u/matto89

During math in school I much preferred word problems to regular equations, and neither at that time nor now have understood why people don't like them. A word problem grounds the abstract equation into something concrete and understandable.

I always thought I hated math until I realized my love of word problems just meant I like to ground my understanding in practical things, and have since used that to self learn/relearn calculus and other types of math.

I just started using todoist regularly, and am liking the ease with which I can add and manage tasks. Previously I was using Microsoft To Do and this is worlds easier.

I think I have a unique question/style, and I don't believe I can continue doing my flow on todoist, or at least I can't figure it out. I was hoping someone here might have an answer.

If I have a recurring but overdue task, where the recurrence frequency is less than the amount of days said task is overdue, is there a way to have it so that upon completion the new task remains overdue? Perhaps an example,

I have XYZ as a daily task, but its been 4 days since I last did it, that is 4 days overdue. Finally, I finish XYZ, todoist makes the next task "tomorrow", but I would like the next occurence to be "3 days overdue".

Between work, kids, and general life I never find myself finishing everything on my todo list. However, I like to scan my "today" for items that have to been done today, and then once those are done I just do whatever is most overdue. Overdue recurring tasks bumping all the way until "tomorrow" have thrown off my system. I can but I don't want to go back to Microsoft To Do or take the energy to learn a different system.

I feel stupid. I just realized that the "Ojai" everyone is excited about is a car. I thought everyone was just incredibly excited to visit Ojai, California. A great city no doubt, but was confused why everyone was this excited.

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So when is the Ojai coming to Ojai?

I am setting up the investment side of my US Health Savings Account (HSA), and wanted to get a bit of a 'Rational Reminder' community perspective.

Context/Core Plan: I plan to float most of my medical expenses and save the balance for retirement health care expenses. As such, in line with my preferences of Scott Cederburgs work, my core portfolio would be something like, 50% total market, 25% US, 25% ex-US.

Commentary welcome but not main question: however, I said that I plan to float most of it. I am thinking a 10% allocation to TIPS to help cover medical expenses I may not be able to float. Even Dr. Cederburg indicated that the main downside of Bonds is inflation, and inflation protected bonds may have a small role. And I am using this role as the insurance against unexpected larger medical bills.

Core question: However, I am curious the Rational Reminder Perspective on setting aside a small portion of my HSA portfolio to overweight healthcare stocks. Specifically as a hedge against healthcare expenses.

I would be open to thoughts on the health care overweight (or secondarily the bonds), and if you would overweight what you think a 'rational hedge' would look like.

Here is the portfolio I am considering:

40% VT, 20% VTI, 20% VXUS, 10% VTIP, 10% VHT