

What are your thoughts on the cSUV market?

Edit: I'm in TX so cold isn't an issue 95% of the time as far as hybrid battery issues go

I am planning to use Plaid API and have a spring boot backend but given that I will be storing my financial information (such as whatever the Plaid API needs me to store to use their endpoints as well as just the transactions on my credit and chequing account), the security of the data is obviously crucial. and I think my problem is I don't know what I don't know.

I have a basic idea of what kind of things I need to protect against.

1. WIll have to use Spring security (or whatever is best) for thing like protecting against xss and csrf
2. I need to ensure that the PostgreSQL database is encrypted

but beyond that, I don't know much about the nuances of each type of security and customizations I should be on the look-out for. wonder if there's a trustworthy resource for at least detailing for me the kind of security I need to implement on either the Spring or PostgreSQL side of things?

I know most here are US-based, but I thought I'd give this a shot.

I've been running a pretty straightforward ETF portfolio through Ergo in Germany for a while now. Here's my current breakdown:

• 25% in iShares MSCI EM IMI ESG Screen UCITS ETF
• 25% in iShares MSCI Europe ESG Enhanced UCITS ETF
• 50% in iShares MSCI World SRI UCITS ETF EUR

I've recently freed up an extra €500 monthly that I'm looking to invest and am wondering if it would make sense to just bump up my monthly contribution from €1,000 to €1,500 while keeping the same allocation percentages, or should I consider doing something different with this extra cash?

For context, I've got my emergency fund covered (one year's expenses) and no debt to worry about.

I look forward to hearing your thoughts.

Tax time again!
I like to get this done as soon as possible to get it out of the way. I have all my tax documents at the ready, but several changes happened in my life last year (moved states, sold home, bought home, etc.) and the tax software I've been using over the last several years apparently "doesn't support" several of the tax forms (or even simply some of the boxes on the forms) I have for this year.

Trying to avoid the "Big Two" if possible.

I'm posting this in good faith, both out of curiosity and self interest. But up front I'll say that I'm not interested in scams, schemes, or get-rich-quick stuff.

I work full time as a teacher, but ever since we had a baby, my wife and I are just barely breaking even financially. Not struggling, but $4k/year would make a massive difference in our lives.

It seems like I'm stuck in this spot where getting a low wage job after school hours isn't even worth the time missed with my family, considering how awful the pay is. Summer work is tough because it has to justify the extra daycare expenses, and again, it's so much missed time with family for such a low reward. Higher paying gigs don't seem as interested in seasonal help from what I've encountered so far.

For the record, I'm not really interested in crypto or casino bonus schemes. I also don't have enough to invest right now to truly put investing over the edge into a meaningful return.

What are some low-risk/low-investment/low-reward side hustles?

I've tried before to get input on this, but online it doesn't go anywhere and IRL people don't seem to understand. Thought about putting it in the /~finance area, but I don't know that it's really a finance issue, plus things there seem to be wider-scale financial in focus. And there's no /~advice page, so here it is:

I feel like I should be making more money lol. Now immediately, that sounds greedy or either capitalistic/anticapitalistic, depending—I know it does, but hear me out. I have a great job that pays ok but not great, and tons of free time; in my mind, and if I'm being honest in my field, chasing a 5% raise is low ROI and low likelihood of even happening. There is little room for vertical movement, but enough security that it seems crazy to make any changes. Post-college, I have had a pretty varied career background, I am very good at editing, research, training, tech, etc. but I am not an "idea person" and I don't have a lot of marketability or self-promotion ability, it seems like (also no coding abilities, which is always a suggestion; I've tried, believe me, but my brain won't do it). I'd rather edit your book than write one of my own, not because I'm afraid of rejection or can't commit to doing something/run out of steam, but because the steam just isn't there.

I don't feel the need to change careers, but I am also feeling super unfulfilled. I've worked on doing things to try and fill that gap, hobbies/other pursuits/etc, but I am haunted by the fact that I am using such a small part of my bandwidth, when it seems like I could be outputting at 2x or 3x and earning similarly. I've applied for contract work, freelance, all that stuff, but it is spotty pay at best—what I want, short of a medieval patron/wealthy benefactor, is a second job I could do on top of this one. Which leads me to side-hustle-type rabbit holes on starting an Etsy shop/a YouTube channel/a Patreon page. But when it comes down to it, I don't actually feel any passion about doing any of those things, and I can't get a narrow enough niche figured out to even come up with a potential audience. I've avoided specializing because I wanted to do all kinds of things, and now I've done that, and I feel like maybe it was a mistake. I just want to have the resources available to do what I want. Bills are paid, life is good, but I feel like I am spinning my wheels: even writing this out is like a roller coaster of feeling shame that I'm not satisfied or that I'm ungrateful, then being frustrated I can't make it happen the way I want, on my own.

Because see, I didn't say I deserve more money; I want the opportunity to earn more money. There are a ton of things I would be perfectly happy doing for a living, or for a second job. And more money might not even help—if I was a trust fund baby I be in a similar situation. But what the fuck should I be doing then? I guess what I really want is for someone to say "Hey, I need this job done, I'll give you $XXk a year to do it" like it's 1980, and then I know I am serving a purpose? And I wouldn't feel guilty about time left over, because the job is Done. But part of me is afraid that, even if that somehow magically materialized, I would feel the exact same way I do now.

so what do tilderinos?

With the recent news about Synapse, I am a little on edge with the safety of my money. I am currently living in France for school, and am hoping to immigrate here permanently. All of my savings is in USD, so I need a way to easily and cheaply convert between USD and EUR, and be able to spend EUR locally. After a ton of research, I decided to move almost all of my banking to Wise. They don't offer traditional banking features like in-person branches or checks, but I didn't use those anyway. I can get a local bank number in any of the many countries they support. The savings account APY is insanely high (higher than I have seen from even the best high yield savings accounts. I have a debit card that allows me to spend directly from any one of my bank account currencies, and auto convert to other supported currencies. And the USD account is insured by FDIC passthrough insurance.

In the thread about the Synapse collapse, people were saying that passthrough FDIC insurance doesn't always mean that the customer's money is actually insured. And apparently some fintech services will just lie about what is covered by FDIC insurance. I am not a lawyer, and I have no idea how to validate Wise's claims about passthrough FDIC insurance.

I was recently able to open a France bank account, which was surprisingly difficult. (To open a bank account you need proof of address, like a cell phone or electricity bill. I don't pay for utilities in my school apartment, and to get a cell phone plan I need a bank account. That was fun to try and navigate.) I have these bank accounts currently: my Wise account with US USD, Belgium EUR, and UK GBP, a US Credit Union account, and a French EUR bank account. My US credit union and French banks give a very low or zero APY, so keeping my money in my Wise accounts is preferable for that reason. But I also can't afford to loose all my savings if Wise collapses. My question is this: Is Wise safe enough for general money storage, or should I use it just for converting between currencies and keeping a small amount for spending? If Wise isn't safe, what about another similar product? I have heard of Revolut, but I didn't do much research since Wise seemed better for my use case.

For many years, I’ve been relying on a budgeting system I came up with that leverages the unlimited free savings accounts offered by my credit union, and the scheduled transfer functionality in their online banking. I have a separate account for every recurring bill. I also have accounts for different types of expenses like groceries, car maintenance, clothing, travel, etc. Altogether I have about 50-60 accounts.

I am salaried so I get a predictable paycheck at predictable intervals. After every paycheck arrives, a flurry of scheduled transfers distribute the money among all the accounts. These accounts are my budget — if I go to the movie theater, for example, I’m not allowed to spend more than what’s in my Activites account. I rely heavily on my online banking app and often pull up the balances to see how much I have to work with. Most of my paycheck is allocated but there’s always a little bit left over in my checking account, which is used for discretionary spending and provides a little cushion if I need it.

Most of my bills are on auto-pay. I have scheduled transfers in place to move the money back into checking when it’s due, just in time for the payment to process.

This system works for me. I like how earmarking and separating out funds for specific purposes as soon as I get paid prevents me from spending that money on other things. I have some annual subscription renewals that I don’t even feel because I set aside a couple bucks every pay period and the money’s there when I need it. I like that this system doesn’t require complex paid software or tedious reconciliation processes. It’s admittedly a chore to make adjustments to anything because the online banking system wasn’t designed for this sort of workflow. Once it’s properly configured, everything is automated and it basically runs itself. I’ve added a couple supporting tools over the years: a spreadsheet to plan the whole budget before I create all the scheduled transfers, and a CLI script that projects upcoming balances for n years so I can optimize my biweekly allocation sizes for their corresponding monthly or annual payments.

I don’t know what to call this system. It’s similar to the old envelope method except I’m using actual bank accounts and never handling cash. I’ve heard that YNAB is similar but haven’t looked into that one. I can’t be the only one managing their money this way! Does this have a name? I’d love to hear resource recommendations for this sort of budget, and please share your own systems and tools as well!

I watched the video "Dirt-Cheap Solar Generator Setup - What Can It Power?" by Alex Beale yesterday. In the video, the presenter purchases a cheap solar panel and power bank for a total of $250 and tests household devices to see what kind of wattage it can take.

Turns out the cheap device can power most household objects. I'm curious if it's possible to try a similar setup to meaningfully cover my electricity usage on a day-to-day basis. Unlike the creator of this video, I don't have a yard. I'm exploring whether a solar solution could work with my constraints.

I wanted to share this idea with Tildes and hear any ideas/feedback/experiences from people who have tried something similar.

My goal

• Investigate whether it's feasible to save money with this setup
• If so, find a setup that I can use to power some or all of my household devices off-grid
• Pay less in electricity costs
• Be able to rely on my power bank when the building's power goes out

My current situation

• I live in an apartment in an urban area in the US northeast (southeastern Pennsylvania).
• I do NOT have a balcony (sadly).
• I have two south-facing windows and four west-facing windows (two of which get a LOT of light, two of which get a decent amount but not as much). However, my south-facing windows don't get direct sunlight most of the day since there is a building in the way (just a bit in the late afternoon).
• The dimensions of the windowsills are about 16 inches in depth and about 55 inches in width. That's enough for a small or medium-sized solar panel, but not most panels designed for outdoor use.
• I can open the windows all the way and it would be physically possible, in theory, to hang something outside rather than keeping it on the windowsill (we'll get into this...)
• I pay for all my electricity. The heat/air is central and inaccessible, as are a couple of the overhead lights (there are only a couple), but everything else could theoretically be replaced with energy from a power bank, I think.
• I already have a power purchase agreement with a renewable energy supplier. All my energy is "green" in the sense that I'm making it slightly more economically feasible to produce green energy.
• In a less expensive month, the bill might come to around $75. In an expensive month, it might come to around $350. If I heated the unit as much as I would like, it would be higher.
  • I'm pretty sure most of my electricity use is the heat/AC.
  • I'm pretty sure most of the remainder is the washer and dryer dishwasher, followed by the washer and dryer.
  • I spend some amount heating my water otherwise (shower, sinks), but I can't address that with a solar panel.
  • I wouldn't mind saving money on the rest if that's all that's feasible.

My power needs (I think)

• I don't know much power my oven uses. It's electric, which the internet says averages around 2500 W.
• My dishwasher runs at 120 V and 18.7 A. That is... uh... 2244 W. Also a lot.
• My dryer says 120 V on the machine, and if I look up the model number, it seems to be at 15 amps. So that's 1800 watts.
• My washing machine, uses....... IDK how many watts. No information on this thing exists. But it uses a 120 V outlet. The internet says an average washing machine could use up to 1400 W (sounds high, but okay).
• My computer has a 520 W power supply, but I doubt it ever uses that much. It's old and mostly runs Solitaire. Maybe one day I will get a fancy new machine that does like 1000 W.
• My fridge uses 115 V at 4.5 A. Let's pretend that's 120 V and say 540 W.
• I can't tell how many watts my TV uses, but the internet says it could be up to 200 W.

I would want a bit of breathing room with the rated wattage so that the power bank doesn't explode.

No way I can run all these devices simultaneously off the power bank, but perhaps I could time them. Even partial coverage could be adequate if it makes financial sense.

Possible spatial configurations

I see a few possibilities here:

1. Stick a bunch of solar panels in the windowsills, propped up at a suitable angle.
2. Stick the panel directly in the window like an air conditioner. In this case I would want to use a two-sided panel, since there would be some ambient light coming from the inside. This would inevitably reduce my home's energy efficiency, which I would have to account for.
3. Weld some sort of counterweight to a mounting system that I can use outside the window to perch the panel at an ideal angle. This would also reduce my home's energy efficiency, but maybe by less since the gap could be minimized. It is also probably illegal. And dangerous.
4. Just fill my living room with solar panels. I will need to have a conversation about that. But it could be done.

I think #1 is the only one that is actually reasonable. #2 would cost me too much in heating bills to make any sense. I think #3 would get me evicted or sued by the city. And #4 is unreasonable considering that I like to use my house to live in.

My budget

I would maybe spend $500-1000 on this if the payback period was a few years. Not more than 5 because panels by then will be a lot more efficient.

I guess I could spend more than that if it makes sense. I have good credit and a high credit limit. I don't make that much money but I could save for a bit or carry a balance for a bit. I think I would draw a hard line around $3000.

The power doesn't go out here too often, so that isn't the main selling point, more of a nice-to-have.

My research

I'm just looking on Amazon. I know I could maybe get something a little cheaper elsewhere. I'm searching for "power bank with solar panel".

• 4000+ W range: OUPES Mega 5 for $3300+ with panels (I think?). That's a lot of money for something that might not even work. And I don't believe it would be $3300, most other models I'm seeing are closer to $5000.
• 2200 W range: Jackery Explorer 2000 for $2500 with the 2 panels. Maybe this could cover my energy-intensive appliances, one at a time. Still expensive. The solar panels will... maybe fit in the window with about 1/2 inch to spare? I could angle them slightly if needed?
• 1800 W range: (maybe) Anker SOLIX C1000 for $800 with 1 panel. It also says 2400 W so idk what it is really. Can't determine the width of the solar panel.
• 1000 W range: EF ECOFlow River 2 for $700 with 1 panel. I am also not sure how big the panel is.
• 600 W range: SinKeu Portable Power Station for $230 with 1 panel.
• 300 W range: Marbero Solar Generator for $230 with 1 panel.

I'm discovering that these companies never specify the dimensions of the solar panels because they assume no one would ever use them indoors. Probably for good reason. If they don't fit horizontally, I guess I could stand them up lengthwise.

I'm sure it would be possible to find a cheaper solar panel separate from the power bank. But as a ballpark, those are my initial numbers.

Math

Imagine I spend $2500 on the 2200 W Jackery model, with 2 panels. I could put them in the two bright west-facing windows. Let's just pretend they can get their maximum output and that charging time isn't an issue.

Let's say I use this every time I run my oven, dryer, washer, or dishwasher (not at the same time), and otherwise I connect it to my fridge and most other electronics. (I know I said my oven could be 2500 W, but I usually just use one burner, and I bet that's more like 1500 W.) Let's pretend the hassle of running all those cables has been solved somehow.

I really don't know exactly what my electricity breakdown is. If I have the heat/AC mostly off and am not in the unit a whole lot (e.g. traveling for some of the month), that's when I end up with a $75/mo bill. But if I'm out of the unit, that means I'm also not using my dryer/washer and other devices as much. I guess the fridge was still on. The $350 side of things is because it's hot and I'm running the AC more, and maybe slightly higher dryer usage for some laundry-related reason. So maybe I'll say the minimum I'm spending on non-heat/AC electricity per month is $50-100, and at most maybe something like $150.

So in this super optimistic scenario, the portion of my monthly electricity bill I suspect I'd be able to theoretically save would be $50-150. Let's just say $100. That means it would take 25 months to pay back if all goes well. Honestly that's not so bad.

If I instead bought the 1000 W ECOFlow setup for $700, I could cover all my non-intensive electrical uses. The main beneficiary would be the refrigerator, the computer, and maybe the television. I think the savings there would be like $25-50/mo at most, being pretty generous. If I say $35, that would be about a 20-month payoff. That's also pretty good, but if it'll take about the same amount of time to pay for itself, I'd rather get the higher-wattage one.

Numerous caveats:

• It's not always sunny in Philadelphia.
• The panels will not be at 100% efficiency because the window is cloaked in shadow half the day, and there is no way I get the angle perfect, and maybe the glass affects how much energy they can absorb or something (would it help? hurt?). This isn't inherently an issue, except...
• ...that the charging time for the power station might be long. Some of the reviews say 6 hours in maximum sunlight, so for my use-case there's no way it would be faster than 12 hours for a full charge, and probably more. I use my appliances kind of a lot. The fridge is always running, and either the washer, dryer, oven, or dishwasher are running a pretty good chunk of the time. I think that I could get by with this... but I probably wouldn't be able to use it as much as I'd like (there are often moments where more than one is running simultaneously), so...
• ...the payoff time wouldn't actually be 25 months. I suspect there are some factors I'm not thinking about that would reduce the realistic amount of energy I'd save here. Let's say it is half as effective in my setup as a normal person's, because the sun is half as visible or something, and the charging time is too slow to use often, or whatever. At a 50-month payoff (4 years), I would start to get skeptical. But not inherently opposed.
• I use my windowsill for other things that like sunlight, like plants. I would have to move the plants that really love the sun somewhere slightly dimmer. Is it worth it???????
• I also like to look out my window, and if I had a huge solar panel there (especially if I had to stand it up vertically for space reasons), that would be a bummer perhaps.
• Constantly charging and discharging this thing probably reduces its effective wattage output fast. I.D.K. by how much. But there might be a point where I can't use it for my high-wattage devices, which would largely defeat the purpose of buying an expensive model. Not clear to me what the timeline for that would be.
• I still can't figure out if the panels would actually fit in my windowsill.
• Since it wouldn't be able to run more than one energy-intensive device simultaneously, I'd have to be careful not to keep it plugged in to too much stuff at once. It would overall be a bit of a hassle to plug in the panels and the charger and everything. Maybe the panels could stay plugged in, but even so.
• Running extension cords all over the house and putting a giant solar panel in even just one or two of the windows would result in a catastrophic domestic state of affairs. I can just imagine the eye-popping that would happen if I set that up unilaterally.

Takeaway

There is almost definitely something I am not considering. My math is so napkin-based, so imaginary and so optimistic.

But even if the practical efficiency isn't great, I feel like this could maybe possibly actually work, and could save me a bit of money. I would just have to spend it all up front. I mean I don't have $2500 on hand. But I could scrounge up part of it and put the rest on credit. And it would make for living room conversation with guests?

Realistically this seems like an amusing but too-annoying to actually do sort of project. If you know anyone who's done something silly like this and had it work, let me know! I'd be curious what their experience was.

Early last year, there were some rather heady predictions within my company about the potential/future of decentralized autonomous organizations. (That a DAO would be running a real company, that a DAO would play an important role in an election somewhere, etc.) They have not come true. From my perspective, the same generally seems to be the case for nearly all Web3 components.

That led me to wonder, though - are DAOs still a thing? Is there quiet potential there and the hype machine has simply moved on to LLMs... or was hype all there ever was?

Have any of you seen any actual uses of a DAO? I would love to hear about it if so.

So, I'm debating switching to a debit card for daily purchases, since the mental accounting gets confusing with a credit card and it's easier to overspend. The only thing holding me back is the fraud protection that comes with a credit card. Are there any (US) checking accounts/debit cards that match the level of protection you can expect from a credit card? Is such a thing possible?

It's 2024 if I remember correctly and budgeting is a fairly common practice. Companies are obsessed with data. Yet when I got to the store and buy a videogame, dap drywall joint compount, and 3 avocados the transactions is just the store and the amount. It'd be nice if I could track what I've been buying, categories them into entertainment, home improvement, and groceries respectively.

I'm guessing this information actually is tracked but is only used for marketing purposes. But I'm curious, does anyone have more information on why transactions can't at least optionally support extra metadata about what was actually bought?