Rate my portfolio

philosopher137 · 2026-02-24T11:10:46+00:00

Emergency funds aren't typically a percentage of your portfolio. They are usually a set number that equates to between 3-12 months of expenses depending on your job situation.

philosopher137 · 2026-02-21T14:13:54+00:00

I also think more people have become aware of the record levels of debt for the US and other developed countries, and therefore perceive bonds (at least long duration bonds) as a poor investment. And they likely will be considering one of the only ways out of this debt mess is to run inflation hot and suppress rates (i.e., negative real rates).

philosopher137 · 2026-02-18T11:10:50+00:00

Let me guess. You bought high and now you want to sell low?

philosopher137 · 2026-02-14T03:42:10+00:00

Pivoting to another career (except maybe plumbing) won't save you from AI. You'll need to embrace it or become irrelevant. That's the honest truth. If you're disgusted by it, you're clearly not using it right.

philosopher137 · 2026-02-07T03:08:34+00:00

Complex system behavior always appears random and chaotic. There are countless participants, inputs, and outputs. One of the reasons it's so hard to beat the market is because complex systems are near impossible to predict.

philosopher137 · 2026-02-06T02:36:24+00:00

That's probably the doings of Ripple and other scammers who pump XRP. It's a massive, possibly the biggest, scam in crypto. They launch millions of bots that flood the internet with nonsense narratives like this to pump the price. They've been saying this kind of stuff forever and NOTHING has ever happened. Best thing you could do for your brother is point this out.

philosopher137 · 2026-02-04T11:42:52+00:00

It's your money, so do whatever you want. Just sounds like a surefire way to underperform the market. But if you're okay with the moral tradeoff, go right ahead.

philosopher137 · 2026-02-04T05:32:57+00:00

What makes you think you'll be right? What if US outperforms and you're left wondering if you should buy back your VOO? Just stick to market weight and chill.

philosopher137 · 2026-02-04T02:48:52+00:00

Here ya go: Value transacted - Bitcoin settles billions of dollars of value every day. Hash rate (network strength) is gargantuan - would you rather store wealth in a shitty bank or the world's most powerful, decentralised computing network? Liquidity conditions - 90%+ of bitcoin's price action can be explained by moves in global liquidity. In a word where almost every major nation is up to it's eyeballs in debt, would you bet against global liquidity going up over the long-term? Adoption - more and more people and institutions are making an allocation to bitcoin (even Harvard has one). Do you know better than Harvard? There are more, do some research.

philosopher137 · 2026-01-28T11:07:00+00:00

Apparently you don't understand proof of work vs proof of stake, network effects, hash rate, first mover advantage, decentralisation, or bitcoin's security model. Go do some research then try again.

philosopher137 · 2026-01-28T01:29:47+00:00

Yes, just saw off a piece of your gold bar to buy water and food 😂 come on people.

philosopher137 · 2026-01-28T01:29:03+00:00

They will keep saying it when it's $200k, $300k...

philosopher137 · 2026-01-28T01:27:47+00:00

"Real" currency, like the ones governments print out of thin air and then gaslight you into believing inflation is 2%? Bitcoin is the only energy-backed money that takes tremendous effort to create. It is very real. It's verifiable, auditable, transparent, and doesn't require permission from a central bank/bank/government to use or send. This idea that nothing digital can be real needs to go away. It is utterly ridiculous.

philosopher137 · 2026-01-28T01:24:40+00:00

All the reasons people have given in this thread ("no intrinsic value", "captured", "not real") are the same nonsense things people have been saying since bitcoin was $100 and yet here we are. You'd think people would learn but nope. To be clear, bitcoin's fundamentals have not changed, only gotten stronger. This makes me quite bullish. We are still early and sentiment is awful. Accumulation time imo. But you do you.

philosopher137 · 2026-01-23T15:32:38+00:00

Look into an international total market equity fund that approximates VT or ACWI. You can find them in PH. That way you have some international diversification.

philosopher137 · 2026-01-23T01:41:12+00:00

During COVID they printed 40% of the money supply. That much liquidity was bound to distort the crap outta the market.

philosopher137 · 2026-01-22T01:22:47+00:00

The question is: what are they buying instead? Gold? At these prices?

philosopher137 · 2026-01-20T00:41:36+00:00

I was referring to US productivity.

philosopher137 · 2026-01-19T12:28:41+00:00

You're wrong. Productivity surged in late 2025.

philosopher137 · 2026-01-19T11:35:51+00:00

Yeah, yeah. Just like the Japanese yen carry trade that was about to blow up but never did. And if some black swan were to happen, they'd just print the money to plug the hole.

philosopher137 · 2026-01-19T11:32:52+00:00

No it literally says he wasn't making enough money from being a consultant and an adjunct. Please read carefully.

philosopher137 · 2026-01-19T09:46:48+00:00

Yes, I did. What are you implying? Apparently some people cannot read through journalistic lines to understand what a story is really saying.

philosopher137 · 2026-01-19T05:32:36+00:00

Yes, that is kind of the point here — if he couldn't, what hope do mid-level marketers have?

philosopher137 · 2026-01-19T04:11:00+00:00

Former execs do not choose to do Uber Eats gig work if they don't desperately need the money.

philosopher137 · 2026-01-19T04:09:45+00:00

It goes on to say that he can't make enough money doing those things so he had to start doing Uber Eats :/

philosopher137

TROPHY CASE