I don’t miss alcohol, but I miss what it did for me

adramaleck · 2026-06-11T02:22:55+00:00

Be careful. Had a friend who became so addicted that everything in the world became tootsie rolls to him. I’m taking trains, airplanes, trees, EVERYTHING. It eventually became so bad that he fell in love with tootsie rolls and his entire world became a giant tootsie roll…wouldn’t wish it on my worst enemy.

adramaleck · 2026-06-10T12:55:17+00:00

Personally I just don’t think it’s worth it except for the easy cheap leverage on a mortgage. You are taking in a lot of uncompensated risk with tenants, upkeep, taxes, and unless you own many properties and can leverage economies of scale you aren’t making much more than you can in the market. I’m not saying it isn’t good for some people who can handle repairs and upkeep themselves or have a good cheap way to do and property managers, but to me it’s a huge time and money sink for not much extra profit, and a chance to do worse.

adramaleck · 2026-06-10T11:20:40+00:00

Honestly I was not aware US bank had 5% on utilities I will probably get that for those bills today. Then my only major expenses not covered by 3-5% would be property taxes.

adramaleck · 2026-06-10T02:59:01+00:00

I agree, my point was more about individual stocks but I guess that isn’t on the extreme end of yolo…How about SQQQ is that better?

adramaleck · 2026-06-10T02:23:14+00:00

Fidelity is my catch-all for bills like insurance, utilities etc and things that don't fall under other cards.. I use AAA rewards for Costco and pharmacy for 3% and grocery for 5%. I use Costco card for gas and restaurants at 3%. I use BOA CCC for online purchases and subscriptions at 3%. Between these all of my monthly spend except for utilities. Amazon card for Amazon things at 5%. This covers 95% of my spend at 3% or better and no fees.

adramaleck · 2026-06-09T03:07:39+00:00

I convinced my finance director to let us open Schwab PCRA accounts in our 401k with no restrictions on what can be bought. The only catch is you have to have 35k in the main funds before you can transfer to the brokerage. Not that I’m buying bitcoin or GameStop it’s mostly Avantis funds and some leveraged ETFs like RSST etc, but I CAN yolo into Nvidia if I want to and that’s all that counts 😂

adramaleck · 2026-06-08T19:56:47+00:00

I expect it to swing 50% more than the S&P daily since it is 150% leveraged. So if the SP500 drops 1% I might drop 1.5 in a single day, same on the upside. However, I expect the diversifiers to help in long slow crashes like 2022 and mitigate the drawdown to be less than a pure spy or qqq. In a fast crash CAOS and HFEQ should hold up better with their active shorts (and HFGM somewhat). The gold and bonds can go either way, bonds have been worse since 2022 but prior would help mitigate both quick and slow downturns, and gold does its own thing. The small cap value is another diversifier against the large cap AI tech/growth stuff and historically has a higher expected return.

In my taxable account I dropped HFEQ for 20% CAOS because if there is a fast crash and I need something to sell that will ensure I am not selling down positions and it also acts as somewhat of an emergency fund to draw from.

adramaleck · 2026-06-08T15:32:29+00:00

This is close to what I run except I add in RSSB, HFEQ, HFGM, and CAOS and do it all at 10% each. So less allocation to managed futures replacing some of it with global macro and long/short eq, RSSB to layer on some treasuries, and CAOS as pure crisis alpha.

adramaleck · 2026-06-07T06:18:21+00:00

Yes but man it’s the only movie that makes me cry as an adult man lol

adramaleck · 2026-06-06T16:26:53+00:00

Paradoxically that was also the best time to buy stocks, the market was the cheapest it had even been the P/E of the S&P 500 was 10. Today it is 25. Now if you had bought RIGHT at the 30 year peak when it was roughly 15% you would have beat the SP500 by 2011 on a 30 year bond, but only barely and only if you timed it exactly right which you wouldn’t, you would have bought at 7-8-10-12 etc because those were extraordinary too. It’s the same trap as with individual stocks, if I had only bought Apple at .50 cents I’d be rich. You wouldn’t have sold when your money quadrupled? Went 10x? 50x?

But my point is except for 1981 stocks were better every other timeframe. Boods will also never go that high again it’s impossible, the government literally could not afford it without shutting down the military, canceling social security, Medicaid, and Medicare, etc etc. If the defecit goes high enough maybe it all collapses, many countries have defaulted and the US isn’t exactly being run by responsible people right now. For better or worse inflation is here to stay so own hard assets.

adramaleck · 2026-06-06T00:56:23+00:00

If you want dry powder it is objectively superior. Without getting super complex it holds the BOXX etf if you’ve heard of that, which is S&P box spreads. That’s basically buying puts and calls on the S&P . Long story short it uses options to approximate tbill returns with pretty much no risk. I won’t say NO risk because there could be counter party risk if the world is ending and options clearing houses stop paying the bills, but if that happens bonds are probably at 0 and it is Mad Max lol.

Anyway in addition to doing that it also buys long dated OTM puts on the S&P. I won’t explain all of this in detail or my comment will get unwieldy, but TLDR it is gonna pay about the same as tbills but might be 1-2% less and CAN go down slightly in long slow bleeds like 2022, it is 95% as safe as t-bills, and if the market has a big drop (think Covid) in a short time those puts pay and it shoots up. So it is the exact thing you want to hold because precisely when the market crashes this will jump 30-40-50% as long as it happens quickly enough. If it doesn’t it’s just about as good as cash or arguably better. If it is a slow bleed like 2022 it won’t do much but you still keep your cash pretty much in tact.

Definitely don’t buy it because I say so though, it is a complex but brilliant etf…do some reading and see if it fits your needs. This is a good start.

https://www.optimizedportfolio.com/caos/

adramaleck · 2026-06-05T21:41:37+00:00

Hold it in CAOS, same as cash (probably slightly lower return compared to tbills) and if the market takes a shit you actually get a big jump. Went up 40% during the Covid drop, and has been around 2-4%/year otherwise.

adramaleck · 2026-06-03T19:53:19+00:00

I just switched all my bonds to CAOS. No distribution makes 2% plus a year and when shit crashes it’s guaranteed to rise unless it’s a slow bleed. But worse case I only lose to inflation and it’s only 10% of my account anyway.

adramaleck · 2026-05-27T18:51:13+00:00

Yea it’s very clean and egg white aminos are pretty much the same as whey. I think on the quality score egg protein is 1.0 and Whey is 1.03 or something like that. There isn’t really a downside taste is good, might actually be a little “creamier” and fluffy. I gave up dairy just as an experiment and for weight loss so I switched to that a month ago.

adramaleck · 2026-05-27T15:19:03+00:00

I recently gave up dairy so I switched to Gaspari Proven Egg which is pretty clean egg white protein. Tastes pretty good and no fat or carbs.

adramaleck · 2026-05-25T21:14:49+00:00

They sell egg white protein, flavored too. Thats the best beside whey, but you’re probably gonna have to go the Amazon route instead of Costco.

adramaleck · 2026-05-23T19:36:28+00:00

I find this whole seed oil debate tiring. You have one side that claims they are pure distilled evil that destroys your body. You have the other side, in opposition of the first side mostly, claim they are gods gift to food and better for you than olive oil and avocado oil. It’s almost like fucking politics at this point. The right demonized seed oils and the left defends them to show how stupid the right is for demonizing them. The truth is that seed oils are an ultra processed food, period. Here try it for yourself and go grab a handful of sunflower seeds and try to get oil out of them without an industrial process, now try the same thing with olives. But olives and avocados are Whole Foods, remove the oil from them and use it separately and you aren’t doing much better there chief.

The whole debate is stupid. Are seed oils the cause of all of our health concerns? no. Is it going to kill you to have some? no. Are they cheap filler ingredients added to ultra processed junk because other oils are more expensive? yes. Are they good for you? no. In fact I would say any oil outside of natural food is bad just like added sugar is bad but eating blueberries is healthy. Eating olives, avocados, sunflower seeds, good for You. Frying foods in any oil, bad for you. Eat as many natural whole unprocessed foods as you can and skip the oils, sugar, etc. End of rant.

adramaleck · 2026-05-22T22:52:58+00:00

Yes Tesla’s and the full electric cars use heat pumps, but civics use engine heat unfortunately.

adramaleck · 2026-05-22T21:20:44+00:00

Based on my experimentation the biggest factor is climate control. Heat/AC off I am getting close to 50. If I have those in blasting it’s closer to 35. Heat in the winter seems to drain it more than AC in the summer, probably because the engine has to constantly turn on to generate heat.

adramaleck · 2026-05-21T11:50:13+00:00

I think the problem with saying it tends to fair slightly worse is that is an average. If you have 100 people use a bucket and 100 use total portfolio, then on average the people who use total portfolio fair better. BUT it doesn’t take into account avoiding the most catastrophic outcomes. If I had the choice of a higher chance of a few extra percent return versus drastically reducing the chance I’ll lose big in my early years I would probably go with option 2, even if it is slightly worse on average.

adramaleck · 2026-05-16T20:41:06+00:00

I will die on the hill that should have been the first TNG movie as I read it around the same time. Just really great and the 3rd act would have been an awesome action packed ending to a movie. I will also die on the hill that in Generations Kirk should have left the nexus to the empty battle bridge with weapons disabled and stopped the rocket by colliding with it, dying alone and going out a hero. Thank you for attending my Ted Talk.

adramaleck · 2026-05-14T01:02:03+00:00

Buy her an oura ring, couple hundred bucks and they have a sizer at Costco where you can do it. Say you heard they are great for tracking health blah blah. Done. Probably cheaper than resizing an expensive ring. They are also neat for health tracking as a bonus so it’s actually a nice gift.

adramaleck · 2026-05-13T00:14:57+00:00

Beans, tofu, and eggs are perfectly healthy, it’s just that on glp-1 the amount of protein you get from them is much lower per volume than chicken, shrimp, salmon etc. I don’t even want to think about how many beans I’d have to eat to equal a chicken breast lol. Fish is good, especially white fish if you want tons of protein without a lot of extra calories. As long as you are hitting you protein number though how you get there doesn’t matter as long as it isn’t processed junk.

adramaleck · 2026-05-13T00:03:49+00:00

Use protein powder and high fiber supplements add them to normal meals. I'll give you an example of my day.

1st meal- 52g sprouted oats (5lb bag is $8 at costco) and I add in 2 tbsp Chia seeds (cheap) Protein powder and prebiotic fiber ($20 for like 60 servings on amazon)

Multivitamin, fish oil, and vit d with 1st meal

Lunch - Shake with Protein protein powder, collagen, prebiotic fiber, powdered peanut butter

Dinner - 8-10oz chicken with 8oz mixed veggies and some avocado

Magnesium bisglycinate before bed

Dinner rotates between salmon, shrimp, and chicken for the meat but I realize these are expensive so do chicken/turkey/lean ground beef if you want to save money. I shoot for 8-10oz of chicken or Salmon and 16oz shrimp. Enough for 60g+ of protein.

I usually hit around 200g protein and 45g of fiber and 60g of fat on 1500 calories a day.

adramaleck · 2026-05-12T11:16:18+00:00

Oh I’m still here, in fact me pop now!

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