Ray Galkowski, CFA

* Planwyz is on a mission to make human financial advice affordable for millions of middle-income families

[Ray Galkowski, CFA @Planwyz]

@BillAckman It’s fishy

[Ray Galkowski, CFA @Planwyz]

@HowieRose My dad loved him.

[Ray Galkowski, CFA @Planwyz]

@CliffordAsness Amen

[Ray Galkowski, CFA @Planwyz]

@BillAckman So do I.

[Ray Galkowski, CFA @Planwyz]

@Americanismist @SandeepRamesh @AlanJORegan @chamath Exactly my point.

[Ray Galkowski, CFA @Planwyz]

@SandeepRamesh @AlanJORegan @chamath Will it be low margin, though? Many felt the iPhone was a low margin product, too.

[Ray Galkowski, CFA @Planwyz]

@chamath I know several people thinking the same way 😉. I’ve been thinking about the best ways to deploy Optimuses for income. I hope to get some of the first off the line.

[Ray Galkowski, CFA @Planwyz]

@TonyDungy While you are at it, look at the annual schedule disparities. It seems washington faces the most opponents at a rest disadvantage every year.

[Ray Galkowski, CFA @Planwyz]

@TonyDungy Amen. Tell them, coach.

[Ray Galkowski, CFA @Planwyz]

@LotusDisrespect @CliffordAsness You won

[Ray Galkowski, CFA @Planwyz]

@CliffordAsness Martingales work only when one possesses unlimited capital;

No one possesses unlimited capital;

Therefore, Martingales don’t work.

[Ray Galkowski, CFA @Planwyz]

@honestpollster The S&P 500 rose 320X in that time frame.

People who bought real estate as an investment—vacation homes, multifamily, REITs, offices, etc.—because they thought equities were risky embarrassed themselves.

It’s for this reason that Buffett remained RE “poor” and equities rich.

[Ray Galkowski, CFA @Planwyz]

@honestpollster The S&P 500 rose 320X in that time frame.

People who bought real estate as an investment—vacation homes, multifamily, REITs, offices, etc.—because they thought equities were risky embarrassed themselves.

It’s for this reason that Buffett remained RE “poor” and equities rich.

[Ray Galkowski, CFA @Planwyz]

@CliffordAsness When your work ethic matches your political leanings and you fail to check the work (because that’s just too much work).

[Ray Galkowski, CFA @Planwyz]

@ScottAdamsSays Do you mind if I ask what your low PSA was in October 2024?

[Ray Galkowski, CFA @Planwyz]

@bronwenmcshea I’ve found that you can get two diametrically opposing answers going from the general to the specific. E.g., if you ask “do illegal aliens have Constitutional rights like US citizens?” (general, yes) vs “do illegal aliens have the same due process rights as US citizens?” (No)

[Ray Galkowski, CFA @Planwyz]

@SNY_Mets @SNYtv

Ron,
You’d love this butcher channel:

https://t.co/MefYR7eqDG

[Ray Galkowski, CFA @Planwyz]

@BillAckman Sign me up.

[Ray Galkowski, CFA @Planwyz]

@CliffordAsness Most home prices didn’t move an inch in the last week.

[Ray Galkowski, CFA @Planwyz]

@The7Line Where are 7LA meeting in Houston today?