Dan Scher

[NOBUNAGA🇯🇵🏯_夏樹蒼依 @japan_nobunaga]

I needed to move a sofa.

I mentioned this to an American. He said, "You know anybody with a truck?"

I did not know anybody with a truck.

He looked at me with real concern. Not pity. Concern. The way you look at a man who has told you he does not have a name.

"You gotta know somebody with a truck."

I asked how one acquires such a person.

He said, "You just do."

This is the third time I have received that answer in this country. It is the answer to everything here. You just do. There is no process. There is only the eventual fact of having.

He said, "Ask Kevin."

I do not know a Kevin. He said Kevin like I should. He said it the way you say a shared uncle.

I met Kevin four days later. Kevin owns a truck. Kevin does not own a truck for himself. Nobody owns a truck for themselves. Kevin owns a truck for a fifteen mile radius.

Inside I said: THIS MAN HAS TAKEN A VOW. HE DID NOT ANNOUNCE IT. HE SIMPLY PURCHASED A BED AND ACCEPTED THE CONSEQUENCES.

Kevin arrived on Saturday. He brought the truck. He also brought a second man.

I had not asked for a second man.

The second man's name is Tony. Tony came because Kevin came. Tony did not know me. Tony did not ask what we were moving. Tony brought gloves.

They moved the sofa in eleven minutes.

I offered them money. Both of them laughed at the same time, which felt rehearsed and was not.

I asked what I owed them.

Kevin said, "Buy the pizza."

That is the price. That is the entire economy. The truck costs one pizza and the pizza is not negotiable and the pizza is also not expensive and everyone knows what size.

Inside I said: THE FEE IS FIXED ACROSS THE ENTIRE NATION AND WAS SET BY NO ONE.

We ate on the floor because the sofa was against the wall and none of us wanted to be the first to sit on it.

Tony told me his daughter plays soccer. I asked if she is good. He said, "She's aggressive."

I still think about that.

Three weeks later, Kevin texted me.

"You free Sunday? Helping Tony move a fridge."

He did not ask if I wanted to. He informed me of a fridge.

Inside I said: I HAVE BEEN CALLED UP. I DID NOT ENLIST. THE PAPERS WERE FILED ON MY BEHALF.

I went. I moved the fridge. I have no truck. I contributed only arms.

Afterward, a man I had never met asked me if I knew anybody with a truck.

I said, "Yeah, I got a guy."

I have a guy.

I am somebody's guy now, too. Tony has told two people about me.

He describes me as "the guy who's strong for his size."

I have never been prouder of a sentence in my life.

[Manifest_Lord @Manifest_Lord]

A man who studied happy people for 40 years told me the 8 things affecting your quality of life..

1. The distance between your house and your job...

[AlphaFox @alphafox]

This is why 90's kids have a low accident record:

[Travis Wilson @TravisBOUND]

Here’s an absolutely wild one from Friday night. Watertown trailed Milton 62-61 with 0.6 left. Watertown throw-in goes entire length of the court…and goes in!

Does not count though, as must be touched by a player. Milton would win 62-61. #wisbb

[Katyayani Shukla @aibytekat]

He literally explained the Black Coffee Theory and why it changes how you approach life.

[Vala Afshar @ValaAfshar]

How not to be average is a must watch speech by Curt Cignetti, Indiana University

[Mark Cecchini, CFP® @markcecchini]

COMMANDER: We’re fighting for freedom. And part of that freedom… is the freedom to retire with dignity. So we’re going to start accounts called 401(k)s.

SOLDIER 1: What’s a 401(k)?

COMMANDER: It’s a retirement account. You put money in, it grows tax-free, you take it out when you’re old.

SOLDIER 2: So I don’t pay taxes on it?

COMMANDER: Well, you pay taxes later. When you withdraw.

SOLDIER 2: So it’s not tax-free.

COMMANDER: It’s…tax-deferred.

SOLDIER 2: What’s the difference?

COMMANDER: You pay taxes later instead of now.

SOLDIER 1: What if I want to pay taxes now?

COMMANDER: Then you do a Roth 401(k).

SOLDIER 3: What’s a Roth?

COMMANDER: You pay taxes now, and it grows tax-free.

SOLDIER 2: That’s what I thought the first one was.

COMMANDER: No, the first one you pay taxes later.

SOLDIER 1: Which one’s better?

COMMANDER: Depends on your tax bracket in retirement.

SOLDIER 1: …How would I…know that?

COMMANDER: You don’t. You just guess.

⸻

SOLDIER 4: What if I don’t have a 401(k) through my employer?

COMMANDER: Then you open an IRA.

SOLDIER 4: What’s the difference?

COMMANDER: One’s through your job, one’s on your own.

SOLDIER 4: Can I have both?

COMMANDER: Yes.

SOLDIER 4: Should I?

COMMANDER: Maybe.

SOLDIER 3: Can I do a Roth IRA?

COMMANDER: Only if you make under a certain amount.

SOLDIER 3: What’s the limit?

COMMANDER: Changes every year.

SOLDIER 2: What if I make too much?

COMMANDER: Then you do a backdoor Roth by putting it in a Traditonal first.

SOLDIER 2: …Is that legal?

COMMANDER: Surprisingly, yes.

SOLDIER 1: What’s a backdoor Roth?

COMMANDER: You contribute to a traditional IRA, then convert it to a Roth…but watch out for “pro rata”.

SOLDIER 1: Why wouldn’t I just contribute to the Roth directly?

COMMANDER: Because you make too much money.

SOLDIER 1: But this way I can?

COMMANDER: Yes.

SOLDIER 1: That feels like a loophole.

COMMANDER: It is. But the IRS is cool with it.

⸻

SOLDIER 5: I just changed battalions. What do I do with my old 401(k)?

COMMANDER: You roll it over.

SOLDIER 5: Into what?

COMMANDER: An IRA. Or your new 401(k). Depends.

SOLDIER 5: On what?

COMMANDER: The funds. The fees. Whether your new plan accepts rollovers.

SOLDIER 5: What if I just take the money out?

COMMANDER: You’ll pay taxes plus a 10% penalty.

SOLDIER 5: What if I’m 59?

COMMANDER: Penalty.

SOLDIER 5: 59 and a half?

COMMANDER: No penalty.

SOLDIER 5: …The half matters?

COMMANDER: The half matters.

⸻

SOLDIER 3: What’s a mega backdoor Roth?

COMMANDER: Okay. So. Your 401(k) has a limit of how much you can contribute.

SOLDIER 3: Right.

COMMANDER: But the total limit including employer contributions is higher.

SOLDIER 3: Okay…

COMMANDER: So if your plan allows ~after-tax~ contributions, you can put in more, then convert that to Roth.

SOLDIER 3: Does my plan allow that?

COMMANDER: I don’t know. You have to ask Betsy.

SOLDIER 3: Will Betsy know?

COMMANDER: Probably not.

⸻

SOLDIER 2: Can I deduct my IRA contribution on my taxes?

COMMANDER: Are you covered by a retirement plan at work?

SOLDIER 2: Yes.

COMMANDER: Then only if you make under a certain amount per year.

SOLDIER 2: What’s the amount?

COMMANDER: Depends if you’re married.

SOLDIER 2: What if my wife has a plan but I don’t?

COMMANDER: Different limit.

SOLDIER 2: What if neither of us has a plan?

COMMANDER: Full deduction.

SOLDIER 2: So it’s better to not have a 401(k)?

COMMANDER: No…

⸻

SOLDIER 1: Can I just keep my money in a sock?

COMMANDER: You could. But inflation will slowly destroy it.

SOLDIER 1: What’s inflation?

COMMANDER: (sighs)…

[Mindset Machine  @mindsetmachine]

4 years of therapy in 1 minute

[Casual UK @CasualUK_]

When the dog usually goes for a walk with the husband and stops at the pub for a beer, then one day the missus takes him for a walk 😭

[Frank Caliendo @FrankCaliendo]

Happy Halloween! 🎃

[Marty Mush @martymush]

I don't think I can love scattebo anymore

[Roman Sheremeta 🇺🇸🇺🇦 @rshereme]

3/ Take russia.

When Putin took power in 2000, russia had elections, a constitution, and a separation of powers.

Today, those same structures exist on paper — but they mean nothing. Putin rules absolutely.

And yes, Donald Trump admires him.

[Roman Sheremeta 🇺🇸🇺🇦 @rshereme]

A sobering message from a history teacher:

I’ve spent years teaching American and international government — from strong democracies like the UK to authoritarian regimes like russia and China.

But lately, the most alarming lesson comes from home.

1/n

[Roman Sheremeta 🇺🇸🇺🇦 @rshereme]

11/ Democracy isn’t self-sustaining.

It requires us to choose it — again and again.

Not with platitudes. But with vigilance, accountability, and courage.

We still have time. But not forever.

[Matt Lisle @CoachLisle]

My favorite 82 seconds of TV the last couple of years.

Listen. Learn.
Be Curious. Not Judgmental.
#TedLasso

[G @stevensongs]

this is the TJ's i walk to once a week. it's got the worst parking lot in america.

[Community Notes & Violations @CNviolations]

This was actually funny from SNL ngl.

[Thor Nystrom @thorku]

This is awesome 😂

[Dickie Bush @dickiebush]

At 22, I was:

• 280 pounds
• Drinking 40 beers a week
• Tens of thousands in debt

My life was a mess.

But reading 7 core beliefs every morning rewired my mindset (and changed my life):

Now, before I share the list, I use these beliefs to develop ONE core character trait:

OPTIMISM

This is:

• The way I want to feel

• The way I want people to describe me

• And the energy I want my readers to feel after consuming something I’ve written

Every belief is written in a way that forces me to be excited about the future & empowered to confront it.

With this in mind, I read my list first thing every morning.

Why?

Because my brain is an “evidence seeker.”

When I prime it with a belief, I will go out of my way to find evidence to reinforce it.

The problem?

This works against most people—myself included.

At 22 years old, I’d spend all day:

• Playing the victim
• With a pessimistic attitude
• Thinking the world was conspiring against me

However, that all turned around when I started to overwrite my old beliefs with this new list:

1. Everything in this world is 100% rigged in your favor

2. Every circumstance is an opportunity for progress

3. Every outcome in your life is 100% your responsibility

4. Everything you want you must initiate yourself

5. Every person you come across has something to teach you

6. Everything is "learnable" if you can find the ideal scene

7. Every investment you make can have positive returns if you choose so

Slowly but surely, I went from a pessimist to an optimist.

From a reactive victim to a proactive world-builder.

And if you’re looking to do the same, I hope you find this list useful ✊

[Yahoo Fantasy Sports @YahooFantasy]

Kaley Cuoco's fiancé has how many fantasy teams?! 😱

(via @FallonTonight)