thoughts & money talks.
Joined December 2024
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The SAVE student loan repayment plan ended after a court order in March 2026.
MOHELA says affected borrowers may have 90 days from their notice to choose another repayment plan.
So if someone built their budget around one payment arrangement and that arrangement disappears, what are they supposed to do next?
HOW ARE PEOPLE SUPPOSED TO PLAN THEIR FINANCES WHEN THE RULES CAN CHANGE UNDER THEM?! CAN SOMEONE EXPLAIN THIS LIKE I'M IN KINDERGARTEN?
Voss ×͜× retweeted
Everything you missed in crypto last week
BTC fell below $80K, hitting a low near $79.2K after failing to hold its rally toward $85K.
Bitcoin ETFs recorded heavy outflows on Oct. 22, with $635.5M leaving in a single day.
Bitcoin liquidations exceeded $800M in 24 hours as the market sell-off intensified.
Kimchi joined Pump.fun for creative direction, triggering controversy over token launches and wallet allocations.
Bubblemaps challenged Kimchi's claim of making $40M on $TRUMP, reporting approximately $6M instead.
A token promoted through Kimchi's account surged before crashing, adding fuel to the #BOYCOTTPUMPFUN backlash.
Playboi Carti's X account added a Pump.fun link, and $CARTI reportedly surged before collapsing.
Rabby Wallet faced criticism over its Hyperliquid referral code, with claims circulating about millions in referral earnings.
A court dismissed the $LIBRA case against Javier Milei, but the ruling should not be interpreted as proof that every aspect of the token's launch was legitimate.
$IRYS surged over 1,300%, triggering significant short liquidations.
Meanwhile, across the wider crypto market:
Switzerland approved its first retail Bitcoin ETF, expanding regulated access to BTC.
BlackRock filed for a Bitcoin ETF designed to provide downside protection.
Ethereum ETFs suffered approximately $225M in weekly outflows.
MARA Holdings transferred 1,000 BTC, worth roughly $82.8M, to exchanges, sparking speculation about a potential sale.
The Initia network was halted following an exploit that reportedly drained around $2.6M.
The Drift exploiter moved $109M through Tornado Cash over two days.
HSBC introduced RedCoin, a stablecoin initiative for PayMe users in Hong Kong.
JPMorgan brought tokenised money market funds to Solana.
Aerodrome and Velodrome announced a merger into Aero DEX, spanning seven chains.
Approximately $337M in token unlocks were scheduled across crypto projects during the week, including major unlocks involving LayerZero.
MemeCore, $ENA and $PEPE were among the notable gainers, while Starknet and several DeFi tokens suffered significant losses.
The bigger picture:
Bitcoin's decline highlighted how closely crypto remains tied to traditional markets, institutional ETF flows and macroeconomic uncertainty.
Meanwhile, memecoin controversies reignited questions about transparency, insider allocations and the risks of celebrity-driven launches.
What did I miss? 👀
I LOOKED AT MY RISING HEALTH INSURANCE PREMIUMS AND REALIZED I CAN NO LONGER AFFORD TO BE INSURED.
My plan charges $620 a month for a family tier with a $9,000 deductible.
That is $7,440 every single year just to keep the card in my wallet.
And if my kid breaks an arm, I still have to pay the first $9,000 out of pocket before the insurer pays a dime.
I asked the customer service rep what the $7,440 actually buys if I still pay for every doctor visit myself.
She explained that the policy protects against catastrophic worst-case events after the deductible is met.
I told her I understood the terms.
What I do not understand is paying $700 a month for healthcare and still being terrified of an emergency room visit.
WE ARE PAYING THOUSANDS OF DOLLARS A YEAR FOR HEALTH INSURANCE THAT LEAVES US ONE ACCIDENT AWAY FROM BANKRUPTCY.
I genuinely don’t understand why contractors keep exploiting homeowners who need basic utility repairs.
I was quoted $1,800 to replace a standard 40-gallon residential hot water heater.
Actual unit costs $550 at Lowe's.
The copper fittings and pipe sealant take about $40 in raw materials.
Job takes two hours of labor for a standard swap.
You are charging $1,210 in labor for 120 minutes of work.
That's an hourly rate of over $600. For what exactly?!
Nobody explains HOA fees the way they explain mortgages.
Say it $350 a month.
That’s $4,200 a year.
Ten years is $42,000, and that’s assuming it never goes up.
If you never touch the pool or the clubhouse. The bill is the same.
I’m not against paying for a shared road or a roof. Somebody has to.
But it’s a second housing payment that doesn’t build any equity for you.
A mortgage ends. An HOA fee doesn’t.
Paid off, but not done paying.
CAN SOMEONE EXPLAIN HOW THIS IS ACTUALLY LEGAL.
I just read how a health FSA works and I can’t believe it.
For 2026 the IRS lets workers set aside up to $3,400 of their pay before it ever hits their bank account (IRS Rev. Proc. 2025-32).
Don’t spend all of it by the deadline? The most a plan can let you carry over is $680, and carryover is optional for the employer.
$3,400 minus $680 is $2,720. Whatever is left past that is forfeited under the “use it or lose it” rule.
So a worker can put in $3,400, spend nothing, and walk away with $680 at best.
Yes, it’s pre-tax. That still doesn’t bring back $2,720.
A savings account does not take your own money back because you missed a deadline.
I DON’T CARE IF YOU’RE STOCKING SHELVES, I DON’T CARE IF YOU’RE DRIVING A TRUCK, I DON’T CARE IF YOU’RE ANSWERING PHONES... IF YOU GIVE AN EMPLOYER YOUR FULL WEEK YOU SHOULD BE ABLE TO STAY HOME SICK WITHOUT LOSING A PAYCHECK.
You’re a human being, not a machine that only gets repaired on your day off. Personally I don’t even know why this has to be a debate...it just shows how little thought people give to the person doing the work.
Something about prescription costs really bothers me.
According to KFF's March 2026 Health Tracking Poll, 27% of adults said they hadn't filled a prescription because of the cost in the past year.
Another 19% said they'd cut pills in half or skipped doses.
Overall, 43% reported at least one cost-related measure that meant they weren't taking medication as prescribed.
I understand that medicines cost money to develop and distribute.
But the entire point of getting a prescription is that someone needs the treatment.
A medicine that someone cannot afford is a treatment they may never actually receive.
An essential prescription drugs SHOULD have a strict out-of-pocket price cap.
I drove through the city bypass yesterday afternoon.
The overhead gantries listed an $8.00 toll for a five-mile stretch.
That works out to $1.60 per mile.
A regular gallon of gas costs around $3.10.
My car gets 28 miles per gallon, which means one gallon drives me almost six times farther than that whole toll zone.
So driving on five miles of public highway costs double the price of the actual fuel burned to cover the distance.
Are toll lanes managing traffic, or are they selling public pavement back to the highest bidder?
I don't think we talk enough about how expensive it is just to get to work.
Average household transportation spending reached $13,318 in 2024.
That's about $1,110 a month.
Transportation accounted for 17% of average household spending.
And that average includes households with very different incomes and commuting needs.
If you need a car to earn a paycheck, transportation isn't some optional lifestyle upgrade. It's part of the cost of keeping your job.
You can have a job and still struggle to afford the cost of showing up.
Employers should help cover commuting costs for lower-paid workers, period.
My girlfriend's doctor sent her to the imaging center for an MRI.
The bill came back: $2,400.
Insurance called it out of network.
We called. The rep said the doctor and the facility are separate legal entities, so network status doesn’t carry over.
I asked what we’re supposed to do next time.
Their answer: ask every provider, at the appointment, before the scan, whether they’re in network.
Same building. Different network.
The doctor who ordered the scan isn’t required to tell you it’s out of network. Should they have to? You definitely should.
Child care averages $13,184 a year.
Child Care Aware of America 2025 figure. That’s about $1,099 a month. Median household income is $87,460. Census.
CHILD CARE ALONE IS ROUGHLY 15% OF MEDIAN INCOME.
HHS has called 7% of income the affordable benchmark for years. Most families I know are well above that.
Is the 7% childcare affordability benchmark something you still hear discussed?
Can someone explain why people still think renting is automatically burning money?
Take a $1,000,000 house owned free and clear.
Keep the house. Pay $15,000 a year in property taxes, $4,000 in insurance, and $5,000 in maintenance. That is $24,000 leaving your pocket every year just to keep the lights on.
Or
Sell the house. Put $1,000,000 in Treasuries at 5%. Draw $50,000 a year in interest. Use $4,000 a month to rent a place.
Your rent is 100% paid for by interest, and your $1,000,000 principal never shrinks by a single dollar.
One option drains $24,000 in unrecoverable costs every year.
The other generates enough cash flow to live for free.
Why are we still pretending homeownership is the only way to build wealth?
Voss ×͜× retweeted
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- Perps PNL does not count toward this competition
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This is a HUGE competition, do not miss out.
My coworker ran the numbers on going back to work full-time after maternity leave.
Childcare quote came back at $1,140 a month around the national average ($13,184 a year per Child Care Aware).
She makes $42k. After taxes and health insurance, her take-home is roughly $2,650.
Childcare alone eats 43% of her take-home before rent, groceries, gas, or anything else.
She informed HR of her interest in part-time work, they countered that she would lose benefits.
But she's already LOSING most of her paycheck.
A lot of parents aren’t CHOOSING to stay home.
They’re looking at the math and realizing the job is mostly a pass-through for the daycare center.
I renewed my car registration online.
The fee was $87.
Then the site added a $12 “convenience fee” for paying by card.
I switched to the bank account option. It still charged $9.
I called and asked why there’s a fee to pay a fee the state already requires.
The person said the payment processor is a private company and the fee covers their cost of handling the transaction.
I asked if there’s a way to pay with no fee.
“You can mail a check. It takes 4–6 weeks and you risk driving with an expired registration if it doesn’t process in time.”
The state requires the registration. The only practical way to pay it includes an extra charge that doesn’t go to the state.