THE WORLD’S MOST IMPORTANT NUMBER JUST COLLAPSED November 6, 2025: SOFR crashed to 3.92%. The lowest level in two years. The benchmark that controls $397 trillion in global contracts just signaled something catastrophic. This is not a rate cut. This is a liquidity flood. THE NUMBER THAT MOVES EVERYTHING: SOFR replaced LIBOR in 2023 as the foundation beneath derivatives, corporate loans, adjustable mortgages, and securities worth more than 15 times global GDP. When SOFR moves, $397 trillion in financial contracts reprice simultaneously. It just fell from 4.22% on October 31 to 3.92% in six days. A 30 basis point nosedive that saves borrowers $50 billion annually but screams one word: panic!! WHAT THE FED IS NOT SAYING: The Federal Reserve cut rates 150 basis points year to date. Excess reserves are flooding repo markets. Overnight borrowing costs for the entire financial system collapsed to levels not seen since September 2023, when recession fears first surfaced. Translation: The Fed sees something breaking and is throwing liquidity at it before the fractures become visible. THE MECHANISM OF CONTAGION: Lower SOFR slashes bank funding costs by 10 to 30 basis points immediately. Corporate loan rates drop 15 basis points. Adjustable rate mortgages reset 20 basis points lower, cutting monthly payments by $200 average. Credit expands 2 to 5 percent. Lending accelerates. Asset prices inflate. But here is what they are not telling you: sub-4% SOFR has preceded every major asset bubble since 2008. Cheap money does not fix broken growth. It masks it. THE GLOBAL SPILLOVER: Cheaper dollar funding triggers $10 billion plus in emerging market carry trade inflows. Currency volatility spikes. Foreign central banks hoard dollars. The cycle that destroyed Argentina, Turkey, and Sri Lanka restarts. WHAT HAPPENS NEXT: If Q4 GDP misses expectations or inflation spikes above 3.5%, SOFR reverses violently. Repo market seizures return. The 2019 overnight funding crisis replays at scale. If the Fed holds course, credit bubbles inflate until something pops. Corporate debt. Commercial real estate. Equity multiples at 25x earnings. THE TRUTH BURIED IN THE DATA: SOFR is not just a rate. It is the early warning system for systemic stress. When the world’s most important number collapses this fast, it means central banks are terrified. They are easing into a recession they cannot admit is coming. Hold duration. Hedge via SOFR futures. Watch repo volumes like a seismograph. The tremors started. The quake is next.

50 year mortgage combined with student loans is basically mortality curve modeling

After a decade of struggle, I watched a friend increase her sales 40% OVERNIGHT with a simple change. Let me tell you about Fae. She runs turnkey children's parties. Magic shows…fairy parties…face painting…the whole deal. Parents get to sit back and actually enjoy their kid's birthday instead of running around like a stressed-out event planner. Great business. Terrible margins. For almost a decade, Fae's business had been completely flat. And the problem was obvious: Everyone always picked the lowest package. Why? Because Fae was building her offer around what she valued. She loved the magic show. She loved the fairy tale storytelling. She geeked out on the different activities. So she structured her packages as a menu of activities. Pick the magic show! Add face painting! Throw in balloon animals!!! BUT parents don't care about the menu of activities. They care about one thing: Are you going to run this party for me or not? As a father of 4 kids, I can tell you exactly what I'm thinking when I book a party: "Please just take care of this so my kids have fun and so my wife and I can actually enjoy our kid's birthday.” So we restructured Fae's offer around what parents actually valued. Instead of a complex menu, 3 simple packages: Package 1: Some of the time (we show up, do an activity, and leave) Package 2: Most of the time (we handle 3 - 4 activities…basically the whole party) Package 3: All of the time (we completely turnkey the entire party, setup to cleanup) Once they picked their level of involvement, Fae let them choose activities. (And the bigger, cooler activities were only available in the higher packages because they took longer.) So what happened? Sales increased 40% overnight after nearly a decade of stagnation. 2X as many parents chose the most expensive package… …because when you frame it as "you'll run the entire party for me?" the answer is obviously yes. And the parents who picked a lower tier? Many upgraded when they realized the really good activities (the big magic show they wanted) were only available in the higher packages. Referrals went up too… …because it's way easier to tell someone, "these people completely turnkey your kid's party" than "they can do a bunch of random activities you decide on." Lesson learned. Price in terms that your prospects understand and value, not based on what you value or your gross margins. Fae thought parents cared about the complexity of activities. They didn't. They cared about not having to stress out on their kid's birthday. Once she structured the offer around that, everything changed. Average customer value up 40%. Acquisition costs justified. Clients happier. Business is finally growing again. All because she stopped building the offer around what she thought was cool and started building it around what her customers actually wanted. Which was simple: Take care of this for me so I can enjoy the party.

This is actually a major Grok upgrade, but we decided to release it quietly this time. Gave us time to smooth out the rough edges.

Learn computer networking.

The destruction of both the family and the single-income household didn't happen by accident.

The system is set up to extract wealth from Millennials and Gen Z and give it to Boomers: - NIMBY housing laws that make it impossible for first time homebuyers to afford a home. - Student debt that can't be paid off or discharged, leading to permanent wage depression. - State governments in unsustainable levels of debt to civil service pension funds while canceling those benefits for new hires. California pays an average of 102% of final earnings to retiring civil servants. - Proposition 13 lets longtime homeowners pay significantly less property tax than new ones. - Both Medicare and Social Security will not be fully funded starting in 2033. - Politicians are terrified of calling this out because 9 out of 10 people who go to their town halls are Boomers. I talked to one US Congressman who said "coming out too hard against Boomers is an almost sure way to lose an election". They're happy to call out billionaires but terrified to call out Boomers. Once you see it the first time, you see it everywhere.

your content is boring as fuck and nobody gives a shit about your product not because it's bad because you're selling features like a dork "our app syncs your calendar and tasks!" "we have AI-powered productivity insights!" "seamless integration across devices!" nobody fucking cares people don't buy features... they buy IDENTITY. they buy WAR. here's the "Rage-Bait Identity Funnel" that turns boring products into movements: THE PROBLEM: you're selling a productivity app you have a landing page that says "boost your productivity by 40%" you're getting 3% conversion rates you're wondering why nobody buys it's because you're not giving them an enemy to fight THE SOLUTION: stop selling an app... start selling a SIDE create a fucking war NEW PITCH: "The 4-Hour Workweek is a lie. It's a cope for lazy, effeminate dorks who want to 'find themselves' in Bali while their bank account hits $0. We're not 'lifestyle designers.' We're BUILDERS. We're grinders. We believe in 16-hour days. We believe in WORK. This isn't a 'productivity app.' This is a weapon for the 1% who actually do shit. If you're a '4-hour workweek' bitch... this isn't for you. Go 'journal' somewhere else." WHAT JUST HAPPENED: you didn't sell features you created an identity war now you're not selling to "people who want productivity" you're selling to "GRINDERS" vs "lifestyle designers" half the internet will call you toxic the other half will buy your app just to prove they're on the right team they'll screenshot your landing page they'll quote tweet it they'll fight in the comments defending YOU because you gave them an enemy THE FORMULA: Step 1: Find the dominant narrative in your niche productivity space? it's "work less, live more" fitness space? it's "body positivity, all sizes are beautiful" business space? it's "passive income, laptop lifestyle" Step 2: Call that narrative a COPE "work less, live more is for people who are scared of winning" "body positivity is killing people by lying about health" "passive income is a scam sold by people who never built anything" Step 3: Create YOUR tribe "we believe in WORK" "we believe in being FIT" "we believe in BUILDING" Step 4: Make your product the weapon for your tribe not a productivity app... a "weapon for builders" not a fitness program... a "protocol for the 1%" not a course... a "war manual for crusaders" REAL EXAMPLE: there's a project management tool that was dying at $8k MRR boring ass landing page about "collaboration features" they pivoted to rage-bait positioning: "Slack is where projects go to die. 47 channels of people talking about doing work instead of DOING work. We don't have channels. We don't have 'async communication.' We have one feed. Do the work or get out." they went from $8k to $80k MRR in 4 months because they stopped selling features and started selling IDENTITY the "anti-Slack" people flooded in the debates went viral the product stayed the same... the POSITIONING created a movement HERE'S THE THING: most founders are terrified of being divisive they want everyone to like them they want to be "inclusive" they say shit like "we're for everyone!" being for everyone means being for NO ONE you need ENEMIES Apple vs PC Coke vs Pepsi Patriots vs Everyone the product barely matters the IDENTITY is what sells i've seen this play out 100 times: boring fitness app → "protocol for men who refuse to be weak" generic newsletter tool → "anti-woke media stack for truth-tellers" basic productivity app → "tool for builders, not dreamers" same product different positioning 10x the revenue because you gave people a FLAG to rally behind STOP SELLING FEATURES: "we have 50+ integrations" - gay "our UI is clean and intuitive" - nobody cares "we're rated 4.8 stars" - cool story bro START SELLING WAR: "if you think 'work-life balance' matters, this isn't for you" "we're not for the meditation and journaling crowd" "this is for people who want to WIN" your product becomes a BADGE when someone uses your app they're not just being productive... they're signaling they're part of the WINNING team, not the COPING team the rage-bait does your marketing for you people will argue about you on Twitter they'll make video responses they'll tell their friends "you HAVE to see this crazy landing page" controversy = distribution HERE'S WHAT HAPPENS: you post your new positioning someone quote tweets: "this is toxic masculinity productivity" your tribe jumps in defending you the post goes viral 1000 new people see your product 200 of them join your tribe you just got free marketing from RAGE moral of the story: stop trying to appeal to everyone stop selling features that nobody remembers stop being BORING create a war pick a side make your product the weapon let the rage do your marketing people don't buy productivity apps they buy IDENTITY they want to know: am I a grinder or a lifestyle designer? am I a builder or a dreamer? am I winning or coping? give them that identity and they'll die for your product that's the game play it or stay at $3k MRR wondering why your "great product" isn't selling

14K yesterday 🤑 And not a single dollar spend on Meta or TikTok 🤯 Why are you not using google ads for your dropshipping store?

i made $1209 for posting on x dot com and driving 40,000 downloads to my app for $0 in the last 2 weeks

Nobody in the world knows how much money I make Except my accountant An my biz partner I might make high 5 figs. Mid 6. Low 7s. Nobody knows. I never talk about it Something so beautiful about making ridiculous amounts without posting embarrassing fucking guru tiktoks And keeping it lowkey Filtering the mfers that make it their only trait is life And makes you a genuinely interesting & fascinating person to the avg wagie Be the mfer at a Rosewood that wears Zara and has an extremely mysterious income method @PhantomStays kind of lifestyle

Grey hairs and Vitamin B12 Vitamin B-12 deficiency is one of the most common causes of prematurely graying hair.

Affiliate marketing.

Most people underestimate the actual power of quiz funnels. It's not necessarily the increase in CVR that you could get from implementing a quiz funnel that makes them so good. It's the data. Use this data for new ad scripts & landing page copy and you got a money printer. You could even just plug all this data into Claude or ChatGPT and get a full analysis done in seconds.

MRR is actually game changing 🫣

around a year ago today, i met someone worth $350,000,000+ and owns a brand worth $6,000,000,000 (yes, billions). life hasn't been the same since that day this post isn't about money but more on breaking limiting beliefs and sharing how it opened my eyes. this is not some motivational post i hope it somehow inspires you though i will reveal who this person is at the end of this post. hint: a judge on shark tank i had the chance to attend his private meeting and meet him at my university. it honestly felt weird being in the same room as someone like that for the first time. he shared his entire life story from beginning of his life to present day. what i expected was a story of luck and miracles cause its just impossible to make it in life like that right? no. after hearing the comeup i was like there's no way we're both human beings except you fly in private jets everywhere you go. there's no way we're both the same but you can take care of your family and even generations to come. its insane how we all have that mindset that its impossible to do whatever you want in life. the world is literally yours. think about the one person you wish you had their life. are you both not human beings? what sets you apart? you both put your pants on one leg at a time, you sleep, you eat and you laugh. we tend to forget that we are all the same and if one can do it, so can you. this person built a $6 billion empire from only $40. pushed by faith and delusion to be successful. i remember that day i went home and could not stop talking about it. i swear i did not sleep that night. long story short, i ended up going into ecom and im about to hit my first 6-figures in revenue milestone real soon. anyways its past my bedtime so ill cut this short. i met Daymond John, CEO and founder of FUBU and investor on Shark Tank. and that day really made me start thinking. moral of the story: believe & do. thats it. im nowhere close to where i want to be rn but if i told myself from a year ago the things im doing right now, i'd lose it. make your future self proud

If your someone in ecom looking to make money, i strongly suggest listening to this podcast on open residency Joel Kocher who is the founder of the multi 9 figure brand “Total Beets” or Humann (rebrand), and he seriously changed my perspective on this entire ecosystem all us young money chasers are in The need for quick feedback and fast cash is only getting bigger and bigger. but impatience is the killer of a long lasting business before launching total beets Joel spent 18 months doing clinical trials and tests to perfect their formulas, creating something that actually works and is meaningful to him on the contrary you have drop shippers kalo ripping oil of oregano with disease claims doing $100k days in 3 weeks which would you prefer? if im being honest building something impactful and meaningful will be 10x more fruitful than any fast cash you can give me i may be tied up in the ecom ecosystem but i cannot wait to use the skillset and build something great.

life after discovering how to use AI in ecom

ngl supplement creatives are just fun to make 👀 recent work 🔥

glycine makes you 2x more beautiful… got pimples, dry skin or redness? you might just be missing this glycine: – reduces inflammation & redness – improves skin hydration & elasticity – builds collagen (your skins building-block) studies show up to 200% more collagen production with consistent glycine intake imagine spending a FORTUNE on skincare when you could pay a fraction for real results.