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TRACY: my husband and I retire in 128 days. We have a net worth between $2.9 and $3.1 million. Home is paid off. We're trying to figure out when to start drawing Social Security.
DAVE RAMSEY: do you need Social Security to live on?
TRACY: no.
DAVE RAMSEY: then it's almost irrelevant to your situation.
TRACY: so when do we take it?
DAVE RAMSEY: early. As soon as you're eligible.
TRACY: why not wait for the higher benefit?
DAVE RAMSEY: because Social Security is a negative rate of return investment. The longer you wait the longer you're betting you'll live long enough to break even. Take it early and invest it since you don't need it to survive.
TRACY: that makes sense.
DAVE RAMSEY: you and your husband have done something most people never do. You won. The Social Security question is the least interesting thing about your retirement.
TRACY: what's the most interesting?
DAVE RAMSEY: what does the next chapter actually look like. Not financially. Personally. What does a day feel like when there's nowhere you have to be.
TRACY: we haven't really talked about that yet.
DAVE RAMSEY: start. 128 days is closer than it sounds.
$3 million net worth. Paid off home. 128 days from retirement.
And the most important conversation they haven't had yet has nothing to do with money.
What do you do with a life that finally belongs entirely to you.
That's the question worth planning for.
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Yourfavtallboyy retweeted
CAN SOMEONE EXPLAIN THIS TO ME LIKE I'M FIVE
Social Security's trust fund runs dry in late 2032. That's confirmed, not a theory, straight from the Trustees Report.
After that, it's not "gone." It just only has enough coming in from current payroll taxes to pay out 77% of benefits.
So the money that's been taken out of my check for the last 10+ years?
It already got spent. On people who are retired right now. That's literally how the system has always worked, pay-as-you-go, not a personal savings account with my name on it.
Which means by the time I'm supposed to collect, I'm betting on Congress fixing a problem they've known about since 1985 and still haven't touched.
Can anyone explain why this is treated like a surprise and not an emergency?
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Yourfavtallboyy retweeted
My landlord raised my rent by $400 a month because “market conditions have changed.”
I asked what changed about my apartment.
Same peeling paint.
Same broken kitchen drawer.
Same heater that sounds like a helicopter taking off.
He said the market didn’t care about my complaints.
Fair enough.
So I stopped complaining.
Instead, I spent Saturday reading my lease, the building rules, and the local tenant handbook.
By Sunday, I’d discovered three things.
The building was charging tenants a monthly fee that wasn’t listed in several leases.
The landlord had been ignoring a maintenance requirement that applied to every unit.
And the parking spaces he’d been renting out separately? Half of them weren’t authorized for commercial use.
I didn’t threaten him.
I didn’t post anything online.
I simply sent one polite email asking him to explain the discrepancies before my new rent took effect.
He replied in 11 minutes.
Suddenly, he wanted to “work something out.”
By Monday afternoon, he was offering to reduce my rent increase to $100.
I told him I’d think about it.
Then I heard something interesting from my neighbor.
Apparently, he’d received the exact same email.
So had six other tenants.
And now the landlord wants to hold a building meeting this Friday.
The invitation says it’s about “clarifying tenant concerns.”
Funny.
Last week, he told me the market didn’t care about my complaints.
This week, he’s asking everyone to bring a copy of their lease.
I’ve already printed mine.
And judging by the number of neighbors who’ve knocked on my door this morning, Friday is going to be a very long meeting.
Would you negotiate quietly, or make sure every tenant knows what you’ve found?
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Andy Stumpf on skydiving over Antarctica, where a chartered 757 lands on solid ice
Joe Rogan: What was weird about Antarctica?
Andy Stumpf: There's nothing there. We were at a camp in the interior run by a company called ALE. It's fully set up, with a library, a packing area for parachutes, bathrooms, showers and really nice tents. You fly in on a chartered 757 and land on a blue ice runway with lights on it.
Joe: You just land on ice?
Andy: Straight ice. A Russian plane landed while we were there.
Joe: Is the camp for scientists?
Andy: No. The South Pole has government-funded science. This is straight-up tourism. You can hang out in camp or go see glaciers. There's a dining facility with all the food you want, and every night someone gives a presentation, like a National Geographic photographer, or people who walked to the South Pole.
Andy: I had no fear of crevasses until I got the brief. The brief was basically: you fall in, you're dead, and they'll never find you.
Joe: And the camp is surrounded by them. How deep?
Andy: Hundreds of feet. One guy fell into one skiing, and the video went around online. He got out with ice cleats and a rope from his friends, and he was smart not to be out there alone.
Joe: How do they know a new crevasse won't open on the runway?
Andy: They groom it every 22 hours. And they shut the camp down every year, because in winter the sun never really comes up.
Andy: For the jump, I packed a duffel bag of clothes. I put on almost everything and nearly overheated in the plane, sweating under all those layers. Then you jump out into around negative 30 or 40 and rip clothes off on the way down. The second time, everyone wore one or two layers.
Joe: How cold was it on the ground?
Andy: About 10 degrees. I was in snowboard pants and a long-sleeve shirt.
No insects, no wildlife and a sun that never sets, and somebody still built a library.
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Elon Musk told Joe Rogan the Roadster unveil would be "unforgettable" and it is.
Joe Rogan: Are you still doing the Roadster?
Elon Musk: Yes. We're getting close to demonstrating the prototype. One thing I can guarantee is that this product demo will be unforgettable.
Joe: Unforgettable how?
Elon: Whether it's good or bad, it will be unforgettable. My friend Peter Thiel once reflected that the future was supposed to have flying cars, and we don't have them. If Peter wants a flying car, we should be able to buy one.
Joe: So are you actively considering making an electric flying car?
Elon: We have to see in the demo.
Joe: Retractable wings? Don't be sly.
Elon: I can't do the unveil before the unveil. But it has a shot at being the most memorable product unveil ever.
Joe: When?
Elon: Hopefully before the end of the year. We need to make sure it works. It has crazy technology.
Joe: Is it even a car?
Elon: It looks like a car. It's crazier than anything James Bond.
He promised an unforgettable unveil before the end of the year. The people with deposits have been waiting since 2017.
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Palmer Luckey tells Joe Rogan an African grey parrot's tiny brain could change how we think about AI
Joe Rogan: Are you familiar with Alex the African grey parrot? African greys are probably the smartest bird, right up there with crows and ravens. They can talk, they can reason.
Palmer Luckey: Alex was a uniquely smart one. African greys are usually not kept in captivity because they're a handful, and they're a handful because they're so intelligent. They need intellectual stimulation, and most people don't have the time. They get depressed and self-harm.
Palmer: Alex had a vocabulary and understood grammar. I think he's the only animal who asked an existential question, right before he died: "What's happening and where am I going?"
Palmer: And he has a tiny bird brain. People who've lost huge chunks of their brain seem to get by. Parrots like Alex suggest you can do a lot with very little brain if it's oriented correctly.
Trainer: What's different? What number is grey?
Alex: Four.
Trainer: Very good. Good boy.
Palmer: That's intelligence on par with a human toddler, with far less brain tissue. Building a thinking system from scratch with AI will help us understand how other systems think. There's never been an economic motive to dig into how the brain fundamentally works. Google's never funded it to the tune of tens of billions. Meta's never funded it to the tune of hundreds of billions.
Nobody paid to understand the brain until there was money in building a copy of it.
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Elon Musk tells Joe Rogan AI is a "supersonic tsunami" for jobs, and that work will become optional.
Joe Rogan: What's the solution to the jobs lost to AI and robotics? Universal basic income? A lot of people are going to be out of work.
Elon Musk: I think there will be high demand for jobs, just not the same jobs. This has happened throughout modern history. There used to be buildings full of people called computers, doing calculations by hand with pencil and paper. When digital computers arrived, that job disappeared and people had to do something else. That's happening now at an accelerated rate with AI and robotics. AI is the supersonic tsunami.
Joe: What jobs are left?
Elon: Anything physical, like welding, electrical work, plumbing, cooking, farming, will last much longer. Anything digital, where someone is just at a computer, AI will take those jobs like lightning, just like digital computers took the job of doing calculations by hand, but much faster.
Joe: Drivers, longshoremen, truckers. And so many desk jobs where people are just processing email or answering the phone.
Elon: Those are being eliminated at a very rapid pace. Ultimately, working will be optional, because you'll have robots plus AI. In a benign scenario, we get universal high income, not just basic income. Anyone can have any products or services they want. But there will be a lot of trauma and disruption along the way.
Joe: So we'd essentially eliminate poverty?
Elon: In the benign scenario, yes. There are multiple scenarios, and a lot of ways this movie can end. The Terminator scenario is not 0%, which is why I keep pushing for AI to be maximally truth-seeking.
Joe: What about meaning? It gets weird if no one ever has to work.
Elon: I don't know how to answer the question about meaning. It will be an individual problem for millions of people. But the benign scenario is sustainable abundance. We haven't paved the rainforest, the national parks are still there, and everyone has excellent medical care and whatever goods and services they want. We'd have to rewire how people approach life, and hopefully people can find meaning that isn't derived from work.
The job losses are already happening. The universal high income is only the benign scenario.
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AMY: how do I nicely tell my fiancé that his parents' financial problems aren't his job to solve? We were paying their mortgage. They have pets they can't afford but keep getting more. They can't pay their light bills.
DR. DELONY: read back exactly what you just said to him. "Honey your parents' financial challenges aren't yours to solve." If you've already said that and nothing changed the question isn't how do you say it better. The question is do you want to marry someone who puts his parents' financial struggles ahead of the family you're about to build.
AMY: it never ends in a fight. He just says they're still my parents.
JADE WARSHAW: he's the oldest of four and there's no real hardship. Just ongoing bad choices with money.
DR. DELONY: that's the proxy war. His parents' finances aren't the real issue. The real issue is you said this matters to me and he said I don't care. That's going to show up again when you buy a house. When you have kids. Every time.
JADE WARSHAW: my mom told me when I got married. The behavior you allow now is the behavior you'll allow for the rest of your marriage. If you let this slide now you're saying it's okay.
AMY: we're also pregnant.
DR. DELONY: which means you're connected to him forever regardless of what happens. So I want you to be honest about the state of this relationship. Not just the in-laws. The pattern.
JADE WARSHAW: don't start the conversation with you. That starts a fight. Start with I. I will not marry someone who puts other people's priorities ahead of ours. I will not build a life with someone who doesn't care what I want. Then he decides if he's in.
She didn't call in about in-laws.
She called in about a man who looked at her concern and said I don't care.
The mortgage is just where it showed up first.
It will keep showing up.
The question was never how to say it nicely.
The question is whether she's ready to hear the answer when she says it clearly.
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Yourfavtallboyy retweeted
AMY: how do I nicely tell my fiancé that his parents' financial problems aren't his job to solve? We were paying their mortgage. They have pets they can't afford but keep getting more. They can't pay their light bills.
DR. DELONY: read back exactly what you just said to him. "Honey your parents' financial challenges aren't yours to solve." If you've already said that and nothing changed the question isn't how do you say it better. The question is do you want to marry someone who puts his parents' financial struggles ahead of the family you're about to build.
AMY: it never ends in a fight. He just says they're still my parents.
JADE WARSHAW: he's the oldest of four and there's no real hardship. Just ongoing bad choices with money.
DR. DELONY: that's the proxy war. His parents' finances aren't the real issue. The real issue is you said this matters to me and he said I don't care. That's going to show up again when you buy a house. When you have kids. Every time.
JADE WARSHAW: my mom told me when I got married. The behavior you allow now is the behavior you'll allow for the rest of your marriage. If you let this slide now you're saying it's okay.
AMY: we're also pregnant.
DR. DELONY: which means you're connected to him forever regardless of what happens. So I want you to be honest about the state of this relationship. Not just the in-laws. The pattern.
JADE WARSHAW: don't start the conversation with you. That starts a fight. Start with I. I will not marry someone who puts other people's priorities ahead of ours. I will not build a life with someone who doesn't care what I want. Then he decides if he's in.
She didn't call in about in-laws.
She called in about a man who looked at her concern and said I don't care.
The mortgage is just where it showed up first.
It will keep showing up.
The question was never how to say it nicely.
The question is whether she's ready to hear the answer when she says it clearly.
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Yourfavtallboyy retweeted
Elon Musk tells Joe Rogan AI is a "supersonic tsunami" for jobs, and that work will become optional.
Joe Rogan: What's the solution to the jobs lost to AI and robotics? Universal basic income? A lot of people are going to be out of work.
Elon Musk: I think there will be high demand for jobs, just not the same jobs. This has happened throughout modern history. There used to be buildings full of people called computers, doing calculations by hand with pencil and paper. When digital computers arrived, that job disappeared and people had to do something else. That's happening now at an accelerated rate with AI and robotics. AI is the supersonic tsunami.
Joe: What jobs are left?
Elon: Anything physical, like welding, electrical work, plumbing, cooking, farming, will last much longer. Anything digital, where someone is just at a computer, AI will take those jobs like lightning, just like digital computers took the job of doing calculations by hand, but much faster.
Joe: Drivers, longshoremen, truckers. And so many desk jobs where people are just processing email or answering the phone.
Elon: Those are being eliminated at a very rapid pace. Ultimately, working will be optional, because you'll have robots plus AI. In a benign scenario, we get universal high income, not just basic income. Anyone can have any products or services they want. But there will be a lot of trauma and disruption along the way.
Joe: So we'd essentially eliminate poverty?
Elon: In the benign scenario, yes. There are multiple scenarios, and a lot of ways this movie can end. The Terminator scenario is not 0%, which is why I keep pushing for AI to be maximally truth-seeking.
Joe: What about meaning? It gets weird if no one ever has to work.
Elon: I don't know how to answer the question about meaning. It will be an individual problem for millions of people. But the benign scenario is sustainable abundance. We haven't paved the rainforest, the national parks are still there, and everyone has excellent medical care and whatever goods and services they want. We'd have to rewire how people approach life, and hopefully people can find meaning that isn't derived from work.
The job losses are already happening. The universal high income is only the benign scenario.
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Elon Musk tells Joe Rogan AI is a "supersonic tsunami" for jobs, and that work will become optional.
Joe Rogan: What's the solution to the jobs lost to AI and robotics? Universal basic income? A lot of people are going to be out of work.
Elon Musk: I think there will be high demand for jobs, just not the same jobs. This has happened throughout modern history. There used to be buildings full of people called computers, doing calculations by hand with pencil and paper. When digital computers arrived, that job disappeared and people had to do something else. That's happening now at an accelerated rate with AI and robotics. AI is the supersonic tsunami.
Joe: What jobs are left?
Elon: Anything physical, like welding, electrical work, plumbing, cooking, farming, will last much longer. Anything digital, where someone is just at a computer, AI will take those jobs like lightning, just like digital computers took the job of doing calculations by hand, but much faster.
Joe: Drivers, longshoremen, truckers. And so many desk jobs where people are just processing email or answering the phone.
Elon: Those are being eliminated at a very rapid pace. Ultimately, working will be optional, because you'll have robots plus AI. In a benign scenario, we get universal high income, not just basic income. Anyone can have any products or services they want. But there will be a lot of trauma and disruption along the way.
Joe: So we'd essentially eliminate poverty?
Elon: In the benign scenario, yes. There are multiple scenarios, and a lot of ways this movie can end. The Terminator scenario is not 0%, which is why I keep pushing for AI to be maximally truth-seeking.
Joe: What about meaning? It gets weird if no one ever has to work.
Elon: I don't know how to answer the question about meaning. It will be an individual problem for millions of people. But the benign scenario is sustainable abundance. We haven't paved the rainforest, the national parks are still there, and everyone has excellent medical care and whatever goods and services they want. We'd have to rewire how people approach life, and hopefully people can find meaning that isn't derived from work.
The job losses are already happening. The universal high income is only the benign scenario.
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Elon Musk told Joe Rogan the Roadster unveil would be "unforgettable" and it is.
Joe Rogan: Are you still doing the Roadster?
Elon Musk: Yes. We're getting close to demonstrating the prototype. One thing I can guarantee is that this product demo will be unforgettable.
Joe: Unforgettable how?
Elon: Whether it's good or bad, it will be unforgettable. My friend Peter Thiel once reflected that the future was supposed to have flying cars, and we don't have them. If Peter wants a flying car, we should be able to buy one.
Joe: So are you actively considering making an electric flying car?
Elon: We have to see in the demo.
Joe: Retractable wings? Don't be sly.
Elon: I can't do the unveil before the unveil. But it has a shot at being the most memorable product unveil ever.
Joe: When?
Elon: Hopefully before the end of the year. We need to make sure it works. It has crazy technology.
Joe: Is it even a car?
Elon: It looks like a car. It's crazier than anything James Bond.
He promised an unforgettable unveil before the end of the year. The people with deposits have been waiting since 2017.
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Yourfavtallboyy retweeted
Elon Musk told Joe Rogan the Roadster unveil would be "unforgettable" and it is.
Joe Rogan: Are you still doing the Roadster?
Elon Musk: Yes. We're getting close to demonstrating the prototype. One thing I can guarantee is that this product demo will be unforgettable.
Joe: Unforgettable how?
Elon: Whether it's good or bad, it will be unforgettable. My friend Peter Thiel once reflected that the future was supposed to have flying cars, and we don't have them. If Peter wants a flying car, we should be able to buy one.
Joe: So are you actively considering making an electric flying car?
Elon: We have to see in the demo.
Joe: Retractable wings? Don't be sly.
Elon: I can't do the unveil before the unveil. But it has a shot at being the most memorable product unveil ever.
Joe: When?
Elon: Hopefully before the end of the year. We need to make sure it works. It has crazy technology.
Joe: Is it even a car?
Elon: It looks like a car. It's crazier than anything James Bond.
He promised an unforgettable unveil before the end of the year. The people with deposits have been waiting since 2017.
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Yourfavtallboyy retweeted
Shane Gillis on his first comedy weekend: bombed drunk, crashed a wedding, told to be a teacher.
Joe Rogan: Saying you're 10 years in and doing your first special is about right. It really is a 10-year journey, and only if you work hard. The saddest thing is an open micer you've seen for 12 or 13 years who's still bombing.
Shane Gillis: A club owner once told me to quit. My first club weekend ever, I'd done open mics for about three months. A local guy recommended me, so I drove out with three friends and we got a hotel room. We played drinking games with Four Lokos all day. The owner asked if I could do 20 minutes. I had about three. I went on in a tiny hotel banquet room, blacked out.
Shane: There was a guy in the front row in a throwback Penguins jersey who sat there the whole show. Ten minutes in, he told his friends, "that one wasn't bad." That's when I realized how badly I was doing. Afterward the owner asked what I was studying. History. He said, "You should be a teacher."
Joe: It's hard to tell when someone's young and drunk. And he didn't know you.
Shane: The second night, the wedding at the hotel. We bought suits at the Salvation Army and crashed it. We took a picture with the bride, she asked who we were, and the groom tried to fight us. Then I had to leave and bomb at the show. The groomsmen showed up at the bar. The club owner agreed I sucked.
Joe: First weekends are always a disaster. When did it start rolling?
Shane: I'd been dabbling in central Pennsylvania, but there's only so much you can do. I moved to Philly with no job, only to do standup.
Joe: You had a degree?
Shane: In history.
Joe: Useless.
Shane: Unless you want to be a teacher. I worked the front desk at a car garage in Philly. I'd sold Hondas after college and had no idea how cars work. People would ask what was wrong with their car and I'd say, "the rotor."
A history degree, a front desk job and a bombed set. That's what the first year looked like.
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Shane Gillis on his first comedy weekend: bombed drunk, crashed a wedding, told to be a teacher.
Joe Rogan: Saying you're 10 years in and doing your first special is about right. It really is a 10-year journey, and only if you work hard. The saddest thing is an open micer you've seen for 12 or 13 years who's still bombing.
Shane Gillis: A club owner once told me to quit. My first club weekend ever, I'd done open mics for about three months. A local guy recommended me, so I drove out with three friends and we got a hotel room. We played drinking games with Four Lokos all day. The owner asked if I could do 20 minutes. I had about three. I went on in a tiny hotel banquet room, blacked out.
Shane: There was a guy in the front row in a throwback Penguins jersey who sat there the whole show. Ten minutes in, he told his friends, "that one wasn't bad." That's when I realized how badly I was doing. Afterward the owner asked what I was studying. History. He said, "You should be a teacher."
Joe: It's hard to tell when someone's young and drunk. And he didn't know you.
Shane: The second night, the wedding at the hotel. We bought suits at the Salvation Army and crashed it. We took a picture with the bride, she asked who we were, and the groom tried to fight us. Then I had to leave and bomb at the show. The groomsmen showed up at the bar. The club owner agreed I sucked.
Joe: First weekends are always a disaster. When did it start rolling?
Shane: I'd been dabbling in central Pennsylvania, but there's only so much you can do. I moved to Philly with no job, only to do standup.
Joe: You had a degree?
Shane: In history.
Joe: Useless.
Shane: Unless you want to be a teacher. I worked the front desk at a car garage in Philly. I'd sold Hondas after college and had no idea how cars work. People would ask what was wrong with their car and I'd say, "the rotor."
A history degree, a front desk job and a bombed set. That's what the first year looked like.
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BEN FROM FLORIDA: am I obligated to tip on a to-go order? I placed the order, drove to pick it up, there was no table service. Am I wrong?
DAVE RAMSEY: you're not wrong.
GEORGE KAMEL: this is the great tipping debate of our generation. Self checkout screens spinning around asking for 25%.
DAVE RAMSEY: I believe in tipping. I tip valets outrageously. I tip bellmen big time. I leave cash on the hotel bed for housekeeping every single time. But there is a difference between tipping for service and being guilted into tipping for a transaction.
GEORGE KAMEL: what's the line?
DAVE RAMSEY: physical service where someone is attending to you repeatedly. That earns a tip. Handing food over a counter that someone else cooked is a cashier. Not a server.
GEORGE KAMEL: but the spin move at the counter.
DAVE RAMSEY: I will make full eye contact and press custom tip. Zero. Zero. Zero.
GEORGE KAMEL: savage.
DAVE RAMSEY: to-go order at a nice restaurant where someone packaged everything up carefully? A dollar or two. Maybe ten percent. Not twenty. On a massive catering order where someone really worked? I'll jack that one up.
GEORGE KAMEL: what about the starving children button at the grocery store checkout?
DAVE RAMSEY: I take care of starving children through organizations I've personally vetted. Through the Ramsey Foundation. For a whole lot more than ten dollars. Not through a mega corporation's checkout screen.
Here's the actual rule on tipping.
Never regret genuine generosity.
Always resent guilted generosity.
One comes from abundance.
The other comes from a screen spinning toward you at an awkward angle while someone makes eye contact.
Know the difference.
Tip the first one well.
Ignore the second one without shame.
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Yourfavtallboyy retweeted
BEN FROM FLORIDA: am I obligated to tip on a to-go order? I placed the order, drove to pick it up, there was no table service. Am I wrong?
DAVE RAMSEY: you're not wrong.
GEORGE KAMEL: this is the great tipping debate of our generation. Self checkout screens spinning around asking for 25%.
DAVE RAMSEY: I believe in tipping. I tip valets outrageously. I tip bellmen big time. I leave cash on the hotel bed for housekeeping every single time. But there is a difference between tipping for service and being guilted into tipping for a transaction.
GEORGE KAMEL: what's the line?
DAVE RAMSEY: physical service where someone is attending to you repeatedly. That earns a tip. Handing food over a counter that someone else cooked is a cashier. Not a server.
GEORGE KAMEL: but the spin move at the counter.
DAVE RAMSEY: I will make full eye contact and press custom tip. Zero. Zero. Zero.
GEORGE KAMEL: savage.
DAVE RAMSEY: to-go order at a nice restaurant where someone packaged everything up carefully? A dollar or two. Maybe ten percent. Not twenty. On a massive catering order where someone really worked? I'll jack that one up.
GEORGE KAMEL: what about the starving children button at the grocery store checkout?
DAVE RAMSEY: I take care of starving children through organizations I've personally vetted. Through the Ramsey Foundation. For a whole lot more than ten dollars. Not through a mega corporation's checkout screen.
Here's the actual rule on tipping.
Never regret genuine generosity.
Always resent guilted generosity.
One comes from abundance.
The other comes from a screen spinning toward you at an awkward angle while someone makes eye contact.
Know the difference.
Tip the first one well.
Ignore the second one without shame.
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