The smartest black guy you've ever met is about as smart as the average white guy you've known over your whole life.
If you think it's morally wrong for me to point this out, that's because you're a gigantic piece of shit. Good people do not hide data because it's uncomfy.
Oh and also that big fat middle part on the black bell curve is known as "The Sweet Spot for Criminality." That means smart enough to plan petty violent crimes but not smart enough to anticipate consequences.
This is Naval Ravikant.
One of the clearest thinkers alive on wealth and freedom.
Here are 15 of his ideas that will change how you think about money:
4 supplements I'm getting my aging parents to take:
1. Creatine. You should take it, your friends should take it, your parents should take it. 5g a day. No loading phase needed.
I only ever tell the truth. That is all I do. Black people and Jews do not like the truth.
Racism is a fake word, but I have no reason to like blacks or Indians. They have done nothing to make me like them.
I like East Asians, which logically proves if racism was a real thing, it cannot be leveled at me.
It has to have been. It’s too perfect. I’m going to make a money video of all the stages of the heroes journey and match them perfectly to Trump’s journey. It’s textbook. Syd Field, Aristotle, Campbell, Jung, all lay it out with pinpoint accuracy to his path from the ordinary world to the return of the king.
To be fair, it’s the biggest betrayal of an electorate in (at least) modern history, but it actually is unthinkably brilliant at the same time.
My heart bled for the American people and those in the Maga movement when Butler happened.
I’m English, living in London, I hated Trump right up to 2020 (just didn’t like him, and wasn’t really paying attention) but it put lump in my throat, and my heart swelled with pride for this man and his supporters.
It was nothing less than brilliant.
But we were all played.
Retired at 31 selling options. No inheritance. No lucky coin flip. No rich parents.
I don't day trade. I don't read charts. I couldn't tell you what the market did this morning & I don't care
I buy great companies for less than they're worth & use long duration options to magnify the most bullish setups
Then I sell portfolio secured puts & take the cashflow to buy more shares & calls.
10 minutes a day
It's not complicated
It's just the opposite of everything they taught you
Fibonacci that Bollinger band VWAP RSI that!
More black people will be shot and killed this year in Chicago than all school shooting deaths combined for the past decade in the entire US.
A black male aged 6-12 is more likely to commit murder than ANY age group of white males.
1 out of 3 black men is a felon.
Reflect.
I have given my life to try to alleviate the sufferings of Africa. There is something that all white men who have lived here like I must learn and know:
That these individuals are a sub-race. They have neither the intellectual, mental, or emotional abilities to equate or to share equally with white men in any function of our civilization. I have given my life to try to bring them the advantages which our civilization must offer, but I have become well aware that we must retain this status: the superior and they the inferior. For whenever a white man seeks to live among them as their equals they will either destroy him or devour him. And they will destroy all of his work. Let white men from anywhere in the world, who would come to Africa, remember that you must continually retain this status; you the master and they the inferior like children that you would help or teach. Never fraternize with them as equals. Never accept them as your social equals or they will devour you. They will destroy you.
• Dr Albert Schweitzer, Nobel Peace Prize Winner 1951 (“African Notebook” 1939)
"you can't negotiate with the IRS"
no mf
they approved 42% of the offers they got last year and the form costs $205
it's called an Offer in Compromise. Form 656. you tell the IRS what you can actually pay, they check your math, and if the number is real they take it and zero out the rest. permanently.
the reason they do this isn't kindness. collection costs them money. agents cost money. liens cost money. they'd rather have $6,000 today than spend a decade chasing $100,000 from somebody who will never have it.
they even published the formula they use:
RCP = (monthly disposable income x 12) + equity in your assets
disposable income isn't what you think you have left over. it's your gross income minus the IRS allowable expense tables for your county. their numbers, not yours. if you make $4,200 and their table says your allowable expenses are $3,900, your disposable income is $300.
$300 x 12 = $3,600. add $2,100 in a bank account. your offer is $5,700 on $100,000 owed.
while your offer is pending, all collection stops. no levies, no garnishment, no new liens. that's IRC 6331(k)(1).
and if the IRS fails to make a determination within 24 months, your offer is automatically accepted. IRC 7122(f). they wrote an auto-approve clause into their own law.
"my accountant said i just have to pay it"
your accountant files returns. this is a negotiation. those are different jobs and most preparers have never submitted one of these in their life.
a woman owed $213,000 across four years. we calculated her at $8,400. accepted nine months later. she paid 3.9 cents on the dollar.
the scariest creditor in america built a discount window and hid the sign lol
(we fix credit and stack capital. owe back taxes? handle that first. link in bio)