Carlos Gabriel

@AdamBLiv Not sure if the$10k is the combination of $5k employee and$5k match. If so then you don't have $10k in second scenario you have only $5k - 20% =$4k. The math is still in favor of pulling out but it's $25 million.

The amount of hate I'm getting on my 401k vs Bitcoin post yesterday is hilarious. Interestingly enough, nobody is actually debating the math. FUN FACT: The "FREE MATCH" that you get, is NOT FREE, because you literally have to sacrifice capital to GET IT. Therefore, it's NOT FREE. Get it? There is an OPPORTUNITY COST in the capital that you sacrifice to get this "FREE MONEY". Also, less than 40% of retirement 401k plans offer self-directed options. If you can buy Bitcoin, MSTR, or IBIT in your 401k, congratulations. This doesn't apply to you. The “Free Match” Illusion: When someone says “you’re giving up free money” by not contributing to your 401(k), they assume: You’re comparing equal nominal dollars, not future purchasing power. You’re staying in a fiat system that compounds slower than monetary debasement. The match compounds at the same rate as your opportunity cost capital, which it doesn’t. In reality: That “free” 4-6% match is locked into the lowest-yield system in human history, trapped in an S&P fund that just barely outpaces M2 debasement, locked away until you reach retirement. Meanwhile, Bitcoin’s long-term CAGR (~25-50%) compounds on your full contribution, not just the match portion. Over 10 years, this differential isn’t linear... it’s exponential divergence. 📉 The Asymmetry in Numbers Let’s make this simple: Scenario: 401(k) + 100% Match in S&P (12% CAGR) Annual Return: 12% 30-Year Result on $10k/year: ~$2,790,000 You double your contribution but are capped by modest compounding over decades. Scenario: Bitcoin (25% CAGR) Annual Return: 25% 30-Year Result on $10k/year: ~$64,300,000 No match, but exponential outperformance driven by compounding asymmetry. So the “free match” is linear and capped, while Bitcoin’s compounding is geometric and uncapped. You’re trading exponential exposure for a linear handout. 🧠 Why People Don’t Get It They think in static nominal deltas, not dynamic compounding trajectories. They can’t see that: The opportunity cost of fiat exposure outweighs the nominal benefit of the match. Bitcoin isn’t just a higher-yield asset, it’s a different monetary epoch with a separate growth curve. They’re measuring with rulers in a world that’s curved. By the way, for those of you who just LOVE the TAX REASONS, just buy Bitcoin and never sell it. Collateralize. Buy, borrow, and die like a true hero.

@soaboutthatstat @PeteThamel If he accepts another job then whatever the other team pays him gets deducted from what hes owed. Thats usual language in most coaches contracts.

@PeteThamel Is there any language in his deal that would prohibit him from taking another HC job?

Per his contract, Penn State owes James Franklin more than $49 million.

@LilButteryCup @investanswers Don't use hurry mode. You can start with chill (gentle conservative driving with longer following distances, and no fast lane changes. ) Then try standard mode to see if you prefer once you're use to chill.

@investanswers James, pulled the trigger on our 1st Tesla (MY) couple weeks ago. Love it. Testing FSD. It's a little tough for us giving up control. We find it a little aggressive and tend to disengage (a trust issue). Suggestions on the settings? Thanks!

Why everyone should drive a Tesla! This isn’t about promoting Tesla. But about preventing living in perpetual guilt for killing someone. If technology can spare one life—and your soul—it’s no longer optional. It’s a moral imperative. PS Tell Dan O Dowd to FK himself Thanks @elonmusk

@Dr_Moonshow Consider uranium, energy, land & farms as inflation hedges..

🚨 Macro Thread: Bonds are crashing, inflation is sticky, and the Fed is boxed in. 1 📉 Treasury Bonds: Worst Decade Ever? •Long-term bonds down –8.3% real this decade •Even worse than the 1970s •The 60/40 portfolio is getting wrecked ⸻ 2 🏦 The Fed’s Dilemma •Inflation falling but core remains sticky •Tariffs, labor, and housing keeping pressure high •Powell cautious: no rush to cut •Market hopes ≠ Fed plans ⸻ 3 📊 Real Yields Still Elevated •Term premium rising = bad for long-duration bonds •Risk assets struggle when real yields spike •We’re likely near the top of the yield cycle ⸻ 4 🪙 What This Means for Bitcoin & Crypto •2022–2024 = liquidity drain = pain •Now entering the “Fed pause” → rotation window •BTC and ETH historically rip post-yield peak •Altcoin season next? Rotation already starting ⸻ 5 📈 Equities Holding Up (For Now) •Big tech + AI = strong narrative •Institutional cash at 12-year lows (🟥 caution) •If yields roll over, risk assets may explode upward •But sentiment feels hot ⸻ 6 🛡️ How to Position ✅ Short-duration bonds (TIPS, cash) ✅ Bitcoin on dips ✅ High-quality growth or cyclical equities ✅ Gold as hedge ⚠️ Avoid long bonds until clear Fed pivot ⸻ 7 🧠 Key Triggers to Watch 1.Fed commentary (Jackson Hole Aug?) 2.Real yields flattening or falling 3.Inflation surprises 4.Dollar weakness 5.Rotation flows into altcoins ⸻ 8 📊 We are exiting the bond bloodbath and entering the risk window. Now’s the time to sharpen entries, rotate, and prep for the next wave.

Good piece by @nytrosenthal on the hype over hospital ratings. Take them with a grain of salt. nytimes.com/2013/07/28/sun…

These 10 abs exercises are BETTER than crunches! ow.ly/nornY