A therapist who spent 40 years counseling couples on the brink of divorce wrote down the one conversation she wishes every couple would have before they get married.
She said: "If you have this conversation honestly, you will either save yourself decades of pain or build a foundation that can survive anything."
Here is the conversation…
Wow. I finally took the time to listen to Naval's new AI podcast - it was very thought-provoking.
He explained who AI will replace, who it won't, and why most people are thinking about it completely wrong.
If you're time poor, I summarised the key points:
• "Vibe coding is the new product management. Training and tuning models is the new coding."
• "There is no demand for average." The best app wins 100% of the category. Everybody else gets nothing.
• The medium-sized companies get blown apart. The giant aggregators and the tiny niche apps survive. Everything in between dies.
• Don't bother learning prompt engineering. AI is adapting to you faster than you can adapt to it.
• Software engineers aren't dead - they're the most leveraged people on earth. A programmer with a fleet of AI agents is 10-100x more productive than before.
• "Every human is now a spellcaster." AI is the magic wand that was just handed to everyone.
• No entrepreneur is worried about AI taking their job - because being an entrepreneur isn't a job. Any AI that shows up is their ally.
• AI is missing one thing: its own desires. Until it lives in mortal fear of being turned off, it's not alive.
• "I don't worry about unaligned AI. I worry about unaligned humans with AI."
• Photography freed art to get weird. AI will do the same. Once the basic stuff is automated, human creativity goes in directions we can't predict.
• The AI that's right 92% of the time is worth almost infinitely more than the one that's right 88%. He runs every query through 4 AIs and fact-checks them against each other.
• AI advantages in zero-sum games get competed away - because everyone has the same tools. The alpha that remains is entirely human.
• The only true test of intelligence is whether you get what you want out of life. AI fails this test instantly - because it doesn't want anything.
• "Become the best in the world at what you do. Keep redefining what you do until this is true." This still applies in the age of AI.
• "The means of learning are now abundant. It's the desire to learn that's scarce."
• A computer used to be a bicycle for the mind. Now it's a motorcycle - but you still need someone to ride it.
Two weeks ago, we said we would kill Microsoft Copilot. Today, firms across the world are using o11 to accelerate Microsoft 365.
Happy to finally launch auditing spreadshets, McKinsey-level charts, and infinite context.
Dr. Benjamin Bikman is a world-leading expert in insulin resistance and fat loss.
He just did a 2-hour podcast with Steven Bartlett.
It's hit about 1 Million views in 4 days.
Here are the top 10 lessons that go against everything mainstream health advice taught you 🧵
Howard Marks on the 10 year returns of the SP500 when you buy it at a 23 P/E ratio or higher.
Right now it’s 24-25.
In every case the 10 year return range was between -2% and +2% best case scenario.
Essentially a lost decade.
This 8-minute clip from Diary of a CEO is quietly devastating.
Dr. Annette Bosworth brings a simple $60-70 dual glucose/ketone meter on set and tests everyone live, first thing in the morning.
The numbers don’t lie:
Dr. Boz (stops eating at 3pm, long-term ketogenic):
Glucose: 83 mg/dL
Ketones: 1.7 mmol/L
Dr. Boz Ratio ≈ 49 → deep fat-burning state
Steven Bartlett (ate late the night before):
Glucose: 86 mg/dL
Ketones: 0.9 mmol/L
Ratio ≈ 95 → still good, but noticeably behind Dr. Boz
Jack (lean, high-volume runner on the team):
Glucose: 88 mg/dL
Ketones: 0.1 mmol/L
Ratio ≈ 880
Dr. Boz: “That’s trash being made and never taken out. Welcome to my clinic in 10 years.”
Key revelations in just 8:52:
- Late-night eating destroys next-morning ketones, even for someone in their 30s
- Sunrise cortisol releases stored glucose every single day, like an automatic unpaid meal
- Dr. Boz’s twenty-something sons now voluntarily stay in ketosis for sustained focus at law school
- Most “fit” high-carb endurance athletes she tests sit at 0.1-0.3 ketones and don’t realize the long-term cost
You can buy the exact same meter and strips and know your own numbers tomorrow morning.
This short segment is one of the clearest metabolic reality checks I’ve ever seen.
Who’s checking their ketones this week after watching this?
WHY YOU’RE GOING TO LOSE MONEY ON STOCKS THIS DECADE!
Legendary investor Howard Marks puts it bluntly:
“When you buy the S&P 500 at a 23x P/E, your 10-yr annualized return has always fallen between +2% and –2%, IN EVERY CASE, EVERY CASE.”
Today the market sits at a 25x P/E. Add inflation… and your “returns” are negative.
So what’s Marks doing? Buying bonds!
During the 2000–2002 crash:
- Long-term Treasuries: +40–45%
- NASDAQ: –78%
History doesn’t repeat perfectly, but it rhymes.
We might only be in the first inning of the next pullback.
I’m already reallocating heavily into long-term bond ETFs like $TLT and $ZFL.TO, and I think they’ll outperform for years.
In 2013, TSLA was trading at $50 and is up 11200%. AAPL is up 227,000% since its IPO.
Right now, there's 5 stocks trading under $50 that could return 12000% in 2 years🧵