Jeff Pwalyev

@CashflowAcct Multiple em dashes, “that’s not x, that’s y” sybau

VOO and chill" sounds smart… until you realize it’s financial mediocrity sold as genius. You proudly stack the S&P 500 for decades, patting yourself on the back like you cracked the code of wealth. Then retirement hits and the illusion shatters. You flip from accumulation to liquidation mode — selling 4% of your portfolio every single year just to cover bills and survive. Healthcare costs spike. Inflation quietly steals purchasing power. You live into your 90s. Suddenly decades of compounding get devoured. Your kids don’t inherit the Wonka Factory. They get the empty wrappers. That’s not generational wealth. That’s negative sum liquidation disguised as a smart strategy. Most families end up leaving scraps — or nothing at all. The average “smart” indexer isn’t building legacy. They’re running a self-destructing portfolio that dies with them. Real wealth requires a different approach: build a true cash flow plan for retirement. Create cashflowing assets that keep paying long after you’re gone. Stop pretending VOO and chilling with the 4% rule is sophisticated. VOO and chill if you want a quiet, comfortable retirement for yourself. But if you’re serious about generational wealth, stop choosing to liquidate the future. Have a plan to turn years of compounding into sustainable cashflow. Build something your bloodline actually inherits.

@Kushagrat15 @bearlyai India

78 products called 'Copilot' across 7 categories isn't naming confusion — it's a distribution hack. Microsoft's enterprise playbook: embed AI into every SKU, bill it as a 'feature upgrade,' and let IT procurement bundle it into existing contracts. Result: ~60% of Fortune 500 companies are now paying for at least one Copilot product, most through license renewals they barely noticed. At $30/user/month across 400M Office 365 seats, even 15% Copilot attach rate = $21.6B ARR. The 'Copilot inside Copilots' absurdity isn't a branding failure — it's the same playbook that made Internet Explorer 95% market share. Satella just replaced 'bundled with Windows' with 'bundled with everything.'

Tey Bannerman counted up all the products and tools that Microsoft has named “Copilot”. Found 78 of them: “there are now Copilots inside Copilots, Copilots for other Copilots, and a physical Copilot key on your keyboard for summoning them.”

@ToastyVegemite @EL808HK @CatholicSat Wrath too

Luis José Cardinal Rueda Aparicio, Archbishop of Bogatá, Colombia, washed the feet of transgender sex-workers on Holy Thursday.

@ToastyVegemite @EL808HK @CatholicSat Pride

@taysbrinaa @PopCrave @inmybedboutit @firstwefeast

@PopCrave @inmybedboutit @firstwefeast if it’s not them we don’t want it!

Hot Ones is teasing their “biggest” episode yet. Who do you think it is?

@OldButStillYou1 @Brand You retweet anti vax and right wing propaganda, the reason people make fake accounts is because your psychetype (old ass boomers with shit for brains) are the easiest to swindle.

The world has gone utterly and completely mad. I'm glad I was born in 1950, because I got to grow up in a society that was grounded in truth to some extent. Children and teens and young adults today don't have much of a chance at any semblance of a "normal" life as somebody my age would define "normal."

BREAKING 🚨: This is extremely illegal. This is Matthew Gallagher, who created 800+ Facebook accounts posing as fake doctors to advertise on Facebook, and went on to build a GLP-1 telehealth company with just $20,000, AI, and only one full-time teammate, his brother. The New York Times fabricated their AI startup story. It generated 401M USD in 2025 and could reach 1.8B USD in 2026. Medvi received FDA Warning Letter #721455 in February 2026 for misbranding violations. Its clinician network, OpenLoop, suffered a data breach in January 2026 that exposed 1.6 million patient records. Futurism reported that they used AI-generated deepfake before-and-after photos in their marketing. A class action lawsuit was filed in Delaware in November 2025. They are also running 800+ fake doctor accounts on Facebook to sell compounded GLP-1s.

@tizzycute01 @allenanalysis Nigeria

@allenanalysis He gotta be fine... he's got a lot of his mess to clean up.

The White House issued a lid at 11 AM today. Trump will make no public appearances. No Mar-a-Lago. No golf. No press. Rumors spread that he was at Walter Reed. Freelance journalist Andrew Leyden drove there at 1:50 PM and posted photos. No Marine One. No motorcade. Roads open. Trump is not at Walter Reed. So where is he?

@the_null_signal @allenanalysis Nigeria

@CameronVos5 @KyleYounkin2 @hutchinson I’ve read this 3 times and still don’t know what it means, you fucking burger

@KyleYounkin2 @hutchinson Then why aren't the Democrats more popular with their authoritarian stance on thinking the exact same way as everyone in the party or you are a Nazi?

Seriously what the fuck happened with Gen X why are they so Trumpy??

@miaaowing I’ve been using the M1 air for years, still haven’t learned how, read the whole thread, even more confused as to how to actually do it

how the fuck do you mac nerds live without a dedicated delete key im losing my mind here

@MenthorQpro @patientinvestor Did all mid tier fintwit accounts get the same memo to post this chart at the same time

Howard Marks: "When you buy the S&P 500 at a 23x P/E, your 10-yr annualized return has always fallen between +2% and –2%, IN EVERY CASE, EVERY CASE!" HT @patientinvestor

@NUFCKai @HaraldNordgren @TTomTToro Savings are dogshit, investing long term pays 6-7% after inflation. You’re an idiot

@HaraldNordgren @TTomTToro One exception doesn't change the rule. I have this example and countless others to show how past generations have it wayyyy easier than our current when it comes to homes jobs and savings

@highonlifedeal2 @BrettSlagh @TTomTToro Ok this is likely a plot of the S&P500 which rotates successful companies in and out

@BrettSlagh @TTomTToro if you believe it's that simple i got some 99's xerox stock to sell you

@TinaAzureM @BrettSlagh @TTomTToro You can’t sell your ETFs/stocks? lol what

@BrettSlagh @TTomTToro if you can't sell it you don't own it.

@ilylumii She looks fucked up @ilylumii @ilylumii @ilylumii

Selena Gomez looks stunning for the “In The Dark” music video.

@CynthiaAwuzie_ @chesscom surprise, surprise, Nigeria

@chesscom Hikaru Nakamura really sat there for over an hour like “this move decides my entire life” 😭 That’s not a move, that’s a full existential crisis over the board ♟️

67 minutes, 44 seconds. Hikaru's 13th move today was the second-longest move in Candidates history after Grischuk's 72 minute think in 2021. ⏰

@TheBigBroTea MAGA = pedo supporters

The MAGA alliance took 2 hits last night. Big day for the nerd alliance #survivor50

@chadwag87516097 @TheBigBroTea I think voting for a pedophile is pretty uncool

@TheBigBroTea Only dumb people care who anyone else voted for. I don’t even care at all who you think they voted for

@dailytupperware @SarahSmilezz25 @TheBigBroTea Correct. I think the obvious tell was when he mockingly pantomimed a reporters disability. Very Christ-like to support him after that right?

@SarahSmilezz25 @TheBigBroTea Uh oh guess you can’t root for them automatically if they’re MAGA huh?

@jones206 @lemire Real “two outlooks and neither is working” energy

@lemire Turn on "edit with copilot" which let's it just do the edits directly in the file. It's the default experience for a lot of people already and will soon be the default for everyone.

I am in Microsoft Word. I press Copilot. I ask for a table. The AI can't modify the Word document so it creates a new document in the cloud. It then allows me access the document through a link. Presumably I am supposed to go there, copy the table and put it in my Word document myself. Who designed this ? This is so obviously a low-effort implementation that I am baffled. It is almost as if they wanted to fail. Why can't Microsoft see that having direct access to Microsoft Word is an incredible edge that they could leverage to embed the AI directly? It is almost comical.