Financial independence is one of the core values in the Osipov household. We invest for the long term and maintain a stock-to-bond ratio that reflects our goals and risk tolerance. However, over time, the ratio gets out of date, and we use a handy spreadsheet to catch the imbalance and inform our adjustments.

It’s no secret that I love tinkering with spreadsheets: we keep a master spreadsheet which tracks our networth, income, expenses, mortgage, allocation, and any other little thing our heart desires. We perform a major annual financial review around New Year’s Eve, complete with presentations and champagne - it’s quite an event, and yes, we’re dorks. It’d be much harder to extract insights without diligent record-keeping throughout the year.

Each year we make a new copy of the spreadsheet, and we’re on 9th iteration at this point. Initially our spreadsheet was based on IndyPendent’s One Sheet to Rule Them All, but we’ve diverged quite a long time ago.

Here’s a screenshot of the sheet we use for tracking allocation within our portfolio and as a guide for occasional rebalancing (with some sample data filled in):

It allows me to set targets and see our current distributions: we care about stocks vs bonds split as well as US vs international market. It’s simple, manual, but has been working well for us. Over the years I tried more complex and “smart” solutions, but nothing beats this spreadsheet. Just like with our investment philosophy, simple truly is better than complex (thanks, PEP 20).

I extracted the allocation sheet from our mega-spreadsheet: feel free to copy Ruslan’s Allocation Sheet and tinker with it to your liking.

I haven’t posted on my blog in a while. Besides life getting in the way, most of the stack the site was built on has become obsolete and out of date. I couldn’t really do much without a major refresh, which I finally managed to complete a few days ago.

Now, for a belated announcement: I published the second edition of Mastering Vim (a little over 9 months ago)!

This edition features new (charming) illustrations, updated and improved code examples, and teaches you how to use Vim9script. I’ve also removed about 30 pages of unnecessary content from the first edition—I’m getting better at writing, after all! I believe the second edition of Mastering Vim is a fantastic introduction to Vim.

I’m also pleased to mention that this edition has been thoroughly edited by Christian Brabandt, a fitting successor as the lead of the Vim project after the passing of Bram Moolenaar, the original creator of Vim, in 2023.

If that sounds interesting, consider picking it up on Amazon (unfortunately your local bookstore is unlikely to stock one).

Our digital life increasingly exists primarily in the cloud. Documents, photos, emails, passwords: all of this resides in the cloud. And be it One Drive, iCloud, Google Drive, or Dropbox - you don’t really own any of it.

We trust these companies with our digital life and take their reliability for granted, but it’s worth remembering that nothing in this world is a guarantee. The likelihood of an outright failure of these services is relatively low; Google, for example, stores copies of all data in data centers across three geographic locations (often across multiple regions). Microsoft, Amazon, Apple and other giants follow equivalent policies. The real threat with this storage is bureaucracy. Your account can be erroneously flagged and banned: automated systems that constantly scan for policy violations aren’t perfect and can misfire. Your account can get hacked, even with a strong password and two factor authentication. Navigating account restore process and getting access back can take weeks, months, or be altogether impossible.

Because of this, local backups are critical if you care about your data - which you probably do.

3-2-1 backup strategy

A common, straightforward, and widely used rule of data backups is referred to as the “3-2-1 rule”:

• Keep three copies of your data.
• Use two types of media for storage.
• Keep one copy off-site.

In fact, you’ll be hard-pressed to find a cloud service provider who doesn’t subscribe to some (likely more complex) variation of this rule.

We’ll satisfy the 3-2-1 backup rule with a dedicated backup drive and a home computer you likely already have:

• ✔️ Keep three copies of your data: (1) in the cloud, (2) on a dedicated backup drive, and (3) on a home device you already have.
• ✔️ Use two types of media for storage: (1) in the cloud, and (2) on our backup drive.
• ✔️ Keep one copy off-site: you’ll keep your backup drive at home, which is a different location from the cloud data centers.

Use an external HDD for backups

Solid state drives - SSDs - are all the rage today: they’re blazingly fast and have become relatively affordable. But you don’t want an SSD for a backup: SSDs reliability isn’t great when left unpowered: with the low end of failures occurring at merely the one-year mark. And since it’s a backup, you’ll want to leave it unpowered.

No, for this you’ll want a hard drive - an HDD. We’ll be trading read/write speed for reliability. External hard drives are affordable, don’t need to be powered to store the data, have been around for ages, and degrade more slowly. A quality hard drive should be mostly reliable for 5-7 years, and can be repurposed to a tertiary backup storage after that. Set a reminder in the future for yourself to do that.

Finally, some data can be recovered from a failed HDD, while failed SSDs are largely unrecoverable.

Survey your space needs, and use a hard drive a few times the size for scalability. I use a 4 Tb Seagate portable HDD, and it’s working just fine.

Use an existing device for tertiary storage

You likely already have some devices you could use at home. Maybe a laptop you’re currently using, or an old desktop tower you haven’t plugged in for years. Using this device will help ensure reliability and longevity of your data.

If you don’t have anything you can use, or your existing storage is too small - violating the 3-2-1 backup rule is better than having no backup at all. Use an external HDD, which you can downgrade to tertiary storage once you replace it in 5-7 years.

On encryption

Encrypting or not encrypting your backups is a personal choice.

You’ll likely be backing up important documents, which makes encryption critical for security. If the backup gets stolen, your whole life can be turned upside down (although this possibility still exists today if someone hacks into your cloud account).

However, because backups tend to live a long time, encryption can have downsides: tools can change, and most importantly you can forget your password. You also can’t decrypt a partially recovered backup: it’s all or nothing.

If you choose to encrypt, consider using established and mature open source encryption tooling like gpg (I wrote about how to use GPG all the way back in 2012).

It’s not all or nothing either: you can choose to only encrypt sensitive documents, but leave less sensitive media like photos, videos, or music unencrypted.

I do not encrypt my backups because I worry about forgetting my password by the time I need to recover the backup. I have a tendency to get in my own way: I couldn’t recover some writing I’ve backed up in 2012 because I couldn’t figure out what the password was. How fun.

Extracting data from Cloud

Internet giants allow you to download all your data in a fairly convenient manner. Google has Google Takeout, which lets you download data across services (Google Drive, Photos, email, etc). Apple allows you to request a copy of your data, and Microsoft allows you to submit a privacy request.

Don’t forget about other service providers who store your data like email providers or password managers.

Back up regularly

Set up a routine you’ll follow. For me, it’s every year. I won’t follow a more rigorous backup routine, and the trade-off of losing a year worth of data is worth the convenience of infrequent backups.

As our lives become more intertwined with the digital world, protecting your data is essential. By following the 3-2-1 backup strategy and using reliable storage, you can safeguard your data against unexpected mishaps. Regular backups and smart encryption choices will help keep your digital life secure and accessible. So, take a moment to set up your backups today - you’ll thank yourself later for the peace of mind that comes with knowing your data is safe.

Back in 2014 I abandoned WordPress for Octopress. It’s been especially amazing for page load speeds, and I also enjoyed the fact that GitHub Pages are completely free - and I only need to pay for a domain name. Hosting a website can get expensive.

Octopress was a shortlived framework built on top of Jekyll, focused on blogging and designed to run on top of GitHub Pages. Unfortunately the development stopped in 2015, and now, 10 years later, I couldn’t set it up on a new machine due to most dependencies getting dangerously out of date.

I chose to migrate to vanilla Jekyll, since it’s a static site generator which is built on top of simple markdown and HTML files. Jekyll’s been around for some time, and I’m hoping Microsoft won’t be shutting down GitHub pages any time soon.

The whole process only took a couple of hours, and I’d like to document some highlights and lowlights. You might find it useful if you’re setting up a new Jekyll blog, or, like me, still have an Octopress blog that needs migrating.

Fresh setup

I went with a fresh Jekyll setup, by installing Jekyll and running jekyll new blog. I successfully copied over old _posts and images, and ported the relevant parts of _config.yml from Octopress to vanilla Jekyll.

Octopress uses liquid {% img %} tags, which aren’t natively supported in Jekyll. I took the opportunity to convert those to markdown style syntax. I only have a few hundred posts, and I used a Vim macro to convert all {% img /foo/bar.png baz %} to ![baz](/foo/bar.png).

By default Jekyll comes installed with the minima theme, which I found to be mostly sufficient for my needs. I was able to override specific theme files by copying them from gem installation location to my blog directory and modifying them. Turned out to be straightforward and customizable. For example, I transferred the way Octopress pagination looks by modifying _layouts/home.html.

For backward compatbility, I also had to move RSS feed to /atom.xml by modifying _config.yml:

feed:
  path: /atom.xml

I could immediately run the site locally with bundle exec jekyll serve --baseurl="".

Missing functionality

Two major things were missing straight out of the box: archive and category pages.

I grew attached to my archive page, and recreating it only took a couple of minutes. All I had to do is add an archive.markdown page to the site’s root directory:

---
layout: page
title: Archive
navbar: Archive
permalink: /blog/archive/
---
  
{%- assign date_format = site.minima.date_format | default: "%b %-d, %Y" -%}

<div>
  <ul>
    {% for post in site.posts %}
      {% capture this_year %}{{ post.date | date: "%Y" }}{% endcapture %}
      {% unless year == this_year %}
        {% assign year = this_year %}
        <h2 style="margin-top: 1em;">{{ year }}</h2>
      {% endunless %}
      <li>
        <a href="{{ root_url }}{{ post.url }}" itemprop="url">{{ post.title }}</a>
        <span class="text-muted">| 📅 {{ post.date | date: date_format }}</span>
      </li>
    {% endfor %}
  </ul>
</div>

Building category support turned out to be messier and more complicated. I didn’t want to write up a custom solution, and ended up with some technical debt I’ll probably have to address in the future (wink-wink, this will never happen).

I used jekyll-category-pages gem, which worked okay-ish. The instructions on field-theory/jekyll-category-pages are extensive and aren’t too difficult to follow - I appreciated not having to write my own category pages, but I had to:

1. Stop category pages from being automatically added to the navigation bar.
2. Disable pagination on category pages, because for some reason it really didn’t work with jekyll-category-pages.

I also added my own basic category index pages by creating categories.markdown:

---
layout: page
title: Categories
navbar: Categories
permalink: /blog/categories/
---

{% assign category_names = "" | split: "" %}
{% for category in site.categories %}
  {% assign category_names = category_names | push: category[0] %}
{% endfor %}
{% assign category_names = category_names | sort %}
  
<div>
  <ul>
    {% for category in category_names %}
      <li>
        <a href="{{ root_url }}/{{ site.category_path }}/{{ category | slugify }}">{{ category }}</a>
      </li>
    {% endfor %}
  </ul>
</div>

GitHub Pages

While GitHub Pages documentation is extensive, getting Jekyll to work with GitHub Pages took longer than I’d like to admit. Specifically, Gemfile generated by running jekyll new blog misleadingly tells you to comment away the latest version of the jekyll gem and instead use the github-pages gem:

# Happy Jekylling!
gem "jekyll", "~> 4.4.1"
# If you want to use GitHub Pages, remove the "gem "jekyll"" above and
# uncomment the line below. To upgrade, run `bundle update github-pages`.
# gem "github-pages", group: :jekyll_plugins

You don’t want to do that, oh no. Because the default GitHub Pages gem is stuck in the past on the 3rd version of Jekyll (and at the time of writing we’re on version 4), which caused all kind of hidden problems - including the fact that my URL slugs silently weren’t getting generated right. I switched back on the jekyll gem and set up a custom GitHub action to deploy the site:

name: Deploy Jekyll site to Pages

on:
  push:
    branches: ["master"]

  # Allows you to run this workflow manually from the Actions tab
  workflow_dispatch:

permissions:
  contents: read
  pages: write
  id-token: write

concurrency:
  group: "pages"
  cancel-in-progress: false

jobs:
  # Build job
  build:
    runs-on: ubuntu-latest
    steps:
      - name: Checkout
        uses: actions/checkout@v4
      - name: Setup Ruby
        # https://github.com/ruby/setup-ruby/releases/tag/v1.207.0
        uses: ruby/setup-ruby@4a9ddd6f338a97768b8006bf671dfbad383215f4
        with:
          ruby-version: '3.1' # Not needed with a .ruby-version file
          bundler-cache: true # runs 'bundle install' and caches installed gems automatically
          cache-version: 0 # Increment this number if you need to re-download cached gems
      - name: Setup Pages
        id: pages
        uses: actions/configure-pages@v5
      - name: Build with Jekyll
        run: bundle exec jekyll build --baseurl "$"
        env:
          JEKYLL_ENV: production
      - name: Upload artifact
        uses: actions/upload-pages-artifact@v3

  # Deployment job
  deploy:
    environment:
      name: github-pages
      url: $
    runs-on: ubuntu-latest
    needs: build
    steps:
      - name: Deploy to GitHub Pages
        id: deployment
        uses: actions/deploy-pages@v4

Don’t forget to set “Build and deployment source” to “GitHub pages” in the repository settings to actually use the action.

My Octopress blog was set up in a source Git branch, and content was generated into the master branch. I wanted to change that to have the source in the master branch (the action above won’t work without that), and I was able to replace my master with source with the following set of commands:

    git checkout master
    git pull
    git checkout source
    git merge -s ours master --allow-unrelated-histories
    git checkout master
    git merge source

We merge the master branch into source using ours merge strategy (effectively ignoring the master branch history), and then merge that back into master.

Positive experience

All in all migrating to Jekyll has been a great experience, which is a testament to Jekyll community’s dedication to thorough documentation. Knowing that Jekyll is a mature, maintained, and documented project, and that GitHub Pages infrastructure is reliable and supported, provides a sense of stability. I hope this results in Jekyll and GitHub Pages becoming a (reasonably) future-proof platform for my blog. But let’s check back in in 10 years - see you in 2035?

I’ve thoroughly enjoyed Essentialism, a book that encapsulates the simple yet powerful notion of “do fewer things, do them well.” There’s not much else to it. While this philosophy is straightforward, it’s the way Greg McKeown presents and reinforces this message that makes the book truly compelling.

Having Essentialism in physical form proved invaluable. I filled the margins with notes, worked through exercises alongside the text, and took the time to fully absorb the material as I progressed.

Essentialism is not a new concept, but the key takeaway is the author’s focus on truly internalizing the message. “Focus on things that matter, trim the excess” is a simple motto to remember, yet challenging to implement. Throughout my life, I’ve adopted many of essentialist practices in one form or another, from guarding my calendar to learning to say “no” to prioritizing essential projects. However, over time, clutter inevitably creeps in.

McKeown wisely focuses on routines that support the essentialist lifestyle, emphasizing the importance of dedicated time for reevaluation and recentering. He suggests establishing routines that prevent slipping into the frantic “onto the next thing” mentality so prevalent in the modern corporate world.

An analogy that particularly resonated with me is the closet metaphor. While you can declutter your closet once, it will eventually refill with clothes you don’t need. To keep your closet tidy, you need to have a regular time to reevauate your outfits, know where the nearest donation center is, how to get there, and what hours is it open. Similarly, McKeown provides methodologies to regularly reevaluate our priorities, supporting the rigorous process of regularly discarding the non-essential.

Essentialism extensively focuses on routines, practices, and exercises. The edition I read includes a “21-day Essentialism Challenge,” a helpful list of concrete activities corresponding to each chapter. While some prompts, like “take a nap” or “play with a child for 10 minutes” are a bit silly (where am I supposed to find a child on a Tuesday, Greg?), many steps effectively reinforce and integrate the material into your daily life, such as “design your ideal calendar,” “practice saying no gracefully,” or “schedule a personal offsite.”

The latter suggestion, scheduling a personal offsite, left a significant impression on me. It’s time dedicated to strategizing around your personal and professional goals. While I occasionally reflect on my career and life, McKeown elevates this practice into a ritual – a full day focused on self-reflection, planning, and deliberate action.

Essentialism is a helfpul book that prompts the reader to think about the routines one can put in place to change the way we approach life. It’s a reminder that less can indeed be more, and that by focusing on what truly matters, we can create a life of greater purpose, meaning, and fulfillment.