Blog

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

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 live 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.

Half of it is gone

Surprise! Half of 2026 is already gone. I hope you are able to look back and say the past six months has been time well spent. And if you cannot say that for yourself, then it’s time to get off your ass!

I would say my first half of the year has been rather uneventful. But that’s good, right? Boring is good. It is suppose to be boring. Novelty is great, but too much of it means a lack of focus. You pick something to do for a long time and there are for sure going to be dog days.

Much of my weekends in 2026 was focused on getting my new-to-me 2019 VW Golf GTI up to shape. It was exhilarating to wake up on Saturdays with the lastest thing to fix, or the latest item to install. If fairy godparents somehow bestowed upon me the endless money glitch, buying used cars and fixing them up would be something I genuine would do everyday.

Obviously that’s not how reality works. People speak of following passions, but as someone with an entrepreneurial business degree, passion is only the spark. The fuel to sustain the burn is where the proverbial rubber meets the road. Often times people are unwilling to marinate in the minutiae of it all. How are you going to sell your talents? Putting down “it will work out” for the marketing section would have gotten you an F in class.

Or perhaps there isn't fuel to burn at all - the thing you’re passionate about is not financially viable. For me, there’s very little business in fixing up used cars to then not sell. So a hobby it remains. That means for five days out of the week, I have to put in time at a place I’m not nearly as enthused about, in order to be able to do the thing I am super motivated for. And honestly, that in between time can get mighty frustrating. Never mind the other parts of human living that gets in the way, like eating and self care.

Those afflicted with passion can attest to the times when you’re so into doing something, sleep is a mere suggestion. You just want to keep going. And you do!

I think I’ll spend rest of 2026 coming to terms with that fact that my ability to follow my passions is predicated on accepting that it will be cyclical. And that the days without will be way more numerous than the day with. No wonder artists of pre-modern times had moneyed patrons!

We're all paying for it

You know RAM prices have truly gone off the deep end when Apple of all companies is raising prices on their products. The same Apple that famously already charges a premium for extra storage and memory. It seems even those fat margins are not enough to swallow the hyper inflation of semiconductor chips due to the supposedly AI revolution. It now costs $1999 for the base MacBook Bro, up from $1699. Kind of insane.

I guess this M1 Max MacBook Pro of mine will solider on until it literally dies.

All eyes now turn to the annual September iPhone event. Will the iPhone get a price bump for the first time in a long time? Place your bets at your prediction market platform of choice.

AI has been cashing checks and making promises (still a solution looking for a problem if you ask me), and yet the downstream negative effects are burdened by everyone. We’re all paying for it, just so Silicon Valley can keep on minting fresh new millionaires and bilionaires. An iPad for grandmother is now $150 more expensive - thanks to AI-caused inflation, even though AI won’t touch her everyday life in the slightest. Our utility bills keep going higher thanks to data centers drawing energy the equivalent of entire cities.

Whether you use Chat-GPT or not, you’re paying for it one way or another. That’s not very fair, is it?