John Young

Dreams about movies, baseball, traveling, and mint chocolate chip ice cream.

[scott belsky @scottbelsky]

kinda genius

[John Bourscheid 🇺🇸 🚀 @bourscheid]

The difference between the Vietnam War and the Iran War is that Trump had a plan to get out of Vietnam.

[Dave Throup @DaveThroup]

Bit of context for the “we used to call it Summer” brigade.

[Miauravilhas @Miauravilhas]

"2026 vai ser meu ano"

Agosto:

[Marco Foster @MarcoFoster_]

Jon Ossoff: “There’s something uniquely despicable about lying a nation into war. Treating citizens as fools and the selfless patriots who serve as pawns. Earlier this year, they claimed there was an imminent nuclear threat after last year they told us they had obliterated that threat. Both times lies. On day 12 of this war, the president said we won. On day 14, Secretary Hegseth said Iran’s military was destroyed. Five months later, we’re still bombing, Americans are still dying, Iran still has its uranium, the Strait of Hormuz is still closed. I challenge anyone to defend this. A war built on lies told by a White House that is utterly absent any figures of integrity to dissuade this president from his delusions”

[最多情報局 @tyomateee]

猫がミルクを飲む音から曲を作るインターネットの人々、想像以上に完成度が高い。

[Andrew Weinstein @Weinsteinlaw]

The chilling thing about the Trump administration falsely accusing David Hearn is what it reveals: they have no hesitation targeting ordinary American citizens when it serves their agenda. It’s the same playbook they used with Alex Pretti, Renee Good, and countless others. The pattern is unmistakable. When the truth becomes inconvenient, they pick a citizen, invent a villain, and count on the wreckage to advance their interests. This is an administration willing to inflict real harm on ordinary people to protect its own power.

[Ron Filipkowski @RonFilipkowski]

So many sneering elitist journalists with snarky posts over the past months that the Reflecting Pool story was trivial. It was so trivial that the DC US Attny presented false evidence to a grand jury to indict an innocent man to please the President while they both lied about it.

[Batu @yetkisizherif]

bugün internette izleyeceğiniz en iyi video olabilir

[cнєєкυ⋆｡🪐˚ ⋆ @Okay_Bye___]

Me refusing to sleep because i didn't get enough me time after work

[Ramit Sethi @ramit]

27 simple (and surprising) lessons for living a Rich Life

1. Stop agonizing about the amount you spend on coffee. Focus on the $30,000 questions, not the $30 questions — things like your savings rate, investment rate, debt payoff plan, and housing costs.

2. I can fix a lot of problems with money, but I can't fix cheap. If your friends or family have ever joked about you being cheap — even though you prefer "I'm selective" — good luck.

3. The way you feel about money is highly uncorrelated with the amount in your bank account. If you believe that when you have $50K or $500K more, you'll finally feel better about money, you won't.

4. Quick back-of-the-napkin rules I use:
- True price of a hotel: Take the price and add 50%, which covers tax + tips + incidentals.
- True price of housing: I personally add 50% to a mortgage to account for Phantom Costs (transaction fees/maintenance), though most people will pay less — I'd use 30% for most. Definitely run a calculation for this one.
- How much to spend on housing: Total housing cost should be less than 28% of gross income, though these days you'll likely stretch to 32% or even 34%. Higher than that, you're in financial risk.
- Car payment: 2.5x the payment for true out-of-pocket cost. It might even be more — my $350/month car payment was over $1,000/month once I factored in everything — but 2.5x is the sweet spot.
- Home renovations: Take your first budget and double it — and grizzled renovators say even that's light.
- Eating out: Triple it. Couples tell me they eat out 5x/week; the real answer is 15x (breakfast, lunch, dinner, coffee, everything).

5. If you're paying your financial advisor 1% in fees, you'll pay approximately 28% of lifetime returns in fees. Most people can manage their own money, but if you need help, get an advisor — just never pay a percentage-based (AUM) fee.

6. Renting can be a better financial decision than buying. Sometimes buying wins. You must run the numbers, starting with a buy-vs-rent calculation. I've made much more money renting for 20+ years — and lived in better places with almost zero maintenance. RUN THE NUMBERS.

7. What's your Rich Life? You should be able to answer with incredibly specific answers. "Financial freedom" is just words. "So I can do what I want, when I want" is embarrassingly vague. In my early 20s, my Rich Life was taking a taxi in the August NYC heat so I didn't have to sweat before a meeting. Then it was affording appetizers (because as a kid, we couldn't). THAT is specific.

8. You cannot live a Rich Life if you hate spending money. Learn to feel JOY spending, tipping generously, and paying your taxes. As Dan Kennedy says, "Why pay less when I can pay more?" (For the important things in life.)

9. There's a limit to how much you can cut, but no limit to how much you can earn. Learn to negotiate your salary (a single negotiation in your 20s, properly invested, can be worth hundreds of thousands). Start a side business. Yes, even for public school teachers.

10. Yes, you can get paid more. Earning is a skill. Whenever I post salaries, a LOT of people refuse to believe they're real. Step 1: recognize there are many highly paid jobs out there. Step 2: study those people's backgrounds (free on LinkedIn). Step 3: build similar skills (informational interviews are a great approach).

11. Increase your investment rate by 1% every December (e.g., from 6% to 7%). This single decision will be worth hundreds of thousands of dollars — more than all the coffee and vacations you ever take, combined.

12. Insurance is insurance, not an investment. If you follow someone telling you their insurance is a great way to make money, you're following a scammer.

13. Get the Big Wins right and the small stuff takes care of itself. There are about five: learn the basics of money, invest early and automatically, land a great well-paid job, secure stable housing, and invest in positive relationships. Nail those and you'll never spend 25 years agonizing over the price of coffee.

14. Two keys to a Rich Life: (1) Know your numbers — net worth, Fixed Costs (50-60% of take-home), Savings rate, Investment rate, and Guilt-Free Spending. Get my free CSP template to figure these out in 10 minutes. (2) Master your money psychology.

15. Fight for simplicity in your finances: 1-2 credit cards, 1 savings account, 1 checking account, and (depending on your needs) simple investments like a target-date fund. Then get on with your life.

16. If you have debt, make a payoff plan so you know the exact month/year you'll be debt free. 90% of people in debt don't know how much they owe, and 95% have never made a payoff plan. People in debt do everything EXCEPT pay it off — jumping between 0% cards, consolidating, running gimmicks. Make a plan and automate it.

17. Create a Worry-Free Number, below which you simply won't worry. You wouldn't stress over the price of a pack of gum. Start at $20 and revisit once a year. Your number may eventually reach hundreds or thousands. Good — adjust over time. If you're in a relationship, do this together.

18. If you have money but constantly feel anxious, add an extra $5,000 or $10,000 to your checking account.

19. To save money, pick your 3 biggest discretionary expenses and cut 50% within 6 months. That frees up hundreds a month. Trying to cut 5% on everything guarantees failure and makes you miserable.

20. Most people have the same vacation budget in mind: $5,000 — regardless of age, kids, or trip length. It's a number they picked up in their early 20s and it stuck, the same way you can spot older men by the hem of their pants. Adjust with the times and your ability.

21. You can live a Rich Life today AND a richer life tomorrow. Yes, even if you're in debt, even if you're not perfect, even if you regret decisions from years ago. Do not put yourself in purgatory.

22. There should never be "a money person" in the relationship. Both people must be engaged. One of you might focus on investing, another on certain bills — but both partners need to own a number and share it. Use the monthly money meeting agenda from my book, Money For Couples.

23. Build generosity in NOW — don't wait until you're "rich." Pick up the check. Tip big. Set an amount you want to give away every year and automate it. Wait for some magic number and you'll never build the muscle. The highest level of personal finance is always about the WHO: who do I get to surprise, delight, and be generous to?

24. Teach your kids about money young. Most people tell me their parents either never talked about money or only said "We can't afford it" — and now they do the SAME thing to their own kids. Money isn't something to protect kids from. Get them excited, teach tradeoffs, and by their teens they should be handling tax/tips at dinner and helping plan a family trip or car purchase. But first: you have to master it yourself.

25. Every December, do a Rich Life Review — solo or, in a relationship, together. Share your 20 most memorable photos of the year. Talk about what you want MORE and LESS of. Create a theme (one year ours was A Year of Beauty, another A Year of Adventure). THEN — and only then — look at your numbers. This should take days. Don't rush it.

26. A Rich Life is lived outside the spreadsheet. There's a subset of people — Optimizers, usually men — who spend thousands of hours reading financial subreddits and running Monte Carlo analyses.

27. Stop using the excuse "I wish they taught this in school." Many schools did — you didn't care. And there's unlimited free content and great books now. Get my book, I Will Teach You To Be Rich, from any public library.

Follow me, @ramit, for more on money psychology

[Ramit Sethi @ramit]

Dark Woke move for Democrats here is to buy ads on Charmin Ultra toilet paper that says “Trump gave you diarrhea. Vote for Democrats in November”

[Derek Thompson @DKThomp]

again, big picture, donald trump won an election about affordability and then he

- passed tariffs (which raise consumer prices)
- expanded the deficit w a ginormous corporate tax cut (raises interest rates)
- waged a stupid war (raises gas prices)
- and now refuses to sign a bipartisan bill to reduce housing costs bc he's protesting senate republicans for failing to pass voting restrictions

... while making $2 billion from crypto rug pulls that transferred income from his supporters to his bank account

americans hate the president for very good reasons

[FactPost @factpostnews]

CNN airs compilation of Trump claiming for months that he is close to making a deal with Iran

[ice ꕤ ☼｡˚ @aficionad0__]

I've designed the 'Disney Remake Triangle.'

The three main films encapsulate the three distinct approaches Disney takes when remaking their animated films. Every other Disney remake is a combination of two of these approaches.

[Money @Money]

Nearly 1 million people who bought President Donald Trump's $TRUMP memecoin had lost money by the end of June, according to crypto analytics firm Nansen. The report found 988,905 wallets—about two-thirds of all buyers—had combined losses of $3.81 billion after the token fell roughly 97% from its peak.

[DiscussingFilm @DiscussingFilm]

The ‘MINIONS & MONSTERS’ popcorn bucket includes a reference to the first-ever motion picture The Horse in Motion.

(🎥: @artwithinpod)

[New Adventures of M H🏰WK @MHawk9955]

I love how Californians are all just silent this week as the rest of the country enters a horrible heatwave while we’re looking at having some gorgeous weather for the holiday weekend.

[kat @yslnadi]

me trying to fix my sleep schedule but the world is so nice and quiet from 12-5am

[Aaron Rupar @atrupar]

Kim Jong Un thinks this is a bit much