scottlassley

@OleTimeHardball Yes.

You hold the deciding vote in the Hall of Fame case for Yadier Molina. Does he get in?

@AcdntlyRetired Life expectancy for 62 yr old male is 18-21 years. Half live longer than that. If you hate your job find another one

Most people retire at 62 and live to 78. That's 40 years of 9-5 for 16 years of freedom. I refused to accept that math. You should too!

@doresa0 @felixprehn Not on 90-day t-bills.

@felixprehn Chase skims pennies while handing your wallet to private equity then acts shocked when elders pocket 5.2 percent on 800k.

Chase pays you 0.3% on your savings. Then loans your same cash to private equity at 12%. The 65 year olds who figured out the workaround are earning 5.2% on $800K right now… Most people have no idea what's happening with cash in 2026. Chase pays 0.3%. Bank of america 0.4%. Wells fargo 0.5%. 3 month US treasuries pay 5.2%. Same dollar. Lower default risk than your bank deposit. The bank borrows from you at 0.4%, lends that money to apollo and blackstone at 12%, and keeps the 11.6% spread. Fuck CDs. Fuck high-yield savings. Fuck cash sweep funds. The fastest way to print 5-figure passive income on idle cash in 2026 is the 4-rung treasury ladder. 99% of investors won't run it because their bank trained them to think savings = bank. I run 6 ladders across 6 account types. They print $7,200 a month combined while i sleep. Total time: 35 minutes a month. Total cost: $0. Move 1. Open vanguard, fidelity, or schwab. 12 minutes. Don't use chase or bank of america brokerage arms. Their cash sweep skim is 60-80 bps. Move 2. Build the 4-rung ladder. $200K example: $50K in 4-week, $50K in 13-week, $50K in 26-week, $50K in 52-week. Every 13 weeks one rung matures. You roll into a fresh 52-week. Move 3. Set auto-roll on every rung. Vanguard: "auto-reinvest at maturity." Fidelity: "auto-roll." Schwab: "rollover instructions." One checkbox per rung. Stop logging in. Move 4. Configure the tax-equivalent yield. Treasuries are exempt from state and local tax. In california at 13.3% state, the 5.2% federal is equivalent to 6.0% taxable. In new york at 10.9%, equivalent is 5.83%. Your CD pays 4.5% taxable. The real spread is bigger than the headline. Move 5. Set the curve-inversion alert. When the 1 year yield drops below the 6 month yield, the fed is signaling a cut. Redeploy 50% of the long rung into IEF or IEI to lock the rate before it drops. Move 6. Block 30 minutes a month for review. That's the entire job. The asymmetry nobody talks about. HYSA path on $1.2M = $48K a year. Advisor path on $1.2M (1% AUM, 4.4% sweep) = $40,800 a year net. Treasury ladder on $1.2M = $62,400 a year. The 4-rung beats your advisor by $21,600 a year while requiring 1/40th of his time. i run 6 of these for myself across 6 account types. They print while i sleep. They don't have feelings. They don't panic. They don't watch cnbc. The fed cuts rates in q3. Yields drop. Window closes by september. I'll probably regret posting this. Chase will adjust their savings rate within 30 days. Somehow they always do. (your bank borrowed your money at 0.3 percent. lent it to private equity at 12 percent. used the spread to pay the ceo a $40 million bonus. then mailed you a $2.40 statement credit and called it a relationship benefit. your relationship was the product. nobody told you. they're still doing it.) This is my once in a lifetime FREE webinar. I'm a former banker walking through the exact 4-rung ladder live. Plus the tax-equivalent yield calculator and the curve-inversion trigger sheet. Things I can't post here for compliance reasons. Limited spots. Link in comments: felixfriends.org/live

@felixprehn 90-day t-bill is 3.6%

@Hania16836 Tell him not to worry. We won't be eating out here again. $5 more would have been 20%. Tipping sure gets people riled up.

Kaleb and I went out for dinner last night and I left a $20 tip on a $125 bill. The waiter didn't take it well and told us we shouldn't be going out to eat if we can't afford to tip at least 50. Now we're wondering if $20 isn't really enough.

@SteveOnSpeed Doesn't matter if you consider yourself wealthy. Only matters if you can consider yourself happy.

How much net worth do you need to consider yourself wealthy?

@BarbellFi Impossible to put $300 k into ss

Start collecting Social Security at 62 My friend’s Dad delayed until 70 He wanted the maximum benefit Dropped dead on his 70th birthday Heart attack Paid $300k into it during his career And never saw a dime back of it 😬

@FoxNews @TheOxyCon Better question is why do we have forces in Germany after 81 years.

REPORTER: "Why is the US removing troops from Germany?" PRESIDENT TRUMP: "We're going to cut way down, and we're cutting a lot further than 5,000."

@FunFootballPod Pat Mahomes in 2019.

Donovan McNabb is NOT available. Who is the best QB in NFL history without a Super Bowl ring???

@champagnennuts Not genius

BRILLIANT strategy I say…The Lakers NOT finishing this Houston series too quickly to make OKC wait and wait and wait…and get Rusty for Game 1…Huh? Genius…or WAT?

@cryptofergani A 60% yield pretty good. Impossible but pretty good

Rich is when you take 200k cash and buy a Lambo. Wealthy is when you take 200k cash and buy an asset that pays you 10k/month. Then you finance the Lambo at 0% interest, and still pocket 6600/month. After 5 years, you own the Lambo and the income never stops. Rich is flex. Wealth is freedom.

@CodifyBaseball Clear that starting pitchers salaries need to be reduced.

How Often MLB Starters Pitched 7+ Innings: 1988: 48% 1989: 44% 1990: 41% 1991: 42% 1992: 44% 1993: 41% 1994: 41% 1995: 37% 1996: 37% 1997: 38% 1998: 38% 1999: 34% 2000: 36% 2001: 34% 2002: 35% 2003: 33% 2004: 32% 2005: 35% 2006: 31% 2007: 29% 2008: 29% 2009: 29% 2010: 34% 2011: 34% 2012: 30% 2013: 31% 2014: 31% 2015: 29% 2016: 23% 2017: 19% 2018: 18% 2019: 16% 2020: 11% 2021: 13% 2022: 14% 2023: 12% 2024: 13% 2025: 11% 2026: 9%

@LonestarMoney @KurtSupeCPA And why wait to 75? Have some fun and spend it or give it away.

@KurtSupeCPA I get the issue with IRMA but what difference does an extra $5000-7000 a year make if you are making $328k a year?

ME: The IRS has a plan for your IRA. You are not going to like it. THEM: What do you mean? ME: At 75 they force you to take money out whether you need it or not. THEM: My accountant says it is too late and I should just keep taxes low. ME: Low taxes this year or low taxes over your lifetime? Those are not the same strategy. THEM: He has done my taxes for 25 years. ME: Does he model your RMDs? THEM: Not really. ME: You retired at 62 with $2 million in your IRA. At 7% growth you never touch it for 13 years. At 75 that account is worth $4.8 million. Your RMD that year is $196,000. Add $90,000 in Social Security and other income and you are over $328,000. You are in the 24% bracket pushing toward 32% and deep inside IRMAA Tier 2. Higher Medicare premiums every year with no way to fix it after the fact. THEM: Those thresholds adjust for inflation. ME: At 2% annually your IRA still grows four times faster. The brackets move slowly. Your account does not. THEM: My accountant never showed me this. ME: You just retired. This window opened today. Strategic Roth conversions right now change everything about what 75 looks like. THEM: How much time do we have. ME: That depends on how long you wait to start. This is not financial advice. Consult a qualified financial professional before making any financial decisions. The scenarios described are hypothetical and for illustrative purposes only.

@Invest_Brandon Life expectancy for a 67 yr old is 15-17 years (half live longer ) Most don't save a few million. Life is more complicated than that.

The retirement age is 67 The life expectancy age is 78 Work for 50 years to be "free" for 11? I still don't understand why people do this... Most People Should: Lock in for a few years. Make a few million. Then cruise. Making a few million is MUCH more realistic than you think. You can achieve whatever you want if you set your mind to it.

@SteveOnSpeed But don't make more than $2000/month or you'll pay back $1 for every $2 in benefits.

People say wait until 70 for max Social Security. Wrong. Claim at 62, invest it, and you'll have $220K+ in liquid capital by 70, while the "wait" crowd has collected $0.

@Tekeee No. Not that high. People have different greed levels.

Savings accounts are at 5.25% right now. $2M in there = about $225K/year. Why aren’t more people doing this?

@caliginousomber @ryanhallyall Hail storms hit without warning, other than a severe t-storm warning.

@ryanhallyall It really is amazing how severe weather is imminently coming and people decide a trip to Walmart is necessary because they don’t pay attention..

The only thing rolling back at this Springfield Walmart in Missouri was everyone’s resale value. Video sent in from Haley.

@RenovatioD3SIGN @ryanhallyall This one hit Target too. You just don't have a video.

@ryanhallyall Could’ve avoided this if they shopped at Target. Target is for winners. Walmart is for hail damage. Remember this when you vote in the next election. Otherwise we might find ourselves in world war 12.

@fishstark If you had to afford them, you'd never have kids.

To be clear: I’m getting married this year & am deeply, fanatically excited to be a dad! But we & many other couples my age (30) are having the heartbreaking convo “can we afford as many kids as we hoped” “they just want to play phone games” is deeply unempathetic & pedantic

All right @BenSasse, let's make a bet. Let's divide the US in half. I'll let you pick which half. In your half, you ban Candy Crush. In my half we institute 16 weeks of paid parental leave, universal childcare, & a restored child tax credit. Let's see which has more babies.

@anishmoonka Sounds like money burning.

Thank you for reading my article ❤️ If it held your attention, a follow @anishmoonka keeps more coming. ————— Sources: The Information report on Apple TV+ losses (Variety) — variety.com/2025/digital/n… Ted Lasso S4 release date Aug 5, 2026 (Apple press release) — apple.com/tv-pr/news/202… Sudeikis $1M/episode and cast salary jumps (Hollywood Reporter) — hollywoodreporter.com/tv/tv-news/ted… Apple Q1 FY2026 earnings ($143.8B revenue, $42.1B profit) — finance.yahoo.com/news/apple-inc… Ted Lasso 2013 NBC Sports origin (Variety) — variety.com/2021/tv/news/t…

Jason Sudeikis made around $300,000 per episode in season 1 of Ted Lasso. By season 3, Apple had bumped him to about $1 million per episode. Tim Cook just announced season 4 lands August 5, after a three-year break that looked like the end. The rest of the cast got similar raises. Hannah Waddingham, Brett Goldstein, Juno Temple, and Brendan Hunt all moved from the $50,000 to $75,000 per episode range to the $125,000 to $150,000 range. When production costs kept rising, Apple agreed to absorb them so Warner Bros. would keep producing the show. Most streaming companies wouldn't have signed that deal. Apple did. The reason has very little to do with making good TV. Apple TV+ has roughly 45 million paying subscribers. Netflix has 325 million, more than seven times as many. Apple captures less than 1% of all US streaming time, while Netflix takes 8.2%. Apple TV+ has been losing over a billion dollars a year, according to a March 2025 report from The Information. None of that is going to change Apple's plans. In the three months ending December 2025, Apple made $143.8 billion in revenue and $42 billion in profit. That works out to more than $400 million in profit every single day. The whole annual Apple TV+ loss is less than three days of Apple's profit. To Apple, the streaming service barely registers. Ted Lasso is the show that made people sign up for Apple TV+ in the first place. When it launched in August 2020, Apple TV+ was less than a year old and barely on the cultural radar. Ted Lasso won 13 Emmys, including Outstanding Comedy in its first two seasons. Suddenly Apple TV+ was the home of a show people couldn't stop talking about. That kind of cultural moment is worth more to Apple than any money the streaming service loses. Ted Lasso fans buy more Apple products. They stay subscribed longer. They tell their friends, who sign up too. Each new fan becomes another monthly check to Apple, and another reason to keep their iPhone instead of switching. The character started as a 5-minute NBC Sports commercial in 2013, where Sudeikis played a clueless American football coach trying to manage a Premier League team. Thirteen years later, that same character has become one of the most expensive ways Apple has ever found to sell iPhones. On August 5, the most expensive iPhone ad ever made premieres as a TV show.