Does regular use of tadalafil fades effect in long term
I have one question in mind from long time. Does regular use of 5 my tadalafil reduce its effectiveness in long run
Do we have to cycle the drug?
u/Minimum-Error4847 — 1 day ago
u/Minimum-Error4847
39 yr old with 1.10 cr home loan, how do i navigate my life
39M, ₹1.10 Cr ($1,28,600 USD) home loan — how do I not let this consume the next 20 years of my life?
Just took a ₹1.10 crore home loan. I'm 39, which means a standard 20-year tenure takes me to 59 — basically my entire productive earning window.
Some context:
- Salaried, stable income, IT sector (but worried as hell due to ai advancement)
- This is my first and only property
- No other major loans currently
- Have some MFs and a small emergency fund
What I'm trying to figure out:
Prepayment vs investing — At current home loan rates (~8.5–9%), is it better to prepay aggressively or keep investing in equity MFs that could beat the loan rate over 10+ years?
Tenure strategy — Should I target a hard payoff by 50–52 instead of 59? What's the math on partial prepayments every year?
Emergency fund sizing — I've heard EMI x 6 months as a rule. With a ₹1.10 Cr loan that's a significant chunk parked idle. Any different takes?
Psychological angle — Anyone else feel the weight of a 20-year liability at this age? How did you reframe it?
Thanks in advance.
u/Minimum-Error4847 — 3 days ago
Solo dev 3-4 months. Finance app. Just shipped. Honest breakdown
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This is not generated by ai so my post might have some mistakes so bear with me
I am frontend dev by day and builder by night. For past 3-4 months I am building personal finance assistant not because there are not any available on play/app store but because nothing makes me stick
My requirement was simple I don't want to fill lengthy form just for logging expense or income
So started building what I wanted and here it comes... We are just live on play store appstore is currently in review
What smira does
- type amazon 100 or Starbucks 15 and our parsing algorithm parses the entry into appropriate expense or income table
For auto categorisation we have trained local model on 18 k global finance category entries so it mostly assume correct even if it fails we give tap to categorise option so user can have correct category
you can set budgets and goals... If you overspend our algorithm detects it and you will be notified... Till now no ai comes I picture..
chat page - this is entry of ai.. You can ask all kind of financial questions on your data... Log multiple entries in one go delete entries or update with natural language.. Ai just plays with number we do not share any user details with llms
insights page will be your mirror on your financial
situation. It will tell you what's going on it will take you next projection on current spending pattern where you are overspending etc
- reports are integral part and you can download reports anytime.. Though this is pro feature but it will give you day wise entry wise expense and income report which you can export as pdf or csv
My goal was simple I needed something simple to track my money so I build it for my self hope it will also solve your problem
Tools used - gpt 5.4 for coding and gpt 5.5 for architecture.. Reviewed the code so it's not 100 percent vibecoded
Not afraid of failing though... If this app fails to gain traction no worries I have Iearned a lot during building process... Will try again
Open for questioning
u/Minimum-Error4847 — 19 hours ago