Personal finance answer: take all free money you can. Paying off your debts depends on the interest rates; generally car and student loan debt are not high enough interest to make sense vs investing but you’d need to tell us the rates to provide advice. 

Everything else is relationship stuff, but feeling guilty is not likely what your family wants from you.

Not leaving the company if they don’t increase salary or provide a blueprint for promotion when you are putting in the work. You have to promote yourself

Data center demand is through the stratosphere. The fact that they missed on data center revenue is a huge red flag I think.

Reddit is not a healthy place to be for anything other than funny pictures, memes, and product reviews.

There's been doom-posting on that subreddit for years as well. Search "doom" in their subreddit, and it'll look eerily like ours.

There's doom posting *everywhere*. It's the nature of the internet. The happy people usually don't go to places like this or the accounting subreddit to talk about how great it is.

If you’re in a SWE/devops role it’ll be a big deal. Lots of shops these days require their devs to both create and deploy and manage their products and services so this is fairly common.

That said, does anyone really “know k8s”? Everything I’ve seen is that it’s a complicated mess.

Neglecting developing "soft" skills. Reddit loves "I'm not at work to make friends," rhetoric. And while you definitely don't have to develop actual friendships with coworkers, you typically do need decent communication skills and rapport with colleagues to advance. 


No one wants to work with or for someone who is unpleasant to be around or who had poor communication skills. People also tend to not be great at assessing their own soft skills. This is something to request specific feedback about from others. Also, matching other people's energy (while responding to negativity with short, empathic statements instead of being negative with them) is also a helpful hack.

Say to them, "Thank you so much."  
Then, do some research on how to handle a windfall within the confines of the vehicle in which it was provided.  
Finally, demonstrate to them how much you appreciate the gift by being a good steward of the money and not blowing it.  
Your goal is to prove to them that they did not make a mistake when they gave it to you.  

Now, about your feelings. You've been given a possible life changing amount of money by someone who loves you. That's it. Hug your partner and move on

The wellness sessions and how to avoid burnout sessions scheduled for lunch time….

It tends to be easier to find lower income positions, so you are less likely to be "trapped" when you already earn less.

At that point, you can more easily jump somewhere else.

I find having the basic skills to navigate it very useful for understanding what’s going on with the infrastructure. I’ve never really had anyone ask about it for a non-DevOps position though. We don’t ask devs anything about it in interviews.

I feared lay offs every year - when I realized I had enough money that I could just not get another job (at about 52), it was such a mental load removed. 

I’m also in tech and I’ve noticed that we never seem to interview anyone over 35 or so, even for more senior positions and I have many former colleagues who were laid off after 45 who could not find a job in the same field. I’d say the age discrimination starts lower than 50 these days, especially in tech - there’s such an inaccurate perception that GenX is not as tech savvy as later generations.

For me, once I realized I could live ok without a job, I could serious about planning to get out and I set a date, started dominos falling (built up brokerage account, rebalanced portfolio, researched healthcare options, etc. - last step is selling our house and moving, which we are working on now).

If the job needs Kubernetes, then it's important.

I've been an SWE for 25 years, in many different roles, and never used it.

I'm hoping I get laid off instead of retiring so I get the severance haha

Same type of people who are now putting healthcare/medical school & trades on a golden pedestal.

I'm not in exactly the same place but I'm a physician and the general trend in medicine has been reduced pay and autonomy with increased production pressure because of consolidation of practices within large hospital systems and private equity, combined with increased insurance hurdles so I am just practicing how I want while saving my money and building an off-ramp in the event things get bad enough the point that it is no longer worth it.

yeah this is the part no one talks about. networking is cool until you realize no one tells you where the buyers actually are or what they even want. it’s just vague advice passed around

the only real way i’ve seen that works is starting from product category and working backwards through actual trade data. see who’s importing what where and how often. skip the guessing. once you got that you’re not just blasting cold emails you’re aiming at real demand

some folks use import tracking platforms for that. doesn’t matter which one really. just pick something that shows real buyer activity and stick with it

Pick up the phone and cold call, never complain and be thankful for what you have. Send an email if you can't reach them by phone. That's it. Scientists call this Sales.

Congrats! How much have you been adding to your stack per month, if I may ask?

Most of my friends are not in CS and they are having an awful time getting new jobs. This is a thing in every white collar industry right now. I’ve also heard even typical trades are getting saturated with big waitlists to go into trade school

Awesome work!

It’s amazing how it starts to explode!  

I don’t think it’s weird to think $1mln in a 401k isn’t wealthy.

That amount will “only” support $40k in withdrawls annually, and you’ll have to pay income tax on it, most people’s social security will be $25-35k a year and many your age don’t have pensions.  Financially it’s a very secure position no doubt.

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\*\*EDIT\*\* Hey guys, I'm tapping out for now.

Just wanted to say a huge thank you for the questions, DMs, and all the kind words. Yesterday was a rough one. I took a big L in business and this thread genuinely helped shift my mindset. Hearing about your dreams, your current businesses, and what you're building was energizing. You all reminded me why I love this stuff.

I’m not sure what I’m allowed to link here, but if you want to stay in touch, I’m on Instagram and Facebook daily sharing the day to day life of entrepreneurship. You can also reach out through my website if you’ve got questions or want to connect via email. I’ll do my best to stay involved in this community and check my DMs. It’s honestly one of the most inspiring I’ve come across.

Im not a coach and right now I don’t have the bandwidth to mentor 1:1, but I’ll always try to help however I can. I’m rooting for every one of you. Keep building. Keep showing up. And thank you again. This was a blast. 

Ten years ago, I walked away from a stable career as an attorney. My wife and I packed up our two small kids and moved to Detroit so I could start a pest control company from scratch.

Today, that company, Proof Pest Control, is valued at nearly $100 million.

It wasn’t flashy. It wasn’t easy. And it definitely wasn’t instant.

I’m Allan Draper, a a serial entrepreneur, investor, and the author of Pack Your Lunch, a book about the short-term sacrifices it takes to build lasting businesses and real wealth. I’m also the host of The Business Growth Pod, soon to be rebranded as *The Allan Draper Show*, where I interview founders and share strategies to scale without losing your mind (or your values).

I've launched multiple businesses in different industries ranging from home services to SaaS. Some have taken off, others have flopped. But everything I've built has been grounded in one thing: discipline over hype.

With all that being said. If you’re:

* Burnt out and second-guessing your journey
* Trying to start a business or scale without outside funding
* Struggling with leadership or systems
* Building a business from the ground up
* Or just wondering if the sacrifice is worth it...

AMA. I am ready to give it to you straight. I am not here to get more followers, I am not here to sell anything. I feel my purpose in life is to help others break free from the matrix and buy back their time.

10 years ago I gave up my job as an attorney to move my young family to Detroit and start a pest control company from scratch that is now worth 100M. I'm Allan Draper. AMA

No joke. I’m working with a client in the industrial/manufacturing space. They’ve got an amazing product, a crazy talented engineering team and they're making like $80M+ a year but their entire marketing approach feels like it’s stuck in 2004.

Their idea of a strategy? Let’s update the catalog and maybe print some new brochures.

I checked their website and it literally still has Welcome to our homepage on it. I didn’t even know people still did that. They don’t do SEO. No email funnels. Zero real content. When I suggested posting helpful guides or doing LinkedIn content, the CEO legit asked if people still read blogs.

Like how are these companies thriving with no real marketing? Is it just legacy momentum? Killer sales team? Or is there some secret formula I’m missing?

Has anyone here actually helped a traditional B2B company modernize their marketing? What actually worked?



The company is worth $80M. The website says, Welcome to our homepage

My grandparents are in their 80s. My grandpa has dementia and it’s been wearing on my grandma who is dealing with everything largely herself and has refused help (until recently). They have been literal saints and have helped everyone in their lives - family or not. Everyone had lived with them at one point or another and now currently they have had my aunt living with them. She’s had a troubled past with drugs and drinking but has seemed to be ok over the last couple of years and has been helping with my grandparents - cleaning and running errands etc. I noticed recently that their cable bill was delinquent and paid it for them. (it’s tied to my online account)I immediately called my grandma and found out she’s been having this aunt handle the bills. I asked my dad to look into everything because I just don’t trust this woman and come to find out she (my aunt) has drained their bank account which used to have a roughly $10k balance to zero and my grandmas two credit cards which she never uses now have outstanding balances totaling nearly $28k combined. My grandma nearly had a breakdown when she found out. She’s got my grandpa to deal with, she’s helped everyone her whole life and doesn’t deserve this. Anyone experience anything like this or have any suggestion?

Grandparents taken advantage of by own daughter

**TL;DR:** Burned through $47k building an AI tool that 12 people use. Here's what the "AI gold rush" really looks like from the trenches, and why most AI startups are just expensive tech demos.

# The Setup (AKA How I Got Caught Up in the Hype)

18 months ago, I was a perfectly happy software consultant making decent money. Then ChatGPT happened, and suddenly everyone was an "AI entrepreneur." My LinkedIn feed was nothing but:

* "I built an AI that does X in 10 minutes!"
* "Our AI startup just raised $2M!"
* "$10k MRR with AI tools!"

I got FOMO and thought, "How hard can it be?"

**Spoiler alert:** Very hard.

# The Idea (That Seemed Brilliant at 2 AM)

I decided to build an AI-powered content creation tool for small businesses. The pitch was simple: "Input your business details, get professional marketing copy in seconds."

Why this seemed genius:

* Small businesses suck at copywriting
* They don't want to hire expensive agencies
* AI can write decent copy
* Subscription model = recurring revenue

I spent weeks validating this idea by asking friends, "Would you pay for this?" Everyone said yes.

**First mistake:** Asking people what they'd pay for instead of asking them to actually pay for it.

# The Build (18 Months of "Almost Done")

**Months 1-3: The MVP That Wasn't Minimum** I started building what I thought was an MVP. Ended up with:

* Custom AI training pipeline
* Beautiful UI with 47 different templates
* User authentication system
* Payment processing
* Admin dashboard
* Analytics suite

Cost so far: $12k (mostly my own development time valued at $100/hour)

**Months 4-8: Feature Creep Hell** Beta users started asking for features:

* "Can it write in different tones?"
* "What about social media posts?"
* "Can it integrate with WordPress?"
* "What about email templates?"

I said yes to everything. Each feature took 2-3x longer than expected.

Cost so far: $28k

**Months 9-12: The Technical Debt Tsunami** Nothing worked together properly. The codebase was a nightmare. I spent 4 months just refactoring and fixing bugs.

Cost so far: $39k

**Months 13-18: Desperation Marketing** Launched on Product Hunt (ranked #47 for the day). Posted in Facebook groups. Cold emailed 500 small business owners. Tried Reddit ads, Google ads, LinkedIn outreach.

Total additional marketing spend: $8k Total users acquired: 73 Paying customers: 12

**Final tally: $47k spent, $340 revenue.**

# What I Got Wrong (Pretty Much Everything)

# 1. I Built a Solution Looking for a Problem

Small businesses don't actually want AI copywriting tools. They want customers. Big difference.

When I actually talked to my target market (should've done this first), here's what I learned:

* They're too busy to learn new tools
* They don't trust AI for their brand voice
* They'd rather hire their neighbor's kid for $50

# 2. I Competed with ChatGPT

Why would someone pay me $29/month when ChatGPT Plus is $20/month and does way more?

My value proposition was "it's easier than ChatGPT."

Reality: It wasn't. And even if it was 10% easier, that's not worth paying 45% more.

# 3. I Underestimated Sales & Marketing

I'm a developer. I thought "build it and they will come" was a real strategy.

Breakdown of my 18 months:

* Building: 14 months
* Marketing/Sales: 4 months

Should have been:

* Building: 4 months
* Marketing/Sales: 14 months

# 4. I Ignored Unit Economics Until Too Late

My customer acquisition cost: $650 per customer ($8k marketing spend ÷ 12 customers) My average revenue per customer: $28 (most churned after 1 month)

Even a business school dropout could see this math doesn't work.

# 5. I Built for Myself, Not Customers

I made assumptions about what small businesses wanted based on what I thought they should want.

Turns out, they just want more sales. They don't care how beautiful your UI is.

# The Real AI Business Landscape (It's Not Pretty)

After networking with other "AI entrepreneurs" for 18 months, here's what I've observed:

# Tier 1: The Actually Successful Ones (5%)

* Had domain expertise BEFORE AI
* Solved real problems for specific industries
* Focused on B2B with enterprise budgets
* Examples: AI for radiology, legal document review, financial compliance

# Tier 2: The Lifestyle Businesses (15%)

* Simple wrappers around OpenAI API
* Serve very specific niches
* Make $5k-20k/month
* Examples: AI email responder for dentists, AI job description generator

# Tier 3: The Strugglers (30%)

* Built cool tech demos
* Can't find paying customers
* Burning through savings/investor money
* This is where I lived

# Tier 4: The Delusional (50%)

* Think they're going to replace Google
* Have raised money based on PowerPoint slides
* Will be out of business within 2 years

# What Actually Works in AI Business

After talking to the successful Tier 1 and Tier 2 folks, here are the patterns:

# 1. Pick Boring Industries

The sexiest AI companies get all the attention and funding. But plumbing contractors also need software, and there's way less competition.

# 2. Charge Enterprise Prices

If you're saving a company 40 hours/week, charge them for 40 hours/week. Don't charge $29/month because that's what consumer apps cost.

# 3. Focus on Compliance/Risk Reduction

Companies will pay stupid money to avoid getting sued or fined. AI that helps with compliance is worth 10x more than AI that "increases productivity."

# 4. Become the Expert First

Learn an industry for 2-3 years BEFORE building AI for it. The AI part is easy. Understanding the problem is hard.

# My Pivot Strategy (What I'm Doing Now)

I'm not giving up on entrepreneurship, but I'm definitely giving up on AI for now.

**New approach:**

1. Pick an industry where I have connections (web development agencies)
2. Identify a specific, expensive problem ($10k+ problem)
3. Build the simplest possible solution (no AI needed)
4. Charge properly ($500-2000/month, not $29/month)
5. Get 10 paying customers before building anything fancy

**The business:** Project management tool specifically for web dev agencies that integrates with their existing stack and automates client reporting.

No AI. No fancy features. Just solving one expensive problem really well.

# Hard Truths About the AI Gold Rush

# Truth 1: Most AI Startups Are Just Expensive Consultants

If your business model is "AI does the work faster," you're selling labor arbitrage, not technology. That's a consulting business with extra steps.

# Truth 2: OpenAI/Google Will Eat Your Lunch

If your competitive advantage is "we fine-tuned GPT for X," you don't have a competitive advantage. You have a 6-month head start, max.

# Truth 3: Customers Don't Care About Your Technology

They care about outcomes. "AI-powered" is not a benefit. "Saves you 10 hours per week" is a benefit.

# Truth 4: The Technical Barriers Are Lower Than Ever

Building AI products is easier than it's ever been. Which means everyone's doing it. Which means you need actual business advantages, not just technical ones.

# What I Wish Someone Had Told Me

1. **Start with the market, not the technology.** Find people with expensive problems first. Then figure out how to solve them.
2. **B2B > B2C for AI.** Businesses have money and understand ROI. Consumers just want free stuff.
3. **Niche down relentlessly.** "AI for small businesses" is not a niche. "AI for orthodontist appointment scheduling" is a niche.
4. **Test with money, not words.** Don't ask if people would pay. Ask them to pay.
5. **Budget 3x longer than you think.** Everything in AI takes longer because the technology is still figuring itself out.

# The Question Everyone's Asking

"Should I still start an AI business?"

**My answer:** Only if you have deep domain expertise in a specific industry, access to that industry's decision-makers, and a problem that costs companies $100k+ per year.

If your plan is "build cool AI thing, figure out customers later," just save yourself the time and money. Buy index funds instead.

# Final Thoughts

I don't regret this experience. I learned more about business in 18 months than I did in 5 years of consulting. But I definitely could have learned it for a lot less than $47k.

The AI opportunity is real, but it's not what the Twitter influencers are selling you. It's not about building the next ChatGPT wrapper. It's about understanding specific industries so well that you can apply AI to solve their most expensive problems.

Most of us (myself included) jumped on AI because the technology was exciting. But technology doesn't build businesses. Understanding customer problems builds businesses.

The gold rush mentality is exactly what's wrong with entrepreneurship right now. Everyone's looking for the quick win, the magic bullet, the secret hack.

There isn't one. There's just doing the boring work of understanding customers and solving their problems.



I spent $47k and 18 months building an "AI startup." Here's the brutal truth about why 90% of AI businesses are doomed.

I was a meh student, solid GPA but definitely cut corners, I didn’t really specialize much in my CS and instead got a business minor as a fallback. 

It’s been over a year of applying, I’ve gotten maybe a half dozen interviews, one as a software tester I was the runner up but unfortunately didn’t get it. I’ve kinda accepted I currently don’t have the skills for software development, but in my area even things like IT help desk, QA, and analyst roles are scarce and competitive.

I’m at the point where I have to consider something like a sales or management trainee role for new grads. What I want to ask is, if I take a job that does not involve CS for now, will my degree not really mean anything after time passes because the curriculum might become outdated? If I have a CS degree but start out in a non tech role, how difficult will it be to swap to a tech role later down the line?

If I can’t get a tech job a year after graduating will my CS degree eventually become pointless?

This is investing 101, but I find I take this effect for granted even though it is large and hyperbolic. So here is the graph of it.

X axis is the loss %, and Y axis is the gain % needed to recoup, both expressed as percentage points divided by 100. So a 50% loss needs a 100% gain to recoup, and is represented by <0.5, 1.0> on the graph.

[https://www.desmos.com/calculator/10kc5cb3on](https://www.desmos.com/calculator/10kc5cb3on)

This formula is also called the Keynesian Multiplier and is used in many other applications for summing an infinite geometric series.

To offset a 5% loss, you need a 5.3% gain. Here is the graph of that effect.

It’s not in the handbook but it shapes everything like how speaking up too often can backfire or how being too good at your job means you’ll never get promoted.

What silent rules shape careers more than actual job performance?

What’s the unspoken rule at work that no one warns you about ?

Sure, let me come up with a cool, innovative idea that isn't another task board or social networking site and develop an entire front end, back end API, and database all by myself. Then let me deploy it all by myself so people can actually see it and (not) use it. Then let me do all that, normally the work of an entire dev team, all by myself again two or three more times. Seems like a valid barrier for entry.

"Making projects" seems like a ridiculous requirement to get hired.

Yeah buddy, maybe you shouldn’t spam randoms on LinkedIn. I had a recruiter reach out and then say “oh, they’re looking for someone closer to the 5 year mark regarding experience”. I’m at 3.

I like when recruiters reach out, you schedule a call, and then they realize you’re not a fit for the role.

It was a $25 bond ($50 face) that ended up coming out to $60 and some change. It was purchased in 1998 so just shy of being 28 years old. I'm wondering how much I would've lost by not letting it reach 30 years. I imagine, since it accumulated about $35 and change in interest, would it have been like an even $40, making it worth a total value of $65? That seems to make the most sense to  me, unless it gains significantly more interest the last 2 years or jumps up once it hits 30 years. I needed the cash now and I'm hoping I'll be better off in 2028 than I am now so I wouldn't care/need it as much but I'm still curious on how much it probably would've been worth.

Cashed a $25 ($50 face value) bond after 28 years

I asked 455 people if they've ever stayed in a job they disliked, specifically to keep their benefits, equity, or visa.

Turns out the higher your income, the more likely you are to be trapped in a job you hate.

People making over $150,000/year Were more likely to stay in a job they despise.

So, is it worth it? 



The higher your income, the more likely you are to be trapped in a job you hate (455 Respondent Survey)

It’s not always big mistakes it’s the small things. Avoiding feedback. Staying silent in meetings. Never asking for growth opportunities.

What habits slowly hold people back without them even noticing?

What’s one habit that quietly kills career progress over time ?

AMD reported earrings yesterday - here’s the recap.

	•	Revenue Beat: Q2 revenue hit $7.7B (+32% YoY), beating estimates of $7.4B, driven by strong client and gaming segments.

	•	EPS In Line: Adjusted EPS was $0.48, broadly in line with expectations, though margins compressed due to a $800M China-related export charge.

	•	Data Center Miss: Data center revenue rose 14% YoY to $3.2B, slightly below expectations ($3.3B), impacted by MI308 sales restrictions.

	•	Strong Q3 Guidance: AMD guided Q3 revenue to $8.7B, above consensus ($8.28B), led by AI chip ramp (MI350) and client/gaming strength.

Stock is down 8% today but I believe the market has wildly overreacted on the data center miss and the quarter over quarter decline.

Not going to get into the details and my thesis today, but beneath all the noise yesterday was this gem.

The release of ROCm 7.0 - AMD’s answer to Nvidia’s moat that is CUDA.

AMD is positioning itself to reap the benefits of the inference computing cost being the majority of where capex will be spent in the future on AI.

Think of Nvidia as providing the supercomputers for generating the weather models, but AMD wants to be the iPhone that just shows the weather app.

A bit of tangent but getting back to ROCm 7.0 - it’s 3.5x more powerful than its prior version.  That’s a significant leap forward and shows that AMD will be gaining traction with hyperscalers like META.

It’s not a matter of if, but when. That’s why I am doubling my AMD position today at these discounted prices.



AMD Q2 Earnings was a headfake and why it’s trading at a discount now.

feel like every time i ask how to grow b2b or get into export the advice is the same recycled stuff. go network. try linkedin. hit up alibaba. maybe find a trade show. cool. now what

like how am i supposed to know who’s actually buying what. where they are. what they even need. it’s like shouting into a dark room hoping someone yells back

most of the directories out there are garbage. old listings. weird contacts. or you need a whole team just to figure out if one lead is even real and cold outreach. man. if you don’t have real trade data you’re just spamming inboxes and praying someone replies. feels like throwing darts blindfolded

so yeah. just wondering if anyone here’s got a smarter way. not some overpriced course or fake list. just an actual method that works. even half works or maybe we’re all just guessing and hoping for the best lol



The truth is nobody actually teaches you how to find buyers. They just tell you to network and disappear

The constant urgency the late night emails the fake positivity during burnout the way people celebrate surviving instead of questioning why it’s that hard in the first place.

What’s a red flag at work that people keep mistaking for company culture?

(Previously posted on r/advice and was suggested to re-post here for more specific financial advice)

Hello, I (24M) and my wife (24F) just had our first son via C-Section a few days ago. Once she was discharged and we got settled in a family member invited me to lunch and informed me that he and his wife had decided to gift us a very large sum of money (10s of thousands) in the form of an investment portfolio donated via gift tax exclusion over the next several years. I am not someone who is usually comfortable taking money from others even when offered or gifted. I attempted to refuse, but he wasn't taking no for an answer.

My wife and I do not make much money, but live comfortably. We have very little debt just a 3-4 thousand in student debt and car loans. I work full time in a very high stress and technical job making roughly 50k a year. My wife quit her job 2 months ago to stay at home full time with our son. We have a decent living situation renting a very small apartment in a fairly low cost of living state. With my income we are able to afford all our necessities, put back some for retirement and misc. savings, and a few small luxuries on rare occasion (going out for dinner, seeing a movie, ect.).

I know I shouldn't, but I feel guilty accepting this money. The family members in question have already done so much for me in my life I could never even begin to repay them. I have already spoken with my wife about it, and seeing as we can't refuse the money. We are thinking we should continue living/spending as if this money does not exist. Just letting the portfolio grow and start making deposits into the account if and when we can afford to.

I guess my question for you all is how should we move forward to show our appreciation and make the most of this gift? Any ideas for investment vehicles, should we pay off the remainder of our debts, or just keep paying them as we are now, look into purchasing a home as a store of value, ect.

Any advice you can provide is greatly appreciated.

Young Married Couple With a Newborn Feeling Unsure and Guilty Having Just Received an Extremely Generous Financial Gift

The job market has deteriorated so much in the last few years and approaching 50 and age discrimination territory with AI and outsourcing on the horizon, I'm rapidly realizing my skill set is becoming obsolete and comparable jobs won't pay anywhere near what I am making.  

Pretty much I'm going to work until I'm laid off and that will be that.  Whatever the numbers are I will adjust my lifestyle and make it work.  Interestingly enough this brings me a certain peace as the decision is totally out of my hands.  

Forced to FIRE because of layoffs?

Kubernetes, and all the cloud native products

How important is knowing kubernetes in today's job market?

Been 15 ish years since I was casually saving in the ol retirement account and hit 100k. I remember seeing the first time I had 6 figures, was exciting!

This week my current company swapped plans and the I linked my other accounts and for the first time saw my cash accounts at 1,010,000. Holy hell I was just a few months ago trying to justify having 1M NW with house equity and cars lol. 

Now I'm solidly over the hump with 100k plus in equity plus the cash accounts. 

No one really knows but me. But it feels good and I finally see some light at the end of the race. I'm 48 and planning to be done at 55.

Weird... Thought I would feel wealthy as a millionaire but alas I don't and guess that's probably a good thing lol. Funny my biggest fear now is the world turning upside down and all of it for naught....

Anyway congrats to me and best wishes to all of you one your journeys!

Happy post - I hit 1M

[https://www.reddit.com/r/Accounting/comments/1mjah40/its\_actually\_happening\_vast\_majority\_of\_the/](https://www.reddit.com/r/Accounting/comments/1mjah40/its_actually_happening_vast_majority_of_the/)

Go Into Accounting They Said.......

Here is a loosey that explores how economic hitmen help build up nations like the US and China while destroying the rest of the world. Our main source for this episode was the 3rd Edition of Confessions of An Economic Hitman, by Jim Perkins. Check out our subreddit! https://www.reddit.com/r/profiteersvsthepeople/Email us: Profitvspeeps@gmail.comLike comment and subscribe!

Here is a loosey that explores how economic hitmen help build up nations like the US and China while destroying the rest of the world. Our main source for this episode was the 3rd Edition of Confessions of An Economic Hitman, by Jim Perkins. Check out our subreddit! https://www.reddit.com/r/profiteersvsthepeople/Email us: Profitvspeeps&#64;gmail.comLike comment and subscribe!

Loosey: Economic Hitmen and Why So Many Countries Hate the US

Sometimes it happens! Quint and Allie talk about when you have to tap your emergency fund.

Using the Emergency Fund

The U.S. dollar is dying a slow death… and most people have no idea. In this episode, Robert Kiyosaki sits down with legendary investor Rick Rule to reveal how fiat money is being devalued, why inflation is stealing your wealth, and why gold and silver are not just investments—they’re financial survival tools. Rick shares personal stories of buying gold behind enemy lines and explains why the real threat isn’t a market crash… it’s a currency crisis. We break down how government debt, endless money printing, and manipulated interest rates are setting up the biggest financial reset in history. If you’re still saving cash in the bank, this is your wake-up call. You need to understand real assets—gold, silver, and hard money that can protect your purchasing power when fiat currencies fail. ----- Silver is up 29%, and we believe it’s just getting started.  📘 Claim your FREE 2025 Silver Guide: https://ef.prioritygoldpartners-17.com/58GQMR/FR8WTM/?sub2=0723&sub3=YT 📱Or text SILVER to 24999 (U.S. residents only.)  Learn why we believe silver could hit $70+ this year, and how to buy smart.  ----- Disclaimer: The information provided in this episode is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity.  The content presented here is based on the speaker's personal opinions and research, which may not always be accurate or up-to-date. Financial markets and investments carry inherent risks, and individuals should conduct their own research and seek professional advice before making any financial decisions.

The U.S. dollar is dying a slow death… and most people have no idea. In this episode, Robert Kiyosaki sits down with legendary investor Rick Rule to reveal how fiat money is being devalued, why inflation is stealing your wealth, and why gold and silver are not just investments—they’re financial survival tools. Rick shares personal stories of buying gold behind enemy lines and explains why the real threat isn’t a market crash… it’s a currency crisis. We break down how government debt, endless money printing, and manipulated interest rates are setting up the biggest financial reset in history. If you’re still saving cash in the bank, this is your wake-up call. You need to understand real assets—gold, silver, and hard money that can protect your purchasing power when fiat currencies fail. ----- Silver is up 29%, and we believe it’s just getting started. &#x1f4d8; Claim your FREE 2025 Silver Guide: https://ef.prioritygoldpartners-17.com/58GQMR/FR8WTM/?sub2&#61;0723&amp;sub3&#61;YT &#x1f4f1;Or text SILVER to 24999 (U.S. residents only.) Learn why we believe silver could hit $70&#43; this year, and how to buy smart. ----- Disclaimer: The information provided in this episode is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity. The content presented here is based on the speaker&#39;s personal opinions and research, which may not always be accurate or up-to-date. Financial markets and investments carry inherent risks, and individuals should conduct their own research and seek professional advice before making any financial decisions.

The Greatest Wealth Transfer Is Happening — Gold & Silver Will Explode

#882 If you're not paying attention to how YouTube is changing, you should be! Today, I'll share the three algorithm triggers that can make all the difference for your brand in 2025. Many creators aren't taking advantage of these recent updates, so this is your chance to stand out! I’ve built three successful YouTube channels, so these strategies are tried and true. I'll walk you through attracting more return viewers, balancing niche and broad content to go viral while creating a loyal audience, leveraging video series and live streams, and more! This episode is not about basics like optimizing your titles and thumbnails, although I also share some key tricks that can help with that. You see, much of what used to work on YouTube won't move the needle for you nowadays. In fact, some old-school tactics might be doing more harm than good. So tune in for my top dos and don'ts right now! Show notes and more at SmartPassiveIncome.com/session882.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

#882 If you&#39;re not paying attention to how YouTube is changing, you should be! Today, I&#39;ll share the three algorithm triggers that can make all the difference for your brand in 2025. Many creators aren&#39;t taking advantage of these recent updates, so this is your chance to stand out! I’ve built three successful YouTube channels, so these strategies are tried and true. I&#39;ll walk you through attracting more return viewers, balancing niche and broad content to go viral while creating a loyal audience, leveraging video series and live streams, and more! This episode is not about basics like optimizing your titles and thumbnails, although I also share some key tricks that can help with that. You see, much of what used to work on YouTube won&#39;t move the needle for you nowadays. In fact, some old-school tactics might be doing more harm than good. So tune in for my top dos and don&#39;ts right now! Show notes and more at <a href="https://www.smartpassiveincome.com/session882" rel="nofollow">SmartPassiveIncome.com/session882</a>.See Privacy Policy at <a href="https://art19.com/privacy" rel="nofollow">https://art19.com/privacy</a> and California Privacy Notice at <a href="https://art19.com/privacy#do-not-sell-my-info" rel="nofollow">https://art19.com/privacy#do-not-sell-my-info</a>.

SPI 882: What's Working on YouTube Right Now

⁠⁠⁠⁠Six figures used to mean you’d “made it.” But in 2025, many Americans feel like $100K just doesn’t go as far. We break down national survey data on what people think it takes to feel financially secure and “rich,” explore the dangerous mindset of lifestyle creep, and reveal the real formula for building wealth - regardless of your income. Then we answer your financial questions on retirement withdrawal strategies, emergency fund planning, 529 overfunding, and Roth account decisions.  Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠NordVPN.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

<a href="https://bit.ly/3mB2p69" rel="nofollow">⁠⁠⁠⁠</a>Six figures used to mean you’d “made it.” But in 2025, many Americans feel like $100K just doesn’t go as far. We break down national survey data on what people think it takes to feel financially secure and “rich,” explore the dangerous mindset of lifestyle creep, and reveal the real formula for building wealth - regardless of your income. Then we answer your financial questions on retirement withdrawal strategies, emergency fund planning, 529 overfunding, and Roth account decisions. <a href="https://bit.ly/3mB2p69" rel="nofollow">Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> <a href="https://bit.ly/3mxuhIt" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> <a href="https://bit.ly/2Y4TqQJ" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> <a href="https://bit.ly/3gxyUOH" rel="nofollow">⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> ⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠NordVPN.com/MONEYGUY Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices" rel="nofollow">megaphone.fm/adchoices</a>

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