Cem Eyi 🌱

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Cem Eyi 🌱

Cem Eyi 🌱

@jimcem

Co-founder KidStart & Beanstalk app. Dragging children’s savings kicking and screaming into the 21st century.

London เข้าร่วม Haziran 2009
2K กำลังติดตาม307 ผู้ติดตาม
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Cem Eyi 🌱
Cem Eyi 🌱@jimcem·
Student debt Plan 2 is all over the news. Sounds… horrific. There is another option: Plan P - plan ahead. A little invested early. No debt later.
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Scott Adams
Scott Adams@ScottAdamsSays·
@adamscrabble You want a model of the sort no one should trust? I'm in favor of directionally-okay models that are imperfect, but no one is smart enough to model THIS situation. Too many unknowns, too many variables.
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Adam Townsend
Adam Townsend@adamscrabble·
🚨3 trillion dollar bailout later and our civil rights and privileges were smashed. The debt has to be paid and our rights ain't coming. FOR NOTHING
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Mario Nawfal
Mario Nawfal@MarioNawfal·
🇺🇸 The Economist tried to catch Tucker out with a gotcha moment...bad move. Outclassed and outmaneuvered. Source: The Economist
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Cem Eyi 🌱
Cem Eyi 🌱@jimcem·
🏆 We're incredibly proud to share that @TheBeanstalkApp has been named Best Junior ISA at the Good Money Guide Awards 2026. When we started Beanstalk, the goal was simple: make it easier for UK families to invest for their children's futures - without the jargon, confusion, or friction. This award means a lot because it reflects the trust thousands of parents place in us every day. To every family saving with Beanstalk, thank you. 💚
Cem Eyi 🌱 tweet media
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Cem Eyi 🌱
Cem Eyi 🌱@jimcem·
@mindofprospect Thats like a loan shark writing off your debt after breaking your knee caps
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TheBeanstalkApp
TheBeanstalkApp@TheBeanstalkApp·
Automate monthly savings now,thank yourself in December. From Regular Contributions to Round Ups, there's a number of tools that you + your family can use to automate your savings on Beanstalk. ​📲Get started with Beanstalk today: bit.ly/4iKByPG ​ Capital at risk
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Rory Sutherland
Rory Sutherland@rorysutherland·
I'm glad to read a counterpoint. I also think that it wasn't wheat which domesticated us, it was dogs. Or rather we domesticated each other. Much earlier than wheat. I don't own a dog. But I am kind of conscious of the fact that you are not completely human without one.
Anders K.@Falliblemusings

I used to think Sapiens was a great book. Sweeping, provocative, the kind of book that makes you feel like you finally understand the big picture of human history. It's on every CEO's bookshelf, assigned in universities, praised as a masterwork of synthesis. Yuval Noah Harari is treated as one of the serious thinkers of our time. But something nagged at me. Some passages felt off. Claims that human rights are just figments of our collective imagination, not real things, just stories we tell ourselves. That nations, laws, money, justice, doesn't exist outside our heads. That meaning itself is a delusion we've invented to cope. That we're far more powerful than ever before but not happier. That hunter-gatherers had it better because they had no dishes to wash, no carpets to vacuum, no nappies to change, no bills to pay. That sounded depressing to me, but was perhaps just the realistic scientific worldview? What it meant to see the world clearly, without comforting illusions. Then I read The Beginning of Infinity by @DavidDeutschOxf. Deutsch has a concept he calls 'bad philosophy.' Not philosophy that's merely false, but philosophy that actively prevents the growth of knowledge. Ideas that close doors rather than open them. That makes problems seem unsolvable by design. After soaking in Deutsch's framework (it's dense, a bit like digesting a delicious whale), it becomes clear: Harari's books are riddled with bad philosophy. They're smuggling nihilism in under the guise of scientific objectivity. Some examples: On meaning: "Human life has absolutely no meaning. Humans are the outcome of blind evolutionary processes that operate without goal or purpose... any meaning that people inscribe to their lives is just a delusion." On human rights: "There are no gods in the universe, no nations, no money, no human rights, no laws, and no justice outside the common imagination of human beings." On free will: "Humans are now hackable animals. The idea that humans have this soul or spirit and they have free will, that's over." On progress: "We thought we were saving time; instead we revved up the treadmill of life to ten times its former speed." The Agricultural Revolution? "History's biggest fraud." We didn't domesticate wheat, "it domesticated us." On our cosmic significance: "If planet Earth were to blow up tomorrow morning, the universe would probably keep going about its business as usual. Human subjectivity would not be missed." On the future: "Those who fail in the struggle against irrelevance would constitute a new 'useless class.'" Homo sapiens will likely "disappear in a century or two." This is bad philosophy. It tells us our problems are cosmically insignificant, our solutions are illusions, and that progress is neither desirable nor within our control. It's also perfect nonsense. No one would ever go back to being hunter-gatherers. Would you rather worry about your kid spending too much time on Roblox, or face the 50% chance she won't reach puberty? And our so-called "fictions"? They ended slavery. They gave women equal rights. They solved hunger. They eradicated smallpox. They turned sand into computer chips. They got us to the moon, and hopefully soon, to Mars and beyond. These "fictions" are already reshaping the universe, and over time they may become the most potent force in it. Now compare Deutsch: "Humans, people and knowledge are not only objectively significant: they are by far the most significant phenomena in nature." "Feeling insignificant because the universe is large has exactly the same logic as feeling inadequate for not being a cow." "Problems are soluble, and each particular evil is a problem that can be solved." "We are only just scratching the surface, and shall never be doing anything else. If unlimited progress really is going to happen, not only are we now at almost the very beginning of it, we always shall be." Where Harari sees a species of deluded apes stumbling toward obsolescence, Deutsch sees universal explainers, the only entities we know of capable of creating explanatory knowledge, solving problems, and potentially seeding the universe with intelligence. The difference isn't academic. Ideas shape action. If you believe life is meaningless, progress is a trap, and humans are hackable animals with no free will, how does that affect what you build? What you fight for? What you teach your children? Harari's books sell because they flatter a fashionable pessimism. They let readers feel sophisticated for seeing through the "delusions" everyone else lives by. That smug cynicism is corrosive. And it's everywhere: in schools, in media, in bestselling books. More than half of young adults now say they feel little to no purpose or meaning in life. This is what happens when you teach an entire generation bad philosophy. Less progress, less health, less wealth. Less flourishing. And ultimately, a higher chance that civilization and consciousness go extinct. Fortunately, there's another equally well-written, but much truer, account of homo sapiens, appropriately titled 'The Beginning of Infinity'. And this one smuggles no despair in by the backdoor. But let's give Harari credit where it's due. He is right about one thing: if planet Earth blew up tomorrow, we wouldn't be missed. Because there'd be no one left to miss us, just a careless universe, blindly obeying physical laws. We are the only ones who can miss, but we're not going to. We're going to aim, hit, and keep going. Full credit for the amazing meme to @Ben__Jeff

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Joshua Lisec, The Ghostwriter
Joshua Lisec, The Ghostwriter@JoshuaLisec·
"When you experience the death of a loved one, your instincts push you into feeling tragedy, loss, and pain. Once you have had enough of that ... start tossing these five words around ... Gratitude. Respect. Honor. Privilege. Service." ~ Scott Adams, 'Reframe Your Brain'
Joshua Lisec, The Ghostwriter@JoshuaLisec

'Reframe Your Brain' is the #1 overall Amazon bestseller. Of all books. On the entire website. Wow.

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Cem Eyi 🌱
Cem Eyi 🌱@jimcem·
So… you're not investing for your child's future...🥺 @ScottAdamsSays wanted us to be useful. His reframes helped me a lot so I'll try reframing the most common objections I hear. Old frame: "It too complicated." New frame: So is fitting a car seat, you still figured that out. Old frame: “I don’t have spare money.” New frame: Your parcel tracker might disagree. Putting a little aside now is usually easier than finding a large lump sum later. Old frame: "It’s just a small amount." New frame: Small amounts plus time become large amounts. Old frame: "I can't risk my child's money." New frame: Avoiding growth is also a risk. It sneaks up, years from now. Old frame: "They'll waste it anyway." New frame: I will use this as a lifelong teaching opportunity. cc'ing the Internet Dads who already know this stuff (and you should be following) @adamscrabble @Cernovich @JoshuaLisec
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Cem Eyi 🌱
Cem Eyi 🌱@jimcem·
"I can’t risk my child’s money!" Won’t somebody please think of the… potential growth left on the table.
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Cem Eyi 🌱
Cem Eyi 🌱@jimcem·
"I'd invest for my kids… but I have no spare money." Yeah? Show me your Temu purchases, love.
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Cem Eyi 🌱
Cem Eyi 🌱@jimcem·
"You're investing for your child's future?" "Sounds complicated." Honestly? So does assembling a trampoline. Parents figure that out.
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Cem Eyi 🌱
Cem Eyi 🌱@jimcem·
Hot take: Plan 2 student debt isn’t broken. It’s a population-level nudge to scare the next wave of parents into planning ahead. If so… it’s working 😏
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Cem Eyi 🌱
Cem Eyi 🌱@jimcem·
@JoshuaLisec A good whiteboard one to do would be re-capping how to parse news/events eg too on the nose, mind-reading, know the players know the story etc.
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Justin Mateen
Justin Mateen@justinmateen·
The power of compounding is widely understood. What’s underappreciated is when the value is actually created. Compounding is continuous, but when you look at it in decade blocks, the pattern becomes obvious. Even moderate differences in the annual compounding rate are severely amplified over time. For instance, starting with $1: At 15% annual compounding 10 years: $4.05 20 years: $16.37 30 years: $66.21 Last decade: 75.3% of the total value At 20% annual compounding 10 years: $6.19 20 years: $38.34 30 years: $237.38 Last decade: 83.8% of the total value At 25% annual compounding 10 years: $9.31 20 years: $86.74 30 years: $807.79 Last decade: 89.3% of the total value At 30% annual compounding 30 years: $2,618 Last decade: 92.8% of the total value A 2× difference in the rate (15% vs 30%) becomes nearly a 40× difference in outcomes over 30 years. Compounding doesn’t add. It multiplies the entire base. The first decade is impressive. The second decade is extraordinary. The last decade is unfathomable. That’s when fortunes are made. That’s why the ceiling matters. If the market size caps you early, compounding dies early. You need a category large enough to let it run for decades. Once you see compounding this way, it permanently changes how you choose markets. Health insurance, for instance, is roughly a $1.7T TAM in the U.S. alone. It may not be the sexiest space, but that’s one of the reasons I’m so excited about Curative Health long term. What business today has a ceiling high enough to compound until 2056?
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Cashflow King
Cashflow King@cashflow_king94·
Most UK investors are using the wrong accounts. Cash ISA gives you 4% return minus 3% inflation which equals 1% real return. S&S ISA gives you 10% return minus 3% inflation which equals 7% real return. This is a very conservative Inflation rate... Over 30 years putting £20k per year in Cash ISA gets you £1.1M but S&S ISA gets you £3.3M. Stop losing £2.2 million to fear.
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