OKC EP
233 posts


@eurofounder Is this a troll post? Surely. If so, the parody is peak. If not…
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My son asked for a PS5 for Christmas
I said no
“Son, PlayStation is made by an evil corporation built on worker exploitation”
I got him another electronic gift instead - an EU-approved USB-C cable
He opened it with visible disgust
Then something utterly shocking happened
My wife’s boyfriend Arnold got him the PlayStation my son wanted
“Thank you uncle Arnold” my son hugged him for almost a minute
I pulled my wife aside and explained that her lover is undermining our values
She mumbled “at least he got him a real gift”
The morning after, while my son was still asleep, I took his console and went to the store
Thanks to the wonderful EU consumer protection law, I was able to get a full cash refund of €549
Then I bought a gift for my son that he truly deserves
€549 worth of carbon offset credits
When I came home my son was crying looking for his PS5
I smiled and showed him the carbon certificate
He started shaking and cried even more
Being a good parent means teaching your child European values
And I know my son will thank me for it in the future
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Banks would consider it in terms of net worth I believe. I think this is a good question.
I’ve tried to explain to my kids the difference between being wealthy and making good money. As a cardiologist I make good money, but I do not consider myself wealthy because if I stop working my income stream dries up, and I cannot sustain our expenses. My goal is to get to the point where my alternative income stream is sufficient to live independent of my cardiology revenue.
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lead actor a little too full of himself otherwise great movie
MyTimeToShineHello@MyTimeToShineH
Give me your honest thoughts on Shang-Chi and the Legend of the Ten Rings
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🆚 $WTPI vs $JEPI — Retiree Reality Check
This is not a growth comparison.
This is not a DRIP fantasy.
This is what actually matters in retirement:
• How much cash you received
• What was left after spending it
• How much damage you took along the way
Same capital. Same rules.
Income withdrawn. No DRIP. No selling shares.
⸻
💼 SETUP (REAL LIFE, NOT THEORY)
• Start balance: $350,000
• Income: 100% withdrawn and spent
• Timeframe: 2021–2025
• Goal: replace paychecks without blowing up capital
This is how retirees actually live.
⸻
🗂️ IMPORTANT TIMELINE CONTEXT (SO THE DATA MAKES SENSE)
This part matters and clears up the confusion people always bring up.
• Pre-2021: The fund existed under a different name/structure (PUTW)
• 2021: WTPI did NOT exist under the current ticker and strategy
• 2022: WTPI launched late in the year → partial ramp year
• 2023–2025: First full operating years under the current WTPI strategy 🟢
That’s why:
• 2021 shows $0 for WTPI
• 2022 shows lower income
• 2023+ is where the strategy fully turns on
This is not cherry-picking. It’s structural reality.
⸻
💰 INCOME (THE CHECKS THAT HIT THE ACCOUNT)
WTPI
• 2022: $12,051 (partial launch year)
• 2023: $34,773 🏆
• 2024: $48,482 🏆
• 2025: $43,482 🏆
JEPI
• 2021: $26,125 🏆
• 2022: $39,942 🏆
• 2023: $28,994
• 2024: $26,471
• 2025: $24,624
🧮 TOTAL INCOME — TWO WAYS (THIS IS IMPORTANT)
Full window (2021–2025):
• JEPI: $146,156 🏆
• WTPI: $138,788
➡️ JEPI wins early because WTPI didn’t exist yet
Apples-to-apples WTPI window (2022–2025):
• WTPI: $138,788 🏆
• JEPI: $120,031
➡️ WTPI paid +$18,757 more (+15.6%) 🏆
And in 2025 alone:
➡️ WTPI paid ~77% MORE income 🏆
⸻
📊 ENDING BALANCE (AFTER SPENDING THE INCOME)
• WTPI: $412,248 🏆
• JEPI: $363,561
➡️ WTPI finished +$48,687 higher
➡️ +13.4% advantage, even after paying more income 🏆
This is the part people miss:
WTPI paid more and preserved more.
⸻
📉 RISK & STRESS (CAN YOU SLEEP?)
• Max drawdown
– WTPI: -15.06% 🏆
– JEPI: -18.93%
➝ WTPI suffered ~20% less drawdown
• Volatility
– WTPI: 8.79% 🏆
– JEPI: 10.12%
• Risk-adjusted return
– WTPI Sharpe: 0.88 🏆
– JEPI Sharpe: 0.63
WTPI delivered more income with less overall stress.
⸻
📈 YIELD (WHY SCREENERS CONFUSE PEOPLE)
• WTPI trailing yield (TTM): ~13.7%
– 2023: 8.9%
– 2024: 12.0%
– 2025: 13.7% 🏆
SEC yield understates options income.
TTM reflects actual cash paid.
That’s why WTPI often looks “worse” online…
…and better in real retiree accounts.
⸻
💸 FEES & SCALE (CONTEXT, NOT DECIDERS)
• Expense ratio
– JEPI: 0.35% 🏆
– WTPI: 0.44%
• Assets under management
– JEPI: ~$42B 🏆
– WTPI: ~$300M
JEPI wins size and branding.
WTPI wins outcomes.
⸻
🏆 FINAL SCORECARD (NO AMBIGUITY)
🏆 Higher income (full cycle) → WTPI
🏆 Income growth & ramp → WTPI
🏆 Higher ending balance → WTPI
🏆 Lower drawdown → WTPI
🏆 Better risk-adjusted return → WTPI
🏆 Lower fee → JEPI
🏆 Bigger AUM / liquidity → JEPI
🏆 Early-period income stability → JEPI
⸻
🎯 FINAL WORD (RETIREES ONLY)
If you’re reinvesting and want smooth optics, JEPI is fine.
If you’re retired and living on distributions:
WTPI did the job better. 🏆
More cash.
Less damage.
Same market. Same rules.
Paper gains don’t pay bills.
Income does.
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@elonmusk @PalmerLuckey Ask Grok to explain the concept of “incidentaloma”. This type of screening (while great in theory) is not benign and can generate numerous false positives leading to unnecessary testing, some of which could be invasive and result in harm.
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@PalmerLuckey Widespread MRI usage done at least annually with AI reviewing the data would greatly improve wellbeing and mortality
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Imagine thinking the President of the United States doesn't get regular preventative MRI scans.
Heck, I do this, and I am a lot less important than the leader of the free world.
Kelly Morrison@KellyMorrisonMN
Doctor here 👋 There's no such thing as a "preventative MRI."
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@MarioNawfal How does the ride compare to the new S and new Y? My 2024 Y is loud and rough. Love it otherwise but wow it’s loud and rough.
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TESLA MODEL X ON AN ENGINEERING DIET - LOST 400 LBS
Tesla didn’t “improve” the Model X – they stripped out everything that wasn’t pulling its weight!
Weight Audit:
• Motor swap sliced 100 lbs of dead mass
• Battery pack dropped 90 lbs without losing range
• Interior cuts freed up another 80 lbs instantly
• Wiring and cooling shaved off the rest of the bloat
If a part wasn’t earning its calories, it didn’t make the cut!
Source: @grok, @Tesla
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@roundhill_ops $AVGO/$AVGW is doing so well but not much said about it by retail. Thoughts?
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@darrelltalksfi A 30-year-old doctor has barely finished their training and begun to practice. Income likely went from $40,000 a year to $300,000 a year overnight in good chance they have $300,000 in student loans. Apples and oranges situation.
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