this post was submitted on 02 Oct 2026
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It's like the Stanford marshmallow experiment. It's not willpower, it's that people have been taught that any money we save will be lost.
We're all expected to invest or lose money to inflation. But most of us don't know anything about investing. So we trust our money to some Wall Street type, and then get called stupid when we pick the wrong dudes. But you don't get called stupid if you just spend the money now.
It's even worse in the USA where everyone has the specter of medical debt hanging over us. You can do everything right and then just get a massive forever debt from which bankruptcy can't save you. Better to spend the money on a community that might appreciate it.
99% of account managers and financial advisors are just some dude. The only sensible thing to invest in is an index fund like VOO, SPLG, FXAIX, IVV, or for non-US stuff, VEU, VSS, or something else based on an index appropriate to your needs.
Genuinely, the best known growth strategy in a capitalist market is also the lowest-brain strategy. Buy an index fund, and then do nothing.
Everything else is just giving money to someone else to do a worse job on average.
You're not wrong, but do you hear yourself? That's a terrifying alphabet soup of complicated choices. And in the next thread we'll talk about AI IPOs dumping on the index fund suckers before a collapse.
Yes, it's alphabet soup, but no, the choices are not complicated.
In USA? Buy VOO.
Not in USA? Buy VEU and maybe VOO if you want.
And I pointed this out before that rich people inadvertently will end up becoming involved in politics, even if there was not interest or want to in the beginning or was never a goal; It's shocking how many of them end up getting to know their mayor at a personal level to leverage them.
Most don't leverage their local government for the better and it's rare to see it. It's rare that someone will like actually fund a food bank for a year and become involved in the community. Imagine having enough money to set a trust for a church to have an indefinite food bank? That would be so fucking cool, I would so do that if I had that kind of money to toss around. Or or or like buying old hospitals and completely demolishing them and putting up modern hospitals.