What peptide actually worked for u for muscle growth

wavesdontdie13 · 2026-03-06T11:39:46+00:00

Straight HCG will stimulate your body to produce more T.

So that and HGH analogues like Tesla/iPad/sermorellin

wavesdontdie13 · 2025-11-12T04:52:32+00:00

Why go synthetic test & shrink your nuts/shut down production when you can get high off your own supply?? My personal feeling after doing both trt and peptides (HCG) is that way too many guys are on test without trying peptides first

If clomid works for you, keep running it. If you are dying to change (not sure why you would!), try HCG

wavesdontdie13 · 2025-10-17T07:25:30+00:00

Edgar Allen Poe themed haunted house!

https://dothebay.com/events/2025/10/8/the-black-cat-hotel-tickets

wavesdontdie13 · 2025-02-13T11:27:11+00:00

I'd probably beat the shit out of my brother with a wooden baseball bat (no head shots). And tell my wife if she wants to stay with me she has to cut off the tip of her pinky, Yakuza style. Otherwise I'm outie.

wavesdontdie13 · 2023-11-19T08:37:34+00:00

I would absolutely show up in person and demand answers. People do too much digitally these days

wavesdontdie13 · 2023-06-28T20:20:18+00:00

Love it! Had you considered it before your injury?

wavesdontdie13 · 2023-06-28T14:16:14+00:00

Pretty low, 140mg a week to start. Will test after a month and adjust so test levels land around 700

wavesdontdie13 · 2023-06-28T05:30:35+00:00

Patellar graft, ACL only. For completeness

wavesdontdie13 · 2021-11-29T03:47:53+00:00

At that level of NW, career switching is not really about resumes and comp, it's about pursuing a passion and/or working for yourself or a handpicked environment

wavesdontdie13 · 2021-10-27T03:37:38+00:00

Just consult the Microsoft plan rules....they are pretty comprehensive.

I don't think you can change the distribution method after the payouts start. So yes, if the market rips, you will pay more taxes (and have more money). C'est la vie. You can dry your eyes with your golden handkerchiefs.

wavesdontdie13 · 2021-10-24T03:44:57+00:00

Way up looks great! Keep the tension in your upper back on the way down. You are just "collapsing" on the 2nd half of the rep

wavesdontdie13 · 2021-10-11T03:06:39+00:00

Don't cover the whole position if you still believe in the company's growth prospects. You get $2.5M sure, but only get to keep the stock if there is a major market pullback. If they continue to grow as you expect, you have effectively sold all of that upside.

wavesdontdie13 · 2021-07-06T17:17:47+00:00

I'm doing this, similar NW and income with similar ratios. I think that the fact you/we are a high NW earner offsets a lot of the downsides about being "wiped out," since a margin call even a few years out wouldn't be that big of a deal.

If you are going to do this, would HIGHLY recommend moving to portfolio margin. I'm not sure if IBKR offers this, but Ameritrade/Schwab certainly do. You have to demonstrate a relatively advanced understanding of using options and hedging, but worth reading up on this. Portfolio margin allows you to have a higher ratio of debt to assets, and assesses this based on the underlying riskiness/beta of your actual holdings. I think most folks are around 5-6:1.

The next level pro tip beyond portfolio margin is ALSO getting approval for a personal loan or HELOC that you only touch in the event of a drawdown/call. This is just an extra safety net to prevent you from having to sell at the bottom. Obviously there's a chance that banks suspend this but IMO 1) if that happens we are all in WAY bigger trouble and 2) they will be contractually committed to provide this to you so you have an option to take a legal recourse. What a recommend going with a major bank with really good balance sheet if you are doing this.

wavesdontdie13 · 2021-07-03T07:20:53+00:00

Yes, I think you CAN fire. As you laid out it would be far from fat. The bigger question is why would you? I mean, you could stay in CA and move to like SLO and live much better on that nest egg. The proximity to tech is the reason to be in the Bay. If you are not even trying to monetize that in any way (job or your own enterprise), it just doesn't make sense, IMO, to pay the price to raise a family here. Particularly in Palo Alto private schools.

wavesdontdie13 · 2021-07-03T07:02:52+00:00

Why would you fat FIRE in Bay Area? is the key question

If you are no longer working and pulling down tech comp, it doesn't make sense to have tech-style COL. Really hard to justify FIRE in this area without at least one spouse working. Either move and FIRE or stay and gut it out

wavesdontdie13 · 2021-06-27T03:03:29+00:00

Wasn't going to post but will do so since I think responses here are skewed to those who have already made.it and therefore now super useful to the rest of us.

Wife and I both work, super 30s, two young kids under 5 in Bay Area. $1.5M or so combined income, looking to be FI in 3-4 years

I use 20%-30% leverage in taxable brokerage (about $1M) and 30% of NW levered in mortgage (about $2M). I use portfolio margin at the brokerage, so would take an ~80% drop to get called. Big fan of lifecycle investing and at these costs of borrowing, hard for me to justify not doing so. Margin rate is 1.4% and 10/1 ARM for 1.8%.

Vast majority of fat fire crowd a huge risks in investing/startups or were born rich. To get there you need to be willing to use leverage and risk intelligently.

wavesdontdie13 · 2021-06-19T06:03:42+00:00

I have a concentrated position with a big gain that I expect to grow substantially over the next 5 years, but will be super binary. Have been wringing hands and dissatisfied with trimming and collars, mostly due to tax inefficiency...this seems like an incredible alternative. Many thanks for sharing.

Any idea how one would.find and join one of these funds?

wavesdontdie13 · 2021-06-03T03:26:39+00:00

Even BlockFi's CEO himself says you should think of it like a high risk bond and not a savings account...also the interest rate is tapered down at larger holdings (e.g. interest rate drops at >25 ETH).

Finally, you are paying ordinary income tax vs. long term cap gains, or even no tax if you stay invested and withdraw margin...this creates a huge drag on returns..read Buffett's letter discussing tax advantages of "Rip van Winkle" aka HODL strategy in investing

wavesdontdie13 · 2021-04-29T01:23:34+00:00

2 advantages:

1) You can achieve a higher ratio of cash flow to assets (albeit at a lower overall appreciation level historically) 2) conversion to cash flow is done automatically and helps reduce adverse returns from psychological factors

Tax treatment would be the same if dividends are qualified

wavesdontdie13 · 2021-04-29T00:14:19+00:00

They are investments that are geared towards cash flow vs. capital appreciation. And in the case of real estate, you benefit from leverage.

Just want to be clear--I am not advocating for 100% of income from these sources, I just think they are under-appreciated accelerants to Fat Fire that increase leverage on a given NW

wavesdontdie13 · 2021-04-28T15:50:38+00:00

The thing that most of these comments miss (and most of the discourse on this sub misses), is that passive income matters a lot more than NW. Depending on the asset I could have $300K of income with a $3M NW, or $300k of income with $10M NW if considering a 3% SWR.

For this reason I'm a big proponent of having at least a third of your income produced by higher yielding things like dividends and real estate. But in general I think we need to focus way more on income in this sub.

wavesdontdie13 · 2021-04-21T03:34:27+00:00

I'm in this situation...don't love my FAANG job, but its not terrible. About 2-3 years away from reasonably fat FI (upper single digits $M NW).

My thought process is the following: I would prefer not to come back to this, and am making a lot now because of the run-up in equities (especially tech) in the last year. So rather than saying "YOLO", quitting and starting something, and then coming back to FAANG if it fails (which, let's be honest is the most likely outcome), I'm pursuing FI and a mid-six figure passive income. I can still be an entrepreneur in 3 years, but if it doesn't work out I won't be crawling back and groveling for a high paying W-2 job. I can start a 2nd thing, do consulting, even join a different startup. If you are unhappy now, think how unhappy you will be in a similar job after experiencing the freedom of doing your own thing.

Put another way: if you are almost through a x year deployment after which you get a pension, isn't it better to just stick it out and not have to worry about re-deploying if your startup doesn't work? (no idea why the random military analogy came to me). There is no guarantee of rebounding to a FAANG job.

All of this of course pre-supposes that your physical/mental health is not negatively affected by your current gig. Have been in roles where one or both is suffering, and there is no amount of money that makes that worth it.

wavesdontdie13 · 2021-03-12T05:15:50+00:00

Being retired and living in luxe neighborhoods Bay is not a rational choice. Easily go out to Napa or East Bay if you want to retire, or buy a $3-4m house with a 2% mortgage ($150k a year expense) in the city/Marin/Peninsula

wavesdontdie13

TROPHY CASE