The Safest Space

Same study packaged for different audiences

@redtroop222 @AdemLuz And everyone is rooting to win more of you than the other competitors. The boss wants you to be a great employee regardless of whether that means you'll be a worse spouse or friend. Time and attention are unfortunately zero sum games.

@AdemLuz parents want you to be a great son because it benefits them, being a good worker benefits the boss, any first date that saw you and wanted you to get laid, by them, was because they wanted to have sex with you. everyone is not rooting for you, everyone is rooting for themselves

Everyone is always rooting for you. Your parents want you to be a great son. Wife wants you to be a great husband. Your boss wants you to be a slam dunk hire. Every first date you’ve ever been on they’ve been rooting for you to get laid. Every time you started to tell a joke people hoped it would have a hilarious punch line. Your proximity to anyone is a reflection of themself, meaning the deck is never stacked against you, and your failures are completely your own

@Tneliton @grok is this real?

A new classic. 😆

The number of people who can hold two thoughts at the same time is dwindling at a dangerous rate.

Underline Article 1. And bold it. Consider italics. And add something expressly about how people raising and using wheat on their own farm isn't "commerce among the several states." Yes, I know that sounds obvious. Trust me on this.

@woke8yearold If the house flips in the midterms, pretty much guaranteed impeachment. Seems like he has a month or two to play the "free" hand to see if he can win some concessions and start rolling back

Americans hate Trump's economic policies more than covid but yeah keep coping about how your tldr post about community connection is going to stop a political bloodbath the optimistic side of this is that Trump's tariff policies are DOA

@DataDInvesting @ArcheValuesX It also has a lot to do with the legal and compliance friction that comes from being a chartered bank. Getting ambitious new projects approved at SoFi is a compliance nightmare. Robinhood's risk tolerance is notably higher and it's a product focused org vs. a finance focused org

@ArcheValuesX It might have something to do with that. It might have even more to do with the integration of Technisys on the back end, which won't finish until the end of this year.

Time for a more nuanced post on $HOOD and $SOFI. SoFi needs to be releasing products at a faster pace. First, some context. I'm not really worried about SoFi in the long term. They are going to continue to do what they do. They have a plan and they are executing against it, it's yielding results, their execution against the backdrop of what they've faced has been excellent. That doesn't mean that there aren't concerns, and this is a big one for me. Furthermore, most (not all) of what HOOD is releasing is actually already available on SoFi. Robinhood Strategies is functionally the same as SoFi's award-winning roboadvisor that they've had for years, albeit with better UI. And yes, UI and UX absolutely matter. APY is easily changed with the click of a button and SoFi has greater flexibility there because they aren't contracting with a third-party for the APY they offer. This isn't a real concern, if they see deposits transferring out to Robinhood (and yes, they absolutely know where that money is being transferred), they'll take action. As for the "white glove" stuff, SoFi has access to financial planners for free and you can start estate planning from the app. SoFi Relay already tracks my net worth in real time, including my Robinhood brokerage account. I could very convincingly argue that most of what Robinhood released last night was actually just copying SoFi. Several other things are probably not needle-movers for most people. The cash delivery thing is cool, but probably not going to be used or needed by most people. The tickets to exclusive events, likewise, is not particularly unique and most people don't care. The international transfers with ease and multiple accounts are one of the more requested features from SoFi and I think they will absolutely be differentiating factors for some people. It's not the offerings I'm worried about. It's the culture and the time to ship products. The reason I went so hard into SoFi is because I saw their flywheel in action when I joined in January 2020. I came for the APY and no fee banking. I ended up very quickly cross-selling into Invest, using Relay, and getting a credit card in the next several months. All of those products had been released within about one year. They were iterating fast and launching products fast. I felt like I finally had a bank that was going to be offering me services at the speed I needed them. 2021 and 2022 weren't bad either. First to market with IPO investing and the only company to offer shares in IPOs like Rivian (say what you want about the company, it was one of the biggest and most sought-after IPOs ever at the time). Award-winning best roboadvisor for 2021 and 2022 by Barron's despite only starting the entire brokerage product in 2019. The lowest margin rates available without a subscription in the market. A rewards program that was intuitive, helpful, and easy to redeem. They got their bank charter, acquired Technisys, and rolled out SoFi Plus, which tied everything together and promoted cross sell. They launched a BNPL offering and options trading in Q4 2022. The innovation and product release schedule were fast and furious. Then it all ground to a screeching halt. The pace of consumer-facing product releases slowed to a crawl. If you asked me at the end of 2022 what would be available on SoFi by now, I would have been virtually certain they'd have SMB accounts, a thriving and expanding credit card ecosystem, be offering auto loans, probably would have at least dipped their toes into offering insurance as a primary, and maybe (not likely but maybe) expanded internationally. None of that has happened. It isn't that Robinhood is offering products that are better, it's that they are offering products their user base wants, getting them out the door, and in many cases doing it before their users want them. SoFi used to do that too. A core reason I put so much into the stock was that rapid pace of product development and release. That's my concern. Why did they stop? What happened to that culture? Where is the rapid pace of product releases that we saw for years as SoFi members? Why can I still not have a separate custodial account for my kids? I want them to get their money right, but their money is sitting in a Schwab account right now, where it's been waiting to transfer to a SoFi account for 5 years at this point. Noto talked about "Cash Coach" in September of last year. Where the heck is it? This isn't a winner-take-all market, but it is a winner-take-most market. There will be multiple winners, but in order to continue to take market share, you have to continue to meet your user's needs. I fear that SoFi has lost sight of that key component that keeps it's users engaged. You can't correctly identify what moves the needle for your clientele unless you are constantly putting out products for them to try to get real user feedback in real time on real products. They want nested S-curves of growth, but to do that, they need new products to test, vet, improve, iterate on, and scale. Steve Jobs very famously told his employees that "real artists ship". He was frustrated by the endless delays and missed deadlines as his team was striving for perfection. It changed the course of that company Stop tinkering in the background. You've been iterating on Cash Coach for your own employees for more than six months. We've heard about tax filing from SoFi for years. They've been teasing and talking about SMBs as a possible vertical for just as long. True creativity and innovation isn't just about inspiration or vision, it's about completing and releasing those products to consumers. I think it's time for SoFi to step up. Real fintechs ship.

oh you're upset about the Supreme Court? let me tell you a relevant story the year was 1942 and an Ohio farmer was growing wheat on his own property and feeding it to his own animals...

This is a banger quote from Liang Wenfeng (CEO of DeepSeek).

@johoromero @dhh @shl DEI was always there as protection against the mob. Nobody in the c-suite actually thought these departments were anything more than cost centers. In a bull market these costs can be overlooked, but they will be the first things cut in a downturn.

@woke8yearold One-shotted by buddha

There’s actually an even deeper point to be made about how the discrete self and the body are themselves not real but yall ain’t ready for that conversation

Free will doesn’t exist. Your choices are a product of chemical processes in your brain and body, there is nothing inherently less noble about the chemical processes being adjusted using artificial means

@woke8yearold Honestly wouldnt mind X putting sensitive content warnings up. I don't need to see people getting wacked when I'm casually scrolling before bed

There’s something sort of odd about how extreme violence is considered less worthy of being censored than even relatively tame sexual content. My own instincts say it should be the other way around but it’s not anywhere you look

@PSpaceAmoeba @woke8yearold Yea this is a big part of it

@woke8yearold Your free money comes from interchange fees, so really it's the merchant paying you for being such a valuable customer.

If you’re even okay with money credit cards just give you money for free. It sometimes makes me feel bad because I know it’s due to people with no self control immolating their finances. A direct transfer from them to me/the credit card company

Bots are probably way more prevalent on social media than most people think. Feels like 70%+ of replies I read on X are non-human at this point. Unfortunately, social platforms are not super incentivized to fix the problem, so it probably gets increasingly worse from here

@MattFromSMM @Jason @PalantirTech Flavored puches are already banned in CA

@Jason @PalantirTech These rich tech bro nicotine users should maybe donate to the fight since there’s various states trying to ban flavored pouches.

Ok, if Karp is gonna pop a zyn and spin a laptop during a podcast, @PalantirTech is easily worth 60x sales! 😂😂😂🫡 🐐 x.com/nearcyan/statu…

@testinprodcap PvP mode already? Feels like spot traders going to front run and dump on Saylor for next couple weeks

Absolute mayhem, market turned into a full blown scam in minutes. That was the final exit pump, and we fell for it.

@eigenrobot It's a walking pneumonia. You need a z-pack antibiotic and a steroid inhaler. It will be gone in 3 days.

coming to grippes with the possibility i might have pneumonia or something third upper respiratory infection bout since mid october, continuous coughing for months, unpleasant fever, tweeting through a haze looks like urgent care in my near future

@woke8yearold True. And betting on equities/crypto scams is at least a capital loss when you lose. Gambling tax losses don't carry forward and can only offset gambling wins

Sports betting actually seems like one of the worst forms of gambling if your goal is to win It’s extremely random and non deterministic while also being an extremely efficient market fool of professional analysts. You’re definitely the sucker imo

@growing_daniel I'm just here for the qualia

good news: we're famous! bad news:

what is tpot? lately, i've seen people asking what is tpot, while obviously being part of it. I've also seen larger accounts explaining their version of tpot and its genealogy, which kinda felt more like gatekeeping the elite club that is this-place-on-twitter rather than trying to explain what that is. so here's my take, my half-assed and very dumb attempt to explain what tpot is to me. its story doesn't start on twitter. and no, it doesn’t begin thousands of years ago with the ancients, even if it has similarities, but roughly, as @tenobrus explained and laid out, it roughly begins with the extropians mailing list, a group of minds focused on transcending human limits and exploring the future of abundance. this was the intellectual basis that eventually mutated into the ethereal entity we now call tpot. tpot stands for this-place-on-twitter, and yeah, it's genealogy is a nerdy cocktail of mailing lists, blogs, and forums before finally morphing into the twitter cosmos (to be fair, many, if not most current people in tpot weren’t even born when this started, so no shame in not having read all of the blogs and emails). but don't get hung up on the ancestry; tpot is way more than its roots. it's everything and nothing. it does not have a physical location, yet it's mostly in the bay area. tpot has no rules, yet the unwritten code is crystal clear to those who are in it. it’s the spirit of innovation and progress. it's an enigma wrapped in a digital paradox. tpot is a vibe. it's the 21st-century salon, the virtual victorian café buzzing with intellectuals debating everything from AI to zeno's paradoxes and sisyphus’s struggles. imagine the academic lounge of yore, where professors and academics smoked cigars and drank whiskey, philosophizing into the night. that's tpot, minus the smoke (more zyn and vaping) and with more keyboards and X spaces. it's a network of a few thousand or so accounts and their adjacents spiraling around technology, philosophical thoughts, intellectually challenging and sophisticated questions, a modern curia or αδελφάτο if you will, but with dirty t-shirts instead of togas and diet cokes (or boba) instead of wine. it's where the future is brewed. politics is downstream from culture, but culture is downstream from tpot. here, in this digital pot, the outcasts, daredevils, misfits, geniuses, nerds, and retards, find common ground: a place where some of our time’s best thinkers debate. morality is a blurry line, and of course, there’s going to be scandal (see the last couple of weeks and many such cases). side note: i'm not condoning what happened: i wholeheartedly condemn and despise it, i'm just making the case that it's an inevitable consequence because that’s the whole point: exploring what’s allowed, being on the fringe of absolutely everything, trying to explore, innovate and create new things. that’s why you’ll find the best and worst of society, the border where chaos and order meet to spawn new ideas. and, as any court to be respected, of course, you’ll encounter the clowns, the courtesans (Ae**a), the witches, the knights, some Vikings, geniuses, the circus freaks, and everything in between. tpot is not an arena, it's THE arena, a free-for-all symposium where the wildest ideas clash and coalesce to shape tomorrow. that's why you cannot delete tpot, it's the ethos that has always been here since the beginning of time, the ethos of discovery and philosophical debate, which moved on twitter because of how the platform allows this to happen. and you? you don't just "enter" tpot. you discover it, resonate with it, and then realize you can never really leave. it's not an exclusive club with a velvet rope; it's a state of mind, a shared spirit that echoes the ancient societies, the extropians' forward gaze, and the relentless pursuit of understanding and progress. so, what is tpot? it's a vibe, a digital curia, a lineage of thought stretching back millennia, now digitized and evolving on X spaces. it's where the brightest minds stir the pot, questioning, creating, and forever chasing the horizon. welcome to the discourse, the chaos, the future. welcome to tpot.

@eigenrobot Yes. Just cleared up. Take z-pack and steroid inhaler. The steroid inhaler was key

anyone else on like week 5 of an upper respiratory infection