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jacob Cheriathundam's avatar

Couple o' Thoughts (I was only expecting to do this to that one article two weeks ago but now my OCD has kicked in, and I feel the need to continue):

* it certainly seems that during the next 5 years, people's mentality will have to change from thinking about how to spend the hours in a day to how to spend the tokens in a day

* Re Friedberg's biggest mistake tweet: This is so on point. When Mitt Romney told the truth that "corporations are people," it was greeted with hostility because the vast majority of Americans have no connection to the private sector. Suppose you could align the incentives of capitalism to societal well-being...call it....wait for it....social capital. In that case, I don't think you'd have so many people arguing against private sector growth. We should caveat this with the concern that S&P500 growth follows a more extreme Pareto distribution, so maybe instead of investing it in the S&P 500, it should be invested in the S&P 100. On a related point, I think there's a general lack of understanding of how society works. Very few people know how government works, and very few know how the private sector works. If people understood them, I think there'd be much more appreciation for both. But this is the nature of the path of least resistance. It's faster & easier to be mad than to understand.

* Re You and Friedberg grinding: This was such a great segment but the caveat is that both of yall had great degrees to back it up. You may have been grinding, but you knew that being the fry cook isn't where your professional career ended. College used to unlock that life, and it just doesn't now. I think an ever-increasing part of America has no backstop, is living paycheck to paycheck, and is grinding hard with no prospect of NOT grinding. Grinding (for the purposes of this argument, grinding is restricted to work you dont want to do) in your 20s is one thing, doing it when youre over 40 is brutal. This isn't to minimize the incredible story you and many other people have, it's to emphasize that there is an ever increasing populace that doesnt see work as a way of leading to a way out.

* Two related points to the above: 1) the problem isn't that the low-skill jobs don't pay enough; it's that more and more older people are working low-skill jobs. The maturation of the industrial age led to the high school degree requirement to afford a good life, just like the tech revolution bumped that to a college degree requirement. The AI revolution will bump this again (although the education path may not be restricted to institutions). 2) I've noticed that my kids turn into demons when they've either had too much sugar, or they're bored. I'm not sure we ever grow out of that. I think a bunch of people in our country are under-educated and feel under-utilized; as a result, they are bored. Unfortunately (or fortunately), even when you're bored, your brain has calories it still tries to burn (i.e., searching for purpose). The burn cycle has made our country more susceptible to social engineering. For both of these points, society has to have a plan.

* Re Buffet dumping real estate: I bought my first place at the worst possible time. I remember thinking the prices made no sense, but people convinced me that real estate only went up. I was a baffoon. My place dropped by something close to 30%, and I could not offload it, so I was just trapped paying way too much for a place that wasn't worth it. I refinanced a few times as rates dropped, but that feeling of being stuck is awful. I was finally able to sell at almost break even 15 years later (2 years ago, so also around what I think will be the peak). Now my family needs a house, and I have aging parents & in-laws moving in to think about, so I need a bigger house. I haven't given in to the folks trying to convince me to do it because I believe a massive asset correction, as you alluded to on the pod, may get these assets to reflect actual value soon. However, given my previous situation, I KNOW that will hurt a LOT of people. Being stuck with the option of taking the massive credit hit and walking away from a house or staying in it for the next 20 years because you can't afford to move somewhere else are brutal options. There's going to be a need for an option for these people,e and there's going to be a need to prioritize people buying a primary house rather than homes as an investment. Maybe there's a creative way to do this without that restriction, but as the supply increases, we want families securing those assets, not companies/investors.

* Re Yamanaka factors/cas12&13/Alphafold/Stem&Muse cells: what happens when we solve biology? Are we shifting from symptoms management to problem solutions? I expect that we'll have an electronic human biology testbed (far more advanced biology-on-a-chip devices) in the next few years, and other countries aren't going to pump the brakes for safety as we do. The US healthcare system wouldn't survive if people went abroad for treatments at a fraction of the cost. The discovery/testing/application cycle is going to go parabolic (I only used that word because you recently did and it makes me feel that using the word, "exponential", feel hyperbolic (curve pun)). I anticipate a steady stream of breakthroughs coming to a point where we have a treatment for every biological problem (including aging) within the next 20-25 years. How does the current healthcare sector adapt to it (don't worry, I'm on it)? Just like the AI competition has gone global, I think healthcare will also.

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Chamath isgay's avatar

Why should SPAC scammers NOT be sent to an El Salvador prison?

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