Top all-time · #7537
Go Curry Cracker!
Personal blog · gocurrycracker.comeconomicscareer
Go Curry Cracker! is a personal blog at gocurrycracker.com about economics and career. Since 2015, 11 different Hacker News readers have linked it 12 times. It is still writing: the last post was on 2025-06-17, and you can follow it by feed.
Too few sampled comments (11) to say how often HN recommends it.?
Why HN links it
HN readers link Go Curry Cracker for personal-finance analysis: Roth versus traditional accounts, effective versus marginal tax rates, retirement withdrawals, and 100% equity allocation. Mostly cited as sources, rarely judged.
Summarised by Claude from a sample of 11 HN comments that link here. Each comment is marked recommending, critical or neutral (citing without judging); how this works.
We retired in our 30s to travel the world and start a family. Through the power of travel hacking, tax minimization, geographic arbitrage, medical tourism, and financial independence through aggressive saving, we aspire to help others do the same.
Most-linked posts?
- /lessons-from-japans-lost-decades/2 people · 2 mentions · first linked 2021-02-15
- /never-pay-taxes-again/2 people · 2 mentions · first linked 2019-01-19
What Hacker News says?
I think it's incorrect to compare marginal rates as well. It makes more sense to compare your Effective Rate in retirement versus your Marginal Rate of today. This article explains the math: http://www.gocurrycracker.com/roth-sucks/ Your effective tax rate is likely to be much less than your marginal rate. Also, for anyone interested in financial independence and simple investing with your 401k and IRAs, I'd like to…
Comment linking /roth-sucks/
on “Investing for Geeks”Submitted The End of the Middle Class as a story · 1 points
HN discussionHere's one case study: https://www.gocurrycracker.com/never-pay-taxes-again/
Comment linking /never-pay-taxes-again/
on “The public has a right to know how companies that pay no taxes pull it off”I've looked at it a little bit, but as someone nearing retirement, it is lacking a number of features that I would like. There are some common tricks that I don't see how to model with ProjectionLab: 1. Do your tax-deferred 401k,403b,IRA saving in a high earning job, state, then move to a low or no income tax state to do the withdrawals in retirement. 2. Retire early so there is some time before taking social securi…
Comment linking /go-curry-cracker-2020-taxes/
on “Show HN: I built a simulator for personal finance”That chart, I believe, does not take into account dividend reinvestment. I picked their worst datapoint on a twenty year horizon, '61-'81. I plugged January '61-January '81 into this calculator [1]. With CPI adjustment turned on, the annualized return with dividend reinvestment was 2.3%. That's the worst twenty year period in history. Another difficulty with this analysis is that retirees do not withdraw lump sums t…
Comment linking /the-worst-retirement-ever/
on “Ask HN: What did you do after quitting the IT industry and how have things been?”There's no great answer here. Even those advocating for something like a two or three-fund portfolio have to contend with great arguments for 100% equity allocations ( https://www.gocurrycracker.com/path-100-equities/ for example - haven't vetted numbers myself). But I do think I have some 100% guaranteed "advice" (this isn't financial advice and you would be stupid to listen to anything I write here) which is that…
Comment linking /path-100-equities/
on “Ask HN: Is the stock market's growth largely anything more than inflation?”https://www.gocurrycracker.com/roth-sucks/
Comment linking /roth-sucks/
on “IRS announces 401(k) limit increases to $20,500”> Not in Japan it didn't. Only if you were 100% JP equities without any diversification: if you had some (20%?) bonds (and rebalanced), or had an international equities (and rebalanced), you were probably fine. * https://www.bogleheads.org/blog/2017/02/06/a-short-study-of-... * https://www.gocurrycracker.com/lessons-from-japans-lost-deca... > Using Portfolio Charts withdrawal rates calculator, which uses data going…
Comment linking /lessons-from-japans-lost-decades/
on “What We've Learned from 150 Years of Stock Market Crashes”Asset allocation and portfolio management is about managing risk for the returns that are desired and/or needed. If I can achieve my (retirement) goals with only 4% returns, then why would I take on extra risk to get 6%? If I have 60% equities and 40% bonds to achieve my 4% returns, and equities go crazy, such that I've earned a pile of money in that portion of the portfolio such that they now make up (e.g.) 70%, th…
Comment linking /lessons-from-japans-lost-decades/
on “The Hazards of Asset Allocation in a Late-Stage Major Bubble”Darrow Kirkpatrick has a taxonomy of retirement calculators here: https://www.caniretireyet.com/the-best-retirement-calculator... These calculators would be in the low fidelity category. He gives examples of others that have higher fidelity. Bogleheads has a nice list of calculators also: https://www.bogleheads.org/wiki/Tools_and_calculators The Retiree Portfolio Model is a high fidelity spreadsheet tool that takes…
Comment linking /6-years-of-nearly-income-tax-free-living/
on “Retirement Calculators for Engineers”Disclaimer: I'm not an accountant, so my answer here is paraphrasing what I've read from others and may not be the best, is not advice, etc. Since the tax code is always changing, the techniques available will change over time. I always recommend having an accountant or financial advisor. That said, there are several ways to save money on taxes in the situations that exist around early retirement. 1 - One example is…
Comment linking /never-pay-taxes-again/
on “Ask HN: Why do software engineers always focus on salary and early retirement?”My situation would be probably worse under a property tax only regime. The problem with property tax is that is levied whether you have income or not, and not everyone is directly liable for it. Right now, I'm living off of post-tax savings and investments, so my income taxes are really low (as in almost zero). My property tax however is a significant fraction of the taxes I do pay as I have a main residence and an…
Comment linking /never-pay-taxes-again/
on “America is full of high-earning poor people”
