Mfs will really make a fantasy game without having slain a dragon 🙄

There’s been a lot of nerfs to credit card rewards in 2025, I wonder how this interacts with that

The extrudler

Spelt sourdough? I sure hope you did when you typed it 🤣🤣🤣

Excuse me I was told Brandon had fixed the economy

I purportedly had asthma as a young kid but grew out of it. Then again I had a completely fabricated tree nut allergy so I don’t know what’s real

WAYTOOBASED

It was 6 months on HRT this weekend. I figured I’d be happier but my job situation is kinda wack currently and dating apps have not been going good… wahoo

What’s the Livvy rizz coefficient on Baby Grok

“even 5% of USA market” is doing a lot of work there. All the sector funds in the vanguard plans (what seems like the closest thing to compare crypto to, particularly the precious metals one) amount to 1% usage by participants, and every sector besides real estate has <0.5% usage.

But can’t that be said of any publicly traded investment with more risk and/or higher expense ratio? What’s different here that’s going to make this uniquely worse?

If they’ve already functionally had permission, what’s the meaningful change here?

I also find myself skeptical that the barrier to high volatility investments being promoted in 401ks is that they didn’t have the right stuff to push. There’s been nothing functionally stopping fund administrators from offering gold ETFs for the two decades they’ve been available, for instance, it’s just not terribly common.

This relies on people actually going out and buying ruinous amounts of crypto in their 401ks, which I don’t see happening en masse. Most people just set and forget on a single target date fund, probably the Qualified Default Investment Alternative for their plan. Even if the Department of Labor were to do away with the current regulations on QDIA diversification and option type to get people into crypto by default, we’d also need to see plan administrators who even want to do that, and I don’t think we’re going to see that from the likes of Fidelity and Vanguard.

I mean yeah that’s how to turn money into nothing, but how do we get to that point? 59% of Vanguard plan participants only hold a single target date fund according to page 6 of this 2025 report, and I really doubt much of the remaining 31% who use more plan offerings (making them less diversified, paradoxically) will end up investing a significant amount in crypto or crypto funds.

Social security is different from retirement savings accounts. If the government starts confiscating privately held 401k accounts en masse for some reason there’s probably bigger things to worry about, like iodine pills and canned beans

The stock market has predicted 9 of the last 5 recessions

But seriously a big difference I see is the level of influence and govt/military association many of these companies have. Google might be more overvalued than AOL was, but how many DoD contracts did AOL have? I can’t buy that the US would let these companies crater when American military supremacy (or at least its pretense, which is about just as important) depends on it

What would the mechanism for this be?

Emailing the HR department to switch plans so I can get exposure to $BOOBA

grok is this true?