Official Europe Cheat Sheet for vacation
Budget → Romania, Albania, Bulgaria, Hungary 🇪🇺
History → Greece, Italy, Czechia, Poland
Food Paradise → Italy, Spain, Portugal, France
Fairytale Vibes → Slovenia, Austria, Estonia, Slovakia
Beaches → Croatia, Greece, Montenegro, Malta
Most Expensive → Switzerland, Norway, Iceland, Denmark
Save this for your next trip.
My homegirl went on a date last night and she texted me talking about get me out of here…she played it off as if she were scrolling on the phone and this whole time she was recording him😭
“My voice is all over the world, so now I want to own that. So we ended up with a settlement where I own 50% of ‘Ingonyama.’” – Lebo M
Watch on YouTube: https://t.co/hDkIFhah9j…
Listen on iHeart: https://t.co/OKzKWJZeZU…
Football is funny cause talent wise, Portuguese team is head and shoulders above this France team. But for some unknown reasons, the Portuguese plays worse football than Swansea city lol
“I played football under pressure because my father had 25 children 😭 Even as a grown man, if you climbed on his bed you’d get pregnant 😂 I’ve got 92 nephews now, and they all call me Santa Claus because I’m the rich uncle.”
— Patrice Evra
Dave: “Follow these 7 steps and it’ll make you a millionaire in 12 years”
Dave: Step 1, save a $1,000 starter emergency fund. That’s your cushion so a small crisis doesn’t derail everything.
Dave: Step 2, pay off all non-mortgage debt using the debt snowball. Smallest balance first, build momentum. This step requires what we call gazelle intensity, extreme focus and sacrifice. Usually takes 18 to 24 months.
Dave: Step 3, once the debt is gone, build a fully funded emergency fund of three to six months of expenses.
Dave: Then Steps 4, 5, and 6 together; invest 15% of your income into retirement, save for your kids’ college, and pay off your home early.
Dave: The first three steps are scorched earth. You’re sacrificing everything. The later steps shift to intentional, long term building.
My dad paid for a Costco membership for 12 years thinking it was just a place to buy a 48-pack of paper towels.
He'd never touched anything except the food court and the gas pump.
Then my aunt — who worked at a Costco service desk for 6 years — visited for Thanksgiving and watched him pay full price for new tires somewhere else.
She said: "Wait. You have a Costco card and you didn't buy those here?"
She pulled out her phone and showed him 9 things his $65/year membership was already covering. Costco doesn't put most of this on the receipt. They'd rather you just buy the rotisserie chicken and leave.
He used 3 of them by New Year's. Saved over $1,000 on tires and glasses alone.
Here's everything she showed him: 🧵
A 28 year old paid $18,000 to invent 4 MILLION fake customers. JPMorgan paid her $175 MILLION without checking a single name. Then paid another $100 MILLION for the lawyers who put her in prison.
> Charlie Javice founded Frank in 2017 at 24 years old.
> A platform that helped college students apply for financial aid. It worked. Just not at the scale she was about to claim.
> By 2019 she was on Forbes 30 Under 30 and by 2021 JPMorgan wanted to acquire her.
> The bank offered $175 MILLION but on one condition: prove you have the customers you say you have.
> Frank had fewer than 300,000 real users.
> Javice paid a data science professor $18,000 to generate a list of 4.25 MILLION fake students. Fake names, fake emails, fake birthdates and even fake income levels.
> JPMorgan signed the check without verifying a single one.
> She personally walked away with $29 MILLION and a managing director title at the largest bank in America.
> Then JPMorgan tried to send marketing emails to Frank's supposed 4 MILLION customers.
> 70% bounced.
> An engineering director testified that the week before the deal closed, Javice asked him to help fabricate the numbers.
> He refused and she told him: "We don't want to end up in orange jumpsuits."
> She was arrested in 2023. While out on $2 MILLION bail awaiting trial, she became a Pilates instructor in South Florida.
> In March 2025 a jury convicted her on all four counts bank fraud, securities fraud, wire fraud, and conspiracy.
> Sentenced to 85 months in federal prison and was ordered to pay $287.5 MILLION in restitution.
> Then the final twist. Because the acquisition contract had made her a JPMorgan employee, the bank was legally required to cover her entire legal bill. It exceeded $100 MILLION.
> The judge told JPMorgan they had "a lot to blame themselves" for not checking before signing. Then sentenced her anyway.
She paid $18,000 to fake 4 MILLION customers and sold the lie to the largest bank in America. JPMorgan paid $175 MILLION for the company. Then $100 MILLION for the lawyers who sent her to prison.