Blog

Short blog posts, journal entries, and random thoughts. Topics include a mix of personal and the world at large.

Adult realities

As a kid who grew up watching The Fast and The Furious, playing Need For Speed: Underground, and reading Import Tuner, I’m all about aftermarket car modifications. To turn an otherwise stock car into something uniquely to my tastes. Do we even buy cars without first thinking about what different wheels to put on them? The stock exhaust has got to go! We need more loud and obnoxious.

Of course, adult realities hit, and I’ve found that I can’t ever pull the checkout trigger on car parts, especially not overnight ones from Japan. How do I explain to my financial advisor (read: me) that I’m going to spend 10% of the purchase price of the car - immediately after buying it - on another set of wheels. There’s nothing wrong with the factory set, other than the looks. The sensible thing to do is to wear out the stock wheels - depending on how you drive, wheels can be a wear item - before even thinking about replacing. To get my money’s worth, if you will.

It’s not just finances (or lack thereof), too. Honestly, my Mazda Miata could use a fruitier sounding exhaust. Set aside the fact a replacement back-box is nearly $1,000; where the heck am I going to store the factory exhaust? I certainly don’t want to sell it or throw it away, in case I ever decide to sell the MX-5 and need to return it to factory specification.

Alas, as a renter in San Francisco making under six figures, living space is at a premium. I don’t have a garage to perform maintenance with, never mind hoarding redundant car parts. I’m just happy I managed to live on a block where street parking is super easy. No one’s mad you’ve parked in front of their house, or leaving cones out to reserve space. If that weren’t the case, I probably wouldn’t own more than one car.

So I resign myself to scrolling with envy on instagram. Kudos to those of you who can drop thousands on wheels, thousands on suspension bits, thousands on bigger brakes, et cetera and et cetera. Broke boy over here shall be content with driving factory-stock cars, spending money only on gas, insurance, and maintenance. Cheers.

New opiate of the people

It’s wild to see the protests going on in France. Driven largely(?) by the younger generations and their dissatisfaction of their immediate future prospects. France, like most mature Western democracies, is in lots of debt, high inflation, with no chance to austere their way out of it due to entrenched obligations that largely benefit the older generations. A financial quagmire that is robbing Peter to pay Paul. Peter - the younger generations - is not having it any longer.

This leads to the question: can similar protests happen here in these United States? The same combustible factors certainly exist here. Just this year our national debt crossed the 40 trillion mark, an unfathomable level of indebtedness. There’s fewer and fewer workers to support an increasing aging population dependent on social security. Inflation remains high thanks to that Strait of Hormuz business. The prospects here don’t look all that difference from France.

I think a big buffer against potential small-scale anarchy that exists in America is the ease of credit. I would say easy credit is the new opiate of the masses. As social media can attest, it’s rather easy to attain the finer trappings of life entirely on debt. That lever is as large as it can comfortably fit inside a monthly balance statement. A new BMW M3 is imminently affordable when it is financed for 10 years at an enormous interest rate. The $1,000 Disney vacation is only really $250 when Klarna allows you to split that payment into four.

Should that lever become too burdensome on the other end, there’s bankruptcy to discharge all of it. A reset button like spawning anew in Call of Duty.

Now imagine if credit isn’t so freely available - if at all, and bankruptcy requires more vigor than writing a check to an attorney. The imbalance in our so-called K-shaped economy would be felt acutely. A whole class of people who cannot attend a Taylor Swift concert because there’s not mecahnism to put that $1,000 on a credit card. There’s going to be some disgruntlement! Perhaps violently like the ones in France currently.

Free-market capitalism cannot survive a lower class that feels completely neglected. I gesture at the various revolutions in history. Good news for the US is that we’ve implemented just the thing to satiate the lower rungs of the economic ladder: widely available credit, and bankruptcy back-stop. Mix in with all the gambling-adjacent products like prediction markets and the actual stock market, there’s enough hope and facsimile of abundance to temper any pitch-fork fantasies.

Don't be sad about it

Speaking of prices being in an unfathomable stratosphere, Porsche announced today the company is moving further upmarket. Because $130K for a poverty-spec Carrera, and effectively $300K for a GT3, isn’t enough of a barrier to entry. Aspirational? Never mind that. It’s a club you cannot join.

Back in 2019, I was able to buy a then four-year old used 911 GT3. It took a bit of stretching the finances, but it was doable. Fast-forward to 2026, and I cannot do the same with a now four-year old used 911 GT3. And my salary has increased since 2019! Because the new market for Porsches has inflated, the used market has followed right along with it. Middle-class enthusiasts like me are being priced completely out.

At least I have the good fortune to say I’ve owned a 911. Even though that chapter is forever closed, never to be repeated. Do I regret selling my GT3? I guess I do. I’m certainly sad about it from time to time looking back, but it was a necessary move. Other big changes in life necessitated parting ways with the dream car. I was not going to go into constant money worry and chronic debt just for this car hobby. Nope.

I like to look at regret like the Avengers going back in time to “borrow” the infinity stones. The me that kept the GT3 is on another timeline. A branch off this main timeline that I am currently on. The lament ends right when I recognize that the person who would have kept the 911 isn’t me. The person who should have studied abroad, isn’t me. The person who should have started weightlifting in his 20s, isn’t me.

The current me, the main timeline, is made up of the accumulation of regrets and mistakes. There’s no point in wishing for a different choice or outcome, because that Healy would be a completely different person. A Healy that picked up the piano at a young age and was studious with it is living life in another multiverse. Want as I may for this Healy to have had stuck with piano learning when I was young and my fingers lithe, it is just not me.

I have many regrets, but the Healy that didn’t make those mistakes is on a totally different path. There’s no need to be sad about it.

Unfathomable money level

Today I was reading a thread on r/sanfrancisco about a two-bedroom two-bath rental in the Sunset district costing $6,500 per month. That is both incredible and unfathomable. That amount of money is a bit more than my own monthly take-home, and I honestly do not view myself as making peasant money. A reality where people can spend that much on rent alone is difficult to conceptualize. $78,000 a year just to put a roof over your head.

But obviously there are plenty of people capable of spending those amounts. You watch enough Caleb Hammer and you begin to believe there’s lots of folks out there struggling financially and making stupid decision. On the flip side, there’s lots of folks making really good money and can spend with impunity. Look at this guy who casually spent $635K on a special edition Acura NSX, a practical museum piece because each additional mile is ruinous to its now record-setting evaluation.

Imaging spending house-level money on a vehicle you won’t drive! Meanwhile, I don’t think I’ve made that much money total in all my years of working. I might as well be on a separate planet.

I can see how someone in similar financial situation as me can easily get nihilistic about it. Cost of living is insane, housing prices are beyond the stratosphere, and then there’s social media indicating that it’s only you who is the broke one. Given those circumstances, I too would YOLO what little money I have into options markets or prediction markets. At least that gives me a puncher’s chance to attain the life that seemingly everyone else have. Because working a normal job isn’t mathematically going to get me there.

Maybe I should start lining up at Target on a weekday morning for the latest Pokemon cards release, hoping to score a card worth reselling. Or line up at Harbor Freight for the latest limited tool drop to then resell on eBay for profit. What’s the quickest way to multiple X my money so I can afford life.

I understand those that do. What are we supposed to do when the median rent price is higher than our take-home?

Man maths

I was perfectly content with my iPhone 16 Pro Max… until I saw reviews of the new iPhone 18 Pro series. New to the latest iPhone are updates to the photographic styles - essentially fancy filters for photos taken with the phone. I’ve been a fan of photographic styles since this very iPhone 16 Pro Max was launched with the ability to customize the default tone mapping. I can (finally) toggle the color and dial back the crunchiness that iPhone photos have sort of become notorious for.

New to the iPhone 18 Pro line is more tone options, one of which is film. Right along with the prevailing photography zeigeist, I adore the look of film. My primary shooter is a Fujifilm XT-5. Nostalgia Neg is my preferred film simulation, and I am fully happy with the JPEG files that are straight out of the camera. These days, Adobe Lightroom for me is more of a collation app than heavy editing.

I always thought it would be nice for the iPhone to have such a film simulation out of the box using the native camera app. I didn’t think it would happen, but by god Apple did it! I wasn’t at all planning to spend $1,200 for a new phone this year, yet the mighty corporation from Cupertino has done it again.

This is where a bit of girl man maths comes in. Firstly, thanks to the chronic memory chip shortage caused by the AI boom, both models of the iPhone 18 Pro series has increased in price by $100. I skirted that extra cost by downsizing from the Max model of my iPhone 16 Pro to the regular sized iPhone 18 Pro. Same price as the old phone, just smaller screen real estate. A necessary sacrifice.

Secondly, my existing iPhone 16 Pro Max is fully functional and unblemished, so a perfect trade-in candidate. That knocks the price down by $610. Third, I opted out of buying AppleCare for the new phone, which I bought and carried on the old one. As someone who takes care of his stuff really well, the extra insurance is a needless financial outlay. So, save some additional money there.

Lastly, for the first time in my iPhone owning life, I bought a third-party case. $50 (plus tax) for Apple’s first-party case is ludicrously expensive, given there are so many Chinese-made options on Amazon that are just as nice, for about $15. Even if the third-party case doesn’t last as long, there’s enough money difference to buy two more before equaling the price of one Apple case.

That’s how I do man maths: make a big purchase, then find small ways to alleviate the total expenditure.

Give me the money

It’s health care open enrollment season at my place of employment. That means the updated pricing figures for the coming year are out for the respective health plans. It’s always interesting to see just how much the employer is pitching in every month towards my health care. Annualized, it’s over $12,000.

I know that’s a part of my total compensation package, but psychologically it’s not that tangible. It’s money that I don’t see ever. The take-home that reaches the checking account every pay period is what’s most salient. And because I’m rather on the healthy side, my interaction with health care provider doesn’t go beyond the annual physical. So you’re telling me that’s worth $12,000?!

What if that money is given directly to me instead - to use however I want. Now obviously health insurance is important, so I’d still go on the ACA marketplace to buy something. Surely there’s plans that are significantly cheaper than $1,000 a month. Weaker coverage is likely, but I’m okay with paying higher deductibles so long as the true catastrophes are covered. That’s what insurance should be.

What would I do with the leftover cash? Invest it, of course. Compounding is our best friend. If that money is truly considered compensation, then let me decide how to best use it. Throwing money towards good health insurance is not maximizing its utility, given my current station in life. My tune would no doubt change if I were to have dependents.

Isn’t that a big argument against universal healthcare in America: the preservation of choice? That ought to include how much healthcare I want to have, especially if employers are giving out that money regardless. Give me the cash directly, I’ll figure out the rest. It’s like using your personal credit card for work related things and getting reimbursed later: you get to keep the credit card points!

Losing car enthusiasm?

Lately on the car enthusiast inter webs I’ve seen quite a few posts and videos lamenting the decreasing passion for cars. One person was asking if it’s alright to be car guy/gal and not own any “fun” cars. The Savagegeese Youtube channel put out an explainer on why people are losing interest.

The crux of it seems to be the fun cars we all love and want have massively increased in price. We are being priced out. Take a look at the Porsche 911 - the sports car icon: before the pandemic, a 2019 model year 911 started at $93,950 for the poverty spec Carrera trim. Fast forward to the present, and that same spec Carrera is now $135,500. That used to be high trim GT3 money, but now one of those is $238,150 starting. Utter insanity.

And because the current 911 range has inflated so highly, the used Porsches have equally jumped in value. A used 911 isn’t the bargain it used to be. Bottom line is, if you are looking for a 911 of any vintage and trim, 2026 is not a good time to be doing so. And this pricing phenomenon is shared by many other enthusiast car nameplates. A new Ford Mustang GT with a few options is into the $50,000s. Before the pandemic, it was only in the high $30,000s.

But we are not entitled to a 911 that we can afford. Nor a Mustang, or a BMW M3 Competition.

There are affordable enthusiast cars. The Mazda MX-5 Miata and the Toyota GR86 (and its Subaru BR-Z twin) are right in the mid 30,000s in pricing, and have everything that car enthusiasts care about: naturally aspirated engine, manual gearbox, rear-wheel drive, and limited slip differential. The Miata even rides on a completely bespoke and unique chassis. It’s as pure a sports car as it can get for any price. Instead of pouting about the heavy Porsche tax, go buy an MX-5 or a GR86.

Ah, but they won’t. The cars we drive are an extension of how we want to present to the world. The Mazda and the Toyota don’t carry enough cachet, not enough status. Owning a Porsche 911 means something more, something you can peacock outward to the world. That’s why you can’t go to a Cars and Coffee without seeing at least a dozen of them. So they nitpick the MX-5: it’s too small, and not powerful enough. Can’t buy.

People saying they are losing enthusiasm in cars is but a smokescreen for the real problem: the cars we want to show off to others with have become out of reach financially. You didn’t lose interest in automobiles, you’re just mad the cool cars that maximizes social media clout have gotten too expensive. Oh, another million dollar hypercar that I cannot afford?

Because if it’s truly about driving, then economical options still exist in today’s wacky new car market. The aforementioned Miata and BR-Z. Want a bit more power? Nissan sells a Z with 400 twin-turbo horsepower with a manual for less than $50,000. Turbocharged and all-wheel drive? Subaru sells a WRX for $32,495 base.

This is similar to people saying new cars in general have gotten too expensive. Average new car prices in America is above $50,000. However, the Toyota Corolla is a perfectly fine sedan for $25,000 that will run for the next decade on just oil changes. But nobody wants a Corolla. Everyone “need” the latest SUV thing with all the gadgets. Of course the latter will cost a proverbial pretty penny. Cars aren’t too expensive, the cars you want to buy, are.

Monetarily sensible options exist in the market, and yet people abjectly refuse to entertain them. instead, they create a straw-man of automaker greed and bludgeon it to death. Every news article of Porsche’s struggle is met with jeers from the Reddit peanut gallery about how it’s because they are charging too much for the 911. Even though actual 911 sales have never been better. Jealousy wrapped up in hatred is what it is.