When my buddy's grandpa found out he had a year to live, he had a 795 credit score and zero debt
He opened $180,000 in 0% credit cards across 5 banks, took his entire family to Italy for three weeks, maxed out the rest on gold coins and gifts, and died owing Chase and Amex every penny
His family paid back $0.00
Most Americans think if you die with credit card debt, the bank comes after your kids and takes their inheritance
Go read the actual law in all 50 states:
Unsecured credit card debt belongs strictly to the person who signed the application. Your children and your family have zero legal obligation to pay a single cent of your credit card bill out of their own pocket when you die
Here is how his grandpa set the whole thing up in one afternoon before he ever swiped the cards:
1. He put his house on a Transfer-on-Death (TOD) deed to his daughter
2. He made sure his bank accounts, 401(k), and life insurance had named beneficiaries (Payable-on-Death)
Under state and federal probate law, any asset with a named beneficiary or a Transfer-on-Death deed bypasses your estate completely the second you pass away. It transfers straight to your family by operation of law
When Chase and American Express sent collection letters to his estate six months later, the estate had $0 in it. The house already belonged to his daughter. The life insurance and retirement cash were already in her bank account, 100% untouchable by credit card companies
Debt collectors still called his daughter trying to guilt-trip her into making a "good faith payment" because they know if they can trick a grieving relative into paying $50, they can try to hook them. She sent one certified letter stating the estate was insolvent and they legally had to close the file and eat the entire $180,000 loss
Meanwhile, millions of 32-year-olds are walking around with a 740 credit score acting like St. Peter is going to check their Experian report at the pearly gates
Your credit score is worth $0.00 the day you die
While you are alive, a 720+ credit score and an LLC will get you $150,000 to $250,000 at 0% interest for 12 to 18 months across Chase, Amex, US Bank, and Wells Fargo in a single morning so you can buy real estate, businesses, and cash-flowing assets right now
Stop saving your credit score for your funeral lmfaooo
(if you have a 700+ credit score and want my team to unlock 150K-250K in 0% business funding for you, book a call using the link in my bio)
Readers added context they thought people might want to know
Family members generally aren't personally liable for unsecured credit card debt (paid from estate only if assets exist), but TOD deeds often fail to shield homes/assets from creditors & rules vary by state (not uniform in all 50). consumerfinance.gov/ask-cfpb/does-… consumer.ftc.gov/articles/debts… legalclarity.org/which-states-a…
Rich retweeted
Eagles have 4 OL block one single DL, and let two rushers go untouched at McKee.
I dont think ive ever seen that before.
Rich retweeted
I just found a veryyyy interesting price cut in Miami Beach 👀
$1.6M off this waterfront home at the tip of guard-gated Hibiscus Island.
Now $17.9M. Open bay. Large dock. Rooftop. Insane Miami skyline views.
And I actually think the new price is… really good?
At this level in Miami Beach, the combination of location + views + waterfront is VERY hard to replicate. Someone is going to get a phenomenal property.
DM me to make it yours before your arch nemesis gets it first.
Rich retweeted
20 websites every Indian trader should have bookmarked.
Most people use 3 of them.
Save this before it gets buried 👇
Rich retweeted
A Tesla owner has driven a Model Y for 2 years.
He gets in. He puts it in drive. He uses the navigation. He charges at home overnight. He considers himself familiar with the car. He’s driven it 28,000 miles.
His friend a Tesla service advisor who’s delivered 1,400+ Teslas and trained new owners on every feature watched him drive for 20 minutes and identified 11 features the owner had never activated, never configured, and didn’t know existed.
“Your car has 8 cameras recording a live surveillance feed around it right now accessible from your phone and you’ve never opened the live view. Your car can keep the cabin at 68 degrees with a message on the screen telling bystanders your dog is safe and you’ve never turned on Dog Mode. Your car records dashcam footage on a continuous loop and you’ve never saved a clip or known that footage overwrites every hour if you don’t. Your car can precondition the cabin and the battery from the app before you leave the house using wall power instead of battery and you’ve been walking into a freezing car every winter morning. Your car can lock itself behind a PIN that prevents anyone from driving it even if they steal your phone key and you’ve never set it. You’ve driven 28,000 miles in a car that’s been waiting for you to open Settings.”
He showed him 11 Tesla features that transform the car from “an electric vehicle I drive” into the most capable software-defined vehicle on the road.
Here’s every hidden Tesla feature most owners have never configured 🧵
Rich retweeted
oh my god this is worse than we thought
here's @Ledger $86M exploits explained
> cryptobilis was a reputable and authorized Ledger/Trezor/OneKey dealer for over 4 years
> they decided to sell the company to a Chinese guy (most likely patsy for DPRK) from northern China in MARCH 2026
> the "Chinese guy" modded the devices within the supply chain itself (physical), namely Nano X devices, to contain an implant module
> ledger validity/genuineness check CANNOT detect this because hw wasn't actually tampered with, just spied on
> quoting @MagicalTux:
" implant just monitors what's shown on the screen, will take note of the seed as it's shown to you, then transmits it to 3rd party"
> former owner chimes in on X (pic below) to say that "they were under a NDA" to not mention anything to anyone for 6 months
> they obviously didn't alert any of their partners that they were authorized to sell devices of... because NDA, duh!! its in the name!
> conveniently, funds start getting siphoned a few weeks before this magical NDA due date, and being laundered across all blockchains
The IRS lets you write off money you haven't paid yet
Buy a $70,000 work truck on a credit card on December 31 and the whole thing comes off this year's taxes, even if you don't pay a dollar of it until 2027
It's an old ruling, Rev. Rul. 78-38. If your business files on the cash method, which most small businesses do, a charge on a bank credit card counts as paid the day you swipe it. The date you pay the card off doesn't matter
Stack that on two other rules:
100% bonus depreciation is back for good. Equipment, machinery and work trucks bought after January 19, 2025 can be written off in full the first year
Section 179 covers up to $2,560,000 of equipment for 2026
So a landscaper clearing $180,000 this year does this:
December 20: buys a $70,000 truck and trailer on 0% business cards
December 31: it's in service and it's on this year's return
April: $70,000 less income to pay tax on. In the 24% bracket that's about $16,800 he keeps
The cards: 0% until next December
The tax savings shows up 8 months before the first dollar of interest could
The rules that keep it clean:
1. It has to be a bank card. Visa, Mastercard, Amex. A store's own charge account only counts when you pay the bill
2. The equipment has to be in use by December 31. Sitting on a dealer's lot doesn't count
3. More than half its use has to be for the business
4. SUVs over 6,000 lbs are capped at $32,000 under Section 179. Bonus depreciation picks up the rest
5. Ask the dealer what they'll take on a card. Equipment dealers usually take all of it. Car dealers often cap it, and a payment processor covers the gap for about 3%
Same thing works on a smaller scale. Tools, computers, software, a year of insurance. Charged in December, deducted this year, paid next year
Every business owner you know is going to panic-buy something in the last week of December. Most of them will pay cash for it
Rich retweeted
BLOOMBERG REPORTS LYN ALDEN’S $40,000,000 #BITCOIN TREASURY COMPANY ORANGE JUICE WILL SOON RIVAL STRATEGY
IT WILL "COMBINE REAL CASH-FLOWING BUSINESSES WITH LONG-TERM BTC HOLDINGS"
IT "WILL NOT NEED TO ISSUE SECURITIES" LIKE STRC TO BUY MORE BTC
LYN ALDEN IS INNOVATING ON MICHAEL SAYLOR'S PLAYBOOK
THIS IS NOT PRICED IN 🚀
Source: @crypto
Rich retweeted
Jensen Huang says AI’s biggest challenge is no longer chips.
It’s power.
Every AI model.
Every AI query.
Every AI data center.
Needs electricity.
AI Energy may become one of the biggest investment themes of the next decade.
Power → $CEG $VST $TLN $NEE $ETR
Grid → $GEV $PWR $POWL $MTZ $AMSC
Cooling → $VRT $ETN $NVTS
Nuclear → $CCJ $LEU $BWXT $OKLO $SMR $UEC
On-Site → $BE $CAT
Storage → $FLNC $EOSE $GNRC $FSLR
The AI race is becoming a power race.
Rich retweeted
Chris Long says Jalen Hurts has to prove he can play at a high level without a stacked Eagles roster because his deficiencies are starting to get exposed.
Even more so now with Lane Johnson retiring.
🎥 (@greenlight)
Rich retweeted
I love Philly. If I’m choosing between living in Philly or NYC I’m choosing Philly every time #DDTG
Rich retweeted
40 free sites crypto whales don't want you to know about
who's buying, who's dumping, who's about to unlock. all free
whale & wallet tracking
1.) arkm.com → see who owns any wallet
2.) app.nansen.ai → where smart money is moving
3.) debank.com → any EVM wallet's full portfolio
4.) app.cielo.finance → wallet alerts across chains
5.) whale-alert.io → every huge transfer, live
6.) lookonchain.com → whale moves explained in plain words
7.) kolscan.io → every KOL memecoin trade, realtime
8.) fomo.family → what top traders buy and why
9.) gmgn.ai → smart money and KOL tags on any solana coin
10.) solscan.io → solana explorer
11.) etherscan.io → ethereum explorer
before you buy a memecoin
12.) rugcheck.xyz → insiders, LP and dev wallet on one page
13.) v2.bubblemaps.io → linked wallet clusters
14.) insightx.network → hidden connections between holders
15.) solsniffer.com → solana scam score
16.) tokensniffer.com → EVM scam score
17.) dexscreener.com → top traders, KOLs and holders tabs
18.) birdeye.so → solana charts and wallet PnL
19.) geckoterminal.com → any chain, any pool
unlocks & insiders
20.) tokenomist.ai → unlock calendar
21.) defillama.com/unlocks → who gets tokens and when
22.) cryptorank.io → funding rounds and VC buy prices
23.) dropstab.com → vesting and investor lists
leverage & liquidations
24.) coinglass.com/hyperliquid → hyperliquid whale positions, live
25.) app.hyperliquid.xyz/leaderbo… → top perp traders
26.) coinglass.com liquidation heatmap → where the stops sit
27.) velo.xyz → funding, open interest, basis
28.) coinank.com → order flow and long/short ratio
where the money actually goes
29.) defillama.com → TVL, fees, revenue
30.) tokenterminal.com → protocol earnings like a stock
31.) cryptofees.info → who earns the most fees today
32.) app.artemis.xyz → money flows between chains
33.) farside.co.uk → daily ETF flows
34.) dune.com → thousands of free dashboards
35.) messari.io → free research
36.) l2beat.com → L2 risk ratings
37.) ultrasound.money → ETH burn and supply
38.) mempool.space → bitcoin fees and blocks
portfolio
39.) app.step.finance → solana portfolio in one place
40.) debank.com/stream → what wallets you follow are doing
bookmark this. you'll need it next time you're about to ape
Rich retweeted
🚨 GOOGLE JUST DROPPED A 1-HOUR COURSE THAT TEACHES YOU AGENTIC AI FROM SCRATCH.
No fluff. No expensive bootcamp.
In just 60 minutes, you’ll learn how to:
→ Build your first AI agent
→ Give agents persistent memory
→ Create long-running agentic loops
→ Build MCP and understand MCP vs APIs
→ Connect multiple AI agents into one system
This could save you hours of jumping between paid courses.
🔖 Bookmark this. Watch it this weekend.
Rich retweeted
AI Drug Discovery Is Becoming a Bottleneck Trade
I get excited when an industry starts going through a real regime change. AI drug discovery (“AIDD”) increasingly looks like one of those moments.
Two things are happening:
1/ Upstream: the frontier AI labs are piling in.
2/ Downstream: The supply chain is clearly moving.
Supply-chain checks suggest the upstream picks-and-shovels of discovery and early preclinical R&D are starting to feel the increase in experimental volume.
DNA → protein → assays → sequencing → automation → preclinical testing
Names across that stack include $TWST , @GenScript , $ILMN , $TXG , lab-automation vendors and CROs.
$TWST expects triple-digit percentage growth in AI-enabled drug-discovery orders in FY26, and another year of triple-digit order growth in FY27.
@GenScript's AIDD business doubled YoY in 1H26. Its current platform advertises industrial-scale validation of 4,000+ designs/day, with integrated sequence-to-data workflows. Our channel checks suggest the ramp is moving even faster: roughly 8,000 designs/day currently, with a path toward ~16,000/day by YE26.
---
Why does AI drive more wet-lab demand?
1/ AI makes hypothesis generation almost free → way more shots on goal.
The bottleneck is moving from expert-driven design to biological validation.
2/ AI models need continuous experimental feedback — and both good and bad data are useful.
Traditionally, only the highest-conviction A+ candidates might get pushed into expensive validation. With AI, even the B/C candidates can be valuable because failed experiments generate training data.
@GenScript has said its sequence-to-binding workflow can return data in 4–7 days, and that faster cycle times matter because AI models depend on continuous experimental feedback.
@Anthropic is a clean example. @claudeai designed 1,320 protein binders. @adaptyvbio converted those digital sequences into DNA, expressed the proteins and tested binding. Only 354 actually bound. And the 966 failures are not wasted. They are useful negative labels: what does not express, what does not bind, what has poor affinity. Those results help train the next model iteration.
3/ Wet labs are no longer just making drugs. They are making training data.
$TWST / @GenScript increasingly look like biological data foundries.
$TWST explicitly talks about generating model-ready data from AI-designed sequences. In some workflows, the customer may care less about receiving the physical protein than about getting structured experimental results back into the model.
Traditional drug discovery asks: “Does candidate X work?”
AI drug discovery also asks: “What can this experiment teach the model?”
---
TAM of AIDD
If AI is simply a better R&D tool, the relevant spending pool is the $300–400B of annual global pharma R&D. If AI meaningfully increases the number of viable drug programs, the opportunity is larger because it expands downstream demand for DNA synthesis, protein production, assays, and preclinical work.
Near term, we can also size demand from AI-company spending. If Anthropic reaches $80B of ARR in 2026 and spends just 1% on AIDD, that alone would imply ~$800M of annual investment.
---
Trade setup
This is a trade that could have long legs. It’s hard to really stop working until PhaseI/II results (2028+)
It smells a lot like the bottleneck trade we just saw in semis: GPUs → HBM → networking → power/cooling. In biology, It basically follows the drug discovery process downstream: AI models → designs → DNA/protein → assays → preclinical capacity.
After the upstream picks-and-shovels, animal testing could become the next bottleneck. Monkey prices are already near prior highs and CRO capacity is tight. AIDD pushing more candidates into preclinical development would only add demand.
?? But clinical trials are still the bottleneck?
This is the biggest pushback I keep coming back to. No matter how fast discovery becomes, drugs still need to go through preclinical → Phase I → Phase II → Phase III → approval. You still need patients, time and capital.
But that doesn’t mean the bottleneck trade won’t work. More viable candidates — especially with higher success rates — still means more demand throughout the development process.
And who knows: clinical trials themselves may eventually be optimized by AI.
?? What breaks the trade?
Near term, the picks-and-shovels trade breaks if experimental budgets stop growing, AI-generated designs don’t translate into useful wet-lab hits, or capacity catches up too quickly.
Longer term, the thesis breaks if AI drugs look great in discovery / Phase I but fail at normal rates in Phase II/III. That is why Phase II matters so much.
?? Milestones
Late 2026–2027: first Isomorphic-designed drugs enter human trials; more AI-native programs move into IND-enabling work / tox.
2028–2030: clinical trial results start telling us whether AI-designed drugs actually perform better than conventional drugs.
Calling all the "bottleneck bros". :) @jukan05 @zephyr_z9 @aleabitoreddit @ParadisLabs
+++
More comprehensive analysis: robonomics.substack.com/p/ai…
Rich retweeted
I’m only going to say this once: the market is sleeping on $VST.
The stock is trading around $140 and is still down roughly 13% YTD, yet the bullish signals continue to pile up.
Peter Thiel disclosed a $59.1M position in Vistra at the end of Q2. Nancy Pelosi exercised 50 VST call options into 5,000 shares earlier this year. CEO Jim Burke then bought 8,665 shares worth roughly $1.17M around $135. And now the U.S. government plans to lend Vistra approximately $4.2 BILLION to increase output from its nuclear fleet.
The business is moving in the right direction too. Q2 adjusted EBITDA jumped 31% YoY to $1.77B, and Vistra recently signed a 20 year agreement to supply 200–207 MW of power to a Texas data center project beginning as early as Q3 2027. Morgan Stanley currently has an Overweight rating and $227 price target on the stock.
Think about the setup: the CEO is buying, Peter Thiel has nearly $60M invested, Washington wants to finance more nuclear output, data centers are locking in long term power, and $VST is still down about 13% this year.
$VST isn’t an AI infrastructure company. It is something arguably just as important to the AI buildout: the company helping provide the electricity to power it.
At around $140, I think this discount deserves attention.
Rich retweeted
If Trump gives us $5000, it will go straight into $MSTR LEAPS.
$345 Dec 2028 calls would 16x if MSTR goes to $1000.
I love free lotto tickets.
Rich retweeted
SEMICONDUCTOR STOCKS BY PEG RATIO
PEG < 1 usually means growth may be mispriced
PEG > 2 starts to push into the danger zone
Here’s how they stack up:
• $ARM ~2.5x
• $INTC ~1.8x
• $ANET ~1.7x
• $ALAB ~1.6x
• $KLAC ~1.3x
• $LRCX ~1.3x
• $ASML ~1.0x
• $AMAT ~0.9x
• $LITE ~0.8x
• $TSM ~0.7x
• $AMD ~0.7x
• $COHR ~0.6x
• $CRDO ~0.5x
• $NVDA ~0.5x
• $MRVL ~0.4x
• $ON ~0.4x
• $AVGO ~0.3x
• $SNDK ~0.2x
• $SKHY ~0.2x
• $AAOI ~0.2x
• $MU ~0.1x
Semiconductors are looking VERY cheap right now with two-thirds of these names trading below a 1x PEG over next three years...































