Josh Jaouli

How I Helped My In-Laws Borrow Their Way To Retirement Around 2019 my in-laws were having a cashflow problem & worried they wouldn't be able to retire. This didn't make sense to me, as they were earning well over $250K/year. Turns out they had significant credit card debt with an average interest rate of 12%. But I had an idea. They had approximately 50% equity in their home & mortgage rates were roughly 4.5%. So I made the following pitch to them. I would execute a cash-out refinance on their home. Then I would use the money to pay off their credit card debt, effectively swapping an 12% interest rate for a 4.5% interest rate. Doing this would immediately save them approximately $2K/month. And because I refinanced their home with a 30-year fixed rate mortgage, their monthly mortgage payment would be roughly 90% interest, which is tax-deductible. This freed up an additional $500/month. Finally, in November 2021 I refinanced their mortgage again. The rate & term refinancing took their mortgage rate from 4.5% to 2.75% . This saved them an additional $600/month, bringing the total tax-free savings to $3,100/month, akin to receiving a salary increase of $62,000/year. Because of this, they could retire without worrying & I no longer have to listen to my mother-in-law complain about money 😉

@RSPY_critical Idk which tweet you're referencing

@DurableCashflow Idk are you being friendly or mean?

Knuck if you buck boi

@CollinCusce @TheLaurenChen And wasn't this in a stay in your ground state? Meaning he has no obligation to retreat

@TheLaurenChen Honestly, he can't claim to self-defense if he used fighting words and provoked and didn't withdraw. All accounts say he didn't do that. However, those who watched it say Fox was waiting outside the court for him. Stalking.

The discourse around Chud The Builder is totally different than a few days ago When the story first broke, almost everyone I saw agreed he acted in self-defense, but most of the focus was on how crass and ill-advised his behavior was And you know what? If the race- baiters wouldn't have said anything, that would likely still be the narrative HOWEVER Those bozos couldn't help themselves, and they had to chimp out They started saying how Chud deserved it, how his words were provocation, and the usual justifications for black violence And so now? Well now Chud IS a hero and I will 100% support the effort to make him a millionaire and pay for his lawyers until these people learn

@CollinCusce @TheLaurenChen No, I can say whatever words I want. That doesn't give you the right to commit violence or threaten me with violence, and it doesn't mean that I can't feel like my life was threatened. Stop being a dumbass.

Again, if you want to act like a chimp and can't use your prefrontal cortex because you monkeys do not possess executive function, then just say that. If someone called me every name in the book, we still wouldn't commit violence towards them. If words make you act like that, then you're a child. Crazy to see how many of you keep provoking people who have 20 IQ points on you and think that this is going to end somewhat well

No. Tom Sheppard, he is charged with provocation which makes his self defence case die in its tracks. Self-defense requires: • Reasonable belief of imminent unlawful force. • No contribution to creating the danger (i.e., you weren’t the aggressor). • Proportional response. If evidence shows coercion or baiting (e.g., texts, witnesses, setup like leaving valuables out to lure someone), prosecutors can argue you engineered the situation. This turns a potential self-defense claim into murder, manslaughter, or assault charges. “Baiting” cases have led to convictions when intent to provoke was clear.

@NoQuartersUSA @FWPlayboy @DaygameCharisma Legit loled "Enthusiastically" 😂😂😂

@FWPlayboy @DaygameCharisma I wore my ring on my chain to protect it at work and about 3 girls enthusiastically asked if my wife was dead…

Why do married men use the "I'm just with her for the kids" so much? Wouldn’t you have objectively better results, for cheating purposes, to say you love your wife very much and are very happy with her? That would trigger competition anxiety and preselection WAY more than "I got chained to a woman I don’t like and she doesn’t like me and now I gotta pay her bills for life"

If you're married and you still pay income taxes in the US, in my opinion at this point, that's an IQ test There's no reason why any married person couldn't buy enough real estate over a couple of years and have their wife personally oversee the property. You could still have a third-party manager but you'd qualify for REPS (real estate professional status) and be able to deduct your cost segregation depreciation from your ordinary income. I know people who make $150k per year AND people who make $150k per week who both have 0% effective tax rates as a result.

@EDH_Nordic Sort of but even that is often not true US tax is progressive Higher income… more taxes… and not just federal.. state and local as well

Been living in Europe 3 years now with my wife and two kids More and more questions lately about whether/when we’ll move back to the US We don’t know My Dutch and EU friends are typically shocked after I explain to them that, despite a 50% top income tax and a global unrealized wealth tax, we would still net far less disposable income in the US than the Netherlands, for example. Health+dental insurance for a family of 4 in the NL costs ~€350/month with a ~€300/year deductible which the Dutch call “eigen risico” or “own risk” We rent a 4 bedroom ground floor apartment with a huge back garden in arguably the most desirable part of the city… and pay less than our mortgage in New Jersey in 2020 when we had a 3% interest rate. We don’t own cars. Transportation is super cheap relatively.. I estimate 10-20% cheaper because we bike, walk, tram, train.. rent a car when needed for short trips. Kids go to a school that costs €0/year that costs $40,000/year in New Jersey.

@aruvinchan Yeah, man, Jason Statham just looks like he's just falling apart bc he buzzed it off. Bro I fuck with most of your shit but this is nonsensical. To be clear, most guys should be going to Turkey to fix their hair if balding but barring that, buzzed is better IMO.🤷🏼

OK, I'm going to trigger so many (bald) guys, but why do they say this: "Just shave it off and own it." How's shaving it off "owning it?" If anything, shaving it off is concealing it, the opposite of owning it. Trying to hide the balding pattern and making it look like a deliberate choice to be bald when it's clearly involuntary. Owning it is like this:

@RSPY_critical this is why you didn't understand the rest of my tweet lol Listen to this

@RSPY_critical No Hot garbage youtu.be/sWIpkSqXoxU?si…

@BowTiedKong @WestsideLAGuy lol No, performative gay Christianity is Absolutely no Christian denomination with anything resembling masculine leadership holding women accountable Let alone any which outright dismissively treating them like children (as God intended)

@WestsideLAGuy Christianity is rising in the West, you’ll see

Vast majority of these kids will go to college, have tons of premarital sex, become culturally "liberal," and make no impact on transforming American culture. Unlike Islam, Christianity has failed to impose its norms on society via power. It is a weak emasculated feminine religion.

@TheLetsNotDate You speak in gypsy riddles

Men use sexuality to intimidate, to frighten, to unsettle. I use it as a language. Turning their favorite weapon into their discomfort is one of my favorite games. It is their turn now.

@Forlorn_Hope1 @Thedrivenman You don't know 2 guys like this Let alone being like "Oh ThEy'Re RaRe nOwAdAys" as if they've ever been abundant

@DurableCashflow @Thedrivenman Now?

Men over 30 with hair, high libido, a killer physique, a paid-off car, a house, zero debt, and steady cashflow are rare as hell now.

As for the last paragraph, brother I know the feeling too well It's like I could have drank 2 protein shakes/day, hit the gym 90 minutes 4x/week and 10x my results in college Even had a bodybuilder friend try to convince me by saying "I've seen your game, if tou get to 10% bodyfat like you'll pull 10s CONSISTENTLY" what did I do? Ignore him completely and continue being skinny fat 🤦🏼🤦🏼🤦🏼

Nah i'm good... I'm mid 20s and i seem to do quite fine with my hormone levels and androgen receptor sensitivity... I'm at around 15% bodyfat though and just went into my cut towards 11-12 and then will continue building with a very slight surplus from there. I don't want or need to be huge. There's very little upside to that. Lean and athletic should be rather easy to maintain while giving you pretty much the same upside... Girls were lustig over Jamie dornan in 50sog or brad pitt in fight club not Ronnie Coleman... I just feel stupid for not being able to put 2 and 2 together earlier... It's not like becoming lean or muscular is particularly hard, i just didn't bother for a long time as i believed what women said about what makes men attractive to them and looks always scores lower on any such list... And i didn't even get it after i had seen two girls i knew (but wasn't interested in anyway) literally go crazy for one lean athletic guy they barely even knew...

Bingo! Actual intelligence is NOT an attraction trigger for women. Getting lean & fit and retardmaxxing is a far higher ROI for men’s dating strategy than being a world renowned scientist.

Oh then absolutely no need dude at your age, I'm 38 so it's different You've really not seen any big help from getting to 15%? I got an autoimmune disease that made me fat & dieted from 24% down to like 12% but I'd say 75% of the results came from going from 24% down to 15%, going to 12% just makes everything more angular Wait till you go to the dark side though....your first time on Anavar you're going to be like "Yo fuck that guy on X for not telling me to get on Anavar at 25" lol

@aruvinchan youtube.com/shorts/HJLwvM9…

Another short man-tall woman pairing sighted! Are you tallmaxxing, anon? 🙂

@aruvinchan Saw a D1 wrestler win a national championship, dude was like 5'8", ran into the crowd and picked up his SIX THREE D1 volleyball player baddie GF. I'm 6'1 but I was like "this inspirational AF"

Imagine being dumb enough to purchase a woman anything besides alcohol before you've slept with her Have 2 drinks on an empty stomach early, take her home then tell her "I'm starving let's go grab food" & bring her to your sleeper hit ethnic restaurant Afterwards back to your place for additional sexual congress She'll think you went on 4 dates by the next morning & be smitten

Formal dates are epic but you need game, money and a plan. 1) Start the date not at the restaurant but 10min footwalk away from it, so you have room to walk and smalltalk to break the ice. Strangers sitting at the table immediately can become awkward. 2) Choose cheap sleeper-hit ethnic streetfood (something like Shawarma Hut in London for example) Pay for her meal. Cheap restaurants are totally fine for a first date BUT you have to have TASTE. Guys fail here because their choices usually signal stinginess/no taste/lack of effort 3) You need game at the table. Make her laugh. Let her talk most of the time. Ask lots of questions. Balance is key. You gotta signal the following things all at the same time: >being curious about her >but unimpressed >being supportive >but not simp I see so many guys either going full simp or being downright disrespectful and douchey. 4) If you pass the game check, you can follow up with something fancy at night. If you're confident, but broke you can go to Karaoke. Order a bottle of champagne. Let her choose all the songs. Sing passionately along even if you don't know the songs (most pop songs are predictable anyway, if you don't have terrible pattern recognition, you'll figure out the melody 20 seconds into the song) If you aren't broke, then take her to a spontaneous musical, followed up by a fancy bar, followed up by a $500 5 star hotel room (one with good view, giant bath tub etc) Key is to lead from start to finish. Pass rapport checks all the way. Switch venues often. If you do it correctly, she'll be all over your dick, let you raw dog, choke on that steel boner (or just take the whole thing if you aren't well-endowed) A fancy date is basically prolonged premium foreplay. If you don't get what I'm saying, just fly to Thailand and get urself a ladyboi, it's actually much better for you...

@XRPsnoop @Zygomatic03 Sorry it said guanfacine

Really? Can you elaborate further? I was peppering Claude with questions and finally got it to say Cerebrolysin is probably the closest thing we have to "anabolic steroids for executive function" but I'm interested to hear more about MB. How long did it take to work, did you use any ancillaries & were you using ADHD meds beforehand or simultaneously?

MY TOP FIVE HIGHEST ROI BIOHACKS: BROMANTANE - Literally fixes ADHD TADALAFIL - Vascular health and longevity, epic boners that will blow your foid away D3/K2 - Never get sick again. I haven't been sick in nearly two years GLYCEROL - Crazy pumps through hyperhydration, you basically become prime Arnold for a day VITAMIN E - Powerful antioxidant, reverses stress on your balls making them HUGE