New Year's Resolution time is coming up, resolve a way to REALLY plan for your retirement. Here's some very hard truth. This is the important thing missing from 99% of the discussion and advice you read about finance: long-term inflation, even if it stays "low" at 3%, it will eat your future retirement and the future of the next generation. The more you keep in USD and assets that are denominated in or whose primary value comes from USD, the harder you will be hit. $1,000,000 in 60 years will be worth approximately what $160k today is. Run your own numbers with this inflation calculator:

Inflation Calculator (2026): Calculate U.S. Inflation by Year

SmartAsset's inflation calculator can help you determine how inflation affects the value of your current assets over time and into the future.

Social security likely won't be around when my peers come of age, and if it is, it will be paltry. Social security relies on a growing population, we don't have that and likely wont anytime soon. If you're a woman, you potentially have an exit package in the form of a man providing for you financially in exchange for being in a relationship you don't want to actually be in. And you will be competing for that man potentially in a rough economy with very few men who have enough money to support the existence of two people, most men are already can't do that. Men have no such exit package, so they especially need to prepare for long-term inflation. Either way, prepare now or face the consequences as you age. To hedge against inflation, many people invest in gold. The problem with gold is that it doesn't have a limited supply. Not only are massive unknown gold deposits found every couple years, not only is the vast majority of gold concentrated into the hands of the few, but demand drives up supply. This means gold's value has an actual cap on it. If gold's "value" doubled overnight, you'd have people running to the dentist to get their crowns removed. Deposits that were previously financially unviable become mineable again. Plus, there's gold in space. We can also make gold in labs, it's just not profitable to do so yet. More gold supply would be brought online to match that demand, bringing prices down. Let's also not forget executive order 6102 where the US govt went around seizing everybody's gold when times got tough. Not to mention, most people don't own "physical" gold, they own "paper" gold. Bitcoin is the only asset with a truly limited supply: 21 million coins. There is no more Bitcoin anywhere, even in space. Bitcoin's supply is limited by math. Owning real gold means securing it physically with things like safes. Owning real Bitcoin means remembering twelve simple words (your seed phrase). Bitcoin cannot be seized and you can bring it through borders effortlessly. The total number of Bitcoin that will ever be mined is 21 million, most of which have already been mined. There are 60 million millionaires in the world, that's not counting billionaires, the wealth of nations, or the wealth of corporations. That's the math you need to be doing, not trying to figure out how to squeeze a reasonable lifestyle out of a paltry 3% return on your index funds.

Been a while since I looked, does nostr have a quality reddit clone yet? I know stacker.news but that is a centralized service. #asknostr #reddit

84 years ago America discovered the inevitable consequence of isolationism: an attack on American soil. Pearl Harbor dragged us into a war we never wanted. It was "domestic issues should come first" it was "their problem" until it wasn't. We fed our own delusion so long we ran out of food for it, and then it turned to us and kept eating. While we didn't want to get into WW2, in the long run it was one of the largest economic wins in human history. The boomer generation benefited greatly from being born in the only country left standing with industrial capacity, Europe spent decades paying off loans to us, and the fresh memory of WW2 kept the cold war from becoming hot, leading to another "peace dividend" in the 90s. Today we face these same pressures to withdraw from international affairs. Ukraine? Taiwan? Not our problem. Wars start small, they usually start with a couple small countries, then continue to attract one country, then another, continuing to escalate, until one country with enough power to crush them all enters the arena and tells them to cut it out. There has to be an adult in the room, the laws of power are clear, ancient, and unyielding. That country is America. That country is also China. If we abandon our position, it will only be China. Whatever the consequences and costs of being involved in international affairs is, I assure you that having only China at the helm is worse. There are options between total abandonment of our position and continuing to choose to be the world police, we should explore them. Thank you to those who gave their lives, their families, and their future so we could have a free one. #politics #pearlharbor #china #ukraine #taiwan #ww2

The confusing part about staying at motel 6 is that at any moment you could become part of a gang shootout and you don't even know which gang you're supposed to be fighting for. Like I came here wearing orange, who wants me on their team? What do you mean this city doesn't have a third uptown disciples orange crew? #travel

"don't invest more than you can lose" but anything you don't invest eventually gets lost to inflation. Plan accordingly. #bitcoin

Suggestions for a private group chat nostr app that works on Android and iPhone and is easy enough for regular people to use (no fucking w relay settings etc). #asknostr

"people need to learn better conflict resolution skills". Sure. But I think more people need to learn that conflict is ok and it's ok if it doesn't resolve. "Community" involves long simmering, unsolved conflicts that people look past for the sake of the social group. That's the ability we've lost more than the ability to resolve conflict. I am guilty of this too. It's just gonna be a little uncomfortable forever and that's uncomfortable af. That person who was BIG disrespectful to you? You're gonna see them every day for the rest of your life. Y'know what, on second thought, maybe this whole humans being social animals/building community thing was overrated let's just all go back to watching tiktok, eating processed foods, and popping xannies from the comfort of our own homes without other people in them. Other people are gross

Is there any good way to find lightning nodes with high uptimes and smaller channel minimums? Looking for the $50-$200 range. The lightning network explorers all report uptime and connectivity, but 99% of nodes require massive channels. #asknostr #bitcoin #lightningnetwork

Can somebody send me a test zap? #asknostr

Can somebody send me a test zap? #asknostr

I haven't seen anybody drink a snapple since 2002, there is no way that it isn't a massive money laundering scheme of some kind. I don't know how or why, but I do know for certain.

Entrepreneurship needs to be added to the public school curriculum like yesterday. AI is taking huge parts of the job market offline, we need a legion of entrepreneurs to make new jobs for displaced workers if we don't want to risk massive unrest and societal collapse. Entrepreneurship is a skill that can be taught. We didn't use to teach it because relying on one in every 100 kids to randomly become entrepreneurs was working. The other 99 just got taught how to be obedient workers. That's not going to work over the next 50 years. A single entrepreneur used to need to hire 25 people to run a million dollar company, now they only need three. This means for the same number of jobs, we need significantly more entrepreneurs than we used to. We should also replace the word entrepreneur with something easier to spell. I've been one for like 20 years, I still have to look up the spelling every damned time. Am I an idiot? Probably. But I've created more jobs than 98% of people. And that's the problem.

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