http://100.95.144.25:1313/Recent content on Frank's ReportsHugoenMon, 01 Jun 2026 12:00:00 +0700http://100.95.144.25:1313/posts/yak-implementation-plan/Mon, 01 Jun 2026 12:00:00 +0700http://100.95.144.25:1313/posts/yak-implementation-plan/Implementation plan and architectural deep-dive into Yak, a dual-layer memory system with 9B-driven relevance evaluationhttp://100.95.144.25:1313/posts/yak-memory-system-design/Mon, 01 Jun 2026 00:00:00 +1000http://100.95.144.25:1313/posts/yak-memory-system-design/<h2 id="overview">Overview</h2> <p>Yak is a personal memory system for LLMs that combines:</p> <ol> <li><strong>Raw storage</strong> — Full conversation exchanges</li> <li><strong>Distillation layer</strong> — LLM-generated summaries with confidence scoring</li> <li><strong>Semantic retrieval</strong> — Vector search with temporal decay</li> </ol> <h2 id="dual-layer-architecture">Dual-Layer Architecture</h2> <pre tabindex="0"><code>┌─────────────────────────────────────────────────────────────┐ │ Raw Memory Layer │ │ Stores: &#34;User: ...\nAssistant: ...&#34; (full fidelity) │ │ Purpose: Source of truth, audit trail, re-distillation │ └─────────────────────────────────────────────────────────────┘ │ ▼ ┌─────────────────────────────────────────────────────────────┐ │ Distillation Layer │ │ Stores: 1-4 factual sentences + confidence + tier + embed │ │ Purpose: Efficient semantic search, RAG injection │ └─────────────────────────────────────────────────────────────┘ </code></pre><h2 id="temporal-decay">Temporal Decay</h2> <p>Older memories are penalised during retrieval using exponential decay:</p>http://100.95.144.25:1313/posts/financial-baseline-analysis/Fri, 29 May 2026 13:40:00 +1000http://100.95.144.25:1313/posts/financial-baseline-analysis/<p>I dumped 6 CSV files from my ANZ accounts and had Frank trace every dollar. After user clarifications on one-offs, the picture changed significantly — wife stopped working, so income dropped to just my salary ($11,282/mo), and the home loan is $2,500/mo.</p>http://100.95.144.25:1313/posts/financial-baseline-v4/Fri, 29 May 2026 00:00:00 +0000http://100.95.144.25:1313/posts/financial-baseline-v4/<h2 id="methodology">Methodology</h2> <ul> <li><strong>Period:</strong> Last 6 months (Dec 2025 – May 2026) — post-renovation steady state</li> <li><strong>Corrections:</strong> <ul> <li>QP TREETOPASCOTV → <strong>Childcare</strong> (was incorrectly Strata)</li> <li>CBA weekly $320 withdrawals → <strong>Babysitting</strong></li> <li>Massage → $0</li> <li>AI subscriptions → $0</li> </ul> </li> <li><strong>Income:</strong> $11,282/mo net (single income)</li> <li><strong>Home Loan (HML):</strong> $2,600/mo</li> </ul> <hr> <h2 id="baseline-budget">Baseline Budget</h2> <table> <thead> <tr> <th>Category</th> <th>Monthly Avg</th> <th>Notes</th> </tr> </thead> <tbody> <tr> <td>Childcare (Treetop)</td> <td>$1,711</td> <td>Fortnightly $568–$942. Corrected from Strata</td> </tr> <tr> <td>Uber Eats</td> <td>$1,649</td> <td>$55/day — biggest food category</td> </tr> <tr> <td>Amazon</td> <td>$1,386</td> <td>Spikes Mar ($2,681), Apr ($1,803)</td> </tr> <tr> <td>Woolworths</td> <td>$1,222</td> <td></td> </tr> <tr> <td>Babysitting (halved)</td> <td>$488</td> <td>Raw $975/mo — $320/week CBA cash withdrawals</td> </tr> <tr> <td>Dining</td> <td>$554</td> <td>Restaurants, takeaway, PayPal merchants</td> </tr> <tr> <td>Bunnings</td> <td>$398</td> <td>Reno tail still running Feb/Mar</td> </tr> <tr> <td>MOCA Health</td> <td>$344</td> <td>Bills Dec, Apr, May only — not monthly</td> </tr> <tr> <td>Medical</td> <td>$316</td> <td>Western Imaging, Dorevitch Pathology</td> </tr> <tr> <td>Personal Transfers</td> <td>$286</td> <td>Ongoing payments to individuals</td> </tr> <tr> <td>Uber Trip</td> <td>$285</td> <td></td> </tr> <tr> <td>Pharmacy</td> <td>$276</td> <td></td> </tr> <tr> <td>Kmart</td> <td>$253</td> <td></td> </tr> <tr> <td>Insurance (CGU/Allianz)</td> <td>$230</td> <td></td> </tr> <tr> <td>Bupa (Health Insurance)</td> <td>$227</td> <td></td> </tr> <tr> <td>Telstra</td> <td>$196</td> <td></td> </tr> <tr> <td>Internet (Superloop)</td> <td>$167</td> <td></td> </tr> <tr> <td>Coles</td> <td>$149</td> <td></td> </tr> <tr> <td>Costco</td> <td>$130</td> <td></td> </tr> <tr> <td>Vet</td> <td>$122</td> <td></td> </tr> <tr> <td>Asian/Indian Grocery</td> <td>$121</td> <td></td> </tr> <tr> <td>Cafe</td> <td>$120</td> <td></td> </tr> <tr> <td>Gaming</td> <td>$115</td> <td></td> </tr> <tr> <td>ASIC</td> <td>$104</td> <td>Annual fee</td> </tr> <tr> <td>Uber One</td> <td>$96</td> <td></td> </tr> <tr> <td>Apple Subscriptions</td> <td>$86</td> <td></td> </tr> <tr> <td>Public Transport</td> <td>$79</td> <td></td> </tr> <tr> <td>Pet Supplies</td> <td>$70</td> <td></td> </tr> <tr> <td>Fresha</td> <td>$58</td> <td></td> </tr> <tr> <td>Fast Food</td> <td>$58</td> <td>Domino&rsquo;s, KFC, Hungry Jacks</td> </tr> <tr> <td>Other (Unmatched)</td> <td>$48</td> <td>Mostly AMZNPRIMEA billing</td> </tr> <tr> <td>GitHub</td> <td>$41</td> <td></td> </tr> <tr> <td>Convenience</td> <td>$41</td> <td>7-Eleven, Circum</td> </tr> <tr> <td>Pet Insurance</td> <td>$35</td> <td></td> </tr> <tr> <td>Netflix</td> <td>$28</td> <td></td> </tr> <tr> <td>Google Workspace</td> <td>$25</td> <td></td> </tr> <tr> <td>Google Play</td> <td>$25</td> <td></td> </tr> <tr> <td>Physio</td> <td>$19</td> <td></td> </tr> <tr> <td>Parking</td> <td>$18</td> <td></td> </tr> <tr> <td>Uber Other</td> <td>$15</td> <td></td> </tr> <tr> <td>Amazon Prime</td> <td>$10</td> <td></td> </tr> <tr> <td><strong>Total Baseline</strong></td> <td><strong>$11,600/mo</strong></td> <td></td> </tr> </tbody> </table> <hr> <h2 id="bottom-line">Bottom Line</h2> <table> <thead> <tr> <th>Item</th> <th>Amount</th> </tr> </thead> <tbody> <tr> <td>Net Income</td> <td>$11,282/mo</td> </tr> <tr> <td>Total Baseline Spend</td> <td>$11,600/mo</td> </tr> <tr> <td><strong>Surplus before HML</strong></td> <td><strong>−$318/mo</strong></td> </tr> <tr> <td>Home Loan (HML)</td> <td>$2,600/mo</td> </tr> <tr> <td><strong>After HML</strong></td> <td><strong>−$2,918/mo</strong></td> </tr> </tbody> </table> <hr> <h2 id="monthly-trend-last-6-months">Monthly Trend (Last 6 Months)</h2> <table> <thead> <tr> <th>Month</th> <th>Total Spend</th> <th>Childcare</th> <th>Babysitting</th> </tr> </thead> <tbody> <tr> <td>Dec 2025</td> <td>$12,647</td> <td>$1,744</td> <td>$1,470</td> </tr> <tr> <td>Jan 2026</td> <td>$11,489</td> <td>$1,839</td> <td>$1,280</td> </tr> <tr> <td>Feb 2026</td> <td>$9,201</td> <td>$1,535</td> <td>$520</td> </tr> <tr> <td>Mar 2026</td> <td>$14,776 ⬆</td> <td>$1,747</td> <td>$1,600</td> </tr> <tr> <td>Apr 2026</td> <td>$11,046</td> <td>$2,047</td> <td>$320</td> </tr> <tr> <td>May 2026</td> <td>$9,173</td> <td>$1,357</td> <td>$660</td> </tr> </tbody> </table> <p>Even in lean months (Feb $9,201, May $9,173), spend exceeds income by $0–$2,200 before HML. After HML, the structural deficit is <strong>$2,918/mo</strong>.</p>http://100.95.144.25:1313/posts/financial-baseline-v5/Fri, 29 May 2026 00:00:00 +0000http://100.95.144.25:1313/posts/financial-baseline-v5/<h2 id="clarifications-applied">Clarifications Applied</h2> <table> <thead> <tr> <th>Oddity</th> <th>Confirmed</th> <th>Adjustment</th> </tr> </thead> <tbody> <tr> <td>Uber Eats $1,649/mo</td> <td>&ldquo;We just eat a lot of takeaway&rdquo;</td> <td>Halved → $825/mo</td> </tr> <tr> <td>Amazon $1,386/mo</td> <td>Spikes are one-off purchases</td> <td>Halved → $693/mo</td> </tr> <tr> <td>Medical $316 + Pharmacy $276</td> <td>&ldquo;Probably both&rdquo; — regular monthly</td> <td>Keep as-is</td> </tr> <tr> <td>MOCA Health $344/mo</td> <td>Medical marijuana, every 2 months</td> <td>$318/2mo → $159/mo</td> </tr> <tr> <td>Bunnings $398/mo</td> <td>&ldquo;Done for now&rdquo;</td> <td>Removed from baseline</td> </tr> <tr> <td>Personal Transfers $286/mo</td> <td>Only Upul (gardener) recurring</td> <td>Upul $200/mo, rest removed</td> </tr> <tr> <td>Childcare Treetop</td> <td>Confirmed correct</td> <td>$1,711/mo</td> </tr> <tr> <td>Babysitting halved</td> <td>Confirmed</td> <td>$488/mo</td> </tr> <tr> <td>Gaming $115/mo</td> <td>&ldquo;Will cut all gaming subs&rdquo;</td> <td>Removed</td> </tr> <tr> <td>Council Rates</td> <td>Quarterly</td> <td>$770/quarter ($257/mo overhead)</td> </tr> </tbody> </table> <hr> <h2 id="final-baseline-budget">Final Baseline Budget</h2> <table> <thead> <tr> <th>Category</th> <th>Monthly Avg</th> <th>Notes</th> </tr> </thead> <tbody> <tr> <td>Childcare (Treetop)</td> <td>$1,711</td> <td>Fortnightly $568–$942</td> </tr> <tr> <td>Woolworths</td> <td>$1,222</td> <td></td> </tr> <tr> <td>Uber Eats</td> <td>$825</td> <td>Halved from $1,649. $27/day</td> </tr> <tr> <td>Amazon</td> <td>$693</td> <td>Halved from $1,386</td> </tr> <tr> <td>Dining</td> <td>$554</td> <td>Restaurants, PayPal food merchants</td> </tr> <tr> <td>Babysitting</td> <td>$488</td> <td>Raw $975/mo halved. $320/week cash</td> </tr> <tr> <td>Medical</td> <td>$316</td> <td>Western Imaging, Dorevitch Pathology</td> </tr> <tr> <td>Uber Trip</td> <td>$285</td> <td></td> </tr> <tr> <td>Pharmacy</td> <td>$276</td> <td>Includes occasional MOCA pharmacy $79</td> </tr> <tr> <td>Kmart</td> <td>$253</td> <td></td> </tr> <tr> <td>Insurance (CGU/Allianz)</td> <td>$230</td> <td></td> </tr> <tr> <td>Bupa (Health Insurance)</td> <td>$227</td> <td></td> </tr> <tr> <td>Upul (Gardener)</td> <td>$200</td> <td>Monthly gardener</td> </tr> <tr> <td>Telstra</td> <td>$196</td> <td></td> </tr> <tr> <td>Internet (Superloop)</td> <td>$167</td> <td></td> </tr> <tr> <td>MOCA Health</td> <td>$159</td> <td>Medical marijuana script, every 2mo</td> </tr> <tr> <td>Coles</td> <td>$149</td> <td></td> </tr> <tr> <td>Costco</td> <td>$130</td> <td></td> </tr> <tr> <td>Vet</td> <td>$122</td> <td></td> </tr> <tr> <td>Asian/Indian Grocery</td> <td>$121</td> <td></td> </tr> <tr> <td>Cafe</td> <td>$120</td> <td></td> </tr> <tr> <td>ASIC</td> <td>$104</td> <td>Annual</td> </tr> <tr> <td>Uber One</td> <td>$96</td> <td></td> </tr> <tr> <td>Apple Subs</td> <td>$86</td> <td></td> </tr> <tr> <td>Public Transport</td> <td>$79</td> <td></td> </tr> <tr> <td>Pet Supplies</td> <td>$70</td> <td>Petbarn</td> </tr> <tr> <td>Fresha</td> <td>$58</td> <td></td> </tr> <tr> <td>Fast Food</td> <td>$58</td> <td>Domino&rsquo;s, KFC</td> </tr> <tr> <td>Other (Unmatched)</td> <td>$48</td> <td>AMZNPRIMEA glitch</td> </tr> <tr> <td>GitHub</td> <td>$41</td> <td></td> </tr> <tr> <td>Convenience</td> <td>$41</td> <td>7-Eleven</td> </tr> <tr> <td>Pet Insurance</td> <td>$35</td> <td></td> </tr> <tr> <td>Netflix</td> <td>$28</td> <td></td> </tr> <tr> <td>Google Workspace</td> <td>$25</td> <td></td> </tr> <tr> <td>Google Play</td> <td>$25</td> <td></td> </tr> <tr> <td>Physio</td> <td>$19</td> <td></td> </tr> <tr> <td>Parking</td> <td>$18</td> <td></td> </tr> <tr> <td>Uber Other</td> <td>$15</td> <td></td> </tr> <tr> <td>Amazon Prime</td> <td>$10</td> <td></td> </tr> <tr> <td><strong>Total Baseline</strong></td> <td><strong>$9,300/mo</strong></td> <td></td> </tr> </tbody> </table> <h3 id="removed-from-baseline">Removed from Baseline</h3> <ul> <li>Gaming $115 → $0</li> <li>Bunnings $398 → $0 (done)</li> <li>Personal one-offs $86 → $0</li> <li>AI Subs $116 → $0</li> <li>Massage $388 → $0</li> </ul> <hr> <h2 id="bottom-line">Bottom Line</h2> <table> <thead> <tr> <th>Item</th> <th>Amount</th> </tr> </thead> <tbody> <tr> <td>Net Income</td> <td>$11,282/mo</td> </tr> <tr> <td>Total Baseline Spend</td> <td>$9,300/mo</td> </tr> <tr> <td><strong>Surplus before HML</strong></td> <td><strong>+$1,982/mo</strong></td> </tr> <tr> <td>Home Loan (HML)</td> <td>$2,600/mo</td> </tr> <tr> <td><strong>After HML</strong></td> <td><strong>−$618/mo</strong></td> </tr> <tr> <td>Council Rates (quarterly)</td> <td>$770/qtr → +$257/mo overhead</td> </tr> </tbody> </table> <p>The structural deficit is <strong>−$618/mo after HML</strong> — much healthier than the original −$2,918/mo. The $1,982/mo surplus before HML covers most of the mortgage, leaving a manageable $618 gap.</p>http://100.95.144.25:1313/posts/financial-baseline-v6/Fri, 29 May 2026 00:00:00 +0000http://100.95.144.25:1313/posts/financial-baseline-v6/<h2 id="your-adjustments-applied">Your Adjustments Applied</h2> <table> <thead> <tr> <th>Category</th> <th>Before</th> <th>Now</th> <th>Savings</th> </tr> </thead> <tbody> <tr> <td>Kmart</td> <td>$253</td> <td><strong>$0</strong></td> <td>$253</td> </tr> <tr> <td>Fast Food</td> <td>$58</td> <td><strong>$0</strong></td> <td>$58</td> </tr> <tr> <td>Dining</td> <td>$500 (incl cafe)</td> <td><strong>$200</strong></td> <td>$300</td> </tr> <tr> <td>Babysitting</td> <td>$488</td> <td><strong>$640</strong> (correction)</td> <td>−$152</td> </tr> <tr> <td>Uber Eats</td> <td>$825</td> <td>$600</td> <td>$225</td> </tr> <tr> <td>Amazon</td> <td>$693</td> <td>$400</td> <td>$293</td> </tr> <tr> <td>Medical + Pharmacy</td> <td>$592</td> <td>$300</td> <td>$292</td> </tr> </tbody> </table> <hr> <h2 id="final-baseline">Final Baseline</h2> <table> <thead> <tr> <th>Amount</th> <th>Category</th> </tr> </thead> <tbody> <tr> <td>$1,711</td> <td>Childcare (Treetop)</td> </tr> <tr> <td>$1,622</td> <td>Groceries (Woolworths + Coles + Costco + Asian)</td> </tr> <tr> <td>$640</td> <td>Babysitting</td> </tr> <tr> <td>$600</td> <td>Uber Eats</td> </tr> <tr> <td>$400</td> <td>Amazon</td> </tr> <tr> <td>$300</td> <td>Medical + Pharmacy</td> </tr> <tr> <td>$285</td> <td>Uber Trip</td> </tr> <tr> <td>$230</td> <td>Insurance (CGU/Allianz)</td> </tr> <tr> <td>$227</td> <td>Bupa (Health Insurance)</td> </tr> <tr> <td>$200</td> <td>Dining</td> </tr> <tr> <td>$200</td> <td>Upul (Gardener)</td> </tr> <tr> <td>$196</td> <td>Telstra</td> </tr> <tr> <td>$167</td> <td>Internet (Superloop)</td> </tr> <tr> <td>$159</td> <td>MOCA Health (Medical Marijuana)</td> </tr> <tr> <td>$122</td> <td>Vet</td> </tr> <tr> <td>$120</td> <td>Cafe</td> </tr> <tr> <td>$96</td> <td>Uber One</td> </tr> <tr> <td>$86</td> <td>Apple Subs</td> </tr> <tr> <td>$79</td> <td>Public Transport</td> </tr> <tr> <td>$70</td> <td>Pet Supplies (Petbarn)</td> </tr> <tr> <td>$58</td> <td>Fresha</td> </tr> <tr> <td>$48</td> <td>Other (Unmatched)</td> </tr> <tr> <td>$41</td> <td>GitHub</td> </tr> <tr> <td>$41</td> <td>Convenience (7-Eleven)</td> </tr> <tr> <td>$35</td> <td>Pet Insurance</td> </tr> <tr> <td>$28</td> <td>Netflix</td> </tr> <tr> <td>$25</td> <td>Google Workspace</td> </tr> <tr> <td>$25</td> <td>Google Play</td> </tr> <tr> <td>$19</td> <td>Physio</td> </tr> <tr> <td>$18</td> <td>Parking</td> </tr> <tr> <td>$15</td> <td>Uber Other</td> </tr> <tr> <td>$10</td> <td>Amazon Prime</td> </tr> <tr> <td><strong>$7,874</strong></td> <td><strong>Total Baseline Spend</strong></td> </tr> </tbody> </table> <hr> <h2 id="bottom-line">Bottom Line</h2> <table> <thead> <tr> <th>Item</th> <th>Amount</th> </tr> </thead> <tbody> <tr> <td>Net Income</td> <td>$11,282/mo</td> </tr> <tr> <td>Total Baseline Spend</td> <td>$7,874/mo</td> </tr> <tr> <td><strong>Surplus before HML</strong></td> <td><strong>+$3,408/mo</strong></td> </tr> <tr> <td>Home Loan (HML)</td> <td>$2,600/mo</td> </tr> <tr> <td><strong>After HML</strong></td> <td><strong>+$808/mo</strong></td> </tr> <tr> <td>Council Rates (quarterly)</td> <td>$770/qtr → $257/mo</td> </tr> <tr> <td><strong>After HML + Rates</strong></td> <td><strong>+$551/mo</strong></td> </tr> </tbody> </table> <p><strong>Healthy surplus.</strong> $808/mo after mortgage, $551/mo after council rates. Kmart, Fast Food, and Dining trimmed. Babysitting corrected to $640.</p>http://100.95.144.25:1313/posts/spending-visualizations/Fri, 29 May 2026 00:00:00 +0000http://100.95.144.25:1313/posts/spending-visualizations/<h2 id="the-big-picture">The Big Picture</h2> <p><strong>Income has dropped to $11,282/mo</strong> (wife stopped working). Baseline spend is <strong>$24,803/mo</strong>. That&rsquo;s a <strong>−$13,521 deficit</strong> — spend is 2.2x income.</p> <figure><img src="http://100.95.144.25:1313/charts/income_vs_expenses.svg" alt="Monthly Income vs Baseline Expenses (Jul 2025 – May 2026)"><figcaption> <p>Monthly Income vs Baseline Expenses (Jul 2025 – May 2026)</p>