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work on ETF strategy and find out in FR tax environment it's better to mix Dist and Acc. Dist will allow a steady income even when markets are bad, but are immediately taxed in FR (30%), then Acc allows withdrawing something like 4% annually (especially when markets go well).
My new formula is simple:
- 40% of total ETF portfolio go to Dist, 60% to Acc.
- Dist funds life necessary life expense, while Acc funds lifestyle or expensive purchases.
That's the best balance for me between simplicity and tax efficiency for FR 
#life
schedule to sell all my SP500 holdings tomorrow because 1. its over-exposed to AI and it's a bubble, 2. SP500 is over-valued by 120% to 200% as per analysts, 3. US is going geopolitically crazy recently so starting to lose confidence — will re-balance it to an Asia-Pacific Acc ETF tomorrow + All-World ETF to dump on the AI bubble growth and now spread the risk to preserve those fat gains #life
take some slow time to wake up and walk outside and drink coffee 1h after wake up to avoid immediately irradiating my eyes with laptop screen as other days, and it feels better #life
switch ChatGPT subscription for Mistral to see how it goes, so far very satisfied it’s totally on par #life
uninstall X from phone because it became too addictive due to recent changes (can’t hide images) and I spend more time doomscrolling now, and it’s not possible to use unofficial client app anymore so —> 🚮
my phone is only messaging apps and maps now, which is the purpose of a phone after all. means I don’t use my phone much during the day except for smart stuff like searching knowledge or chatting with friends #life
come back home in Costa Rica and descend a steep downhill with the car, then breaking started being less effective at slowing the car. A burnt smell entered the inside of the car, we managed to stop, and one of the brake was smoking like its burning!!!
Managed to get back home safely after waiting for them to cool down and drive at 5kph downhill with micro braking, will need to go check at a garage soon cause this ain’t safe #life
schedule wire to personal bank of money from sale of a stock picking that worked (+40%), cause I’m cash poor and I need money #life
buy some more gold to bring gold assets to 10% of my total assets since times get more uncertain now #life
drink less coffee today and actually feel less burnt, maybe the cause of being tired was building caffeine dependence after all #life
disable auto-audio level feature on AirPods cause very annoying when a car passes far away on the road my AirPods suddently start blasting in my ears even w/o ANC on - in my experience, the dumber AirPods are, the better they are #life
lose power again as the whole village tripped, power on 5G router on big battery for backup internet and be glad I charged all batteries today when power got back in the morning #life
experience a first earthquake since in Costa Rica, and realize I am 60km away from an active volcano #life
nuke all social media from phone (Instagram + X) cause I realized it's been 3 days I started doomscrolling and it never happened to me before, maybe since X forced the loading of images in my timeline which I disabled but they removed the option from the app, need to fix the addiction before it starts so I wont be using any social media anymore #life
gain back grid electricity and thus charge up all batteries to be able to last the day if it falls down again #life
wake up and realize we lost all grid power for good in the village after the storm, I am glad I charged up all batteries to be able to keep going on and have internet cause 3G towers still on #life
charge all backup batteries to 100% because power just got cut and we are in the middle of a storm, and we got power back but maybe it'll go off again soon — that will power backup 5G router and charge phone for lights if power gets out for too long #life