Eric Giraud

@iky_fwjett Side with with dont take it , if you take the money prenup is appropriate .

My parents are giving us $150k for a house and my husband wants to turn it down because they asked for a postnup My husband and I have been married for 4 years. We're buying a house in the Bay Area and my parents offered $150k for the down payment. My mom said they want some kind of legal documentation to make sure the money stays with me if something happens. My husband got really quiet when she mentioned it. I've been reading Strangers by Belle Burden about a woman whose husband of 20 years just left her out of nowhere. She thought she knew him completely and then he became someone she didn't recognize. It made me think about how you can be with someone for years and still not really know what they'd do if things changed. My parents saw my aunt go through something similar. My husband thinks asking for a postnup is insulting and means they don't trust him. He said if they can't give it without strings then we should decline it and save up ourselves. My sister says do what my parents ask since it's their money. My brother says it'll cause problems in my marriage if I side with my parents. I don't know who's right here :( am I being naive or is he being too sensitive??

@lawyer4SMBs Mowing can be relaxing

I remember a while back I said that if you make over $200k a a year and still mow your own lawn, you're doing it wrong. Now that the average quote I'm getting for my lawn is $400 a month, I think I'm changing my mind on that statement. What are folks running for lawnmowing equipment on a 1 acre mow these days?

@dwengca @RobinhoodApp I did that and regret it now , thinking about giving transfer bonus back and moving back , the bait and switch on intrest and they knocked my gold card rewards down to 1% , fidelity offers me 2% back and interest is same , do like the extended trading and low margin thou

It's sad day for me. After all these years, Good bye fidelity. Hello @RobinhoodApp

@TheLongInvest In the end I think those that control compute win , eventually all the models will be equal , so who has the factories to generate compute .

OpenAi broke the ceiling Gemini caught up Claude is disrupting just about everything now Who wins?

It’s almost tax due day , I try to remember to be grateful for the lot in life god has given me , and to remember none of it’s really mine , even thou I get hella salty giving up my money to tax man knowing it won’t be used effective

@shaguncrypto Used car like Honda Toyota , communal living , and every weekend work to invest and get ahead

The median American earns around $60–70k a year Someone explain how they’re supposed to afford: A $400k home A $50k car Rising insurance And everyday bills Not even including savings or investing Just one logical answer.

@RentYourStocks We probably should wait till the have one and can secure the supply chain , compute will decided the winners in end they basically will all be the same even open source

If you like $NVDA at $183, you'll love it at $83 Just wait until the algos turn on $NVDA like they did with SaaS.

@WheelieInvestor I just got my gold knocked down to 1% because I used it for buissness expenses . Thinking it’s time to close up shop , fidelity gives me 2%

Damn paying taxes sucks This is the first year that i actually had some real income I thought I would get 3% back paying with my $HOOD card but apparently not I paid an extra 2.5% fee hoping that I would get the points on Robinhood That’s so annoying

@BenMillerise @conorsen Good podcast , thank you

@ericlpgiraud @conorsen open.spotify.com/episode/5qiibw…

Again, what is the rationale for valuing OpenAI above Anthropic? Anthropic should be $1 trillion at this point.

@uninsightful Vcx has been a way to get access , its trading at multiple of nav now . Its allowed me to participate in Anthropic , OpenAI , space x , data bricks , Anduril

the existence of $100B+ (let alone $1T+) private market companies is truly tragic for retail investors microsoft IPO'd at an $800m market cap and did a 6000x+ in the public markets (dividends reinvested) Anthropic, the next microsoft++, will enter the public markets north of $1T -- with relatively little upside left retail (100m+ americans!) having no exposure or extremely-late-exposure to many of the best companies in the world is bad for everyone imo ofc, I am also just expressing my own max pain at this Anthropic revenue ramp

@sciencegirl Human nature

What is stopping humanity from living peacefully together?

@pepemoonboy The renter rent costs will increase over time causing the monthly costs to flip to buyer saving probably more then the renter

I ran the numbers on renting and investing the difference vs. buying a home... The results are shocking. The setup: - Median U.S. home sale price: $398,000 (NAR, 2026) - Average U.S. rent: $2,000/mo (Zillow, 2026) - Mortgage rate: 6.51% (30yr fixed, 10% down) All in monthly cost of owning that home: - P&I: $2,266 - Property tax: $332 - Insurance: $215 - Maintenance: $332 - PMI: $149 - Total: $3,294/mo Renting cost: - Rent: $2,000 - Renters insurance: $14 - Total: $2,014/mo The renter saves $1,280/mo. Plus the $51,740 in down payment and closing costs never leaves their pocket. All of it goes into $VOO. Using the long term S&P 500 avg return of 10% and home appreciation of 3.4%/yr (the avg since 1891): After 10 years: - Renter portfolio: $334K - Home equity (net of selling costs): $219K - Renter wins by $115K After 20 years: - Renter portfolio: $927K - Home equity: $531K - Renter wins by $397K After 30 years: - Renter portfolio: $2.41M - Home equity: $1.02M - Renter wins by $1.39M Even if you give the home 5% annual appreciation, the renter still wins at every single checkpoint. At $VOO's actual historical return of 13.99%, the renter's portfolio hits $6.38M after 30 years. The home equity is still $1.02M. The part nobody talks about: after 30 years your rent is $5,614/mo. Sounds scary. But your portfolio is generating $20K+/mo at a 10% return. You could pay that rent 3x over and never touch the principal. A home is a place to live. $VOO and the stock market is a wealth building machine. Not financial advice. There are lots of variables I may be missing. Run your own numbers.

@emilyinvc I like this , thank you for sharing it

if you’re depressed, or even if you’re not, you need to be adventure-maxxing go fall in love. build her a boat. buy raw leather and make her a purse. dedicate your time not to consumption, but the mastery of a skill in honor of a loved one. build a kit car for your grandfather. buy a guitar for your father. give great gifts to those who have given so much to you. deploy your capital aggressively. take risk. love risk. love yourself. love others. be outrageously generous. pay off your ex’s student loans. donate to every group that’s ever taken you to dinner. radiate adventure

@ns123abc It ain’t over yet , that’s why you need to own both

🚨BREAKING: ANTHROPIC RUN-RATE REVENUE JUST SURPASSED $30 BILLION >anthropic ARR: $30B+ >3.3x growth in four months >openai ARR: $25B Anthropic has officially defeated OpenAI as the revenue leader Dario WON.

@SoyVixen Just tell the server that next time when you get sat at the table , like hey I know you might expect more than 10% tip for good service but I don’t tell your boss to pay you more

Ayer un mesero se ofendió porque dejé $100 de propina por $1,790 de consumo. Vio los $100, puso jeta y dijo "fueron $1,790 de su cuenta", como diciendo "no es ni el 10%". En mi perra vida vuelvo a comer ahí. La propina es VOLUNTARIA y si le pagan poco, que le reclame a su patrón.

@amitisinvesting What a cool time to be invested in tech , man we are In the game maybe we hit that grand slam

BREAKING: Anthropic has now hit a $30B revenue run rate, up from $19B at the end of February. They added $11B of ARR in one month. We barely have agents in the enterprise. Most people still haven’t even used an LLM. We…aren’t bullish enough? $NVDA $AVGO $GOOGL $MSFT

@alliekmiller I’m in both at great price thru vc fund , my thinking is either one could at anytime change the world , its almost like insurance to not miss it lol just incase

What are my current valuation predictions for OpenAI and Anthropic? OpenAI was valued at $28B in April 2023. Its latest funding round puts it at $852B. Anthropic was valued at $4B in early 2023. Today, it’s worth $380B. In my opinion - and this is not investment advice - these companies could easily reach $2T in valuation in the next two years. I tweeted in November 2023 that we would see companies start to raise tens of billions of dollars. At the time, I believe the largest round that we had seen was $10B, with $1B raise announcements still hitting top headlines. People - including some prominent investors - told me I was crazy. Over a year ago, I said companies would raise $100B at a $1T valuation, which is nearly what we just saw with OpenAI. Again, people said I was crazy. When you start to think of these companies as GDP movers with massive opportunity in healthcare and life science and finance (and not fun tools to create party invites, though I delight in doing that too), it’s easier to map out potential impact. Who knows if I’m right. And who knows what the timeline will bring. We could absolutely see a tech dip in the coming months. But in the fullness of time, as Amazon folks always used to say, I believe AI providers have much more value that can be created compared to what we see today, and I believe the valuations haven’t hit their maximum.

@pepemoonboy Locking in rent for life is game changer , expensive at first but after a awhile not so much I couldn’t rent rv spot in Seattle for what my house payment was 18 yrs ago lol

The hidden costs of homeownership nobody tells you about: property tax, insurance, maintenance, PMI, HOA, closing costs, repairs, and the stress of being your own contractor.

@FinanceLancelot Better hope USA doesn’t leave you to Israel have you seen Palestine . Better to negotiate and stop

If the U.S. destroys Iran's powergrid, Iran destroys OpenAI, Microsoft and Nvidia's data centers, which implodes the entire private credit market overnight because all their loans get revalued to $0. Maybe that's exactly what causes this flash crash.