Optimized Portfolio | John Williamson, APMA®

$BOXX after-tax return calculator is live to compare against a plain T-bills fund like $SGOV for specific tax rates. Obvious disclaimer: Rough estimate. Hypothetical results. Not tax advice or investment advice. Consult your CPA and CFP®. optimizedportfolio.com/boxx-after-tax…

Regular reminder that dividends are not a free money glitch. If only it were so. 😌

@CarsonTalkMoney @joecarlsonshow Those sound like nice goals and achievements but I'd pass on his videos and idolatry. Hopefully he hasn't convinced you to be sensitive and anti-evidence like he is. Guy hates evidence and data that contradict his echo chamber of pitching stock picking and dividends to novices:

This is honestly the dream, I don't think anything in life is better If I we're to name my future goals it would be: - 4-6 kids - A paid off 5 bed room house - Married to my girlfriend - $1 million + stock portfolio Those are all things my idol @joecarlsonshow has achieved If you don't watch his videos you really should they have changed my investing mindset for the better

@champagne_isme @cliffcornell_

@OptimizedPort @cliffcornell_ I’m probably half of those views. Your best vid by far.

Investor psychology can be a massive headwind for some. It can be hard to mitigate some influences and biases, but being able to identify when they're at play can be advantageous. Let's look at what they are and how to identify them. 🧵👇

@SCHDaccumulator x.com/OptimizedPort/…

Acquired 0.77 shares of $SCHD for $25.01 today! Increasing annual income by $0.80💵 Total share count: 49.76

@SCHDaccumulator What does this indicate?

$SCHD P/E: 17.33 $QQQ P/E: 38.78 🤔

@SCHDaccumulator QQQ's st. dev. is ~1.5%. Not that unusual. "HAMMERED" is quite the hyperbole.

High beta stocks got HAMMERED today: $QQQ: -1.90% $SMH: -4.19% $DRAM: -9.25% $SCHD? It held up just fine: +0.46% Looks like investors are flocking to safety, as healthcare and oil stocks were up big today.

@SCHDaccumulator Again, on the "stability" thing, nope. x.com/OptimizedPort/…

With $SCHD, you get: -A diversified basket of profitable US companies -Generational passive income -Lower beta/higher stability in uncertain times It simply is the best dividend ETF ever 💰

Can you point me to them? Again, to my knowledge there are zero human studies and only a couple singular in vitro studies looking at this.

@OptimizedPort @MaryBowdenMD There are plenty of studies showing that chlorella not only binds spike but stops the virus. You need high doses of it such as 15 to 20 pellets several times a day. Dandelion dismantles spike. Broccoli sprouts detox spike.

We haven’t found anything very effective to “detox” from the spike protein. The best I’ve found is ivermectin and is usually the only thing I try at this point. If patients fail ivermectin and have severe issues, then we start talking about going to Japan for DFPP. I’m interviewing @KevinMcCairnPhD and @EdogawaPatients tomorrow night with an update. Join us live at 7pm CT.

@DIY_Tardis @drterrysimpson Eh, I don't know. I've had it confidently spit out factually incorrect finance stuff to me many times, and health is even higher stakes.

@OptimizedPort @drterrysimpson Ai slop is OK. Claiming you wrote it isn't.

“Not one carbohydrate is essential for life.” That’s a biochemistry flex—not a health argument. Yes, your body can make glucose. Congratulations. You can also survive on protein powder and multivitamins. That’s not a diet—that’s a rescue plan. Now let’s talk about people who don’t just survive—they live longer. Look at the Seventh-day Adventists. Look at the Mediterranean diet. Look at the Blue Zones. They’re not avoiding carbs. They’re built on them. Beans. Lentils. Whole grains. Vegetables. Fiber—lots of it. And here’s the problem for the low-carb crowd: fiber only comes from carbohydrates. No fiber, no healthy microbiome. No healthy microbiome, no long-term metabolic health. That’s not ideology—that’s data. Low-carb influencers love the word “essential” because it sounds scientific. But it’s a distraction. Air isn’t “essential” in a textbook definition if I can put you on a ventilator. Try living that way. So yes—carbohydrates aren’t “essential” if your goal is to avoid dying today. But if your goal is to avoid heart disease, cancer, and metabolic collapse over decades—then every high-quality dataset points the same direction: Carbohydrate-rich, fiber-heavy diets win. And the thing they tell you to eat more of? Saturated fat. That one actually is non-essential—and strongly linked to the diseases shortening lives. So no—carbs aren’t required to keep you alive. They’re just consistently present in the diets of people who don’t die early.

$DRAM - another hot, new, expensive sector ETF I won't be buying.

@Mamba423 @dieworkwear Sure, but this instance just seems like a terrible example of that, and there are far more egregious ones. It is clearly a joke. As for what he really believes, you'll have to ask him.

@OptimizedPort @dieworkwear Idk if you know this but people form their opinions from podcasts like these. Or even worse, they seek stuff like this out to reinforce the very serious anti-social beliefs they already have. This is the problem with saying something is “just a joke;” a lot of the time it isn’t

IMO, a lot of people don't have a worldview. For them, politics is about gender performance. Andrew Schulz fantasizes about joining the military to fight for his country, but won't set his thermostat to 78°. It's not about civic responsibility, but about performing machismo.

I don't know, man. Again, this is a Wendy's. I've said multiple times that I don't have any solutions or even useful insights. I would never even begin to try to analyze the sociopolitical leanings of a comedian on a comedy podcast to this degree. Seems like an exercise in futility, and a silly one at that. I'm sure you could have more fulfilling, more productive discussion on this with the Derek guy or Andrew himself.

@OptimizedPort @dieworkwear But I’m not talking to him, I’m talking to you

Maybe. Again, there's the rub for me though - why are we even thinking about this at all, much less writing a serious holier-than-thou tweet about it, when it's a goofy, narcissistic comedian being silly on a comedy podcast? I don't see the point. Why not dunk on someone else saying a more egregious thing in a more serious manner in a more serious setting? Maybe I'm missing something.

@OptimizedPort @dieworkwear But what Derek is originally saying is that this guy only values civic responsibility when it’s convenient for him rhetorically. He’s happy to turn it into a joke and bitch and moan if it’s even slightly inconvenient or would make good comedy. The joke is the point

@Mamba423 @dieworkwear Okay. Take it up with him.

@OptimizedPort @dieworkwear The whole point is that even if he IS joking, the sentiment he’s expressing is deeply entitled and self-centered! Him framing it as a joke actually makes this anti-social behavior even more pernicious

@Mamba423 @dieworkwear Maybe ask Andrew then, man. I can't get inside his head and tell you what he really believes. I can tell you he is clearly joking in the 2nd clip and that using it to draw a moral judgment is ridiculous.

@OptimizedPort @dieworkwear And it really gets to Derek’s point, which is that comedians can escape any criticism because if they say anything you find objectionable, it was “just a joke,” and you’re “taking it too seriously.” He’s making jokes, sure, but he clearly agrees with the sentiment hes expressing

I think it's more likely he's doing 78 than the "64 to spite him," like I already said. If you care so much, maybe you should hit up Andrew and ask him. But that has little to do with my point that picking one serious clip and one clearly-joking clip and comparing them to make a serious value judgment comes across as stupid, which I also already said. Any more theories?

@OptimizedPort @dieworkwear But you said he was being sarcastic, and your response to people disagreeing with you is that they “don’t understand deep sarcasm.” You can’t just move the goalposts after realizing you were using a word wrong

@Mamba423 @dieworkwear Great. Again, couldn't care less what he believes or doesn't believe. We could even just call it hyperbole. Or more broadly, a joke. Whatever you want.

@OptimizedPort @dieworkwear Sarcasm is when someone says the opposite of what they believe for comedic effect. If this guy was being sarcastic then that kinda by definition means that he actually DOES support setting your thermostat to 78 during a heat wave, because in this vid he’s complaining about it

@Mamba423 @dieworkwear Yep, I chose to reply initially 12 hours ago and now it is 12 hours later. I wasn't implying that I sat here typing for 12 hours straight. On the thermostat thing, once again, already asked and answered and linked to you:

@OptimizedPort @dieworkwear Doing this for 12 hours was your choice. It seems like the crux of your argument is that this guy was being sarcastic in the 2nd clip, but when I asked you if you thought he set his thermostat to 78 degrees you referred me to another tweet where you didn’t answer the question

Thanks. And you're not very good at making one, because I have yet to even begin to understand what you're trying to get at or what kind of trap you thought you were going to walk me into, but congrats on making it this far I guess. I sincerely believe you don't understand what you're attempting to argue for or against in this instance by replying to me here. To answer your question, I cared enough initially to write a brief reply to the OP 12 hours ago. Now 12 hours later after seeing the sheer number of idiots - and their sheer level of idiocy and illogic - who came out of the woodwork to pointlessly hurl ad hominem insults so quickly and cavalierly, I regret engaging and I do not care enough to continue. Make sense? Cheers, internet stranger. 🫡

@OptimizedPort @dieworkwear Yeah I read them and you’re not very good at defending your point. Which makes sense since you clearly formed it without thinking. If you don’t care why did you say anything to begin with?