Thanks for the detailed answer. I have noted for myself a couple of things to read after that!
Also, in my experience even in a corporate world, no matter how complex and advanced your finance system is, results most of the time get to somebody's Excel, where they get further massaged. Regards. On Friday, March 13, 2026 at 10:40:29 PM UTC+1 [email protected] wrote: > On Saturday, March 14, 2026 at 12:19:28 AM UTC+10:30 Chary Ev2geny wrote: > > On Friday, March 13, 2026 at 12:46:02 PM UTC+1 [email protected] wrote: > > so I'm off to convert my collection of scripts & Google Sheet/beancount > hybrids & jupyter notebooks to Marimo...... > > > Just out of curiosity, How did you use Google Sheets in all of this? > > > Google Sheets provides a "good enough" UI/front-end with charts, stock > prices & exchange rates (which update orders of magnitude faster than > bean-price), and a convenient place to keep data that doesn't fit nicely > into beancount itself (such as joint life expectancy). It is also easy to > store historical information (like daily net worth or historical dividend > rates) rather than try to pull it from beancount each time I need it > (impractical for net worth, somewhat annoying for other things). It is > easily accessible via mobile and is cloud hosted so I can see it anywhere. > I've had the Google Sheet for over a decade and it has accumulated a lot of > things I don't actually use anymore. > > My primary use for it is to take our current net worth and run a PMT > calculation on it using joint life expectancy and expected returns to > calculate how much we can safely spend each year. It is nice that this > happens "automatically" and I don't need to run some script to see it, I > just open up the sheet on any device and there it is. (There is no native > PMT in python but the numpy_financial package provides it.) > > I've also used PMT when looking at various debt paydown scenarios and how > much free cash flow remains after. I can't get a normal home mortgage so > have used portfolio margin to buy property in the past but there is no > convenient vendor-calculated "monthly mortgage payment" with that, so you > sort of need to manage it yourself to make sure you stay on top of the > accruing interest. > > It shows us how much charitable giving we should target -- based on an > heuristic from Peter Singer's book/website The Life You Can Save. > > Because net worth is stored daily it is easy to look up, or chart, > historical data. For instance, after a major purchase (property, car) how > long does it take our portfolio to recover (currently 553 days and > counting, the Iran was isn't helping....) > > There's a table showing various projected safe spending rates (based on > PMT above) at various net worths that let us have reasonable conversations > about increasing/decreasing spending in the coming years (where "spending" > including gifting both family and charities). > > In the far distant past I used it for investigating things like Siegel & > Waring's "Only Spending Rule You'll Ever Need", Walton target portfolio > sizes, Stout & Mitchell's spending rule, Blanchett's Simple Formula, > Steiner's Corridor, Kasten's Model, Milevsky's Stochastic Portfolio Value, > and so on. > -- You received this message because you are subscribed to the Google Groups "Beancount" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. To view this discussion visit https://groups.google.com/d/msgid/beancount/b6615982-8e08-4a70-ac99-fe1be9021acfn%40googlegroups.com.
