Today's my birthday!! Believe it or not, after 3 years, jet skiing in Miami at sunset was still on my bucket list, and this weekend and my (soon to be wife) Ashley DeMott gifted it to me. I've lived here since December 2023, and it took her booking it for me to actually go. And I will tell you - there's nothing like being on the water when it's warm and the sun is setting, and the wind is in your hair. I don't understand why everyone doesn't live here 😉 It also got me thinking. How many things are on our bucket lists that we could do anytime, but somehow keep pushing off? This was a good reminder to make sure we're actually living. Thanks for taking me out, Ashley.

I am still trying to understand when to use sonnet when coding. Using it for handling the mundane tasks in terms of bookkeeping and taxes. I’m finding this concept of knowing what model to use, when, with what effort… very difficult to follow.

The 10-year Treasury hit 5.29% last Thursday. That's the highest it's been since 2002. Last October it was around 4.1%. I know, bond yields. Thrilling. But this one changes how I look at every deal in my inbox, so stick with me. 5.29% is what the U.S. government will pay you to lend it money for 10 years. There are no tenants, there's no firm to vet, and you can sell it any day you want. Here's a quick way to see what that does to a private deal. Take the cash yield the deal is promising and subtract the 10-year. Last October, a deal paying 7% was paying you about 3% extra for taking the risk and locking your money up for 5 years. Today the same deal is paying you less than 2% extra. The deal didn't change at all, but the bar it has to clear got a lot higher. Now, I'm not telling you to sell your real estate and buy Treasuries. A Treasury doesn't come with depreciation and it doesn't grow, and a good building can do both. And this could turn around. But it's the question I'm asking of every deal this fall: → What am I getting paid on top of 5%? What's the lowest number you'd say yes to right now?

This is insane. I think whether silent or publicly all politicians do this, but not definitely gives me the ick.

Finally bringing America into the 21st century. I love the focus on ease of use for the American Citizen! 🔥🔥🔥 Oddly, it also makes me feel more proud to be American. 🇺🇸

Ask them if they’d like to go to jail for receiving a commission on the sale of a security without a license. It should clear right up.

Sign me up! Great outdoor vehicle

1. Fraud Detection 2. Fraud Detection 3. Fraud D…

There is alllll this talk about taking a loan out of your whole life insurance policy and using it as leverage in an investment and it makes absolutely NO SENSE TO ME. So many gurus shilling this tool. And to be clear — I’m a big fan of the tool. I get why you’d give yourself a loan and have more control than a bank for short-term needs. But pulling it from your policy and dropping it into a 3–7+ year investment? That’s crazy to me. It may say 3 years. Then it doesn’t exit. Then things go sideways. And you still owe the money. DO NOT DO THIS. Let me illustrate from the last 5 years. 1) You take $50,000 out of your policy and call it 5%. 2) You put that $50,000 into any real estate syndication in 2021. 3) By 2025 you’ve lost the money. Now you didn’t just lose the investment... But you still have to pay $50,000 back to your policy, with compounding interest on top. Probably while other things are going sour too. Now multiply that by however much you decided to pull. I’ve had people come to me what I think about this strategy and if they think it's ok to max out their whole life policy. Let me go on record - that is a recipe for disaster. Not everything you read online is worth doing. Please convince me otherwise. 🙏 OK /rantover

I don’t like the idea of owning where I live for the simple reason of not wanting to be forced to sell in a down market (like right now) when your life needs change.

I'm getting married in 6 weeks!!! What's your biggest wedding day pro tip? Ashley DeMott and I are having a 3-day destination wedding in Marrakech, Morocco. My only regret so far - we capped it at 50 and blew through that almost immediately. Extended family from both sides, plus a few close friends and their spouses. (There are a lot of you I wish were coming, so we'll just need to make up for it when I see you next!) That said, I've been looking forward to this for a year. Practicing my vows. Sorting out the clothes. Finally nailed down the ring. And underneath all of it, I keep landing on the same thought. There have to be things I haven't thought of yet. Plenty of you have already done this and learned something the hard way. Give me your best tip or your biggest learning, so I can go in eyes wide open.

The emotional rollarcoaster of leveraging AI is wild. Some days with AI I am catching lightning in a bottle. I get insane amounts of work done that would have originally taken me weeks or months. Other days, like the last few days, I somehow created a blocker preventing me from accomplishing the simplest of tasks and I start contemplating all my life choices and asking why I’m so incompetent.

Pretty interesting take I hadn’t heard before.

Not having a great experience with @bot lately. Making a note for the @grok team. I’ve been struggling with bots just not responding. Help.