MattyMcFly⚡

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MattyMcFly⚡

MattyMcFly⚡

@gamerguy51

Cybertruck Guy, Bitcoiner, AI Enthusiasst, Electric Car and Tesla Fan. Mostly retired, family man, husband and serial entrepreneur.

Florida Katılım Mart 2009
969 Takip Edilen947 Takipçiler
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MattyMcFly⚡
MattyMcFly⚡@gamerguy51·
@ZaidJilani when it does fail, you’ll say “yeah but the system is against him” or something similar. mark my words.
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Lam
Lam@Lamlam_10·
@babyburns29 @elonmusk Yh because he had his fitted with bulletproof glass and other spec upgrades. I'm think the base model is cheaper.
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Elon Musk
Elon Musk@elonmusk·
Cybertruck is so awesome 😎
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babyburns
babyburns@babyburns29·
@elonmusk he said a $100,000 truck is reasonable???? they have no clue what it's like being a part of the common folk.
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SPECK OF DUST
SPECK OF DUST@SPEKOFDUSTw1·
@MarioNawfal USA arrogance costs them dearly. Who is USA to think it CAN JUST TAKE IT. How about all other countries start looting America and JUST TAKE AMERICA’s LAND, surely USA will defend its land and its minerals. Trump&Hegseth are Bullies, They are a disgrace for diplomacy. USA is EVIL
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Brigham's Burner
Brigham's Burner@FiredUpCoug·
I keep hearing Nattō mentioned in posts about Japanese food. I looked up what it is. I like to try new foods when I travel, but this one scares me a bit! Is it good?
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forward deployed ccp gf
forward deployed ccp gf@FangYi11101·
Am I an out-of-touch boomer? When did it become normal for grown adults, after being raised, fed, clothed, and educated, to expect their elderly parents to subsidize their summer leisure at the expense of peak-season rental income?
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MattyMcFly⚡
MattyMcFly⚡@gamerguy51·
@pepemoonboy That's NOW. But we bought in 2016. 3% mortgage. 186K now sells for 385k.
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Pepe Invests
Pepe Invests@pepemoonboy·
When I ran the numbers on renting and investing the difference vs. buying a home, I used national averages and y'all lost your minds. Fair enough. This time I used two real listings in Durham, NC with matching bedrooms and comparable square footage. Apples to apples. The properties: - For sale: 305 Reynolds Ave — $389,000 / 3bd 2ba / 1,580 sqft - For rent: 1526 Smoky Mountains St — $1,950/mo / 3bd 2.5ba / 1,658 sqft The setup: - Mortgage rate: 6.50% (30yr fixed, 10% down) - Durham combined property tax rate: 0.99% - Home insurance: $1,721/yr (avg for 27707 zip) Buyer monthly cost (Year 1): - P&I: $2,213 - Property tax: $321 - Insurance: $143 - Maintenance (1%): $324 - PMI: $146 Total: $3,148/mo Renter monthly cost (Year 1): - Rent: $1,950 - Renters insurance: $14 Total: $1,964/mo The renter saves $1,184/mo. Plus the $50,570 in down payment and closing costs never leaves their pocket. All of it goes into $VOO. This time I'm accounting for what everyone said I missed: Assumptions: - Rent increases 3.5%/yr (it is NOT frozen) - Property tax increases 2%/yr - Home insurance increases 3%/yr - Home appreciates 3.4%/yr (avg since 1891) - S&P 500 returns 10%/yr (long-term avg) - PMI drops once equity hits 20% - Selling costs: 6% (agent commissions + transfer taxes) - Capital gains tax: 15% on stocks - Home sale exclusion: $500K (married couple) All results are AFTER taxes and selling costs Results: 1. After 10 years: - Renter net (after cap gains tax): $299K - Buyer net (after selling costs): $214K Renter wins by $85K 2. After 20 years: - Renter net: $815K - Buyer net: $519K Renter wins by $296K 3. After 30 years: - Renter net: $2.16M - Buyer net: $971K Renter wins by $1.19M "But rent will be $5,473/mo in 30 years." Yes. And the renter's portfolio generates $18K/mo at a 10% return. Even at a conservative 4% withdrawal rate, that's $7,200/mo. You can pay rent and still never touch the principal. What this still doesn't capture: - HELOC access / borrowing against equity - Refinancing if rates drop - Forced savings effect (most renters won't invest the difference) - Intangible value of ownership, stability, no landlord - HOA fees (if applicable) - Major repairs beyond 1% (roof, HVAC, plumbing) - Geographic differences: these numbers are Durham, NC. Your market will be different. A home is a place to live. It can also be a great financial decision depending on your market, discipline, and goals. But the "renting is throwing money away" crowd needs to run the numbers before they say that. Not financial advice. Run your own numbers.
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Pepe Invests@pepemoonboy

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.

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Vince Langman
Vince Langman@LangmanVince·
Wow! "Sugar Ray" is doing gigs at pavilions in theme parks. Sad!
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メンチ|世界のホルモン王子
こんにちは、世界の友達。 もしこの料理が目の前にあったら どんなソースをかける? 正直に教えて。 その答え、けっこう性格出るよ。
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Ælectric Cybersolarfarmer
There’s a sweet delicious irony about Trump shitting on EVs for years, convincing hardcore Republicans they are gay and ending their tax credits only to then drive up fuel prices to record highs forcing hardcore Republicans to either suffer or buy EVs they’ve been programmed to hate. 🤣🤣🤣🤣🤣
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MattyMcFly⚡ retweetledi
The Tesla Cowboy
The Tesla Cowboy@TeslaCowboy1·
I’d add, and about 20% of those I encounter in person are of that ilk. So tell me something genius, I’ll be 68 years old in June. In my life I’ve owned, driven, or ridden in just about every vehicle in existence, and I can say through personal experience, nothing beats a Tesla. And in the Tesla family, the Cybertruck is king of them all. It’s four vehicles in one, best sports car, best luxury vehicle, best 4x4, and best truck. So please, STFU with your Google/YouTube education 🤣😂🤣
TechOperator@TechOperator

Fun fact: Most EV experts on 𝕏 never owned an EV

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ヌートリア
ヌートリア@bush_cat32·
アメリカの友人達へ! 皆さん沢山のコメントをありがとうございました。 Shit on a Shingle を作ってみました。 チップドビーフは日本では購入できないので牛挽肉を使ってグレイビーを作りました。 盛り付けは米軍のメスキットw(1967年製)
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Dalton Brewer
Dalton Brewer@daltonbrewer·
Bruh is a decade late You can buy a brand new Tesla with AI4 for $37,000 No gas and virtually no maintenance required The average cost of a brand new car is ~$50,000
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Rothmus 🏴@Rothmus

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MattyMcFly⚡
MattyMcFly⚡@gamerguy51·
@Tusk_4Real Backwards compatibility ftw. Playing Gears Remastered now.
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Tusk 🦣
Tusk 🦣@Tusk_4Real·
I worked my ASS OFF at work this month I earned a decent bonus I haven't had a new home console since the Dreamcast in 1999 Wife surprised me with a brand new Series X (physical ofc) I was *originally* going to get a PS5 Pro with my bonus But Sony decided to raise their prices two days ago and I'm just not paying $900 for a PlayStation absolutely not, on principle Sure, there's a few exclusive titles I want to play but I don't care that much tbh Plus I like the Microsoft controllers significantly better even tho I have always been a PS person in the past I really just wanted the ability to play Code Veronica, and the occasional AAA title that isn't available on Switch So a week or so after the Sony accouncement I changed my mind and we agreed once we got a current gen console we would do a Series X It's crazy to have something new for once we have stepped into the 21st century PC Elitists- calm down. I don't want a gaming PC, I don't care that they're objectively better and more versatile don't be annoying please thanks Now to play my 25 year old game with state if the art hardware!!
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Jordan Weir
Jordan Weir@weir_racing·
@cybrtrkguy No you don't. Elon and Tesla said so. All the influencers said so. You've got plenty 🙄 Source: a fellow CT owner that knows how bs the range is for a truck.
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The Cybertruck Guy
The Cybertruck Guy@cybrtrkguy·
> Left home with 92% > Drove 233 miles > Required charge of 38 minutes in the middle of the trip. > Not towing I need more range. There is no other option. That is ridiculous.
The Cybertruck Guy tweet media
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