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 Running some spreadsheets, with 3% interest, no inflation, & no stonk market gains for 20 years, the retirement fund would drop by 25%.  The cash would drop by 1/2.  We all know over 20 years, interest rates are headed down & stonks are headed sideways or up.  3% & a negative stonk market seems plausible for at least the 1st 10 years.  Applying very conservative 3.5% inflation as a renter, the retirement fund would drop by 50% & the cash would be gone in 20 years. The stonk segment needs to average 4% growth for the portfolio to come out flat in 20 years.  There could be no transfers to the cash segment. Rebalancing to keep the cash constant would drain the stonk segment by 1/5, assuming the stonk went up 4% every year.  The stonk now has to go up 5% every year to break even.  Definitely better to not rebalance, but that would leave a 100% stonk weighting in 20 years.  10% annual stronk growth would yield the dream, etern...
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 Lions were around to see fixed income give way to house flipping as a path to wealth after 2004.  Then they saw house flipping give way to rental properties after 2008.  Then they saw rental properties give way to cryptocurrency after 2016.  Then they saw crypto currency give way to 100% index fund portfolios after 2020.  Now, the pendulum is undeniably swinging back to fixed income. In the current stonk market with a 50/50 allocation, lions would run out of money without working.  A 100% fixed income would be so dramatically improved, it would provide enough to stay in Calif* & leave a small amount left over.  Move to FL & have a lot left over.  A lot of gootubers are making the same discovery. Previous gains from stonk came manely from buying dips rather than static positions.  The 50/50 allocation doesn't allow buying any more dips.  Most gootubers bought all at once in 2022, when 100% index funds hit the news.  The...
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After another difficult night battling Brachioradial Pruritus, managed 1 hour of sleep in which lions dreamed about just moving into a new apartment, strangely having trouble finding a shower, food & separating clean from dirty clothing.  Wondered why the lion kingdom had to check in so frequently.  Gradually realized the lion kingdom was homeless, having to scrounge for a shower, constantly having to find a place to live.  The new apartment required constantly reapplying.  Was waiting outside in a line to get in again. It made lions ponder their situation, relative to the last 20 years of rent inflation.  An apartment in silicon valley was $900 in 2005.  Today, it's $5000.   A house near the current apartment was $600k in 2005.  Today, it's $3M.  No amount of working or income can guarantee any security in fiat money.  Future lion could keep moving as rent increased.   -------------------------------------------------...
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 Continuing the horror movie trend, it was Dawn of the dead 2004.  For some reason they're more cozy escapism than other genres.   It's 2004 sauce.  Mcmansions, plasma TV's, mega malls, midwest suburbs, peak generation X, it's all there.  No mcmansions now.  Tiny homes & ADU's are the thing.  Midwest suburbs have now been replaced by digital nomads.  Really contrasty, vibrant emulsion color from that era abounded.  Noted it in Tropic Thunder 2008.  It may be the 1st blue ray transfers were from that era & they were all stylized in that contrasty saturated way to show off the format.              This one came to the lion kingdom in an X post about the car POV.    It was entirely set in a mall.  That was the era of the mall of amerika, the great mall, the big box store.  The internet wouldn't be accessible enough for mass mail order for another 4 years but as soon as ipho...
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Brachioradial Pruritus

  After years of progressively worsening chronic itching, the internet said the lion kingdom has either nerve damage from UV or nerve impingement, Brachioradial Pruritus or Notalgia Paresthetica.  More likely BP.  It seems to prefer the left shoulder.        Itching began in 2015 & progressively worsened for 11 years.  It was originally blamed on mane conditioner, pet hair, lice, dust, insect excrement, spider bites, ACNE.  It was 1 of the things you never notice.  It had been below the left shoulder blade since 2016, but finally passed a point of becoming an unending, debilitating stinging on the entire shoulder after July 2026.  Lions would be truly awful to live with, now.   It escalated during a period of higher than normal sun exposure.  The week before 8/9 was when lions noted an uptick in itching.   8/15 was when lions got more burned than usual.  Sleep disruption began after 8/24 as it cont...
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   Another run down to document the empty field after the ground breaking for the new theater & the field wasn't empty.  They're just breaking ground & clearing the field simultaneously. Made a potato quality panorama from the phone.  Not sure why the phone did such a lousy job stitching this one.   Upon further inspection, previous panos were equally bad but didn't have as many horizontal lines.  It's absolutely piss poor compared to manually stitching a video but it provides a documentation grade 2k image.  Vibe coding a pano tool might give better results.  There were unsuccessful attempts to do it with Cinelerra's motion tracker.    Cooler weather & a serious hydration effort led to a much improved run down.  It finished at 72F.  Didn't cramp, though took many breaks to test for seizing.  Still finished with orange urine.  Bilateral posterior tibialis problems caused a slowdown.  It ended up ...
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Peter Cullen

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 Besides senioritis, other trends from college have returned after 50.  Lions noted working part time instead of borrowing was what the over achievers did in college & the path to success.  Working part time after retirement is now being seen as a similar path to success, as if our college phase was starting over again.   The abundance of gootubers worth many millions yet continuing to work after retirement was the 1st big sign that the part time working, college over achievers were coming back for retirement.  Instead of uploading copyrighted music & producing value, they choose to jump all the hoops for monetization, produce rehashed click bait, comply with AI art requirements.  It definitely feels like the desire for a higher standard of living is going to create the same hierarchy of over achievers & slackers in retirement as college.  Working in retirement is going to be a new rite of passage.  At the same time, in the l...
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