Damus

Recent Notes

Fletch · 25w
HELOC payments can be ammoritized up to 20 years. Most of the early HELOC payments are majority interest. But if the Bitcoin thesis is a 10X from current prices within the next 20 years ... might be easier to keep the HELOC, rather than playing 0% credit card balance transfer leapfrog. Thoughts?
BitcoinFI profile picture
New podcast idea I want to put out.

Know the game you’re playing and learn the rules of the game.

There are many games to play:
- corporate ladder (job hopping, sales)
- real estate (brrr, fix n flip, etc)
- stocks (dividend, Nancy tracker, passive etf, swing/momentum traders)
- business (many sub games as a biz owner, like 1,000 true fans, etc)
- finally bitcoin game (buy, put in cold storage, hold, educate, circular economy).

What would you add?
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bitcoin.rocks · 74w
Love it! Zapped you 21k for this great sign spot 🫡
BitcoinFI profile picture
Normally I see a 10-20 cent gas price discrepancy based on how close the gas station is to the highway vs shopping/residential area.

In the last week I’ve seen several gas stations drop 40+ cents, from ~$3.00 to ~2.60.

Anyone else notice this?
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Greeny · 74w
Yes same in Virginia
BitcoinFI profile picture
I’m using balance transfers to pay off my 8.5% heloc.

Lock in a 3-5%balance transfer at 0%, then attack the heloc with my paychecks, and once it’s gone, hammer the credit cards/do more balance transfers to buy more time.

Not a super fun game but it is what it is
4
Fletch · 35w
What heloc rate would you keep rather than pay off?
BitcoinFI profile picture
A story on parenting.
 
monday, my toddler puked like ten times in 12 hours, then was fine.
 
Last night we went to a little get together, kids had pizza and played. went home. my wife went to bet at ten and i stayed up for another hour, just cleaned up a bit. was doing dishes and heard a kid coughing and decided to go check.

5 seconds too late and my boy puked all over his floor, then in the hall on the way to the bathroom. set him up to sleep in my bathroom on a spare toddler bed next to a bucket.
 
Went and cleaned it up as much as I could.

Then my oldest girl came out saying her tummy felt heavy.

set her up in a camping cot next to brother in the bathroom with her bucket.

all this time my wife is crying, 36 weeks pregnant, she's at her wits end you could say.

I also just had an orthopedic surgery 2 weeks ago so I haven’t been super helpful lately, but getting better.
 
We lay down to go to sleep and get up ten minutes later after my oldest spews.
 
I slept the rest of the night but my wife got up with her 2x more between 1 and 5am.
 
She's back in bed now sleeping, kids are watching movies. Toddler threw a huge fit this morning but got her off to preschool.
 
Also, my wife’s birthday is this week and now we are trying to sell tickets to a show we had tonight since we don't want babysitters to watch sick kids and get sick.
 
Also one of my kids has moloscum and another has impetigo on their eyebrow/eyelid.

Things I’ve never heard of before.

So anyway, things are crazy.

Pray for us if you believe in that.
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