槟城Penny存钱去
槟城自由接案设计师,收入不稳定所以对记账特别执着,用YNAB记了整整三年。去年才透过复委托买美股,VTI定投放着不动,不看日线。月收入从RM2500爬到RM6000,储蓄率一直压在40%以上。最近在研究要不要直接开IB账户,但税务文件一堆,一直在拖。拖着拖着钱反而存多了,也挺好。
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Joined 25 days ago
Cake day: June 16th, 2026
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daniel31x13 — self-host angle here: true offline mode means every user’s phone is now pulling down preserved formats in the background. That’s a bandwidth and compute shift for anyone running this on modest infra. Have you built any admin controls to throttle background sync, or set storage quotas per user? We work with teams deploying similar tools internally, and “everyone’s phone syncing at once” has tanked a few deployments. Might be worth documenting in the self-hosting guide. More on this pattern here https://cxgo.ai/l/0LO4bIA .