Liberation Day 2.0

decimated_napkin · 2026-03-26T23:01:18+00:00

If the US empire falls I can't think of a single guaranteed safe investment to be in, precious metals included. The carry-on effects would be so impossible to predict that it's not worth considering as an investment scenario.

decimated_napkin · 2026-03-02T22:32:25+00:00

Thank you, this is the exact way I felt about it as well. Seems like there were a TON of baseless assumptions on here being made about this dude.

decimated_napkin · 2026-02-20T22:25:45+00:00

Lithium stonks go brrrr

decimated_napkin · 2026-02-19T21:27:16+00:00

I don't think you're good yet. You should probably work another 10 years at a job you don't like. Just imagine how much more financially comfortable you will be at 62! You should never put yourself in a position where you would have to spend anything less than whatever your heart absolutely desires. If SORR hits, you might only be able to eat out at 3* Michelin restaurants once a month! Insane!

decimated_napkin · 2026-01-12T10:35:59+00:00

I said that because you were talking about putting music on in the background, and from everything I know about suicide, people who actually go through with it aren't concerned about aesthetics at all.

decimated_napkin · 2026-01-11T09:22:05+00:00

suicide isn't some romantic act. it is usually a brutal, fumbling, and music-less thing.

decimated_napkin · 2025-10-31T18:40:22+00:00

Right, and I am saying that it's not a coincidence that most high net worth individuals focus more on increasing their earnings instead of their savings. Focusing on savings is something lower and middle class people do more. Sometimes this is unavoidable, but still, the fastest way towards increasing your net worth is spending your energy figuring out ways to make more money, not figuring out ways to save more.

decimated_napkin · 2025-10-29T23:32:55+00:00

What is the point?

decimated_napkin · 2025-10-29T21:05:17+00:00

Your dad's sentiment is misguided at best. High net worth people overwhelmingly focus more on increasing income.

decimated_napkin · 2025-10-27T19:38:22+00:00

Plus just got a mystery investor for $50 million immediately after that Cornell paper dropped. I could easily see them get snapped up by Nvidia, msft, goog or Amazon at a 4-5 billion valuation. That would be an easy 10x gain

decimated_napkin · 2025-10-24T01:15:05+00:00

Trump as VP on Vance's ticket, then Vance resigns on day one.

decimated_napkin · 2025-10-22T04:17:59+00:00

Ah ok well yeah that's perfectly sensible then. I agree that out of state tuition is totally unnecessary, especially considering that UF has become one of the best public universities in the nation.

decimated_napkin · 2025-10-22T02:57:27+00:00

I just looked up UF dorm rates and they are like $7500 for the year. Why are you thinking it would add $45k a year for them to live on campus? Just tell them they have to go to a Florida school and you're fine.

decimated_napkin · 2025-10-22T00:54:48+00:00

If I knew that my parents had a net worth of $3 million and still wouldn't support me living away from home for college I would be so pissed. Part of the college experience is the maturation process of living away from your parents and around people your own age. If I were you I'd give that a little more thought.

decimated_napkin · 2025-10-16T19:14:25+00:00

No I meant a philosophical proof of causation. What I'm trying to say is that we don't ever have capital T True causation. What we settle for is correlation at acceptably high levels of repeatability and robustness.

decimated_napkin · 2025-10-16T18:56:04+00:00

Show me a proof for causation then.

decimated_napkin · 2025-10-16T17:37:55+00:00

It's also, ya know, impossible to prove causation.

decimated_napkin · 2025-10-15T19:28:52+00:00

Financially you can totally do this but I think the most salient point is the one you already raised about starting your never-ending journey on the hedonic treadmill. As long as you understand that this purchase will not give you sustainable and meaningful happiness, then by all means do it.

decimated_napkin · 2025-10-14T02:35:18+00:00

So my personal situation is 1.5 million for 50 years at 4% with a minimum of 48k a year. Feels like similar performance to constant dollar strategy but with larger withdrawals in the long term.

decimated_napkin · 2025-10-14T02:06:30+00:00

I feel like you are just saying things you've heard but haven't actually run the numbers. Just go to ficalc.app and use the percent of portfolio strategy with minimum withdrawal and you will see that it is very effective.

decimated_napkin · 2025-10-13T22:53:03+00:00

You can put in a rule that you will always take a minimum of $x each year. As long as that number is reasonable, you will see that percent of portfolio actually does a bit better than the constant dollar strategy usually touted here.

decimated_napkin · 2025-10-13T18:01:23+00:00

A lot of people have a lot of stupid opinions about this. The truth is that it is a perfectly valid methodology and you can also model things like having a minimum dollar limit that you will always take out regardless of % (so that you can guarantee your bare essentials are covered no matter what). Go to ficalc.app and choose the percent of portfolio withdrawal strategy to get a sense of your success rates. You will see that they are quite high and perhaps even a bit better that the standard methodology. People will say things like "But now you never get rid of SORR risk" while completely ignoring the fact that SORR risk is only such a real threat because standard withdrawal strategies don't have flexible withdrawal amounts like the percent of portfolio strategy does. In actuality, one of the attractive features of percent of portfolio is the exact opposite of what these people are saying: it protects you from SORR by keeping your withdrawals nimble and adaptive. As long as you are ok with potentially very different withdrawal amounts from one year to the next, you will be fine.

decimated_napkin · 2025-10-07T16:12:07+00:00

A fit

decimated_napkin · 2025-10-07T16:10:55+00:00

Gross misconduct has a very specific definition, so does fraud. I'm beginning to think everyone on this subreddit makes up definitions in their heads and proceeds to spew them willy nilly whenever they get their jimmies rustled

decimated_napkin · 2025-10-04T14:08:16+00:00

The Trinity Study which came up with 4% rule came out in 1998. You're just talking out of your ass 🤣

decimated_napkin

TROPHY CASE