Cypher Dragon

Gold. Silver. Crypto. Rare Earths.

[Cypher Dragon @Bernochus]

@lexfridman I love the idea. The execution was gross

[Cypher Dragon @Bernochus]

@badcharts1 @TheMoonCarl Bitcoin at 3 million means a loaf of bread is 1 million

[NO CONTEXT HUMANS @HumansNoContext]

This made me 🤣

[Cypher Dragon @Bernochus]

@RAWigger They didn't make her a a disabled person of color?

[Cypher Dragon @Bernochus]

@SantiagoAuFund I want to bring back Zeppelins.

[Cypher Dragon @Bernochus]

@syndrome4ever @RealKeithWeiner The right appreciates the fences but wants to keep the peace with the left so the fences still come down. When night comes both are eaten by wolves.

[Cypher Dragon @Bernochus]

@RealRickRule Yes

[Cypher Dragon @Bernochus]

@RealKeithWeiner Watch him sell so he can buy Fartcoin

[Cypher Dragon @Bernochus]

@WallStreetMav True. It takes about 10 years to go around the block and just drink what you had in high school

[Cypher Dragon @Bernochus]

@TaraBull https://t.co/i3154TVF9M .. (i think it's just pron now but back then it was a mix of 4chan and ebaum)

[Cypher Dragon @Bernochus]

@barnes_law If the Iran war and closing of the straight wouldn't send oil to 150 plus a barrel then we are just living in a different era with a glut of oil.

[Cypher Dragon @Bernochus]

@TaraBull When you go down on her and she farts a nuclear explosion

[Cypher Dragon @Bernochus]

@ZubyMusic @imPenny2x True. Some people can score very high on an IQ test but struggle with basic communication. Probably not who you want in office

[Cypher Dragon @Bernochus]

@ConceptualJames Is Isreal wrong about anything ever?

[Cypher Dragon @Bernochus]

@Budgetdog_ Factory m2 money supply growth and it looks more honest

[Brennan Schlagbaum, CPA @Budgetdog_]

If you die without a plan...

- The government takes 40% in tax
- Probate court costs $100k+
- Your kids get the scraps

If you love your family, here's every document you need to protect them:

(from a CPA & father of two)

1) Emergency Access List

This should include:

-> All bank account numbers
-> Investment account logins
-> Life insurance policies
-> 401k/IRA beneficiaries
-> Safe deposit box location
-> Password manager master code

Keep a digital & physical version for safety...

And make sure your spouse has access.

2) Legal Documents

-> Will (name guardians for kids)
-> Durable Power of Attorney
-> Healthcare Power of Attorney
-> Living Will/Healthcare Directive

Setting all of this up costs about $500...

($1,500 with an attorney)

But without them, the state decides everything.

3) Money Protection

Your family will need time to mourn.

Make sure they can do it without going broke:

-> Term life insurance (10x income)
-> Emergency fund (6-12 mo in a HYSA)
-> Retirement accounts with spouse access

4) The "First 48 Hours" Sheet

Write down clear instructions for your family:

Call this attorney: [Name/Number]
Call this CPA: [Name/Number]
File life insurance claim here: [Details]
Don't touch investments for 6 months
All bills are on autopay from [Account]

Grief destroys decision making.

This protects them.

5) Business Owner Addition

If you have a business, set up:

-> Buy sell agreements
-> Key person insurance
-> Business succession plan
-> Separate LLC owned by trust

If your company can't survive without you...

It's a 9-5 with extra steps.

6) Trust Setup

A proper trust can save your family $400k+ in probate costs.

But 90% of them are set up wrong:

-> Assets never get transferred in
-> Beneficiaries aren't updated
-> Pour-over will is missing

Here's how to fix that:

"Bulletproof" Trust System:

1) Revocable Living Trust
-> Avoids probate completely
-> Keeps finances private
-> Protects kids' inheritance

2) Pour-Over Will
-> Catches forgotten assets

3) Guardian Designation
-> Who raises your kids
-> How they get paid

Setting this up takes a weekend...

But ignoring it could cost your family everything.

So start before you're ready...

Because no one plans on dying.

Hope this helps!

Share with your spouse if you want to set this up...

And follow me for more 🤝🏻

[Cypher Dragon @Bernochus]

@RealKeithWeiner Before I died I would feel silly that I got killed by a Muppet

[Cypher Dragon @Bernochus]

@TheDataBased @Plontus_ I love hearing about the endless adventures of "Dat Muh Fugger".. they always talk about him.

[Cypher Dragon @Bernochus]

@IamTheTrashMan @adamcarolla I remember seeing the tiktok dancing nurses of the "front lines" .. which basically makes me a WW1 vet of the Somme