Cuando te jubilas te haces miembro honorario de la Cofradía del Puño Cerrado
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Algunos somos socios fundadores 
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El tema es que lo de ahorrar/gastar no es un interruptor que podamos encender y apagar
Las hormigas siempre serán hormigas y las cigarras siempre serán cigarras
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El mundo capitalista confiando en todos los boomers recién jubilados para que aumenten el consumo y ahora resulta que NO habían contado con la cofradía 
.
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No creas. Yo he sido una cigarra muchos años gastando a mansalva y no me puse a ahorrar un poco y comprar el primer piso hasta pasados los 35 pudiéndolo haber hecho mucho antes. Y ahora a mis 45 me estoy volviendo devoto de la cofradía del puño cerrado.
Igual cuando consiga ser IF me vuelvo cigarra otra vez, como esos señores de 70 años con supuestas novias de 20 invitando a todo
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A mi me pasó algo similar, pero un poco antes. Hasta los 29 fui el Master Cigarra del Universo. Ahora he echado la solicitud de ingreso en la cofradía pero todavía no soy miembro de pleno derecho.
Yo creo que en el fondo, en lo más profundo de mí, hay una cigarraza de las grandes. Por eso quiero ser IF, para poder vivir del cuento dividendo, y no me importa ser hormiguita unos años para conseguirlo.
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Estamos revisando tu caso 
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Espero no acabar así 
Yo creo que si fuese IF viajaría más, leería más y seguramente me dedicaría a hacer voluntariado en alguna asociación benéfica. Como esas señoronas de la España franquista con collares de perlas XXL, abrigos de visón y bufandas de marta - en invierno aún hacía frío - que organizaban colectas para los pobres en el centro de Madrid con una sonrisa beatífica y cara de no haber sufrido mucho en esta vida.
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Acabo de releer un montón de comentarios trimestrales de fondos de inversión de 2016. Todos, sin excepción, describieron el mercado de valores como “alto”.
¡¡¡Que casualidades¡!!, lo mismo que se decía de BTC también en 2.016.
https://twitter.com/TCII_Blog/status/1781354170865344919
A wild risk factor for good investors is the concept of “escheation of an investment account”. Basically, if you have an investment account that you neglect to access for as little as three years in some states - the custodian and the state government can deem it abandoned and then sell the assets. Then, the state holds it in cash in your name.
Notable examples included many people who had Berkshire Hathaway $BRK.B stock certificates that, instead of compounding, were turned over to state governments unbeknownst to them and sold so they didn’t experience the compounding. Walter Schramm bought Amazon $AMZN stock and didn’t want to get affected by price quotes so he didn’t log in to his brokerage account … well, the broker turned it over to the State of Delaware where it was sold and he missed out on most of Amazon’s absurdly incredible performance.
At a minimum, property should not be declared “lost” on a three-year time frame when it is a passive ownership position. The “purpose section” of most state’s escheat laws state that owners have a responsibility to exercise their ownership, but that doesn’t apply when you are a passive, limited stockholder - wealth is created by allowing it to compound.
State laws should be changed to lengthen the period before escheating your stock holdings to the state, and there should be a robust “notice” period and I think we as Americans should require a court petition for amounts over a certain threshold before escheat happens.
I want your private property rights to be stronger. This is America.
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“If an S&P 500 stock doubles from a previous high within four years, backtests show it will double again within seven years in 83% of instances. It will only lose money in 6% of instances. Strong tend to get stronger is a critical investment lesson.”
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Tim se apunta al “buy at all time highs”?
https://x.com/TCII_Blog/status/1828897169396715936
Redistribución de la riqueza: “Tax unrealized gains so that every newborn gets 6000$” 
Since ChatGPT’s launch, Chegg has lost more than half a million subscribers who pay up to $19.95 a month for prewritten answers to textbook questions and on-demand help from experts. Its stock is down 99% from early 2021, erasing some $14.5 billion of market value. Bond traders have doubts the company will continue bringing in enough cash to pay its debts.
Though Chegg has built its own AI products, the company is struggling to convince customers and investors it still has value in a market upended by ChatGPT.
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