Founder and CEO of NextMD. A modern approach to Medicine https://xitter.cf/t.co/92UYulEDvV
United States
Joined May 2011
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Dave’s advice is geared toward your average person
Yes your money is probably far better off in stocks
But your average person will likely just spend the money
That’s kinda the show
A 63-year-old caller making over $140k/year called Dave Ramsey, insisting it's "smart math" to keep his 2% mortgage instead of paying off his last $92k:
Caller: "I have 12 years left on a 2% rate. My money makes 5% to 15% elsewhere. Why would I pay off a 2% loan?"
Dave Ramsey: "Because on a $100k balance, that 5% spread nets you $5,000 a year…… $400 a month. Most families spend $400 a month on pizza. That little spread isn't making you rich."
Caller: "But the math says..."
Dave Ramsey: "We studied 10,167 millionaires. Zero of them said they built their wealth by keeping a mortgage to invest the difference. Zero. Mortgage literally means 'death pledge'. The borrower is always slave to the lender."
Is Dave right that peace of mind beats math, or is this caller throwing away free money on a 2% rate?
Josh retweeted
The real 1-person billion-dollar company.
A solo smart, high-agency CEO + AI can have an outsized impact on the world.
Over the past few months, Anthropic scientists have engaged in deep research partnerships with six organizations developing new medicines. We've also begun drug discovery efforts of our own.
In doing so, we’ve learned much more about how Claude can support the many stages of drug development.
In this blog post, we share some early results from these efforts, and describe how this work fits in with our wider ambitions in the life sciences.
anthropic.com/research/early…
This is a pretty cool thing
Announcing No Limit: a bot building tournament hosted by @Sequoia, @citsecurities and @OpenAI.
Teams of 1 or 2 get 60 minutes to build a pokerbot from scratch.
Agents play thousands of games across six scored rounds.
Open to university students and recent grads (‘25 or ‘26).
Regionals in Boston, Pittsburgh and the Bay Area in early November. Top five teams from each fly to the Finals. $100K grand prize.
Josh retweeted
It's finally here. Our paralegal agents went live today (in beta!)
When you interact with @crosbylegal via slack, our agents will handle all paralegal-level tasks in seconds. You used to need to wait for one of our lawyers to free up. Now you don't!
LLMs still make mistakes, and we're a licensed law firm. It took months of perfecting personality, guardrails and abilities.
We'll add new paralegal functionalities every week for the rest of the year. Stay tuned
Josh retweeted
Founders Fund II is in a league of its own
a $220m fund from 2007 that has created $37.4bn
that's 183.5x per dollar at risk. The median across 408 ranked funds is 1.3x
1️⃣ Founders Fund II, 183.5x, @SpaceX
2️⃣ Bullet Time Ventures I, 53.3x, @Uber
3️⃣ Founders Fund III, 52.2x, @PalantirTech
more than 3x any other fund on the list. INSANE
Source: @JoinOdin via @hkanji
Is this skill or one SpaceX-sized bet? @foundersfund
If a VC is deeply interested in working with you, they will not ghost you or forget to get back to you.
EBIT is more important than EBIDTA
This is important for any first time buyer to think about for a small business
Josh retweeted
watching this for the billionth time and it’s still such a good movie. definitely one of my all-time favorites, and the soundtrack is heavenly
🎬 chef (2014)
Plot twist…
You run a hospitality company that charges and extra cleaning fee
its just bonkers the new policy @airbnb is trying to put in place. Putting the dishes in the dishwasher, taking out the trash, pulling the sheets off the bed....they are just standard things any normal person would do when staying at a house. Why wouldn't a host be allowed to say that?
Its a good add... That said, Tesla is worth $1.5 Trillion and Ford is worth $47 Billion
Ford could grow 300% in value and Tesla would be worth 10x more than them
The most common traits of successful founders in no specific order
1. Moves fast
2. Resourceful
3. Smart
4. Constantly learning
5. Willing to be proven wrong and learn from it
Some pretty cool perks
New perks for Atlas founders:
@supabase: up to $500 in platform credits
@elevenlabs: 12 months of free access
@cloudflare: $100,000 USD in product credits
@meetgranola: 12 months of Granola Business for up to 30 seats
@joinellis: 30-min consult + $2,000 off an O-1 or $1,000 off any other visa petition
@squarespace: 20% off your Squarespace website for the first year
@customerio: 1 year of Customer.io Startup plan and 50% the following year
Pretty insane
WTF, $3000 Samsung TV has an always-on mic, automatic content recognition, geo tracking, network mapping, and ships your data to Samsung + 400 partners.
Bro Rooted a brand-new 2025 Samsung TV after noticing absurdly targeted ads.
Firmware was locked down, so zero-days it was.
Got a root shell.
then found: always-on voice service, ACR, geo, full telemetry pipeline, and four separate DRM systems.
This isn’t a bug, It’s the product bro.
Typical school and college is usually built around being a good employee and following instructions
“I became a millionaire because I was homeschooled.”
Meet Maria Wendt, a successful entrepreneur who credits homeschooling for helping her build wealth.
Imagine if every child learned entrepreneurship, investing, and financial independence at a young age!
That’s why we’ve partnered with Brett Pike at @ClassicLearner to teach kids the wealth-building strategies used by wealthy families.
The next generation deserves this opportunity!
#Homeschooling #FinancialEducation
The dirty secrets of small businesses ETA is that this can be one of the few places buyers can get 5-10x leverage on their investment
This drives a lot of purchases
Starting from scratch is insanely hard (going through the slog right now)
But for a lot of these small SBA deals, it really is a buy vs. build decision
You have to be truly “built for build mode” (not just a clever pun)
But if you belong to the choice group of people who can execute (kudos to Brandon), your risk adjusted returns on capital may just be way better starting from scratch