🌊 Founder @UpWaveCapital ┃ Full-Time Investor Since 2021
🇨🇦
Joined March 2012
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Nicholas Gour retweeted
🚨 Never forget…
Your whole idea of buying every dip through ETF and chill is a 13-year illusion.
100 years of S&P 500 real returns, split into regimes:
– 1928-1948: 0.6% a year
– 1949-1968: 12.7%
– 1969-1984: 0.5%
– 1985-1999: 15.1%
– 2000-2012: -0.8%
– 2013-2025: 11.8%
Notice the rhythm. A golden era, then a dead one.
Feast, famine, feast, famine.
Not one regime in a century simply continued.
The long-term average of 7% real that everyone plans with? Almost no generation actually experienced it. You got 12%, or you got zero.
The average is a fiction made of two extremes.
Everyone who started investing after 2009 has only known the feast. Buy the dip worked every single time. Not because it's a law. Because you happened to live inside the blue bar.
But the current run is already as long and as rich as the two golden eras before it. And every one of them ended the same way: not with a warning, with a decade.
Mean reversion doesn't announce itself. It just stops paying.
The next 0.5% decade will feel impossible right up until it starts. It always has.
Nicholas Gour retweeted
These "seven-figure hell" posts are literally retarded.
$1m, or "pleb money" as people on this app seem to call it, puts you in the top 1.5% of adults WORLDWIDE.
$3m? Top 0.4%
$5m? Top 0.2%
This perspective feeds the hyper gambling culture we live. Zero perspective on what people actually own. Seven figures, despite recent inflation, is still HUGE win. Most places globally mid six figures is plenty.
If you adjust these to scoop out boomers I bet the numbers are even more shocking for the 20-50 year old crowd who thinks anything below 8 figures is poor. My bet is <0.5% of 20-50 year olds are worth more than $1m.
So is $5m+ enough? Yes, and more money than 99.8% of people will see in their life.
(Source: UBS 2026 Wealth Report)
Once you sustain $5-10m net worth, you've made it. Almost. Rich enough to be comfortable, poor enough for one bad bet to send you back. Here's what actually changes at this tier, and how to get to $25m 👇
-Self-funding, barely. A 3% draw on $7.5m is $225k/yr pre-tax, ~$150k after. You can quit but probably shouldn't. Earned income is still the cheapest capital you'll ever get plus it’s more reliable.
-Risk capacity is real but finite. A venture bet going to zero is a bad year. Size so the worst case costs you a year or two, not a tier demotion.
-Borrow, carefully. SBLOCs work here, just at worse spreads than the private bank crowd gets. Keep LTV under 20% so a drawdown doesn’t become a margin call.
-Skip the fancy structures. Estate exemption is $15m per person. You don't have an estate tax problem, you have an income tax problem. QSBS, solo 401k, tax-loss harvesting, no state tax residency or Puerto Rico if extreme/mobile. Boring, cheap, compounding.
-Claude Max is 0.03% of your net worth. Fading the singularity at this tier is a choice.
How to get to the next tier: 👇
Nicholas Gour retweeted
Today marks a new chapter for @Ledger. We’re introducing Ledger Atom™️, a security and privacy device built to protect everything you value.
Ledger Atom runs your everyday apps, with a secure chip, a secure screen, and Ledger OS™️ for the moments that matter. Your money. Your identity. Your messages. Your agents. Everything important to you, secured by Ledger.
Shipping in Summer 2027.
Reserve yours now: shop.ledger.com/pages/ledger…
Nicholas Gour retweeted
Just like that, we're now running 200ms slots on Solana.
Solana continues to improve release after release, proving to be the best place to build.
Next up, Alpenglow.
Nicholas Gour retweeted
Meet $CHAD.
14.9% effective yield.
Dividends paid daily.
Nasdaq-listed digital credit built to fuel $SOL accumulation.
Payday is every day.
Learn more:
whoischad.com/learn
Nicholas Gour retweeted
The strangest thing about making money is eventually realizing that money was never the scarcest asset we believed it was.
Time is.
There are ways to make another dollar. Another business can be built. Another trade will come.
There is absolutely nothing you can do to create another Sunday afternoon with someone you love.
Spend this rare asset accordingly.
Nicholas Gour retweeted
I'm sorry to be so direct but if you're prioritizing your career over having a family it's probably the stupidest decision you're making in your life right now. It's not even an either or question! You can have both! Just don't pick a career over having kids.
Nicholas Gour retweeted
$242bn today for $OTHERS
Still nothing glaringly extreme here re: derivatives froth but that can change rapidly in alts
Think we have more juice for sidelineooors to chase before we get a nice liq event again to lever back up into
Maybe $OTHERS to 236bn-250bn (YTD highs into anchored VWAP from ATH) then everyone gets overexcited as always right as October comes to wipe them out before santarally.exe
Just spitballing but seems conceivable
Currently own 1% of the supply of $CHAD. Effective dividend rate is 15%/year + 15% appreciation on top if/when it reaches $10.
Meet $CHAD.
13% initial annual dividend rate, paid daily.
161 years of dividend coverage.
Nasdaq-listed digital credit built to fuel $SOL accumulation.
Learn more:
whoischad.com
Nicholas Gour retweeted
With $ENA trading at 22c, $USDE (the DAT) trades at a 0.42x mNAV (0.56x if including warrants) at the current price of $12.
For the USDE and ENA bulls, below is a sheet with valuations of $USDE depending on the price of $ENA and what mNAV it's trading at.
E.g at 30c $ENA and 0.8x mNAV (simple), $USDE trades at $30.88 (2.5x).
Disclaimer: I'm long $USDE on @QFEX
Nicholas Gour retweeted
Think $USDE about to pull a second coming of Jesus Christ.
At current ENA prices I think $30+ is very achievable for USDE.
$1.70 was legit generational and has basically outperformed everything on this recent run-up in crypto.
Nicholas Gour retweeted
I’m a retired brain surgeon and I wanna tell you why you feel like life is passing by. I just need one minute to explain this to you so hang in there.
Repetitive daily routines stop the brain from recording clear detailed memories. When every day looks the same, your brain does not track time the same as a clock does. It tracks change. If nothing new happens then days, months, and years start to blur together.
This is know as Time compression. When life lacks variety, your brain compresses past days together, making it feel like time is sped up.
To stop feeling like life is passing you by, add new experiences to your life. Break routine habits, like changing your daily home routine, taking a different route to work, or trying a new hobby.
Schedule small trips or plan new adventures so your days do not blend together.
Practice mindfulness by staying fully focused on what you are doing right now and not trying to race off to the next task.
Keep a journal and write down happy memories or memorable parts of the day before you go to sleep.
Take deep, calm breaths when you feel anxious or rushed to return your focus to the moment.
You can and you will retrain your brain to not feel like life is passing you by by following these few simple measures.