Many new Twitter followers are (understandably) asking questions that I've answered sometime in the past. Hence, I hope this collection of threads and posts will be useful. I intend to keep this updated over time. //THREAD// 👇

"Buy Me A Coffee..." beggars lecturing others on how to best use money is rich.

These books are timeless ( Housel's The Art of Spending Money). If you've read these, you probably don't need to read any other personal finance books. Also I rarely read personal finance books now. Because when i've reached the destination, why should i bother with maps?

The DINK and non-DINK communities both seem obsessed with proving how happy they are. But in reality, neither side can truly experience the other life long enough to compare! DINK couples keep showcasing the travel, luxury spends, freedom, peaceful weekends, spontaneous plans, and all the fun they’re having. People with kids keep saying things like “having a child changed my life” or “there’s no greater happiness than raising a kid.” And both sides oversimplify things. A DINK couple will never truly know the joy, attachment, and emotional depth that a child may bring into your life. At the same time, people with kids will never know what life would’ve felt like with complete freedom, fewer responsibilities, more sleep, more money, a meaningful career, and far less daily stress. I often hear parents say, “DINKs will realise in their 50s or 60s what a bad decision they made.” Maybe. But that’s not universally true. Not everyone derives meaning from having children just because you did! Similarly, DINKs often assume kids are just stress, expense, and loss of freedom without factoring in the good aspects that kids can bring into their lives. Also, having kids is not automatically a happy ending either. You could sacrifice 20–25 years of your life, money, sleep, mental peace, and still end up with a child who grows up entitled, irresponsible, emotionally distant, or simply doesn’t value what you did for them. Parenthood has upside. It also has risk. Same for DINK life. Freedom can feel amazing in your 30s and 40s. But for some, that same freedom may later feel like emptiness or loneliness. Finally, people almost always defend the decisions they’ve already made! A DINK couple in their late 40s or 50s can’t easily admit, even to themselves, that maybe it was the wrong decision. Similarly, once you have a kid and that child is in this world, you can’t exactly go around saying, “Having a kid was a mistake.” So both sides keep justifying their choices, because admitting otherwise feels like losing. Understand the pros and cons. Figure out what genuinely makes you happy. This is one of those irreversible life decisions. Once you choose, you eventually have to make peace with that path.

Even as one half of a formerly DINK couple (now a rich and FIRE'd couple), i have absolutely no hesitation in denouncing these 4... They should all wear a burqa in public and spare us the trauma of seeing their vomit-inducing fugliness. 🤢🤮

Child poverty would end if those in poverty didn't reproduce. One generation solve if society had pragmatic common sense instead of an insatiable desire to virtue signal. The end.

They don’t care for the poor. They just envy the rich.

What if billionaires eliminated the homeless and poor? Far easier and faster. And then the politicians will be squarely catering to them billionaires instead of the millions of poor. Instead, the billionaire class creates jobs... the idiots.

I would instead beseech Musk to build gulags and put commies like Harry in there so that they can experience socialist utopia.

I think it's the greatest sign that humanity is free. And should be wildly celebrated. Freedom means different people make different choices with different outcomes. Feature, not bug.

While I don't care for Musk the person, I celebrate the world's first trillionaire - proof that capitalism is the way to build wealth. Yes, there are some flaws in capitalism to fix. But let's first fix the parasitic instinct to want others to share their fortunes.

Developing a proper garbage management system at scale (binning, segregation, recycling, disposal) and proper roads (lighting, signage, markings, parking, rules enforcement) can create jobs and also boost the Indian economy. But no govt wants to focus on non-sexy projects.

Someone asked if we're worried about having early retired in such a turbulent time. For 2026: Our annual budget was ~1% of net worth. Despite a mid-sized unexpected medical expense, we're currently at <0.4% so far. And nearly half the year is gone. Nope, not worrying for now.

nothing scares Indian uncivilized dehatis more than nasbandi. enforce nasbandi on chapris and they'll become civilized within a generation

Inequality is a feature of freedom. Free people make different choices, take different risks, create different amounts of value, and achieve different results. The only way to guarantee equality of outcome is to punish success, subsidize failure, and use coercion to close the gap. In other words, theft isn't the unfortunate side effect of mandated equality. It's the mechanism that makes it possible.

Having a financial advisor can be beneficial...a good one will maximize probability that your financial position improves every year. But hiring a "FI/FIRE coach" is like paying the lottery winner to pick lottery tickets on your behalf for the next drawing.

FIRE is a high income high savings rate time low expense strategy. It's not a scam, it's just not accessible to everyone as advertised. Avoid lifestyle creep, don't carry consumer debt, buy used cars, value based spending. Those habits help whether you FIRE or not.

Personally, I had high income (relative to peers) from day 1 of career. My lowest savings rate (of net pay) was 50% even with education house loan annual foreign vacation. Peak savings rate touched 85%... final 2 years we actually had to set spending targets 🤷🏽‍♀️

As someone who actually FIRE'd, here's the truth: you cannot FIRE on middle class income. You need much higher than average income to FIRE. For decades. Plus luck. *Some selective* aspects of middle class mindset can be helpful though at various stages of the journey.

And what are the rich billionaires of the world doing to ensure that the least educated aren't breeding and dooming another generation to poverty? Not to mention permanent stunting thru early life malnutrition...