Zachary Mineur, CFA CFP®

@Eze_Wilberforce None of this is true.

Whatever you do, don't open a bank account in your own name. I didn't know this until my dad stopped me the day I got my first paycheck. I'd done everything right. Got paid. Went to the bank, opened a savings account in my name, and deposited the whole thing. My Boss looked at me and said, “You just put a target on your back.” Then I had no idea what he meant. He explained that the moment your money sits in your name, it's exposed. Creditors can see it. Lawyers can find it. Anybody with a judgment against you can freeze it and take it completely legally. So here's what he told me to do: Step 1. Go to the IRS and apply for an EIN. A tax ID number, but for a trust instead of a person. Step 2. Select a revocable trust as your entity type. List yourself as both the grantor and trustee. It gives you full control of everything. Step 3. Take that EIN to any bank and open an account under that trust name, not yours. The money is still yours. You spend it, move it, and invest it however you want. But on paper, it's not attached to you. If someone sues you, they can't touch what they can't see. This is the system intelligent billionaires have always used. Own nothing on paper, control everything in reality.

This isnt about "the winner" shooting that score. It is about this one particular guy shooting that score based on his handicap. There could be a million players in the field or he could have been out there by himself. The odds of him shooting that score do not change. They are exactly 1,580.6 to 1.

@greenbackzach @YipStrickler @BarstoolClassic Cool! Out of interest what odds do you have it at then that the winner of the barstool shot a net 62? (Approximate would be fine).

Davis McDulin and Blake Poe claimed the top spot at the first @BarstoolClassic qualifier of 2026. Blake was a 7.2 handicap index and fired an even Par 71 (NET 62) from the Black Tees at The Park. According to the United Sandbagger Guardian Agency’s (USGA) score probability table, the odds of Blake shooting a 71 were 1 out of 1,580.6. #TheYipRule #golf #journalism

Yo @NBCSPhilly why are we not showing the sixers playoff game????

@betsbehavingya @YipStrickler @BarstoolClassic My man.. my brother.. I can assure you with absolute certainty this is not correct.

@YipStrickler @BarstoolClassic How many people played in the tournament? Assuming he wasn’t playing solo you have to take the 1580.6 and divide by number of competitors to get the actual probability of this happening. Assuming 150 people or so it’s then a 10% chance of happening.Not sure this is groundbreakin

Filing for Social Security at 62 permanently reduces your benefit by 30%. A $2,500 monthly benefit drops to $1,750. That's $750/month less for the rest of your life. The math on waiting is hard to argue with. I was quoted in @GOBankingRates talking more about it. gobankingrates.com/retirement/soc…

Looking to buy a house? The number of sellers exceed buyers by 600,000 according to Redfin data, the largest gap since they started collecting data back in 2013.

@shameeka_stone @FinanceLancelot

A 11.7 sigma move in tech returns dispersion isn’t just a red flag — it’s a fire alarm. This is more extreme than the dot-com top, and it’s telling us that the narrow tech rally is about to crack. The divergence can’t keep widening forever. Who’s not buying the “AI bull market” narrative here

Have you guys ever experienced an 11.7 sigma event before? Well you just did this week, exceeding the top of the dot-com bubble. The cross-sectional standard deviation of annual returns within the S&P 500 Information Technology sector, as of April 15, 2026, dispersion hit 392.93, which sits 11.7 standard deviations above its long-term historical mean (data going back to 1973). For context: The chart draws horizontal lines all the way up to +6 SD. The current spike blows well past the +6 SD line.

If this isn't a perfect sign of the times I don't know what is. Failing, near bankrupt shoe company pivots on a dime to AI infrastructure development. What?! Talk about project Hail Mary. It remains to be seen whether this will end up being a legitimate AI business or if we're simply watching the death throes of a floundering footwear company. #allbirds

The market has reclaimed all time highs with the 5th fastest recovery from a greater than 9% drawdown within 3 months. Similar recoveries did not necessarily signal "all-clear" in the past, with two signals occurring right near market tops in 2000 and 2007.

@theficouple Not seeing anyone ask the most important question. Where are you in the amortization schedule??!! Because you might not have a 4.8% mortgage. You might have 132k left of mostly principal.

Let’s say you had $132,000 in the bank. But you also have a $132,000 mortgage at 4.8%. Would you invest the money in the stock market or pay off the house?

If this isn't a sign of the times, I don't know what is.

The Q2 2026 market outlook covers a lot of ground: Iran. Oil. The Fed. AI. And why humanity returning to the moon puts all of it in perspective. Check it out: indsquare.com/isq-intel/q2-2…

Everyone needs to catch up to Anthropic and until the scaling laws are disproved, until they run into a limit on how big a model can be and still produce superior results, they are going to keep spending. Since it appears that AI Capital Expenditure is currently the sole driving force behind economic growth, well, we should expect continued economic growth because of it. This is the story that matters for markets.

Human brains have trouble comprehending exponential growth curves. The frontier models are doubling in capabilities approximately every 7 months. The models today are 32x more powerful than they were in 2023 and if that scaling trend holds, they will be 32x more powerful in 2029. It's hard to overstate what that would mean for the world, in terms of both opportunities and of risk. One thing that was revealed with the new Mythos model is that the computing power needed to train and run it is significantly higher than with previous models. This fact, along with the very significant increase in capabilities, means only one thing. This chart below is going higher.

Anthropic is being rewarded by the market with a parabolic rise in their revenue run rate. You're used to seeing this kind of chart with SaaS (software as a service) companies when the numbers on the left end in an “M”, not so much when they end in a “B”.

Before limited-releasing Claude Mythos Preview, we investigated its internal mechanisms with interpretability techniques. We found it exhibited notably sophisticated (and often unspoken) strategic thinking and situational awareness, at times in service of unwanted actions. (1/14)

There's no such thing as a sure inheritance. I shared with @Kiplinger why banking on an inheritance as your retirement plan is a risky move. Check it out: kiplinger.com/retirement/we-…

no matter what’s going on in the world. this is very, very, very freaking awesome