Mr. Money Mustache

Similarly, the chunks of computer data known as “cryptocurrencies” continue to receive widespread hype and religion-like devotion from their fans, coupled with mouth-foaming anger towards anyone who disagrees with the idea of placing speculative bets on their future prices (myself included). The people playing this game are calling themselves investors, but in reality this whole situation is just the age-old game of stock speculation based on price momentum – which is in turn just another form of gambling. Further compounding the hazards, the people who are the lucky side of this teeter totter (for example, people currently holding all their wealth in Tesla stock or the cryptocurrency or NFT of the day) will tend to attribute their success to skill, which leads them to become ever more confident and double down without realizing the preposterous risks involved. Even as a big fan of Tesla’s engineering accomplisments, I scratch my head at all the ongoing “analysis” of its stock price, which seems like just a random number generator.

have anywhere near $400,000 sitting in my checking account, and I did not want to sell a bunch of shares and trigger capital gains taxes (which in my case would be at least $60,000), just for this short term project. In the best case, a margin account allows you to do things like this: Put in $100,000 of your own money and buy, say, some shares of the VTI index fund. You invest your $100k, borrow that second $100k, and buy the same $200k of shares. COVID hits and your shares suddenly go down 50% (total value is now $100k)BUT, that $100,000 margin loan you took out hasn’t changed.

And we watched the fabric of society get torn apart as we battled and shamed each other over two sides of an issue that are inherently impossible to resolve: a desire to protect other people, versus a desire to have human contact – which is at the core of being human itself. I believe this is much bigger than most people realize – the drastic reduction in commuting, the ability of people to leave expensive metro areas and repopulate small towns that provide a better quality of life, and the ability of companies to lock in the best talent regardless of geography. The world is a good place, humans are fundamentally good creatures, and the more we can nurture this goodness (and avoid fanning the flames of fear, which is the only thing that causes us to be bad), the faster we will continue our rise to an ever-better state of existence. Many of the companies that allow this website to earn money had paused or canceled their referral programs, most notably things like travel and rewards credit cards, which were sometimes the biggest source of cash.

Through some sort of magic, the Direct Primary Care model offers much better medical care and much lower prices, at the same time. My experience (so far) with Cloud Medical Cloud Medical’s Longmont office – definitely a step up over past medical office experiences! Flexible coverage for any additional needs and support for decision-making and billing, even when traveling internationallyA financial backstop just in case things get really expensiveAt a total monthly cost that is still lower than the most basic ho-hum plan on standard insuranceA further bonus – Sedera incentivizes you to be a member of a DPC, with a solid discount if you are, because they know their costs to cover you will be lower if you are healthier and have hassle-free access to a doctor. As mentioned above, I’m giving Bill his own page to maintain on this site, where he can share his ongoing research and updates and answer questions: mrmoneymustache.com/sedera I was quite moved by this piece that Cloud Medical’s Dr. David Tusek wrote about “the ten heartbreaks” that led him to work since 2009 towards accelerating this better way to do healthcare.