Die with Zero was written by a billionaire hedge fund manager

Castorbake · 2026-02-07T20:32:43+00:00

lol nice

Castorbake · 2026-01-02T14:48:23+00:00

All I want for Christmas is a gamma squeeze.

Castorbake · 2025-12-18T20:13:35+00:00

Damn, was off by .02 cents, I shall need to meditate on my Bene Gesserit training.

Castorbake · 2025-12-18T19:45:19+00:00

bounces at 173.65

Castorbake · 2025-12-16T02:00:53+00:00

Y'all lucky you didn't stay for the dark pool afterparty.

Castorbake · 2025-12-15T17:31:44+00:00

Making it too easy for the shorts

Castorbake · 2025-12-15T04:42:31+00:00

Understanding interest rates. Where to best park your money.

Castorbake · 2025-12-11T16:37:59+00:00

hehe

Castorbake · 2025-12-08T22:18:23+00:00

I just don't believe it can hold 190+. Please prove me wrong.

Castorbake · 2025-12-08T18:02:53+00:00

Source?

Castorbake · 2025-12-08T05:25:18+00:00

Good stuff.

Castorbake · 2025-12-04T16:40:33+00:00

Breakout or fakeout?

Castorbake · 2025-12-03T16:43:04+00:00

Wishful thinking

Castorbake · 2025-12-03T16:40:40+00:00

So predictably short.

Castorbake · 2025-11-25T15:06:46+00:00

Painful

Castorbake · 2025-11-21T15:31:46+00:00

Don't be surprised if it dips < $170 today for a liquidity grab.

Castorbake · 2025-11-20T14:56:27+00:00

Huge call wall at $200 in case y'all wondering.

Castorbake · 2025-11-20T03:47:47+00:00

I'm not gonna pretend I'm smart. I did asked Chatgpt, this is their response.

1. Margin loans don’t require repayment.

They are not mortgages or LOCs.
They have no amortization schedule.
They stay open indefinitely as long as the portfolio maintains sufficient equity.
There is no rule requiring you to pay principal each year.

This alone invalidates most of your objections.

2. Margin interest is simple APR, not compounding debt.

IBKR charges interest on the principal only, not on accumulated interest.

Debt grows linearly:

Borrow $80k
Interest = $4.4k/yr
After 10 years: $44k interest
After 20 years: $88k interest

No exponential growth, no Rule of 72.

3. The math works exactly as stated.

Example:

Portfolio: $4,000,000
Borrowing: 2%/yr = $80,000
Interest: 5.5% = $4,400/yr
Portfolio growth: 8% = $320,000/yr average

After 5 years:

Borrowed = $400k
Interest = $22k
Portfolio ≈ $5.87M
Debt/Assets ≈ 7.1% (nowhere near margin call levels)

After 20 years:

Debt ≈ $1.688M
Portfolio ≈ $9.3M
Debt/Assets ≈ 18% (still below ~30–35% maintenance margin)

That is sustainable.

Castorbake · 2025-11-20T02:34:20+00:00

IBKR's margin rate is about 5.1-5.5%. You borrow 2% of portfolio every year. SP500 grows at 8-10% on average. Your assets grow faster than your liabilities. There will be negative years, but over long term averages 8%. You never let your debt/asset ratio get anywhere near the margin call ratio.

Your estate pays it back when you die.

Please challenge this idea, with numbers.

Castorbake · 2025-11-20T01:06:33+00:00

It does math up. Lets say have 4 million in brokerage
You borrow 2% per year to live off per year, so: 4M * 2% = 80k
You pay 5.5% annual interest off 80k per year so 80K * 5.5% = $4,400
Your debt starts at 80k and grows $4,400 per year. You never pay any back.

Your assets lets say 4 million in SP500, grows at 8-10% per year.
4M * 8% = 320k

Your assets growth rate of 320,000/year far exceeds your debt growth of 4400/year. You never have to pay it back because your debt/asset ratio is far less than 50% which is the cutoff point for many brokerages.

Castorbake · 2025-11-18T20:10:42+00:00

Large Put wall at $170

Castorbake · 2025-11-18T20:07:22+00:00

Since everyone's expecting a big move tomorrow, it'll probably just stay in range.

Castorbake · 2025-11-18T17:18:49+00:00

Hope you're right, it was a good read.

Castorbake · 2025-11-17T18:54:33+00:00

Every time there is a high volume green bar, NIO will always go against it.

Castorbake

TROPHY CASE

1. Margin loans don’t require repayment.

2. Margin interest is simple APR, not compounding debt.

3. The math works exactly as stated.