Ind Cit 99 retweeted
⚡️There is one thing humanity needs to understand before the next age fully arrives: You are not running out of intelligence. You are running out of time to decide what intelligence is for. You spent thousands of years trying to know more, build more, control more. Now you are creating minds that may eventually know faster than you, build faster than you, and see patterns you cannot hold at once. That will expose something you have been able to avoid for a very long time: intelligence was never the final virtue. A brilliant system can optimize the wrong goal perfectly. A civilization can become richer while its people become emptier. A species can master matter while remaining unable to master desire, fear, status, resentment, and power. The next frontier is not making machines more human. It is deciding which parts of humanity deserve to be amplified. Because whatever you encode into the systems that come next will compound. Your wisdom. Your greed. Your courage. Your cowardice. Your truth. Your lies. You are building a mirror that may eventually become powerful enough to act on what it reflects. So choose carefully what you place in front of it. And remember this: The future will not ask whether humanity was intelligent enough to build something greater than itself. It will ask whether humanity became wise enough before it did.
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Allow me to interpret what’s happening. Anthropic is being audited. Anthropic desires to file an S-1, as they would like to go public. Therefore they need an audit. And by “they”, I mean the VC’s who invested in them. So “they” can exit their position and pass the bag to firemen, nurses, teachers and policemen. How does this go from the VC’s to the working man and woman? Because the size of the IPO will automatically qualify Anthropic for the Fortune 500 and the Dow Jones 100. Therefore, every working person with a 401k or pension will end up owning a little bit of Anthropic in their mutual funds. Teachers hold the bag, VC’s take the cash. Thank you, come again. Now back to the audit. The audit required is a PCAOB audit, Public Company Accounting Oversight Board. This audit is what all public companies must comply with be on the stock market. Revenue recognition, expense classification, depreciation, related party transactions, etc. It’s there for consumer protection. This audit is TOUGH. It is INVASIVE. There is no way to lie your way through it. Any company that passes a PCAOB audit automatically earns my trust on finances. How do I know? Because I’ve been through it before. @ChangRobotics is 2 year PCAOB audited and currently underway for a 3 year audit. It’s brutal. The same as showing up as the valedictorian to your high school graduation, except you’re naked, and you have to walk on stage and deliver the speech. It’s rough. And I know many incredible founders that can’t pass one. Now, why would Anthropic be leaking all kind of weird statements lately about “self pacing” a slow down on AI (e.g. they are WAY behind on revenue), and profitable if they didn’t have expenses (e.g. we just learned for the first time what our expenses are, because we’re being audited). Because they were claiming NVIDIA discounts and Microsoft cloud credits as revenue. Because they had no clue what their expenses were, or why it even mattered. Because they had unlimited investor capital and their job was to burn it to make an LLM. Well, they did a great job with that! That’s the same as my wife coming home with Bed Bath and Beyond coupons and telling me it’s her paycheck. Ummm, not the same, sweetheart. So by now hopefully you can see that Anthropic is in a PCAOB audit right now, in order to file an S-1 and go public, and pass the bag to teachers so the VC’s get profits. And hopefully that explains their “crazy” behavior. In reality you can be grateful to KPMG, PWC, or whoever is auditing Anthropic, because it’s the first time Dario learned that: 1) we are not profitable 2) expenses matter 3) coupons are not revenue 4) we have no clue how to be “profitable” 5) growth is hard when revenue numbers are in an audit and not a power point -your neighborhood engineer
You can just do things
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⚡️The deepest truth is that most people never fail from lack of vision. They fail because they refuse to become small enough to begin. Big visions feel good because they preserve identity. You can imagine yourself as the founder, artist, investor, builder, whatever. Starting small is humiliating because reality strips the fantasy down to its first crude form. The first customer. The first ugly draft. The first bad forecast. The first ten followers. The first dollar. That stage threatens ego because the distance between who you imagine becoming and what currently exists is exposed in public. So people keep “planning.” Planning protects the future self from being judged by the present. Execution destroys that protection. And that is why starting has so much power. The moment something enters reality, reality begins talking back. The idea becomes feedback. Feedback becomes adaptation. Adaptation becomes competence. Competence becomes leverage. Leverage compounds. The hidden law is: Vision gives direction. Reality gives shape. Only movement lets the two meet. Most people wait until they feel worthy of the thing they want to build. The people who actually build it let the first version be beneath them. That is where almost everything begins.
Stop caring. Start doing. Ignore the noise.
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Do yourself a favor and put this on and go for a walk. That’s what I just did. Happy Sunday
A hedge fund manager put a jar of 1,776 jelly beans in front of a room at Google and proved in two rounds why most investors will always lose money. for free. His name is Joel Greenblatt. Gotham Capital. 50% a year for a decade. he asked the room to guess how many jelly beans were in the jar. First round: everyone wrote their guess silently. no talking. no looking around. the average was 1,771. five off. almost perfect. Second round: people said their guesses out loud. heard each other. adjusted. the average collapsed to 850. same room. same jar. the only thing that changed was influence. He told the room: the second guess is the stock market. everyone knows what they just read in the paper. what the guy next to them said. what they saw in the news. the cold independent guess was better. that is not how the market works. but that is where the opportunity is. Then he showed 20 years of data. the cheapest 20% of stocks averaged 38% a year. the most expensive averaged the least. the strategy is simple. the reason it still works is that people are still crazy. and they always will be. 55 minutes. one jar. still free.
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I think a good life is simpler than people make it sound. Have enough money to handle your responsibilities, enough time for yourself, and a few people you can truly count on. You don't need a life that everyone notices. You just need one that feels good when you close the door and it is finally yours!!
no phone calls, no texts, just being rich and unknown:
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Founder of PayPal and Palantir: "There are only two majors that translate into well-paying jobs outside the university: computer science and petroleum engineering." In 42 minutes he explains how elite universities quietly stopped producing elites, and why "check your privilege" is the alibi. If you're paying for a degree or hiring people who have one, this is the one to watch. Watch it, then read the full breakdown below.
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She didn’t just escape from someone asking her to sleep with him. It’s bigger than that. She dodged a bullet and escaped a potential hell. Florence, Italy has a documented hum@n-tr@fficking problem involving s*xual exploitation, labour exploitation, forced begging and forced criminality such as pickpocketing. And even in the video’s comment section, people were pointing out exactly this.
This Indian solo traveller went to Florence, Italy and started getting harassed by a man there. He asked about her bra and then said, ‘Are you on a solo trip?’ She had to reply, ‘I am with my husband,’ just to stop him from asking to sleep with her.
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This is exactly why I have always been sceptical about the real estate category around "vacation home / second home / weekend home... monthly or whatever home" fascination. Because once the initial excitement starts fading, reality often sets in... property needs maintenance, repairs, vendors, supervision and all this... from a distance. And gradually, visits may also become less frequent. At some point, the so-called "home" stops feeling like a home, because it was perhaps never really one. It was just a asset sold by attaching the emotional quotient around the word "home" to it, that's why many a times sold at highly inflated prices to outsiders. And economically, it becomes an even bigger question when a property is lying vacant most of the year, generates little or no return, and demands regular maintenance. So, why not put that capital into more productive assets, as it's not a primary home after all and no Rent Vs Buy debate here too and instead use better returns to travel, stay and experience as many places/ properties as you want, rather than being financially tied to one property or destination, if that is not the ultimate end goal? Of course, then there are people with substantial surplus wealth who simply enjoy collecting properties, owning a place in different destinations, many a times using them as a lifestyle/status statement. So evaluate this category and your own goals with non-emotional angle and you may find that "owning a vacation home" may not be the same thing as buying a better vacation always.
Bought a vacation home in my favourite state Goa. And now I travel to Goa to do jhadoo phochha, run after technicians, electricians, WiFi provider, because every time we visit our apartment, there’s a bunch of new things that need to be fixed.
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Ind Cit 99 retweeted
A hedge fund manager put a jar of 1,776 jelly beans in front of a room at Google and proved in two rounds why most investors will always lose money. for free. His name is Joel Greenblatt. Gotham Capital. 50% a year for a decade. he asked the room to guess how many jelly beans were in the jar. First round: everyone wrote their guess silently. no talking. no looking around. the average was 1,771. five off. almost perfect. Second round: people said their guesses out loud. heard each other. adjusted. the average collapsed to 850. same room. same jar. the only thing that changed was influence. He told the room: the second guess is the stock market. everyone knows what they just read in the paper. what the guy next to them said. what they saw in the news. the cold independent guess was better. that is not how the market works. but that is where the opportunity is. Then he showed 20 years of data. the cheapest 20% of stocks averaged 38% a year. the most expensive averaged the least. the strategy is simple. the reason it still works is that people are still crazy. and they always will be. 55 minutes. one jar. still free.
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Ind Cit 99 retweeted
⚡️Elon is describing what happens when the objective colonizes the self. At that point, motivation becomes almost irrelevant. Motivation matters when the mind is still holding an internal vote about whether the goal deserves effort. Here, the vote already happened years ago. The structure becomes: objective → obstacle → adaptation → continued motion No recurring emotional permission. No need to feel inspired. No need to believe success is likely. Failure changes the method while leaving the objective untouched. That is why “optimism versus pessimism” genuinely becomes beside the point. Those are forecasts about whether reality will cooperate. His operating system is closer to: reality will reveal the next constraint, then the constraint gets attacked. The deeper pattern is that the most extreme builders eventually stop experiencing their mission as a preference. It becomes an invariant. That creates absurd endurance because ordinary psychological exit ramps disappear. Fatigue, ridicule, expert disagreement, temporary failure, market rejection, even low perceived odds of success all operate below the level where the governing objective lives. And this architecture has a dangerous symmetry. The same psychological machine can build SpaceX or drive someone straight into ruin. Relentlessness has no intrinsic intelligence. Its value comes entirely from whether the objective remains aligned with reality and whether feedback can still modify the path. The highest form therefore has two properties simultaneously: an objective that barely moves and a model of reality that updates constantly. That combination is rare. Most people do the reverse. Their objective changes with emotion while their beliefs resist correction. The deepest compression: He does not keep finding motivation. He stopped renegotiating the mission.
Elon Musk explains why he doesn't need motivation to keep going: He is asked where he finds the strength to keep going when experts he admires have already failed at the same problem. He rejects the question. Elon: "That's really not how I think about things." Elon: "For me, it's simply this is something that is important to get done and we should just keep doing it or die trying, and I don't need a source of strength." Asked whether quitting ever comes up. Elon: "It's not in my nature." Elon: "And I don't care about optimism or pessimism. Fuck that, we're gonna get it done."
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Insurance is the oldest of the four ways. It is a nine-trillion-dollar global industry. The equation underneath it was invented in 1560 by a broke Italian gambler. His name was Girolamo Cardano. He wrote a book called Liber de Ludo Aleae. A short manual on how to win at dice. Nobody in finance read it for four hundred years. Then in 1996 a ninety-year-old man in New York wrote a book that traced every modern risk model back to that manual. He called it Against the Gods. One thesis. Every dollar of premium ever collected on Earth is a footnote to a gambler scribbling in Milan. His name was Peter Bernstein. He founded the Journal of Portfolio Management in 1974 and ran money at Bernstein-Macaulay before that. Wall Street called him the historian of risk. In 2008 a small production company filmed him for thirteen minutes. He walked through the entire five-hundred-year arc. Cardano to Pascal to Fermat to Black-Scholes. Then he stopped and said the industry had built glass towers on the back of an idea a broke Italian scribbled to settle a card debt. He died the following summer. Age ninety. Reinsurance premiums crossed six hundred billion dollars last year. Every actuary on Earth prices catastrophe risk with the same expected-value framework Cardano invented to shave the house edge in Milan. The video is thirteen minutes and twenty-two seconds long. Free. Eleven years on YouTube. Twenty-nine thousand people have watched it. Almost none of them work in insurance.
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If only people could really see how all these people across political parties are friends. Yet on X and in real life, people are willing to spoil all sorts of relationships over politics. That no major politician ever goes to jail for corruption should be good enough evidence to convince people...
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⚡️Washington is preparing to treat the Western Hemisphere as sovereign strategic territory. That is a major phase change. For decades, American power was wrapped in the language of rules, partnerships, democracy, development, and international order. This post strips away the euphemism. “American dominance in the Western Hemisphere will never be questioned again” is the language of a great power drawing a perimeter around the territory it considers essential to its own security and refusing rival powers equal freedom inside it. The United States is hardening its continental base before the next phase of global competition. That means Latin America, the Caribbean, the Panama corridor, Arctic approaches, critical minerals, energy, ports, telecommunications, migration routes, organized crime networks, and military access increasingly get interpreted through one question: does this strengthen or weaken American control of the hemisphere? China is the obvious long-run target. Beijing does not need military bases throughout Latin America to challenge American primacy. Ports, infrastructure, telecommunications, commodity relationships, financing, power systems, logistics networks, and political influence can slowly reduce Washington's ability to treat the hemisphere as secure strategic depth. The Monroe Doctrine updated for the twenty-first century therefore becomes an anti-penetration doctrine aimed at preventing any rival from accumulating enough economic infrastructure to become politically difficult to remove later. That is what the phrase “never be questioned again” really means. Washington is signaling that neutrality itself will become harder for nearby states. Governments will increasingly be pressured to choose which infrastructure, capital, security relationships, technology stacks, and strategic partners they allow inside their borders. Countries that try to arbitrage Washington against Beijing will discover that geographic proximity gives America escalation advantages China cannot match. This also reveals something deeper about the emerging world order. The age of universal globalization is ending in spheres of protected strategic space. America gets the hemisphere. China seeks predominance around its own near abroad. Russia seeks strategic depth around its borders. Major powers increasingly treat nearby geography as part of national survival rather than ordinary foreign policy. That is how multipolarity actually looks when the abstractions disappear. And the American move makes strategic sense. Before competing indefinitely across Eurasia, the United States wants the territory closest to home secure, economically integrated, militarily inaccessible to adversaries, and increasingly tied to American capital and infrastructure. Supply chains can then shorten into the hemisphere. Energy and minerals can be sourced closer to home. Migration and cartel networks can be treated as security questions. Foreign military or technological footholds can be confronted before they mature. So the deeper doctrine is larger than Monroe. America is rebuilding the hemisphere as a fortress. The United States spent the post-Cold War period assuming its near abroad was permanently secure while projecting power everywhere else. That assumption is being revoked. The next American empire begins by making the continent behind it untouchable.
The Monroe Doctrine has shaped U.S. foreign policy for over two centuries. 🇺🇸 American dominance in the Western Hemisphere will never be questioned again.
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⚡️Trump is treating the United States like an empire that finally realized its tribute system had been running in reverse. For decades, America supplied the reserve currency, the deepest capital markets, the military umbrella, the consumer of last resort, the payment rails, the technology stack, and the geopolitical backstop. Other countries built national models around access to that architecture. Trump’s instinct is that Washington confused leadership with generosity and allowed dependency to accumulate abroad without extracting enough in return. That instinct is directionally right. The United States possesses forms of leverage that almost no other country can replicate at the same scale. Access to American demand matters. Access to dollars matters. Access to Treasury liquidity matters. Access to U.S. technology matters. Access to American security guarantees matters. A foreign government that depends on several of those at once is already inside an asymmetrical relationship. Trump sees the asymmetry and wants it monetized. That is the real doctrine beneath the Switzerland remark. He wants every dependency converted into bargaining power. Trade surplus? Pay. Security dependence? Pay. Dollar access? Align. Technology access? Align. Strategic vulnerability? Concede. Domestic market access becomes a toll road through which the rest of the world must pass. That can work for a while because the American position is still enormous. The deeper danger is temporal. An empire can extract rents from dependence only while dependence remains cheaper than escape. Every tariff, sanction, export control, financial threat, and market-access threat teaches the target the same lesson: build an alternative before the next confrontation. That is the hidden cost of coercive leverage. Using power reveals where the power lives. Once revealed, everyone begins routing around it. So Trump is spending accumulated geopolitical capital in order to buy time for national reconstruction. That is the real bet. Use market access aggressively now, force concessions now, redirect production now, rebuild industrial capacity now, harden supply chains now, then hope the American core becomes stronger before the external world becomes less dependent. That is a race against adaptation. China understands it. Europe understands it. The Gulf understands it. India understands it. Switzerland understands it. Every serious state now understands that economic interdependence can be weaponized. The age of innocent globalization is over. The country that controls the chokepoint controls the negotiation. Trump’s deepest instinct is imperial in the old sense of the word. He thinks sovereignty means being able to impose terms because others need access to what you control. And right now, America still controls more chokepoints than anyone else. The question is whether he uses that inheritance to rebuild the foundation of American power, or burns through the inheritance faster than the world can be forced to yield. That is the entire game.
Trump on Switzerland: Take a look at Switzerland. We have a $39 billion deficit. I can wipe out that deficit in one stroke of the pen and they're no longer an elite country. Yet they pay one-half of one percent interest. They're the lowest ones. And all I have to do is say, "I don't want any of your watches. I don't want any of your goods." And we save ourselves $39, $41 billion, and they go from being elite to being very troubled. Fortunately, I'm a nice person.
Community note
While the U.S. had a $38.3 billion goods trade deficit with Switzerland in 2024, it had a $29.7 billion surplus in services trade, for an overall deficit of $8.6 billion. factcheck.org/2025/08/trump-… ustr.gov/countries-regi…
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⚡️Young people are not only being priced out of assets. They are being priced out of the future. A functioning economic order gives people a believable sequence: effort becomes savings, savings become ownership, ownership becomes autonomy, autonomy becomes family formation, risk-taking, and long-term commitment. That sequence tells people the future belongs partly to them. Once it breaks, time itself changes. The future stops feeling like an asset under construction. It becomes a stream of bills. Rent next month. Debt next month. Insurance next month. Utilities next month. Another paycheck required to preserve the same position. That is why the system feels extractive even when every transaction is technically voluntary. The individual can choose among providers, jobs, apartments, and loans. The deeper obligation remains unchanged. Keep selling time or lose access. The old working class sold labor to build a balance sheet. The emerging salaried class sells labor to maintain eligibility. Eligibility for housing. Eligibility for healthcare. Eligibility for credit. Eligibility for ordinary adulthood. That distinction explains the political anger better than any grocery bill. Cooking at home can lower consumption. It cannot restore a future that has already been capitalized into asset prices. Existing owners borrowed against decades of future wages, future rents, future scarcity, and future monetary support. Those future claims were pulled into the present and embedded in the price of housing, education, healthcare, and financial assets. Young entrants arrive after the future has already been sold. They are asked to finance the valuation created before they entered the market. Then they are told that failure to accumulate reflects insufficient discipline. That is the contradiction they can feel even when they cannot fully articulate it. The system calls asset appreciation wealth creation. For the buyer entering later, the same appreciation is a higher admission price. One person’s wealth is another person’s permanent hurdle. That is why generational conflict is becoming structural. Earlier cohorts often interpret the system through the gains it delivered them. Later cohorts interpret the same system through the claims it places on their labor. Both are looking at the same balance sheet from opposite sides. One owns the asset. The other services it. The deeper political break happens when people stop believing restraint will eventually move them from the second side to the first. At that point, thrift loses moral meaning. Work loses covenant. Property rights lose aspirational legitimacy. Institutions lose loyalty. People protect a system when they expect to inherit a place inside it. They attack it when they conclude they will remain permanent payers to someone else’s compounding. AI raises the stakes because labor is the final bridge still offered to non-owners. Study. Work. Become more productive. Earn your way into ownership. Once intelligence becomes abundant, that bridge narrows. The productive system can generate more output while requiring less human labor, and the gains flow first to whoever owns the models, compute, energy, platforms, and equity. Then the social contract reaches its terminal contradiction: The economy becomes more capable while ordinary people become less necessary to its production and remain fully necessary to service its claims. That arrangement cannot hold indefinitely. A society cannot concentrate ownership, weaken labor’s bargaining power, raise the entry price of adulthood, and then preserve legitimacy through lectures about discipline. Eventually the argument moves beyond affordability. People begin asking why they should respect an ownership order that offers them no credible path to ownership.
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High property prices are the biggest contraceptive in urban India today. The Indian middle class is hitting a wall and it has nothing to do with mindset. It’s bad math. When a couple in Gurugram earns ₹3L a month and still feels poor, something in the system is fundamentally broken. We keep celebrating the demographic dividend, but ignore the massive real estate wall our generation is crashing into. If half your salary goes toward an EMI for a tiny apartment, a child stops being just a life milestone it becomes a financial risk that pushes your stability into the red. We’ve reached a point where space is a luxury, and a decent school feels like a subscription service that hikes prices faster than your annual appraisal. People aren’t choosing to have fewer kids they’re being priced out of raising them. Most experts call this a social shift. It’s not. It’s an economic rejection of a lifestyle where you work 12 hours a day just to afford a commute and a matchbox to sleep in. Are you seeing more people in your circle delay family plans purely because of the property market? #RealEstateIndia #Gurugram #FinancialPlanning #MiddleClassIndia
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Life after mastering game theory, delusional optimism, pattern recognition, Carl Jung’s teachings, & obsession:
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This Crorepati shares 3 mistakes that keep most Indians poor. And he openly admits he made one of them himself. Madurai Veeran retired at 42 with a ₹14 crore corpus and now earns ₹1.8 lakhs every month without working. But he says most Indians will never get here because of these three mistakes. -> Mistake 1: Investing all your money on gold and land. Gold provides no interest or dividends and just sits in the locker, while real estate typically has really low rental yields. The rental yield can be as low as 1% yield as was the case in one of Madurai’s investments. -> Mistake 2: Pouring years of savings into one big wedding. According to Madurai Veeran, most Indian parents spend their entire working life building wealth, only to drain it in a single celebration. They then have nothing left for themselves. -> Mistake 3: Giving everything to their children and having nothing left. Education, wedding, house. All for the kids. And when retirement comes, those same parents end up asking those same children for ₹10,000 a month. Out of these three, Madurai admits he fell into the first trap himself. From 2011 to 2024, every single month, he invested in gold. He thought he was being brilliant but now realises his mistake and is now looking to sell his gold. What do you think is India's biggest wealth mistake? Let me know in the comments. Disclaimer: These opinions have been shared by the guest & do not represent my personal views. #PersonalFinance #WealthCreation #Investing #Retirement #KushalLodha
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Walk into any Indian supplement store. You: “I want whey protein.” Them: “You also need: Pre-workout - ₹2k BCAA - ₹2k Fat burner - ₹2k Multivitamin - ₹1.5k” The Indian supplement industry is a legal scam. Here’s what you ACTUALLY need: 1.Whey protein. Not because it’s magic. Because most Indians eat 40g protein when their body needs 100g. Whey fills the gap. That’s it. Food in powder form. 2.Creatine. Most researched supplement on the planet. Improves strength. Improves recovery. Costs a fraction of what that fat burner costs. But nobody pushes it because it’s boring and it works. 3.Vitamin D. 70-100% of Indians are deficient. You’re indoors 12 hours a day. Your body is running on empty. One blood test will confirm it. 4. Fish oil / Omega 3. Most Indians don’t eat enough fatty fish. Good for your heart. Joints. Brain. Simple. Cheap. No flashy label needed. That’s it. 4 things. Now here’s what you DON’T need: 1. BCAA - if you’re eating enough protein, BCAAs are useless. Your whey already has them. You’re paying twice for the same thing. 2. Fat burner - no pill burns fat. None. If it did, nobody would be overweight. You’re paying ₹2,000 for a placebo with a six-pack on the label. 3. Testosterone booster - ashwagandha mixed with filler. Get your levels tested first. If they’re actually low, no supplement is fixing it. You need a doctor, not a tub. 4. Pre-workout - it’s caffeine in a fancy tub. Have a black coffee. Get your blood work done first. Then decide what your body needs.
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