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Comment by scubakid | Hacker News Reader

Would you prefer to see those sandbox examples configured differently? Or would you rather see a different and more nuanced kind of sandbox system where it asks you some questions first and constructs an example based on your responses?

Oh and to answer your question on DB vs DC -- if you're talking about the workplace pension cash-flow priority, that would be for modeling Defined Contribution pensions. For DB, that's an integrated section within the corresponding income stream.

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I came here to say the same thing. Defined benefit pensions are very rare these days in the UK.

Also I have to add that your sentences saying, "workplace pension cash-flow priority" and " corresponding income stream" are very confusing.

I think the figures for the UK example are not great. Living expenses, health care, and medical expenses are a lot larger than seems correct.

Also you should probably put a tool tip defining concessional vs non-concessional Australian superannuation. Also that should be in AUD rather than £

Amazing interface BTW

Display currency is more of a global setting (About You section), and iirc the Australian sandbox example should already be using AUD there(?)

When you add a new account or cash-flow priority for super contributions, the choices should have subtitles distinguishing Concessional from Non-Concessional. But sounds like there are some other places it would be helpful to show those subtitles too?

Always happy to tweak/update the sandbox examples based on what folks would like to see. Any good data sources you'd recommend for more typical UK expense figures?

Oz super is always going to be in AUD even if the subject is living in the UK. Does your system support investments in multiple currencies? ;-)

More typical UK expense figures is a really hard one. I think we've got a crazy wide spread of incomes and expenditures the same as the US but with differences such as almost nobody earning average income will spend any of it on health care.

When you launch the sandbox you have to select some kind of template (the implications I think aren't completely clear at that stage, I understand better now). If you're in the UK, there are two options, described as (from memory) 'early career with a pension and some savings' and 'mid-career with a defined benefit pension'.

It just doesn't really make sense as a coupling, if I'm early career with a DB pension or mid-career with DC it's not clear which is the better pick or how much it matters. As far as I can tell having selected one and played with it just briefly, it doesn't matter at all because all it does is set some numbers you can change anyway, there's no built-in knowledge/logic of specific country pension schemes or tax treatments?

My intent with the sandbox was just to make it easy for folks to quickly hop into the tool and get a sense for what you can do with it, without the friction of needing to go through the full onboarding process and dig up a bunch of numbers to plug in... the idea being that if you want to give it a real try with a more tailored scenario, you'd typically start over and do the normal onboarding flow.

Does that help clarify? And/or do you feel like a different approach for the sandbox would have been better?

I would just remove reference to defined benefit pension, it doesn't really make sense & isn't important. Afaict nothing else needs to change, it's just confusing copy.

I like the tool & UI & feature tour though. :)

Interesting, so you would recommend keeping the floating tour widgets? Some other commenters found those obtrusive... er, I guess "useless" was the precise word haha.

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