Whats the right metric to consider credit card debt bad, or degrees of badness? When looking at nations, we look at debt compared to GDP. So for individuals, it would be debt compared to income? So someone who makes 20k and has a 10k credit card debt, is in the same bucket at someone making 200k with 100k in credit card debt. But, the 100k in debt person is in more trouble than someone who makes 500k and has 200k in debt.

"Household Debt Service Payments as a Percent of Disposable Personal Income": https://fred.stlouisfed.org/series/TDSP

That's the right metric, thank you. And this looks like it's relatively low.

They only started measuring in 2005. I wouldn't consider 10% low tbh.

One interesting metric would be the shrinking percentage of your credit report landlords use to make decisions.

America: if you owe the bank 100 trillion dollars it is the bank that has a problem.

It defends how you want to define success, but I would lean towards ChatGPT.

You would lean towards a resume that says "I learned from ChatGPT"? What does that even mean?

You don't have to literally say that. You just work in the skills you have acquired.

For coding or talking to it? $20 is ok to chat I guess. $100 is minimum if you do this for a job.

You are feeding customer/employer code into systems that the customer/employer has not provisioned for you?

If you’re writing software professionally, does the “can’t afford to pay for Claude code” they were talking about apply?

Normally includes overtime and only the best few years. Can juice it to get a pension around your 40 hour salary for life.

But why did you flip that true to false? It sounds like a missing unit test. So at a minimum it’s do the flip, find the right place to unit test, and write a test. Or I just tell my LLM “this should be false because of X, fix and write a test”

Open router is a 5% tax? If you use it seriously may as well skip it

I don't have an LLM-positive culture at work. I'm on a bit of an island. Or under a rock.

Anyhow, I'm pulling myself up by my own bootstraps.

For me a 5% overhead is fine... if it gives me better visibility of this rapidly moving field.

It’s something like up to 6 can fail and it keeps going, seems pretty good. I know they did some stuff like remove a heat tile to get failure feedback, wonder if engine was planned or accidental

Accidental since they didn’t make the sub-orbit they were aiming for and thus couldn’t test engine re-light.

Are we talking 1 GPU or 8?

Hum I normally am doing a clean context for the sub agent. If I want my context I do it in the main session, if it’s side work I want a clean small context with just the directions.

Only feee if you are using 100% efficient resistance heating. A heat pump can be up to 400% efficient. And natural gas is a lot cheaper per dollar. So for most people… it saves a tiny bit but not free.