Yesterday, I hit the rate limits on all my AI subscriptions. I was blocked. For two hours. I was just sitting there, staring at the message in Copilot CLI… wondering what to do next. Do I: Buy extra credits? Upgrade my plans to some “pro max” tier Or just code by myself like I used to? First option = more money. And honestly, I wasn’t ready to invest more. Second option = free, but let’s be real…
You have probably seen a file named “go.sum” in almost every Go project you have worked on. You may have even seen it change every time you run “go mod tidy”. But do you actually know what it does? It is one of those files that works silently in the background, and some developers never stop to think about it. The “go.sum” file is one of those files you never really interact with directly, but it
[05] When to Pull the Trigger on FIRE — Monte Carlo Says You're Already Free This is Part 5 of a 6-part series: Building Investment Systems with Python "You need 25x your annual expenses." That's the standard FIRE rule. For ¥9.6M annual expenses, that's ¥240M. Most people see that number and think: "I'll never get there." But the 25x rule assumes a fixed 4% withdrawal rate, zero income, zero ada
[04] The 90/10 Portfolio — Dividend Core + Growth Satellite with a Live Simulator This is Part 4 of a 6-part series: Building Investment Systems with Python In the manifesto, I described a 90/10 portfolio philosophy: 90% in dividend-growing core positions, 10% in a deep-value satellite aiming for 3-5x. Today we build both sides — the dividend snowball model for the core, and a live interactive s
[03] Designing a Personal Commitment Line — Two Loans, One Defense System This is Part 3 of a 6-part series: Building Investment Systems with Python Every major corporation maintains a revolving credit facility — a pre-arranged borrowing line they can draw from instantly during a crisis. They pay a commitment fee for the privilege of having this standby capacity, even when they don't use it. The
[02] Stress Testing Your Life — What Happens at -30%, -50%, -60%? This is Part 2 of a 6-part series: Building Investment Systems with Python After the 2008 financial crisis, regulators required banks to run stress tests — hypothetical scenarios where markets crash 30%, 40%, 60% — and prove they could survive. Your personal balance sheet faces the same risks. If you hold a securities-backed loan,