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Joined 1 year ago
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Cake day: July 3rd, 2023

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  • So, I used Homebox for a few days now. I like the simplicity of it and I like the direction they’re going. However, there are quite a few bugs and data loss issues, it’s not ready for production yet. The thing is, these issues should be so easy to fix (it’s a simple CRUD app) that it makes me doubt the dev skills and possibility of other issues I haven’t discovered yet.

    • The purchase date just increments or decrements by one day after editing an item
    • When editing an item the notes/description fields show the data from the previously edited item, causing you to overwrite data

    These two issues alone made me go back to my spreadsheet for now (good thing I kept a backup). I simply don’t trust the app to keep my data intact.




  • This only works if you do not spend any of your HSA funds and instead invest them, paying for healthcare with post tax money.

    In the ideal world, if I knew exactly when I’m going to die and how much I’m going to need to spend for healthcare every year - yes, I would totally do this to maximize the effectiveness of HSA.

    However I don’t live in that world. It’s no use to me to spend my hard-earned post tax money and die having 100k in my HSA account. Maybe if I was making 200k+ a year to have enough to max out all tax-advantaged accounts AND cover medical expenses with post-tax dollars, sure, I would do it.

    That’s why I spend my HSA money for medical expenses now. I’ve done the math and doing this it’s still costing me less than a PPO plan.

    I think a better approach is to assume your costs can be anywhere from 0 to the max OOP and see how the numbers work out for different scenarios. Then you can make a decision based on financial (not health) risk tolerance

    That’s exactly what I’m doing with the help of my spreadsheet.