The birth of my own ADR

Yesterday I was talking to my friend about ways to accumulate tuition fees for kids. He suggested going with Chit funds, as they promise 12% returns. I was shocked to hear it from him. We have known each other for over a decade now. Through countless discussions on personal finance, we concluded long back that protecting money is as important as accumulating it. Chit funds are notorious in our society. During my schooldays, chit fund scams were all over the news every other week.

I screamed at him for this idea, and he tried to defend them. Finally, the call concluded and I was wondering what could have happened to him. More importantly how could we avoid such booby traps. The ADR could be the one that could remind us the reason behind the decision we made.

Last week, I collaborated with the enterprise architect to establish the process for architecture decisions record (ADR) in my organization. The ADR is a process of writing down the decisions made, why they were made, and what other options were explored. The whole thing is hosted in a Git repo for quicker access, and the markdown format ensures portability into other tools if they are chosen in the future.

ADR is critical during the time when we question the choice. The write-ups will help us understand why we chose, along with the situation that made us pick the decision among the many other alternatives.

ADR is for the team and so its published in the intranet and anyone in the team can view it. My financial decisions are personal, privacy is must. I considered going with Obsidian or some other second-brain tool. The problem is typing is not same as writing. Even now I write my notes in hands during the certification preparation. You may call me old school or a boomer. But I like the pen tip to meet the paper than simply typing it down.

That is when I decided why not to add a section in diary and write down why I choose this stock at this price, why this mutual fund folio over something else. Thus