deanmoriarty

I am currently in the market for a property in SF within your listed price range, and ready to make a likely cash offer when the right property comes on the market, I hope by end of year. Also about 15 years of experience. So I suppose I would be the audience you might be interested in hearing from.

It might be helpful to talk a bit about your numbers over your 15 years career: yearly total comp at grant, yearly effective total comp at vest, amount saved per year, growth of invested savings in IRR or average.

With those numbers it’ll be fairly easy to assess if you (1) have been underpaid, (2) have joined companies that didn’t benefit from growth, (3) overspent, or (4) invested your savings too conservatively.

You don’t even need to share them, any AI tool would be able to give you the answer you’re looking for.

Unless you don’t have any other options, don’t do it. Your future self will thank you. I wasted so much time being a founding engineer, it’s the worst tradeoff. Don’t do it. Don’t do it.

Once liberated from toil, how are these kids going to pay for rent?

I genuinely get bothered when someone talks to me. I am typically rushing through my day to do stuff, whether it is hiking, grocery shopping, working out, or going to the restroom at work, and getting interrupted feels to me like getting an unwanted push notification on your phone.

When someone occasionally engages, I extremely quickly dismiss them in the most polite, but firm, way possible. I also intentionally keep a demeanor that generally signals I’m not open to random conversations (I avoid eye contact etc.), but that often doesn’t work. At the gym it is particularly problematic, I’m focusing on gathering strength for my next set and sometimes people bother you even if I am wearing headphones.

I truly do not have a problem with who I am, I’m comfortable in my shoes.

As such, never in a million years I would approach a stranger to strike up a conversation, it would seem an incredibly rude thing to do towards them, on top of clearly not having any desire to engage from my side.

I’ll talk for hours straight to my wife, close family and the very few friends I have though!

Really hard for me to understand why the average HN commenter has an almost cultish behavior towards Anthropic, they are somehow excused for all their sins whereas everything OpenAI does is taken in the most uncharitable way. It’s a very consistent pattern.

I always see a large amount of pessimism about this company on HN, and I accept it might be for rational reasons. What do people think is going to be the most likely outcome for the company, since everything seems to be going so bad for them product/moat/financial-wise? Do people think it will literally go bust and close business due to bankruptcy within a couple years? If not, what else?

But who exactly is going to catch those errors, especially when the outcome of such mistake would be an adjustment in your favor? Not the tax authorities, not the CPA. You’re left to advocate for yourself.

This is a story that really happened, I’m not making things up. A few years ago, myself and other colleagues exercised some ISO in a startup we were working for. The exercise left us exposed to a steep AMT tax, it was a 6 figure tax bill (this was expected and we knew that going in, it was offset by some liquidity opportunity on the side).

Now, if you know what you are doing, it’s possible to get back all that extra AMT tax you paid as credit in future years, you just really need to be aware of the mechanics that enable that via form 8801, it requires variable carryovers for N years until the credit is extinguished. But it’s no big deal, even the TurboTax wizard is fully capable of the functionality! A colleague of mine, with his fancy CPA, completely missed this.

It wasn’t until several years later, when I casually mentioned that I was happy to have finally used up all the AMT tax credit, recouping my full 6 figure bill, that he literally said “what are you talking about?!”, and just there we learned that his CPA completely missed the situation (my coworker being clueless also certainly didn’t help). He called me later that evening to get the name of the form 8801, and confirmed it wasn’t there in his previous tax returns. I don’t know how the situation ended, but it’s possible I saved my colleague 6 figures that day, if he acted fast and painfully amended N years of prior tax returns, and hopefully fired the CPA.

There are more modest variations of this, for example your averagely talented CPA is most likely not going to go beyond the 1099 and, say, go look up what percentage of your money market fund interest was state tax exempt and ensure you get a credit.

For these reasons, I just don’t use CPAs and consider the time I spent to learn my taxes well spent and I’m fairly confident I’m doing a better job than any CPA for my specific personal circumstances, aided by tax filing software and some reconciliatory spreadsheets. I just wish I had a software for the expat situation, since the EU/US taxation is such a nightmare and it’s what I’ll find myself in when I early retire soon.