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Hi, my name is Bear
and I’m a degenerate investorholic.
I DCA every week.
I buy every dip.
I never sell.
I call it discipline.
Recovery starts after the next dip.
Not financial advice.
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FollowTheIncentives
4.2K posts
FollowTheIncentives
@FollowIncentiv
Wealth is the goal | Memes are the hedge. Real estate | Stocks | AI Ownership over consumption. Not financial advice
United States Katılım Ağustos 2011
319 Takip Edilen464 Takipçiler
@crazychrisisba The biggest flaw in “renting is better” math:
You still need to pay for housing either way.
At least with a mortgage, part of that payment eventually becomes yours.
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@FollowIncentiv 100%
The "renting is better" crowd doesnt realize they will spend more in rent than the interest on a mortgage
You have to pay for housing. Might as well pay for something you'll own, or at least build equity with.
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The scary truth about “renting is better”:
Most Americans were never going to invest the difference into the S&P 500.
Financial Twitter acts like everyone is maxing out Roth IRAs and buying VOO every month.
Reality:
For many people, their house is the only meaningful asset they will ever build.
A paid off house at retirement is a lot better than retiring with nothing.
What do you think?🤔
Colin@colin_gladman
Y’all have to understand 50% of all households own ZERO stock or have retirement accounts. I talk to “everyday” people all the time absolutely getting crushed right now. The stock market is NOT the economy. A very large majority of this country and world don’t care about a memory shortage or how many GPU’s $NVDA can sell. They care if they can put a roof over their head and groceries on the table. And most are struggling to do that. Make sure you look outside the glass house every now and then.
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@the_hoch A lot of finance advice online assumes perfect humans.
Real life is messy.
That’s why “boring” advice like:
buy a home
keep a stable job
contribute to a 401k
carry life insurance
…actually works for a lot of average families.
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@FollowIncentiv Get married, stay married. Get employed, generally stay employed. Avoid heavy drug use. Follow those basic rules. You’ll never be bankrupt.
The advice for upper income PMC isn’t the right advice for the middle 3 quintiles.
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I think doing physically hard things hardens your mind.
I wrestled in high school, joined the military, and do CrossFit now.
All of them taught me how to stay calm under pressure and keep moving when things suck.
Now when life throws hard challenges at me, I don’t fall apart. I put my head down and figure out the path to get it done.
Most people avoid discomfort.
That’s usually why discomfort breaks them.
Have you had similar experiences in your life? 🤔
Nick Wholesales Houses@NickMaccini
I think most men could solve every problem in their life by doing jiu jitsu
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Exactly.
A lot of the “rent and invest the difference” crowd assumes people are robots with perfect discipline.
Reality is most people were never investing that difference consistently anyway.
For many Americans, the mortgage was the forced savings account that actually built their net worth.
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@FollowIncentiv Depending on when/what you’re trying to buy or rent, I’m not convinced there is a large “difference” to invest anyway. My mortgage is $1500 or so less than my house would rent for currently. And, after 10 years, it’s probably cheaper than almost any apartment we could rent.
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@CuriousPejjy Hopefully.
Please don’t tell me at 2030 we need to hold till 2040.
I’m trying to enjoy some of that reward before I’m in diapers.
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You into it?
I think doing physically hard things hardens your mind.
I wrestled in high school, joined the military, and do CrossFit now.
All of them taught me how to stay calm under pressure and keep moving when things suck.
Now when life throws hard challenges at me, I don’t fall apart. I put my head down and figure out the path to get it done.
Most people avoid discomfort.
That’s usually why discomfort breaks them.
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I think most men could solve every problem in their life by doing jiu jitsu
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🎉2200 followers🎉
In celebration Black Mamba is about to take Mrs Mamba out for a date 😏
She looks stunning too
MISSION UNLOCKED: 10,000 Followers by the end of 2026 🔥
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Chamath said $SPCX may be building “most important internet infrastructure project since the internet itself.”
Thats why the IPO debate is so complicated since SpaceX may look expensive on traditional metrics but those numbers likely don't capture the full upside over the next decade.
Starlink growth, Starship economics, satellite-to-mobile, government demand, orbital AI compute & convergence of space infrastructure with AI infrastructure are all bigger than what shows up in a clean multiple.
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AI can write the email.
AI can build the deck.
AI can draft the contract.
AI cannot sit in the room and read the tension.
The last human skill isn’t intelligence. Its presence.
What can you do that a prompt can’t?
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@Ihatesteaksauce This is honestly the core divide.
Math people optimize spreadsheets.
Behavior people optimize actual human outcomes.
A paid off house is a psychological asset too, not just a financial one.
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This is how I feel about debt. Most people have a 3.5% rate on their mortgage and they say well I could just put that in a 30 year and earn 5% and that’s true but they don’t. You still have cap gains tax on any sale, you pay ordinary income tax on the dividends and you get a tax deduction on the mortgage interest so the difference is smaller than 1.5%. Now if you just double your mortgage payment, consider that a fixed cost then you don’t have to convince yourself to put it in a safe interest accruing account, or whatever. It’s just committed and before you know it you’ve knocked decades of debt off your future. Buy used cars. Don’t finance things, even at 0% for 6 months cause you will convince yourself to spend more than you would have. Being debt free with a bare minimum brokerage seems better to me than a risk.
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NEWS: X just kicked out one of its biggest accounts for stealing content.
Massimo built a massive following by taking other creators' videos, cutting out the watermark and posting them as his own. Thousands of videos. Same trick every time.
Nikita Bier, X's head of product, told him directly: "Today is your last day in the Creator Program."
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The older I get, the more I realize that the freedoms I get to enjoy in this country are only because of people who gave up their lives in order to create the possibility for future generations to experience freedom.
Deeply proud to be an American and dedicated to making sure I never forget why I even get to have a chance to pursue the American dream 🇺🇸
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@JohnSpelman17 @dc2004 And you are probably far more disciplined financially than the average person.
That’s the whole point of the post.
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@FollowIncentiv @dc2004 I did for the last 10 years, worked out pretty well
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@Hard_Mode_Only Nobody is saying ignore the better path.
The point is the “better path” on paper often fails in real life because humans are emotional, inconsistent, and bad with money.
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@FollowIncentiv Saying that everyone should ignore the better path because no one has financial discipline is dumb.
Speak the truth and teach the better path. Those that see it are better off. Those that dont will remain ignorant.
Whats wrong with defining the best path case?
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@the_hoch This is honestly a pretty reasonable framework for the average family.
Not mathematically optimal maybe.
But real life and spreadsheets are not the same thing.
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And reason whole life insurance is much more useful in the real world than on spreadsheets. It’s terrible investment vehicle, but better than no investment vehicle.
Families should:
Acquire a home
30 year Term life to cover mortgage + life
Workplace 401k
“Burial insurance”
The zero poverty plan
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