Pinned Tweet
True wealth:
1.Mission that motivates you
2.Good quality of sleep
3.Unlimited time spent at the gym
4.Good relationships with family & friends
In general, follow good energy.
Billy Jo retweeted
As a general rule, most "regrets" after one is caught's aren't regrets about having committed the action, but regrets about having been caught.
Apologies count only when they are spontaneous, coming out of deep principles. Otherwise they are just an expression of submission.
In one week, Saylor accumulated more BTC than you and I would ever combine. And you’re still bearish on MSTR? My friend, wake up
Strategy has acquired 1,036 $BTC and repurchased $188M of $STRC. As of 11/8/26, we hold 850,364 BTC and $4.9B of USD Assets. $MSTR strategy.com/press/strategy-…
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10억은 인생이 바뀌는 돈임.
서울 아파트 좋으나
현금성 자산 10억이 주는 편안함이 있음.
주거 안정성 못지 않은 삶의 여유를 주는 숫자. 물론 일은 계속해야하는데 하루가 각박하지는 않아짐
Most people keep using the same passwords and write them down somewhere in their notes. That said, self-custody is not an ideal solution for many.
Replying to @BTC_broo @tiffany_varty
That I disagree with. You’re overestimating how technical most people are. You’re in an echo chamber.
Most people can barely keep track of the mundane, you really think they’re gonna do the whole dice roll thing and whatever else is needed to self custody well?
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S&P500(달러기반) > 서울 아파트 (원화기반)
아파트는 갭 (레버리지)를 낄 수 있음 좋은 자산이 될 수 있으나
1가구 1주택으로 몰아가는 세재개편 및 부동산 활용한 금융을 막아가고 있는 상황.
앞으로 금융자산 선호가 높아지고 아파트는 buying 보다 living의 개념으로 바꾸어 나갈듯
S&P 500 returns since 2009:
2009: 🟢 +22.57%
2010: 🟢 +13.24%
2011: 🟢 +0.97%
2012: 🟢 +14.23%
2013: 🟢 +29.08%
2014: 🟢 +14.69%
2015: 🟢 +1.40%
2016: 🟢 +13.67%
2017: 🟢 +20.80%
2018: 🔴 -5.18%
2019: 🟢 +31.32%
2020: 🟢 +17.40%
2021: 🟢 +30.63%
2022: 🔴 -18.63%
2023: 🟢 +26.79%
2024: 🟢 +25.73%
2025: 🟢 +18.14%
2026: 🟢 +12.57%
Can we really expect this level of growth over the next 17 years?
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Billy Jo retweeted
After DOGE, Elon came to a conclusion most people missed.
He tried to reform the state from the inside. He failed. And he said it plainly: the government can't fix its own deficit. Nobody in power actually wants to cut. The machine protects itself.
So he drew the only logical conclusion. If the state can't be reformed, there are only two ways this ends.
Either global bankruptcy. Debt keeps compounding, interest payments eat the budget, and the system collapses under its own weight.
Or robots. AI and robotics grow the economy so fast that the debt becomes manageable, and abundance makes the old fights over scarcity irrelevant.
Here's the part almost nobody sees.
For two centuries, capitalism has had a marketing problem. Its gains are real but slow and invisible. 2% growth a year doesn't feel like anything. Your life gets better over 30 years and you never connect it to the system that did it. Meanwhile, the left's promises feel immediate and concrete: a check, a subsidy, a benefit. That's why the left wins on promises even when it can't deliver them. Capitalism produces the wealth, socialism takes the credit.
Robots break that asymmetry.
When productivity doubles in a few years instead of a few decades, people will see it. Things get cheaper, services get better, opportunities appear, in real time. For the first time in history, people will connect capitalism and their rising standard of living directly, almost instantly. The causal chain becomes visible.
And that changes everything politically.
So there are two scenarios.
Scenario one: we stay in the current inertia. No breakthrough, or a breakthrough we regulate to death. The debt wins. Living standards stagnate, then fall. A frustrated electorate turns to whoever promises the most, and that pushes toward a hard collectivist left. But collectivism fails, as it always does. And when it fails, the most organized, most disciplined collectivist force left standing isn't the old left. It's radical Islamism. Bankruptcy, then communism, then something worse.
Scenario two: robots win. Abundance arrives, and it arrives visibly. The link between free enterprise and prosperity becomes obvious to everyone. And this is the key point: it becomes obvious to everyone, including the minorities the left was counting on. Because their long-term incentive is the same as everyone else's. A kid in the suburbs gains infinitely more from a booming, abundant West than from a bankrupt state handing out promises it can't keep. Abundance is the most powerful integration machine ever built.
That's the Western renaissance.
The West doesn't need to win the culture war by arguing. It needs to win it by delivering. And for the first time, it has the technology to deliver fast enough for people to notice.
The race isn't left vs right anymore. It's robots vs bankruptcy.
은퇴 후 생활비는 배당보다 "월급처럼 조금씩 팔기"가 더 심플한 것 같다.
S&P500이든 비트코인이든 보유량의 연 4% 안팎을 한 달에 한 번 파는 방식이다.
세금과 건강보험료는 따져야 하지만, 배당 구조를 얹으면 오히려 더 복잡해지고 꼬인다.
심플한 게 결국 오래 간다.
30대 파이어족이 대한민국을 탈출한 진짜 이유
33세의 나이에 주식 배당 소득과 유튜브 채널 운영을 병행하며 파이어를 선언한 크리에이터가 태국 치앙마이와 조지아 등 해외 거주를 선택한 이유와 자산 방어 전략
핵심 논점과 파이어 포트폴리오 운용 구조는 다음과 같음:
1. 30대 파이어의 자산 축적 및 배당 파이프라인
초기 시드 형성: 유튜브 채널 성장 기획(기획, 촬영, 편집 총괄 PD) 사업을 운영하며 월 1,000만원 이상의 사업 소득을 창출해 종잣돈을 빠르게 확보
배당 현금흐름: 주식 배당 투자를 통해 당해 연도 배당금 6,350만원 수령(연간 약 7,000만원 예상)
절세 배당 구조: 국내 주식형 커버드콜 ETF 중심의 비과세 배당을 활용해 금융소득종합과세 및 건강보험료 산입 기준을 구조적으로 방어
2. 해외 체류(치앙마이·조지아)를 선택한 제도적 배경
준조세(건강보험료) 부담 회피
사업 소득과 금융 배당 소득으로 인해 국내 체류 시 월 100만원 이상의 지역가입자 건강보험료가 부과되는 상황
3개월 이상 해외 체류 시 국민건강보험법상 급여 정지(납부 유예/면제)가 가능한 제도를 활용해 월 100만원 이상의 고정 지출을 절감
지리적 차익거래
건강보험료 절감분만으로도 동남아(치앙마이)의 월세와 한끼 3,000~4,000원대 식비 등 전체 현지 생활비가 충당되는 구조 형성
세법상 비거주자 지위 활용
국내 세법상 183일 이상 해외 거주 요건을 충족해 비거주자로 전환할 경우, 미국 주식 양도소득세 면제 및 현지 세제 혜택(조지아의 소상공인 1% 소득세 또는 말레이시아의 상속·증여세 면제 등)을 활용하려는 자산가들의 글로벌 이동 트렌드 제시
3. '활동형 파이어'로서의 일상과 콘텐츠 운영
조기 은퇴 후 무위도식하는 것이 아니라, 코워킹 스페이스를 기반으로 증시 라이브 방송, 책 집필, 영상 편집 등 주도적인 디지털 창작 활동을 유지
시간과 장소에 구애받지 않고 글로벌 어디서든 노트북 하나로 비즈니스와 투자를 지속할 수 있는 디지털 노마드형 1인 기업 체제 구축
앞서 살펴본 싱글파이어의 '무주택 월세 파이어'나 서대리TV의 '건보료·세금 리스크'와 결을 같이하면서도, 국내 제도적 규제(배당세, 건보료, 연금 개편)를 국내 안에서만 풀지 않고 '해외 체류를 통한 건보료 정지 및 글로벌 지리적 차익거래'라는 또 다른 축으로 회피하는 30대 파이어족의 실전 전략을 보여줌
출처 : 유튜브 윤석종
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Bitcoin is supposed to be boring because it’s money in itself. It’s the same thing as saying “dollars are boring”
So I slept on it. Woke up with the realization that Bitcoin is just not interesting to me. It used to be kind of interesting 5 years ago. Now it's just mostly boring. The things going on with AI is infinitely more interesting than Bitcoin.
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It all comes down to money. When the bills come, people reveal who they really are.
What you see happening in France is essentially what will happen throughout the whole of Western and Southern Europe at some point
Europe regulated away all new and existing businesses so they with the money and the talent moved elsewhere (like US and Asia)
When money flees a continent, the businesses, then the people and the government run out of money
Meanwhile cost of living keeps growing → people get poorer and → people need more government welfare → meaning the government has to borrow more money to pay for that → borrowing for worse and worse rates → which pushes down the Euro → meaning less spending power for its people → making Europeans even poorer
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Exhanges get hacked.
Cold wallets get drained.
Where are we supposed to store BTC?
$BTC:
Binance needs to replace the missing assets. Whatever cannot be restored through recoveries or existing company holdings needs to be BOUGHT BACK. The exact purchase amounts have not been announced.
The estimated impact is $6.3 BILLION, with approximately $3 BILLION already frozen. The Frozen Funds will be Re-Minted and sent back to Binance while the Frozen funds will remain frozen forever. The full $6.3 billion represents 3.91% of all Binance holdings, once Tether/ Circle re-issue the frozen $3 billion, the remaining hacked amount falls to $3.3 BILLION, or 2.05% of total Binance assets. So in case nothing gets additionally frozen in the next days, simply translates into: Binance is forced to re-purchase $3.3 BILLION of stolen assets and that includes a big amount of Bitcoin. And in another way of translation this would mean, the Hacker holds $3.3 Billion worth of BTC and he won’t sell it as Hackers prefer BTC, and on top Binance needs to purchase Crypto and BTC worth $3.3 Billion. So overall, and mathematically correct this hack brings an inflow of $3.3 bn. This is why hacks are less harmful than liquidations such as FTX.
Let the bears celebrate the panic. I remain VERY bullish. In my view, the bull market continues, my longs from $80,400 and my spot holdings from $60,000 remain open, and this hack does NOT shake me out. I entered this market prepared for volatility. Let the bears celebrate today’s drop.
Yesterday Bitcoin was $2,000 above my long entry. Today, it is $2,000 below it. And I haven’t made a big deal out of it, ignore the volatile fluctuation and I’m trusting @cz_binance for 100%. The bull market needs to continue and I feel sorry for everyone who is capitulating based on this FUD.
From RE, who’s getting the real money? It’s the government. They tax you for buying home, holding it, and you must get their permission to renovate your property. Gov gets the ultimate benefits of RE along with rent-seeking banks.
You've already lost the real estate game
The boomers own everything, and now they're going to make you give them the next 50 years of your life to sell you their 60 year old home
Play a new game
Buy Bitcoin
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