diff options
| -rwxr-xr-x | hledger-allocation | 21 | ||||
| -rwxr-xr-x | hledger-date | 6 | ||||
| -rwxr-xr-x | hledger-fadd | 70 | ||||
| -rwxr-xr-x | hledger-level | 134 | ||||
| -rwxr-xr-x | hledger-networth | 7 | ||||
| -rwxr-xr-x | hledger-overview.hs | 362 |
6 files changed, 0 insertions, 600 deletions
diff --git a/hledger-allocation b/hledger-allocation deleted file mode 100755 index 077e1b8..0000000 --- a/hledger-allocation +++ /dev/null @@ -1,21 +0,0 @@ -#!/usr/bin/env bash - -function cleanup() { - tail -n1 $1 | tr -d [:alpha:] | tr -d [:blank:] | tr -d [=,=] -} - -networth=$(hledger bal ^as ^li --value=now,USD --auto --output-format=csv \ - | tail -n1 \ - | tr -d [totalUSD,\"]) - -#commodities=$(hledger commodities) -commodities=("BTC|sat|SAT|GBTC" GROQ USD ETH BCH LTC XLM) - -printf "networth: %.2f USD\n\n" $networth - -for com in ${commodities[@]} -do - n=$(hledger bal ^as ^li cur:"$com" --value=now,USD | cleanup) - pct=$(bc -l <<< "$n/$networth*100") - printf "%s: %.1f%%\n" $com $pct -done diff --git a/hledger-date b/hledger-date deleted file mode 100755 index 1f524d4..0000000 --- a/hledger-date +++ /dev/null @@ -1,6 +0,0 @@ -#!/usr/bin/env bash -for n in $(seq 0 31); do date -d"$n days ago" "+%Y/%m/%d (%a)"; done \ - | fzf --height 50% --reverse --delimiter '/' \ - --preview="gcal -H yes %{1}{2}{3} && hledger --color=yes reg date:\$(cut -f1 -d' ' <<< {1}-{2}-{3})" \ - --preview-window 'noborder,right,80%' \ - --header-first --header "Today is $(date '+%Y/%m/%d (%a)')" diff --git a/hledger-fadd b/hledger-fadd deleted file mode 100755 index 36e762a..0000000 --- a/hledger-fadd +++ /dev/null @@ -1,70 +0,0 @@ -#!/usr/bin/env bash - -function fz { - readarray -t lines < <(fzf \ - --height 50% --reverse --expect alt-enter --print-query "$@" \ - --bind "pgup:preview-page-up" --bind "pgdn:preview-page-down" - ) - query=${lines[0]} - enter=${lines[1]} - match=${lines[2]} - if [[ "$enter" == "alt-enter" ]] - then - echo "$query" - else - echo "$match" - fi -} - -accounts=$(cache hledger accounts) -payees=$(cache hledger payees) - -date=$(for n in $(seq 0 31); do date -d"$n days ago" "+%Y/%m/%d (%a)"; done \ - | fzf --height 50% --reverse --delimiter '/' \ - --preview="gcal -H yes %{1}{2}{3}" \ - --preview-window 'noborder,top,8' \ - --header-first --header "Today is $(date '+%Y/%m/%d (%a)')" \ - | cut -d ' ' -f1 -) -echo "date: $date" - -payee=$(fz --prompt="payee: " --preview='hledger print payee:{..}' <<< $payees) -echo "payee: $payee" - -# store past txs in a file, in the background, so I don't have to wait for the -# command to re-run each time -past_txs=$(mktemp) -hledger print payee:"$payee" > $past_txs & - -read -rep "to amount: " to_amount -to_account=$(fz --prompt="to account: " --preview="cat $past_txs" <<< $accounts) -echo "to account: $to_account" - - -from_account=$(fz --prompt="from account: " --preview="cat $past_txs" <<< $accounts) -echo "from account: $from_account" -read -rep "from amount: " -i "-$to_amount" from_amount - - -read -r -d '' TX <<EOF -$date * $payee - $to_account $to_amount USD - $from_account $from_amount USD -EOF - -tmp=$(mktemp) -printf "\n%s\n" "$TX" >> "$tmp" -cat "$tmp" - -read -rep "all good? Y/e/n " ok -case $ok in - n) - exit 1 - ;; - e) - vim "$tmp" && cat "$tmp" >> ~/org/fund/ledger.journal - ;; - *) - cat "$tmp" >> ~/org/fund/ledger.journal - ;; -esac diff --git a/hledger-level b/hledger-level deleted file mode 100755 index 98dd09c..0000000 --- a/hledger-level +++ /dev/null @@ -1,134 +0,0 @@ -#!/usr/bin/env bash -set -exo pipefail - -query='^as ^li' - -function floor { - printf %.f $1 -} - -function ceil { - printf %.f $(bc <<< "$1+1") -} - -function dec { - bc <<< "$1-1" -} - -function inc { - bc <<< "$1+1" -} - -function exp10 { - bc <<< "10^$1" -} - -function log10 { - bc -l <<< "l($1)/l(10)" -} - -function add { - bc -l <<< "$1 + $2" -} - -# colors -purple="#6961ff" -green="#61ff69" -red="#ff6961" - -datefmt="%Y-%m-%d" -today=$(date +$datefmt) -xstart=$(date -d"2 years ago" +$datefmt) - -# basically just calculates the log10 and removes some columns -process_row=$(cat <<EOF -import csv, sys, math -from datetime import datetime -data = sys.stdin.readlines() -rdr = csv.reader(data) -next(rdr, None) # skip header -prev=None -for row in rdr: - date = row[1] - networth = float(row[6][:-3].replace(",", "").strip()) - if prev: - x1 = datetime.strptime(prev[0], "$datefmt") - x2 = datetime.strptime(date, "$datefmt") - y1 = prev[1] - y2 = networth - change = (y1-y2) / max((x1-x2).days, 1) - change = ((networth / prev[1]) - 1) * 100 - else: - change = 1 - level = math.log10(networth) - print(date) - print(f"{date},{level:.2f},{networth:.2f},{change}") - prev = (date, networth) -EOF -) - -networth=$(hledger bal $query --depth=1 --value=now --infer-value \ - | tail -n1 \ - | awk '{ print $1 }' \ - | tr -d ',' -) -level=$(log10 $networth) -flevel=$(floor $level) - -data=$(mktemp --suffix=-data) -hledger reg $query --value=end,USD --infer-value -O csv \ - | python3 -c "$process_row" \ - > $data - -plot=$(mktemp --suffix=-plot) - -# here's the actual plotting code -cat <<EOF > $plot -set datafile separator "," - -set terminal png size 2560,1920 -#set term dumb - -set multiplot -set size 1, 0.5 -set grid - -# x axis -set xdata time -set timefmt '$datefmt' -set xrange ['$xstart':'$today'] -set format x '$datefmt' -set xtics rotate by 60 offset 0,-1.5 out nomirror - -# Level -set origin 0, 0.5 -set ytics 0.2 -set yrange [$(floor $(dec $level)):$(ceil $level)] -set ylabel "Overall Level" textcolor rgb "green" -plot '$data' using 1:2 linecolor rgb "red" smooth bezier with lines title "Level ($level)", \ - $(inc $flevel) linecolor rgb "$purple" with lines title "Level $(inc $flevel)", \ - $flevel linecolor rgb "$green" with lines title "Level $flevel", \ - $(dec $flevel) linecolor rgb "$red" with lines title "Level $(dec $flevel)" - - -# Net worth, within current level -set origin 0, 0.0 -set ytics $(exp10 $level) -set yrange [$(exp10 $(dec $flevel)):$(exp10 $(inc $flevel))] -set ylabel "Net worth within current level" textcolor rgb "green" -plot '$data' using 1:3 linecolor rgb "green" with filledcurves x1 title "Net Worth ($networth)", \ - $(exp10 $(inc $flevel)) linecolor rgb "$purple" with lines title "Level $(inc $flevel)", \ - $(exp10 $flevel) linecolor rgb "$green" with lines title "Level $flevel", \ - $(exp10 $(dec $flevel)) linecolor rgb "$red" with lines title "Level $(dec $flevel)" - -# Rate of change -#set origin 0, 0 -#set ytics 10 -#set yrange [-100:100] -#set ylabel "Rate of change" -#plot '$data' using 1:4 linecolor rgb "green" smooth csplines with lines title "rate of change" - -unset multiplot -EOF - -gnuplot -p $plot diff --git a/hledger-networth b/hledger-networth deleted file mode 100755 index 3eabcc2..0000000 --- a/hledger-networth +++ /dev/null @@ -1,7 +0,0 @@ -#!/usr/bin/env bash -# -# pipe to tplot for a quick plot -hledger reg ^as ^li -V -XUSD \ - | awk -F'[[:space:]][[:space:]]+' '{print $4}' \ - | cut -d' ' -f1 \ - | tr -d ',' diff --git a/hledger-overview.hs b/hledger-overview.hs deleted file mode 100755 index 0c4bad7..0000000 --- a/hledger-overview.hs +++ /dev/null @@ -1,362 +0,0 @@ -#!/usr/bin/env runhaskell - -{-# LANGUAGE FlexibleInstances #-} -{-# LANGUAGE LambdaCase #-} -{-# LANGUAGE NumericUnderscores #-} -{-# LANGUAGE OverloadedStrings #-} -{-# LANGUAGE TypeSynonymInstances #-} - --- | Calculates and displays an overview of my finances. --- --- TODO: bip metrics --- - calculate how many bips my monthly nut is, should be <100 --- - put runway in terms of bips? what else can I calculate in bips? --- - add --bips flag for all conversions? -module Main where - -import Data.Decimal (Decimal (..), DecimalRaw (..), divide, realFracToDecimal, roundTo, roundTo') -import Data.Either (fromRight) -import Data.Function ((&)) -import qualified Data.List as List -import qualified Data.Map as Map -import Data.Maybe (fromJust, fromMaybe) -import Data.Text (Text, pack) -import qualified Data.Text as T -import qualified Data.Text.IO as IO -import Data.Time.Calendar (Day, fromGregorian, toGregorian) -import Data.Time.Clock (UTCTime (..), diffTimeToPicoseconds, diffUTCTime, getCurrentTime) -import Hledger -import Hledger.Data.Types -import Rainbow -import System.Environment (getArgs) -import qualified System.Process as Process - -today :: IO Day -today = getCurrentTime >>= return . utctDay - --- | My impl of 'defaultJournal' with auto postings enabled -getJournal :: IO Journal -getJournal = defaultJournalPath >>= readJournalFile inputopts >>= either error' return - where inputopts = definputopts { auto_ = True } - --- | For running stuff in ghci -run :: (Journal -> Day -> a) -> IO a -run f = do - j <- getJournal - t <- today - return $ f j t - -janj :: CommoditySymbol -> Maybe ValuationType -janj = Just . AtNow . Just - -main = do - let banner txt = Process.callProcess "figlet" ["-f", "small", txt ] - -- cur :: a -> Tagged a - (cur, value_) <- - getArgs - >>= \case - ["sat"] -> banner "sats" >> pure (SAT, janj "sat") - ["sats"] -> banner "sats" >> pure (SAT, janj "sat") - ["btc"] -> banner "bitcoin" >> pure (BTC, janj "BTC") - _ -> banner "fiat" >> pure (USD, janj "USD") - - let reportopts = defreportopts {value_ = value_} - j <- getJournal - t <- today - let bal = getTotal j t reportopts - sec "balances" - row " cashapp" (cur $ bal "^as:me:cash:cashapp status:! status:*") Nothing - row " wallet" (cur $ bal "^as:me:cash:wallet") Nothing - row " cse" (cur $ bal "^as:me:cash:cse status:*") Nothing - row " disc" (cur $ bal "^li:me:cred:discover status:*") Nothing - row " citi" (cur $ bal "^li:me:cred:citi status:*") Nothing - - sec "allowances" - row " ben" (cur $ bal "^li:me:allowance:ben cur:USD") Nothing - row " kate" (cur $ bal "^li:me:allowance:kate cur:USD") Nothing - row " tithe" (cur $ bal "^li:me:church:tithe cur:USD") Nothing - row "nick rent" (cur $ bal "^li:me:rent:nick cur:USD") Nothing - - let (year, month, _) = toGregorian t - let expectedLevel = fromJust $ Map.lookup (roundTo 2 $ (fromIntegral year + fromIntegral month / 12) - (1992 + 7 / 12)) $ levelSchedule cur - let expectedNetWorth = unlevel expectedLevel - let monthlyNut = nut t $ bal "^ex:me:want ^ex:..:need" - let thisMonth = bal "^ex:me:want ^ex:..:need date:thismonth" - - sec "metrics" - let balCategorize = bal "^ex:us:to-categorize" - row " attn" (Target 0 balCategorize) $ Just $ "todo: count number of to-categorize" - -- row " in-ex" (Limit 0 $ bal "^in ^ex:me:want ^ex:..:need" / monthsSinceBeginning t) $ Just "keep this negative to make progress" - row " li:as" (Percent_ $ 100 * (- bal "^li") / bal "^as") Nothing - -- let lastyear = 2020 - -- row " in:net" (- getTotal j t (defreportopts {value_ = value_, period_ = YearPeriod 2020}) "^in:me") Nothing - -- net cash is limited to USD because that is what I can effectively spend - let netCash = bal "^as:me:cash ^li:me:cred cur:USD" - row " net cash" (Target 0 netCash) $ Just "credit spending minus cash. keep it positive" - row "month nut" (Limit monthlyNut thisMonth) $ Just $ "avg: " <> (display $ Diff $ monthlyNut - thisMonth) - let netWorth = bal "^as ^li" - row " bip" (roundTo 2 $ trivial * netWorth) Nothing - -- ideally: ramen 12 mo, runway 4 yrs. - let (_, _, runwayMo) = runway j t reportopts - row " runway" (Target 12 runwayMo) $ Just "want: 12 months" - let (ramenNut, _, ramenMo) = ramen j t reportopts - row " ramen" (Target 3 ramenMo) $ Just $ "want: 3 months" <> gap <> "nut: " <> display ramenNut - let (thisyear, thismonth, _) = toGregorian t - let age = fromInteger thisyear - 1992 + fromIntegral (thismonth-7)/12 -- offset for birthmonth - let n = whenFreedom j t reportopts - let ageFree = roundTo 1 $ (n / 12) + age :: Decimal - row "fire rate" (Percent_ $ savingsRate j t reportopts) Nothing - let fireFund = targetFund j t reportopts - row "fire fund" fireFund $ Just $ "plan: " - <> (display $ fromJust $ Map.lookup (level fireFund) $ levelScheduleRev cur) - row "when free" (Months_ n) $ Just $ "I'll be " <> pr ageFree <> " years old" - - sec $ "plan [" <> show (roundTo 2 $ age) <> "]" - row "net worth" (Target expectedNetWorth $ netWorth) $ Just $ "plan: " <> display (cur expectedNetWorth) - row " level" (Target expectedLevel $ level netWorth) - $ Just $ "plan: " <> display expectedLevel - let maturity = fromJust $ Map.lookup (level netWorth) $ levelScheduleRev cur - row " maturity" (Target age maturity) $ Just $ "diff: " <> (display $ Diff (maturity - age)) - let levelup n = level netWorth & (+ n) & roundTo' floor 1 & unlevel & \target -> target - netWorth - let nextLevel incr = let n = (roundTo' floor 1 $ level netWorth + incr) - in display n <> ", age: " <> display (fromJust $ Map.lookup n $ levelScheduleRev cur) - row " next" (levelup 0.1) $ Just $ nextLevel 0.1 - row " nnext" (levelup 0.2) $ Just $ nextLevel 0.2 - row " nnnext" (levelup 0.3) $ Just $ nextLevel 0.3 - let satbal = getTotal j t (defreportopts {value_ = janj "sat"}) "^as cur:'BTC|sat|sats'" - row "real sats" (Target 450000000 satbal) Nothing - --- | TODO: extend this to 'Tagged', not just 'Quantity'. -data Metric - = Target { expected :: Quantity, actual :: Quantity } - -- ^ actual should not be less than expected - | Limit { expected :: Quantity, actual :: Quantity } - -- ^ actual should not be more than expected - --- | Tag displayable things so I can change how things print, e.g. add a percent --- sign, or some coloring, etc. -class Display a where - display :: a -> Chunk - -instance Display Chunk where - display c = c - --- green = achieved --- yellow = within 5% of achieving --- red = work to do -instance Display Metric where - display = \case - Target expected actual -> color actual (>=) expected $ display actual - Limit expected actual -> color actual (<=) expected $ display actual - where - color :: Quantity -> (Quantity -> Quantity -> Bool) -> Quantity -> Chunk -> Chunk - color actual cmp expected - | actual `cmp` expected = fore green - | actual `cmp` (expected * 0.95) = fore yellow - | otherwise = fore red - --- | Tag numbers for different kinds of displays -data Tagged a - = Months_ a - | Percent_ a - | Diff a - | USD a - | SAT a - | BTC a - | Months a - -instance (Num a, Ord a, Display a) => Display (Tagged a) where - display (USD q) = display q <> chunk " USD" - display (SAT q) = display q <> chunk " sat" - display (BTC q) = display q <> chunk " BTC" - display (Months_ q) = display q <> " months" - display (Percent_ p) = display p <> "%" - display (Diff n) - | n > 0 = "+" <> display n - | n < 0 = display n - | n == 0 = "==" - -instance Display Text where - display t = chunk t - --- | Pretty-print a number. From https://stackoverflow.com/a/61070523/1146898 -instance Display Quantity where - display d = chunk $ - T.intercalate "." $ case T.splitOn "." $ T.pack $ show $ roundTo 2 d of - x : xs -> (T.pack . reverse . go . reverse . T.unpack) x : xs - xs -> xs - where - go (x : y : z : []) = x : y : z : [] - go (x : y : z : ['-']) = x : y : z : ['-'] - go (x : y : z : xs) = x : y : z : ',' : go xs - go xs = xs - -instance Display Int where - display d = chunk $ T.pack $ show d - -sec :: String -> IO () -sec label = putStrLn $ "\n=== " <> label <> " ===" - -pr :: Show s => s -> Chunk -pr = chunk . pack . show - -row :: (Display a) => Chunk -> a -> Maybe Chunk -> IO () -row label value note = - putChunkLn $ gap <> label <> ":" <> gap <> display value <> " " <> rest - where - rest = case note of - Nothing -> "" - Just a -> gap <> "\t(" <> a <> ")" - -gap :: Chunk -gap = " " - --- | There's levels to life, a proxy metric for what level you're at is your net --- worth rounded down to the nearest power of 10. -level :: Decimal -> Decimal -level = realFracToDecimal 2 . logBase 10 . realToFrac - --- | Given a level, return the net worth required to achieve that level. -unlevel :: Decimal -> Decimal -unlevel = realFracToDecimal 2 . (10 **) . realToFrac - -levelAtAge cur age = fromJust $ Map.lookup (roundTo 2 age) $ levelSchedule cur - -unlevelAtAge cur = unlevel . levelAtAge cur - --- Shows the steps between levels -steps start = zip (map realToFrac lvls) (zipWith (-) (ls ++ [0]) (0 : ls)) - where - lvls = [start, start + 0.01 .. 8.0] - ls = map (realToFrac . unlevel) lvls - --- | Map of level to age. -levelScheduleRev :: (Quantity -> Tagged Decimal) -> Map.Map Decimal Decimal -levelScheduleRev cur = Map.fromList $ zip lvls ages - where (ages, lvls) = levelSchedule' cur - --- | Map of age to level. Age is year + month as a decimal. -levelSchedule :: (Quantity -> Tagged Decimal) -> Map.Map Decimal Decimal -levelSchedule cur = Map.fromList $ zip ages lvls - where (ages, lvls) = levelSchedule' cur - --- | Helper for above fns -levelSchedule' :: (Quantity -> Tagged Decimal) -> ([Decimal], [Decimal]) -levelSchedule' cur = (ages++[70], lvls++[goal]) - where - ultimateGoal = cur 1_000_000_000 -- thats a billion usd - (start, goal) = case ultimateGoal of - USD n -> (5.0, level n) - -- normalize btc/sat levels to comparative usd levels, given exchange rate - -- assumptions below - BTC n -> (level $ usdToBtc $ unlevel 5, level $ usdToBtc n) - SAT n -> (level $ usdToSat $ unlevel 5, level $ usdToSat n) - step = (goal - start) / 600 - ages = map (roundTo 2) [20, 20 + 1 / 12 .. 70] - lvls = map (roundTo 2) [start, start + step .. goal] - --- This is a bit speculative, but I'm assuming the value of a bitcoin is --- 100,000 USD. Eventually I should change this to actually use the USD/BTC --- exchange rate, but it changes so much that it would be hard to have a --- concrete plan when dealing in BTC/sats. So I figure 100k is a good price --- target for the next year or so. -usdBtcExchangeRate = 100_000 -usdToBtc usd = usd / usdBtcExchangeRate -btcToUsd btc = btc * usdBtcExchangeRate -usdToSat usd = btcToSat $ usdToBtc usd - --- These are constants, should never change. -btcToSat btc = btc * 100_000_000 -satToBtc sat = sat / 100_000_000 - --- | A trivial decision is one that is 0.01% of the total, or 1 basis point. --- From <https://ofdollarsanddata.com/climbing-the-wealth-ladder/>. -trivial :: Quantity -trivial = 0.0001 - -getTotal :: Journal -> Day -> ReportOpts -> String -> Quantity -getTotal j t o q = sum . map aquantity $ getTotalAmounts j t o q - -getTotalAmounts :: Journal -> Day -> ReportOpts -> String -> [Amount] -getTotalAmounts j d opts q = Map.elems totals - where - (_, (Mixed totals)) = balanceReport (ReportSpec opts d query []) j - Right (query, _) = parseQuery d $ pack q - --- | These are the accounts that I consider a part of my savings and not my --- cash-spending accounts. -savingsAccounts :: [String] -savingsAccounts = - ["as:me:save", "as:me:vest"] - --- | Savings rate is a FIRE staple: (Income - Expenses) / Income * 100 -savingsRate :: Journal -> Day -> ReportOpts -> Quantity -savingsRate j d opts = roundTo 2 $ 100 * (income - expenses) / income - where - savings = getTotal j d opts query - query = List.intercalate " " $ savingsAccounts - income = - getTotal j d opts "^in" - expenses = getTotal j d opts "^ex:me:want ^ex:..:need" - --- | The target fund is simply 25x your annual expenditure. --- --- Assumptions: 4% withdrawal rate, 3-5% return on investments. -targetFund :: Journal -> Day -> ReportOpts -> Quantity -targetFund j d opts = 25 * yearlyExpenses - where - yearlyExpenses = expenses / yearsSinceBeginning d - expenses = sum $ map aquantity $ Map.elems total - Right (query, _) = parseQuery d $ pack "^ex:me:want ^ex:..:need" - (_, (Mixed total)) = balanceReport (ReportSpec opts d query []) j - --- | I have expense data going back to 2019.10. Use this for calculating --- averages per month. -monthsSinceBeginning :: Day -> Quantity -monthsSinceBeginning d = - diffUTCTime (UTCTime d 0) start - & secondsToMonths - & mkDecimal - where - mkDecimal n = fromRational $ toRational n :: Decimal - secondsToMonths s = s / 60 / 60 / 24 / 7 / 4 - start = UTCTime (fromGregorian 2019 10 1) 0 - -yearsSinceBeginning :: Day -> Quantity -yearsSinceBeginning d = monthsSinceBeginning d / 12 - --- | How long until I can live off of my savings and investment returns? --- --- Return integer is number of months until I'm free. -whenFreedom :: Journal -> Day -> ReportOpts -> Quantity -whenFreedom j d opts = roundTo 1 $ targetFund j d opts / monthlySavings j d opts - --- | This is the current value of my savings accounts, divided by the months --- since starting. Because this takes the /current/ value of the accounts, the --- capital gains are already priced in, so as long as my investments continue to --- return at a similar rate, then this number is accurate. -monthlySavings :: Journal -> Day -> ReportOpts -> Quantity -monthlySavings j d opts = - savingsAccounts - & map (getTotal j d opts) - & sum - & \n -> (n / monthsSinceBeginning d) - --- | How many months I could sustain myself with my cash and savings, given my --- current expenses. -runway :: Journal -> Day -> ReportOpts -> (Quantity, Quantity, Quantity) -runway j d opts = (nut d total, cash, cash / nut d total) - where - total = getTotal j d opts "^ex:..:need ^ex:me:want" - cash = getTotal j d opts "^as:me:save ^as:me:cash ^li:me:cred" - --- | Ramen profitability. Like 'runway', except let's say I live on /only/ the --- necessities, and don't spend my bitcoin. So cash flow in my checking account --- is primary. -ramen :: Journal -> Day -> ReportOpts -> (Quantity, Quantity, Quantity) -ramen j d opts = (nut d total, cash, cash / nut d total) - where - total = getTotal j d opts "^ex:..:need" - cash = getTotal j d opts "^as:me:cash ^li:me:cred" - -nut :: Day -> Quantity -> Quantity -nut d total = total / monthsSinceBeginning d |