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Nick Maggiulli
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Imagine having $1.66M in T-bills in 1987 and your income goes from $300k per year (in 2026 dollars) to less than $3k per year by 2021. "T-Bill and Chill" is a terrible long-term strategy
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19 September
Economics professor at the University of California, Berkeley and a former Deputy Assistant Secretary of the US Treasury. Author of Slouching Towards Utopia and writer of the Grasping Reality newsletter.
Their words
And more than half the rise in the top 1% share since 1985 flowed through the pass-through businesses that was a "tax efficiency innovation" feature of the Reagan Revolution.
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braddelong.substack.com
18 September
Mac and iOS developer at the Iconfactory, where he has worked on apps including Twitterrific and Tot. He writes about development at furbo.org.
A cold chill ran down my back when I thought about my banking and financial apps running on iPhone Duo. Related
17 September
Former options market maker who writes Moontower, a newsletter on trading, volatility, decision-making and how to think about risk outside markets too.
Co-sign Dave & Jon are media personalities with pointed views because that travels even though plenty of room for reasonable debate in between. For most of us debate is a waste of time. We have bills to pay not crusades to fight. Pick whatever view makes your life better. Related
Prime Minister of the United Kingdom since July 2026 and leader of the Labour Party. MP for Makerfield since a by-election in June 2026; Mayor of Greater Manchester from 2017 before that.
We're putting power into communities across Britain by backing them to build and control their own clean energy supply. That's good for bills, good for local economies and good for tackling the climate crisis. theguardian.com
energy Related
14 September
Creator of Homebrew, the macOS package manager, and a Swift developer.
CEOs at companies with shareholders can NOT make decisions that may lead to outcomes that are negative for the company’s bottom line. Hence even though it seems bizarre they are asking the government to force them into decisions that are negative for the company’s income. Quoting @walterkirn The AI CEOs are free to hobble or scuttle their own products if they feel they're so dangerous. They don't need the gov't. They don't need legislation. government Related
Economist specialising in global income inequality; formerly lead economist in the World Bank research department, now at the CUNY Graduate Center and author of the Global Inequality and More newsletter.
Their words
Income of capitalists is likely to increase because AI companies are owned by actual people and these people, like shareholders in general, are well-off. Thus the rise in the capital share also means rising incomes of the rich and higher inequality of income.
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branko2f7.substack.com
12 September
Former L8 engineer at Meta, Microsoft and Atlassian, now writing and building solo on agentic engineering. Writes Kun's Field Notes and posts a lot about AI coding agents on X.
github actions in my oss repos suddenly stopped running today i had opus 4.8 look into it, it spent ~$10 worth of tokens and insisted that either i haven't paid my bills or there's a github outage switched to grok 4.5 and just 3 minutes in with $1.2 worth of tokens, it found there's a surge of CI runs in my firstmate repos starving all the allowed runners across my account, cancelled a bunch of them, and everything's back on track this is just an anecdotal example but i've had many positive experiences like this. people ask me why i default to grok and this is why Related
11 September
Co-founder and chief investment officer of Cambria Investment Management. He has written several books on quantitative asset allocation, blogs at Meb Faber Research and hosts The Meb Faber Show.
𝗕𝗼𝗻𝗱𝘀 𝗯𝗲𝗮𝘁 𝗡𝗮𝗽𝗼𝗹𝗲𝗼𝗻, 𝘁𝗼𝗽𝗽𝗹𝗲𝗱 𝗮 𝗽𝗿𝗶𝗺𝗲 𝗺𝗶𝗻𝗶𝘀𝘁𝗲𝗿, 𝗮𝗻𝗱 𝗺𝗮𝗱𝗲 𝗧𝗿𝘂𝗺𝗽 𝗯𝗹𝗶𝗻𝗸. 𝗕𝗼𝗿𝗶𝗻𝗴 𝘁𝗵𝗲𝘆 𝗮𝗿𝗲 𝗻𝗼𝘁. My guest today is Robin Wigglesworth (@RobinWigg), editor of @FTAlphaville and author of A Fabulous Debt, a thousand-year history of the market that sets the price of everything else. We get into: • An Austrian 100 year bond that lost 80%, while a defaulting Argentina paid off better • Why T-bills feel safe but can lose you 50%+ in real terms after inflation • Is private credit the next systemic blowup? • Why the $12 trillion repo mar… inflation Related
Writes Stratechery, a subscription newsletter on the business and strategy of technology, and hosts the Dithering and Sharp Tech podcasts.
10 September
Co-founder, chairman and chief investment officer of Ritholtz Wealth Management. Hosts the Masters in Business podcast for Bloomberg and wrote How NOT to Invest.
Co-founder and chief investment officer of Cambria Investment Management. He has written several books on quantitative asset allocation, blogs at Meb Faber Research and hosts The Meb Faber Show.
Real current drawdowns in fixed income: TIP 19% T-bills 20% AGG 25% LQD 27% IEF 32% TLT 55% Zeros 😱😱 If you respond yEs BUT i iNveSt in InIDVIDual BonDs so I don't have this problem you're going to get blocked. via totalrealreturns.com
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Programmer and writer; co-founder of Stack Overflow and Discourse, and author of the Coding Horror blog, which he has written since 2004.
Basically we need diversity in wealth, rather than intense, unprecedented wealth concentration. I like to think of it as Y Combinator for the rest of us. Guaranteed Minimum Income is investing in the most vulnerable among us – those who are currently suffering the most. You might be surprised what these folks are capable of when you give them the resources they need to do more than just survive. rgmii.org
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9 September
Front-end developer and writer; co-founder of CodePen, founder of CSS-Tricks, and co-host of the ShopTalk Show podcast.
I'm down for this. Don't super love the admin bar and how it has to push down the site forcibly. This is way more chill. Quoting @wordpress.org The WordPress Browser Extension hides the admin bar while keeping its shortcuts close. It can recognize WordPress sites, open saved sites, and add testing tools in the browser. Available for Chrome, Chromium-based browsers, and Safari on macOS. wp.me/pZhYe-5xg #WordPress Related
7 September
Managing partner at Ritholtz Wealth Management. Writes the blog The Irrelevant Investor and co-hosts the Animal Spirits podcast with Ben Carlson.
Talk Your Book: AI Winners & Losers Sponsored by Shelton Capital Management Every Retirement Is Different. So Is Our Approach. Two actively managed ETF solutions designed to work together to pursue income, growth, and greater confidence in retirement. Exp…
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4 September
Managing partner at Ritholtz Wealth Management. Writes the blog The Irrelevant Investor and co-hosts the Animal Spirits podcast with Ben Carlson.
JavaScript programmer; creator of the jQuery library, author of Secrets of the JavaScript Ninja, and long-time engineer at Khan Academy.
A little experimental game I'm making: carving Japanese-style woodblock prints! Wanted something chill, atmospheric, but most importantly: accurate to the actual experience of carving woodblocks! Still messing around with it but I've been having fun building it! Related
3 September
Writes The Pragmatic Engineer, the software-engineering newsletter, and wrote The Software Engineer's Guidebook. Formerly an engineering manager at Uber, and at Microsoft/Skype and Skyscanner before that.
Co-founder of Y Combinator and Viaweb; essayist at paulgraham.com.
startups
Their words
Everyone always asks me like with all this AI is anything still the same? And the answer is so far almost everything is exactly the same. The only weird The only weird new thing is that companies have these giant AI bills.
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youtube.com
2 September
Managing partner at Ritholtz Wealth Management. Writes the blog The Irrelevant Investor and co-hosts the Animal Spirits podcast with Ben Carlson.
Animal Spirits: The Next Michael Burry Sponsored by Shelton Capital Management Every Retirement Is Different. So Is Our Approach. Two actively managed ETF solutions designed to work together to pursue income, growth, and greater confidence in retirement. Exp…
Related
31 August
Founder of Trilogy Software and principal of Alpha School, the private school network built around two hours a day of AI-delivered mastery learning.
America
Their words
The single biggest indicator of your performance is your family income. You can predict somebody's test scores basically.
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youtube.com
28 August
Founder of Platformer, a newsletter on tech platforms and the people they affect, and co-host of the Hard Fork podcast at the New York Times.
AI and jobs
Their words
I don't think that universal basic income on its own will address the gap that's widening.
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platformer.news
25 August
Researcher and science writer. Co-founder and editor at Works in Progress magazine, formerly a researcher at Our World in Data, and author of the Scientific Discovery newsletter on science, global health and medical innovation.
23 August
Dutch bootstrapper who builds and runs their internet startups alone — Nomads.com, Remote OK, Hoodmaps, Photo AI and Interior AI — and has written about it at levels.io since 2013. Posts as @levelsio.
Europe
Their words
European governments and thus the EU too is losing lots of tax income from Europeans fleeing Next on the agenda is the European Exit Tax and after that I think they will try to add Worldwide Income Tax (like the US already has) meaning it doesn't matter where you live in the world as a European citizen, the EU will tax you for your entire income!
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levels.io
21 August
Writer and former Substack product manager; publishes essays and interviews on technology, culture and China at jasmi.news.
we're going to see a growing gap in the politics/policy of data centers e.g. Shapiro has to use combative rhetoric to meet the moment — but he's not doing a moratorium or banning subsidies. his standards are comparatively chill it's a sign that it's politically toxic to seem "soft on AI" Quoting @GovernorShapiro BREAKING: I just signed an Executive Order implementing the strictest standards in the nation for AI data centers — because I will not allow Pennsylvanians to be bullied by greedy developers and bulldozed by the lawyers working for these big tech companies. Effective immediately, we’re requiring AI… data centers Related
Investment researcher and engineer who runs Lyn Alden Investment Strategy, writing on macroeconomics, currency systems and equity analysis.
Ironically my most successful job interview ever was the one I was least prepared for. It was last minute, basically no chance to get it, and I dropped all pretense and was just brutally honest and chill. Got the job. Related
14 August
Writer and podcaster; co-author of Abundance with Ezra Klein, a staff writer at The Atlantic from 2008 to 2025, and host of the Plain English podcast.
11 August
General partner at Benchmark Capital for over two decades; was the lead analyst on Amazon's IPO before moving into venture capital. Writes Above the Crowd on tech and marketplace economics.
Different states, counties, and cities trying different things. Beautiful and effective competition of policies. I doubt any tax bills are going down in NY State. Quoting @SaraEisen In Loudoun Virginia home to more than 200 data centers, tax revenue from data centers has exploded. As a result, over the past 10years, they lowered the real property tax rate every year from $1.145 in tax year 2016 to $0.805 cents per $100 in assessed value for 2026. Related
5 August
Web standards author and speaker; wrote the CSS: The Definitive Guide series and co-founded the An Event Apart conference.
The first 11 minutes of The Flipbook of the Rings is out (“Chill Edition”). youtu.be
Related
3 August
Writer and academic, author of The Cult of Smart and How Elites Ate the Social Justice Movement; writes a daily newsletter on politics, education and culture.
27 July
Software engineer, Wikipedia editor and crypto critic; writes Citation Needed and runs Web3 is Going Just Great.
24 July
Freelance web developer and instructor. Author of the Dive Into Docker course; writes tutorials on Docker, deployment and development environments at nickjanetakis.com.
1 July
Software engineer, Wikipedia editor and crypto critic; writes Citation Needed and runs Web3 is Going Just Great.
30 June
Writer of the personal-finance blog Of Dollars And Data and author of Just Keep Buying and The Wealth Ladder. Chief Operating Officer at Ritholtz Wealth Management.
Is $5M in Treasury Bills enough to be set for life? Kevin O'Leary (Mr. Wonderful) says yes. History says no. O'Leary is right...but not for the reason he thinks. My latest: ofdollarsanddata.com
Related
29 June
Writer and climate campaigner; wrote The End of Nature in 1989, founded 350.org and Third Act, and writes The Crucial Years.
4 June
Economist at Oxford's Global Priorities Institute; works on what advanced AI would do to growth, saving and the long-run economy.
Their words
but of course, that's not what's happened, because as we've accumulated more wealth and you know, more advanced machines and and so on, we've expanded the range of things other than singers to spend our money on, and the share spent on singers has stayed sort of negligible. Um so likewise, that's sort of my central prediction about how future unfolds, though I it could go either way.
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youtube.com
Behavioural economist at Chicago Booth, professor of behavioural science and economics and director of AGI economics at Google DeepMind.
From one piece
The better AI gets, the smaller its share of the economy might get – Alex Imas and Phil Trammell
2 beliefs, in the piece's order there
Their words
I think the biggest lack of resources that we have allocated in the economic profession is thinking about middle-income developing countries in the in the age of AI.
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youtube.com
AI and jobs
Their words
Like right now we're endowed with labor that can turn into uh that can turn into income. When that is no longer the case and we are now at the mercy of the of the elected official for like basic needs, right? So that to me feels like a power sharing arrangement that's really dangerous.
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youtube.com
2 June
Canadian bootstrapper and writer on small software businesses. Co-founder of the podcast hosting company Transistor.fm and author of the book Marketing for Developers.
1 June
Co-founder and CEO of Anthropic; previously VP of research at OpenAI.
22 April
Researcher on distributed systems and local-first software at the University of Cambridge; wrote Designing Data-Intensive Applications.
Their words
there I feel like in academia, I have the freedom to work on things that go against this commercial incentive of companies and say like, "Actually, no, I'm going to do what I think is right for the users."
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youtube.com
2 April
Economist specialising in global income inequality; formerly lead economist in the World Bank research department, now at the CUNY Graduate Center and author of the Global Inequality and More newsletter.
22 March
American senior staff engineer working on developer and user experience and open source; writes at adamdehaven.com.
Bluesky Can everyone just chill for like a week? Just a week. Chill. We don’t need to ship anything. Let it all sink in. Related
x.com Can everyone just chill for like a week? Just a week. Chill. We don’t need to ship anything. Let it all sink in. Related
12 December 2025
Software engineer in Chicago; writes the cassidoo.co blog and a weekly developer newsletter.
Their words
Good Hang with Amy Poehler: I think this is a wildly popular one now for a reason, it's very fun and I just love how it's chill and mostly comedians hanging out.
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cassidoo.co
10 October 2025
Pen name of the Canadian-American writer behind mrmoneymustache.com, a blog on frugality, early retirement and index-fund investing that has run since 2011.
I'm overdue for a @Betterment experiment update, but I really like these monthly emails. None of my other brokerages does it nearly as well. Also: Wooohoo to my dividend income alone having surpassed my $1000/month auto deposit! This is where your wealth really becomes a Snowball. Related
Writes on effective altruism, energy and the arithmetic behind arguments people repeat — including how much electricity a chatbot query actually uses.
29 May 2025
Runs global health R&D at Open Philanthropy; writes about the science and medicine that could exist and does not.
21 April 2025
Energy and decarbonisation analyst; publishes an annual chart deck on the state of the transition, and was chief content officer at BloombergNEF.
11 April 2025
Researcher and science writer. Co-founder and editor at Works in Progress magazine, formerly a researcher at Our World in Data, and author of the Scientific Discovery newsletter on science, global health and medical innovation.
21 March 2025
Writer and former McKinsey/BCG strategy consultant; author of The Pathless Path and Good Work, about leaving the default career track. Publishes the Boundless newsletter and podcast.
Their words
This book is a short but inspiring take on living life on your terms while being pragmatic about money and how to make it happen. Reminds me of a less travel-centric Vagabonding.
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pathlesspath.com
21 January 2025
Development economist; writes Global Developments, on growth, history and the numbers behind them.
Their words
At independence, South Korea and Taiwan had far higher rates of primary education than most of Sub-Saharan Africa.
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global-developments.org
19 January 2025
Historian at Stanford and the Hoover Institution; wrote Milton Friedman: The Last Conservative and Goddess of the Market, on Ayn Rand.
Their words
And Friedman advanced a policy that was really abstract and really it was devoid of judgment. It was pure and beautiful in that way but utterly impractical.
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youtube.com
2 December 2024
Scottish crime writer, author of the Tony Hill and Karen Pirie novels; former journalist and broadcaster.
Royal Literary Fund applications for hardship grants for professional writers rose almost five-fold to 400% in the first financial quarter of 2024. RLF makes grants to authors who have traditionally published at least two books who are experiencing “reduced income” or “a change in circumstances”. Related
1 October 2024
Co-founder and CEO of Anthropic; previously VP of research at OpenAI.
4 August 2024
Investment researcher and engineer who runs Lyn Alden Investment Strategy, writing on macroeconomics, currency systems and equity analysis.
1 June 2024
Moroccan senior frontend developer writing at smakosh.com; builds side projects and client work under Smakosh LLC.
Their words
Google sheets - for calculating expenses/income
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smakosh.com
9 December 2023
Social scientist turned small-scale farmer; wrote A Small Farm Future and argues against the case for feeding the world from factories.
Their words
My wife and I have averaged a joint annual income of £5,500 from the market garden over the last ten years.
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chrissmaje.com
12 October 2023
Data scientist at Our World in Data and author of Not the End of the World. Writes By the Numbers, working through energy and climate questions with the numbers in front of them, and revising in public when they say something unexpected.
29 June 2023
Programmer; founded comma.ai and tinygrad, and was the first to unlock the iPhone.
AI and jobs energy
Their words
You can make survival guaranteed without UBI. What you have to do, is make housing and food dirt cheap. Right? And that’s the good world. And actually, let’s go into what we should really be making dirt cheap, which is energy.
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youtube.com
8 May 2023
Professor of psychology at the University of Toronto and Brooks and Suzanne Ragen Professor Emeritus at Yale. Author of Against Empathy, The Sweet Spot and Psych, and writer of the Small Potatoes newsletter.
24 June 2019
Creator of the Zig programming language; president and lead developer of the Zig Software Foundation.
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A korrent is a belief a person has stated in their own words: one
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