$100 a month. 8% a year. same person, two start dates
start at 22, stop at 65: about $447K
start at 35, stop at 65: about $149K
you put in $51,600 the first way and $36,000 the second way. that's $15,600 more out of your pocket
and it ends up as almost $300K more money
13 years of waiting cost more than the whole amount you'd ever deposit. that's what compounding actually does: the early dollars do most of the work
ALT Two lines: $100 a month at 8% from age 22 reaches about $447K at 65; starting at 35 reaches about $149K.
nasdaq 100 futures are down 1.6% this morning and there's no single thing to blame...
S&P futures are pointing about 0.9% lower, the dow about 0.6%
jobless claims just came in at 194,000, under the 200,000 expected
tesla beat on earnings last night and is still down about 5% premarket, partly because it cut its 2026 spending plan to about $20B from $25B
lam research did $8.22B in revenue last quarter, up 54% from a year ago, and is down more than 7%
so AI names are getting sold for spending less and for growing fast lol
p&g went the other way, $2.00 a share vs $1.88 expected, up about 2%
after the bell tonight: western digital, newmont, deckers & bloom energy
which one are you watching?
sources:
futures (markets insider, 8:27am et): markets.businessinsider.com/…
jobless claims (dept of labor): dol.gov/ui/data.pdf
tesla: finance.yahoo.com/markets/st…
lam research: sec.gov/Archives/edgar/data/…
p&g: cnbc.com/2026/10/22/procter-…
earnings calendar: earningswhispers.com/calenda…
1 bitcoin = 100,000,000 sats
"i can't afford a whole bitcoin" is like refusing to buy gas because you can't afford the whole station
ALT Text card: 1 bitcoin equals 100,000,000 sats; the smallest unit is one sat.
3.7 million btc are likely gone for good, per chainalysis
that's about 1 in 6 of the 21 million that will ever exist. lost keys are the strictest supply cut in crypto
ALT Horizontal bars: about 3.7 million btc estimated lost versus 17.3 million of the 21 million cap.
how i read an inflation report now vs a year ago:
then: "3.7%, everything's expensive"
now: gas up 9.1% in one month did more than half of it. energy up 20.4% in a year. core 2.6%. the only thing i watch is whether energy leaks into core
(BLS, September CPI)
4 steps for using AI on a lender's quarterly borrower package:
- pull rent roll & operating statement numbers
- check them against the covenants
- flag what's missing before anyone asks
- draft the watchlist memo for a human to edit
this is what i'm building at Northline
ALT Text card listing four steps: pull rent roll and operating numbers, check covenants, flag missing items, human edits the watchlist memo.
6/ anything with growing cash flow is holding up. anything that leaned on cheap debt is getting squeezed
7/ even the biggest allocators are adjusting: BlackRock's research arm upgraded (Oct 12) short-term Treasuries, calling it "a short-term risk management move."