Z
Zillow Group, Inc. Class C Capital Stock
stock NASDAQ

Wir sind in der umgekehrte Situation (ich bin der "reichere" und sparsamere Teil), wir hatten auch Mini-Streiten aber alles wurde viel besser als wir eine Übersicht unserer Ausgaben gemacht habe.
Man muss für ein paar Monate, idealerweise ein Jahr*, alle Ausgaben nach Kategorien aufschreiben (Excel / Google Sheets ist genug), und dann ein Sankey mit SankeyMatic o.ä. machen.
Damit sieht man, worüber man redet.
Für umstrittene Ausgaben definiert man zusammen die Prioritäten und ein Budget. Z.B. meine Frau hat 600 EUR/Jahr für "Schönheitsausgaben" (m.M.n. nutzlos, weil sie schon wunderschön ist) und soweit ihre Ausgaben in diesem Rahmen bleiben, sind wir beide zufrieden.
Und wenn ihr beiden in eurem Budget drin bleibt aber deine Frau mehr spart, kann sie früher aufhören, zu arbeiten 😉

I am a BTC enthusiast and hold a considerable amount of my capital in BTC. In periods like this, when the short-term trend is not clear, I try to remind myself why I am holding. I created an investment thesis to read when I start to doubt my decision. I hope it will help someone too. Please share your thoughts and maybe you have any additional points to my list. Here it is:
- Intergenerational wealth redistribution.
Currently, approximately 50% of global wealth is held by Baby Boomers, a demographic exhibiting the lowest cryptocurrency adoption rate at around 5%. However, by 2035, Generation Z and Millennials, who represent the most crypto-friendly generations to date, are projected to become the wealthiest demographic due to intergenerational wealth transfer. This shift is anticipated to result in a significant redistribution of capital across various asset classes, with cryptocurrencies poised to be a primary beneficiary.
- Widespread adoptation.
The widespread adoption of Bitcoin, encompassing institutions, governments, sovereign funds, and family offices, signifies its emergence as a leading asset within a new asset class. Bitcoin has transcended its origins as a niche asset for cryptography enthusiasts and now represents a dynamic and significant component of the modern financial landscape.
- ETF
Exchange-Traded Funds (ETFs) enable a wider range of investors to access Bitcoin. Many institutional investors face restrictions on their investment strategies due to their investment mandates (limitations on specific instruments, asset classes or ratings). While direct acquisition of spot Bitcoin is often prohibited for most institutions, some are permitted to invest in ETFs. The unprecedented growth in the Assets Under Management (AUM) of Bitcoin ETFs demonstrates their effectiveness as a vehicle for institutions to gain exposure to Bitcoin.
- Pension funds
The long-term appreciation potential of Bitcoin positions it as an ideal asset for pension funds globally. These institutions collectively manage a significant portion, up to 20%, of the world's wealth.
- Deglobalization
In an era characterized by the fragmentation of the post-World War II global order, we are observing clear indicators of deglobalization. As we navigate the initial phases of this evolving global landscape, capital mobility is anticipated to encounter increased restrictions and complexities. Bitcoin, in this context, assumes a distinctive role as an asset beyond the control or sanction of any single entity.
- Debasement
The debasement of fiat currencies is an inevitable consequence of global M2 growth, which further exacerbates inflationary pressures. In an economic environment where GDP growth lags begind the growth of M2 money supply, the value of Bitcoin, with its finite supply, is projected to appreciate significantly when denominated in fiat currency.
- Social inequality and socialism
The increasing prevalence of AI and robotics is projected to contribute to a rise in social inequality over the medium term, potentially fostering an environment conducive to the growth of socialist ideologies. This shift could lead to a broader electorate favoring socialist policies, thereby moving the political landscape towards the left. In response, HNW individuals may seek to acquire assets that are resistant to nationalization, appropriation, or seizure, with Bitcoin being a notable example of such an asset.
- Bonus: Aliens?
Should the existence of an Aliens be confirmed, a reevaluation of physical commodity prices would be necessitated. This scenario could introduce volatility into the gold market while simultaneously enhancing the appeal of Bitcoin as a "digital gold."

US credit rating will be Z by 2028

tldr; Newrez, a major U.S. mortgage lender managing a $778.3 billion portfolio, is now considering Bitcoin and Ethereum as assets for mortgage qualification. Targeting younger generations like Gen Z, the company aims to recognize digital assets as reserves for mortgage obligations, applying a discounted valuation due to volatility. However, payments in crypto and self-custodial wallets are not yet accepted. The program, starting in February, also includes stablecoins backed by cash, with plans for future expansion.
*This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

\*\*1990 American Silver Eagle\*\*
Details: It's a silver eagle.......
Price: $98
Poof: https://imgur.com/a/rYwchsB
Shipping: $5 via USPS Ground Advantage.
Payments: Venmo or PayPal FF.
Other Stuff: If A is 64, and B is 32, then why is Z almost to the moon?
Hint: Taylor Swift, guess it right for $1 off. Bacon works too, but diamonds are forever.

Oracle calls incoming 📞📈

This is basically the most expensive way possible to tell Gen Z they can keep their dance videos while Larry Ellison prints money in the background

Es ist halt keine Satire mehr wenn das eigentliche Ziel der Ragebait ist... die verdienen damit Geld.
Bei einem guten Sketsch oder gut gemachter Satire hat man im Normalfall die Pointe bzw. den "They Had Us In The First Half" Effekt am Ende.
Das wissen sie auch selbst, davon haben sie selbst genug content. (Z.B. wie sie ihrem Kleinkind Energy Drinks zu trinken geben zu "Was wollen sie trinken" um dann aufzulösen, dass die Dose ausgewaschen und mit Wasser gefüllt war.
Dann lässt man die Auflösung weg und et voilà rage bait... dann gibts die Leute wie dich die dann darunter Kommentieren müssen wie offensichtlich das doch alles ist und ihr Ego daraus beziehen das sie natürlich auf sowas nicht reinfallen -> more engagement, more money.

Your children can inherit your crypto. Their cost basis becomes the FMV of the crypto on the day you pass. You can simply specify it in your Will. Doesn’t have to be very specific unless you want it to be - could be as easy as crypto portfolio to children equally, or each child gets X, Y, Z percent. Alternately, you don’t need to specify anything and just let it be taken care of by the residuary clause.
Not sure how “gifting” crypto works. With USD, there’re tax free limits per year. For crypto, dunno if you’d have to convert to USD first, which would create taxable events. Maybe someone who knows can clarify in a response.
You can gift someone shares of stock you own. This typically requires completing a transfer request form through your brokerage. When gifting stocks, the recipient is stuck with your original cost basis for future capital gains calculations, so I imagine that gifting crypto, if possible, would also use your existing cost basis.

Both China and US have a demographics problem. ICE is there because immigration essentially is a demographics problem to them. In the Philippines and Filipinos the blindfolds are harder to undo because of English use and colonial brains. Only Filipinos really think like this, total american colonialist lapdogs. India and Ph are the asian states where western culture penetration is high in media and cultire because English content from them just naturally flows with little friction. Regardless chinese culture pemetration is higher in other asian cultures who do not speak english.regardless, Chinese culture is starting to penetrate Gen Z filipinos as a gen z myself, e.g. chinese songs , chinese outfits, these are things only Gen Zs would do in ph but you'd never see genx dance to chinese tiktok songs.

I've just gotten the same email but without the screenshots part. They want me to write a detailed explanation of my trading strategy. That's really annoying because I don't trade mechanically by following X,Y,Z. I trade discretionally (of course still using confirmation bias and price action etc). I did the song and dance and wrote whatever I could. However, they really really stressed me out and it made me think I'm never getting paid out, what's the point etc and I almost blew my accounts today out of desperation or I don't even know what.
I read a few comments here, saying that's exactly what they want - to simply scare you. Well, they did. In this stupid behaviour of mine, I broke the 30% negative unrealised PnL rule. My accounts, by some miracle, were saved and I ended up on a small loss for the day.
IF I DO end up making the target and request, I'll update this. I expect to get denied because of the 30% negative unrealised PnL rule, however I hope to float the accounts for another 8 trading days and get paid? We'll see.

Die Umstände im Team passen von A bis Z und ich höre auch, dass es nicht in der ganzen Firma so abläuft - sehr abhängig vom Team. Team ziemlich stabil (keine Kündigungen, eher Zuwachs)
Und es nicht zu schätzen wäre unfair. Mein Problem ist nur das Gehalt

You misunderstood what I meant. I have dabbled in AI "literature". No Claude, no Gemini, ChatGPT not even remotely close, are good for any kind of creative writing. It is all painfully full of slop, the same repetitive phrases and idioms. Everything smells of cinnamon and sandalwood (add another 4-6 options, with nothing else ever), everything happens deliberately slow, everything is "Not X. Not Y. But Z." and so many more, I would need longer than I care to write them all out here.
It is because, as far as I know, LLMs are all trained to write on OLD old literature, since they don't have the rights to newer texts, let alone the fact they do not care about that side of it. Coding makes more money, than the ability to actually create a well written story, even if I am convinced they would make silly money on the consumer side, if they worked on allowing well-written smut. Since porn makes the world go'round and I am convinced there is more than enough of a market for people to have their dream-characters make them swoon over text, even with brainrot going around like some disease nowadays.

What a crappy post, it literally just links to a tweet that says the same text. [this](https://www.forbes.com/sites/colleenbatchelder/2026/01/05/the-entry-level-hiring-crisis-is-getting-worse-in-2026/) is the article and the actual takeaway is 35% of entry-level jobs require 3+ years of experience, and 45% of employers post ghost jobs. The 2026 hiring crisis is hitting Gen Z hard.
I'm very well aware that the job market is dogshit but come on, post the link to the actual thing you're talking about ffs.

Deine Rechnung geht nicht auf. Fahr mal 800 km nach Italien Benzin + Verschleiß (wofür heutzutage mindestens 30 ct pro km veranschlagen muss) + Maut + ggf. Parken. Da bist du bei ner 4 Köpfigen Familie á 200€ für die Flüge = 800€ schnell mindestens beim selben Preis wenn du Auto fahren möchtest. Gern auch höher. (Z.B. durch erhöhten Benzinverbrauch bei Dachkoffer, größeres Gewicht durch Gepäck und 4 Personen)
Und Mietwagen brauch ich beim Hotelurlaub (gehe mal von AI aus) auch eher weniger.

“ The average age for a new hire in the U.S. has recently risen to about 42 years old, driven by an aging workforce, longer careers for older adults, and employers prioritizing experience in a selective market, reducing entry-level opportunities for younger workers (Gen Z)”
As jobs dwindle and companies refuse to hire, we’re going to hit a wall here soon. Many of us have already hit a wall. We got some 7.3 million unemployed people in this country and that number is rising. Nearly half of adults have no retirement savings. How could this possibly pan out?

Its been a fascinating progression, moving to age insults when you got the dates wrong, name calling and now bragging about your bank account like its a resume.
When all else fails falling back on the look how much money I have just comes across as a desperate attempt to buy the respect your logic couldnt earn. Its what we call posturing.
Its a shame your generational math is as bad as your Berkshire history. I said wasnt alive when Berkshire reached 7k not 30k. How did you get that so far off. gen Z werent born until around 1997. Yet you are lecturing me on ignorance. For someone who claims to be here for entertainment you seem remarkably bothered by being corrected**.**
Calling me too dumb isnt a rebuttal its just a classic sign that when you cant dispute the message, you dispute the messenger.

Thanks for your honesty. You are open and reflective and that's important when you're messing with money. I feel the same as you in some ways. My reluctance these days is due to the slobbering sycophants and their attempt to control government, business, politics, etc. There's more manipulation and corruption in crypto than almost anything else. BTC and the thousands of meme coins have lost their way. I look around and think there's so much evidence that Satoshi's message has been forgotten or corrupted.
I got into it the same time you did, in 2017. Today I'm a jaded hodler, watching as our leaders manipulate markets and minds. The US will one day regulate crypto for the benefit of the rich, which will be no different from what they accuse the bankers. When Binance's Z pad a billion to trump and was pardoned, the clinched it for me; the crypto world is no different from the fiat world people claim will disappear.
There are scammers, looters, liars and politicians in both, and the little guy will always lose. There's no protection for the littles. Crypto was supposed to be a great equalizer, help to give the poor access to resources. But, no one has made any serious attempts to get them on board, give them access.
"I'm still DCA-ing into Bitcoin. Old habits die hard. But I no longer believe it will change the world. I no longer believe we're early. I no longer believe the retail wave is coming."
This is me also. I'm still hodling, still I have some hope, but I think it'll be a long time coming, and lots of people will get scammed along the way.

I like the idea of Gen Z getting into the concept of central banking

legit most gen Z are on meds for something
guys can’t come now during sex

No other problem in any apps. I have the latest Samsung update for my Samsung Galaxy Z Fold 7. So most recent Fold phone.