151–160 of 332 posts
There are a lot of tools like Actual (YNAB, Monarch, Mint, Aspire google sheet etc). All are focused on budgets and mostly managing cash accounts. I've always wanted an equivalent but for investments. I know you can sync investment accounts to some of these, but that only reports the balance generally. I'd love to have the equivalent for investment accounts that answer these questions: What is my sector exposure? How…
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I've built and shipped my own apps independently. I have almost 20 years of professional experience in Web, some Machine Learning and Data Science. I also led teams distributed around the world. I also got into blockchain development in 2019 and now I am working on a slow-but-steadily-growing open source project [0] to make payments with crypto easier. I'm living in the hot "tech center of Europe" (Berlin) and I'm ye…
Best not to make a job proposal over a Hacker News comment.
Worst case, they can't find a job and nothing changes. Best case, I'd be getting a job where I could work from anywhere in the world and that would pay me 30% more than what I was getting previously.
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Europe is a very different system. Suppose I work freelance in New York City, so I make $20,000 a month. $8,000 -- city, state, and federal taxes take 40% $3,500 -- rent $1,500 -- health insurance $4,000 -- care for my elderly mom total: $17,000 In other words, it is easy to make $20,000 a month in New York City and feel like you are barely surviving. I'm grateful I don't have children, as it allows me to take care o…
Most of Europe sees you with the same tax rates of roughly 40%, if not higher. Even after rent, tax, and health insurance, your leftover pay is more than a mid to senior engineer will _gross_ before tax and rent in most major European cities. The real outlier there is the care cost. if you didn't have that, you would have 7/month left over (and even after that, you have $36k/year) - that's more than a mid level engin…
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Also, speaking personally as someone doing £180k when I know my market salary is at most two thirds of that: I don't really spend the money, because I never want to be pinioned to my job, or to even feel like I'm locked into my job because I'd e.g. have to move out of my house if I quit. That limits you quite a bit, unless you're preternaturally confident in your jobseeking ability.
I do the same. I’m naturally frugal but have loosened up some as earnings increases but I don’t spend or leverage like my peers. They are prisoners to their jobs and I can (and have) said “enough” and walked away when jobs get too toxic. I don’t generally have a problem working long hard hours but I unplug at times where interruptions will not be fielded and I’ve been present during complete shit show management stuf…
There are a lot of tools like Actual (YNAB, Monarch, Mint, Aspire google sheet etc). All are focused on budgets and mostly managing cash accounts. I've always wanted an equivalent but for investments. I know you can sync investment accounts to some of these, but that only reports the balance generally. I'd love to have the equivalent for investment accounts that answer these questions: What is my sector exposure? How…
Personal capital? Sigfig?
"I completely underestimated how much work it takes to build a business. There's so much overhead. I'm always figuring out why a build failed, taxes, how to triage issues, responding to support, designing UIs, responding to Apple's complaints, and more. There's so much that goes on behind the scenes. There's no way a single person can possible do this alone, especially as a side project." This is the part that resona…
you can have a cushy tech job making 200K relatively easy Some of these claims seem to come from people living on a different planet to me. Yes you can make that, but only if you are in a tiny (and normally very privileged) set. The way it's breezily posted on this forum at times shows perhaps just a leeetle disconnect with the mainstream tech world
Instead of anchoring myself to what Brazilian companies pay for developers, I focused on getting a remote job at a US company. One that would anchor themselves among their peers around SV, LA, NY. Now I earn about 12x more than when I started as a junior when I started 5 years ago. I earn about 3x more than if I was lucky to get the best paying job for my experience level here in my city.
This 3x salary increase is very related to knowing that this privileged world existed, which is mainly HN’s fault in my case.
Bear in mind that I am not earning close to USD200k (but six digits). I learned around here that FAANG salaries exists, but then I decided that those are not for me. But that’s a conscious decision. A much better position of not even knowing this exists.
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Sounds like the missing piece is the interviewing and negotiation skills. The money is there, you just have to convince them that it is in their best interests to give it to you.
That was certainly not the problem.
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Most of Europe sees you with the same tax rates of roughly 40%, if not higher. Even after rent, tax, and health insurance, your leftover pay is more than a mid to senior engineer will _gross_ before tax and rent in most major European cities. The real outlier there is the care cost. if you didn't have that, you would have 7/month left over (and even after that, you have $36k/year) - that's more than a mid level engin…
Why are European engineers paid so low?
I am curious, what do people use for budgeting? Mint seems like the most feature rich, but not only do I not want to support their parent company because of their Tax lobbying... but I don't trust them from a privacy standpoint (Considering its free). YNAB and Monarch both seem like really good options. But I have not looked into them much yet. I currently use Copilot (iOS only... really just iPhone, no iPad app). I…
If I understand correctly, AC can’t be connected by Plaid, and You have to do manual export and upload of transaction data.
If you use this for most of your expenses the payments from your checking account to pay off the card each month should also be recognized as such.
I’ve tried managing this using Waveapps some and besides not liking that company, it didn’t handle this very well.
Specific to this thread, how well does Actual handle this? It would be cool to self host this stuff.
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Again, what part of the world are you on? Even in Berlin, with all the talks about it becoming a top destination for tech people, I'm yet to hear any 6-figures offer. Even the blockchain companies that were flush with cash were paying 90-95k€ to their top people, maybe a 10-20% performance bonus. Mind you, we are talking about Germany where the tax is ~42% of your income at this bracket if you are single. When I was…
> Again, what part of the world are you on? Doesn't matter. There's plenty of remote (as in worldwide) offers with these figures now. Source: heavily interviewed last July while living in Moscow, Russia. Got several offers in that ballpark, accepted one from "Who's hiring" HN thread. Not a rockstar, just a regular developer.
But unless your story can come with many other examples, it should not be counted as representative of any "average" situation from the market at large.