A one-time tax of 5%. Any respectable billionaire is confident they can make that up in a year.

¿por qué no los dos?

I worked for a financial advisor who made most of his money through a textbook he wrote. It was on its 14th edition over 10 years ago. It’s a business calculus textbook. Calculus hasn’t changed in hundreds of years but the word problem examples needed to change from companies to dotcom companies to AI companies. He has dozens of co-authors at this point, he hasn’t added anything beyond his stamp of approval in many years. He made almost as much as a passive author as he did as a financial advisor.

It’s a learning tool like an answer key is a learning tool. I’m pretty sure my college textbooks included correct answers for odd numbered problems but never complete solutions.

Cigarettes are so awesome I craved them while on ecstasy. If you didn’t BYO you would be stuck bumming a menthol. Cigarettes are so awesome that I would smoke a menthol. They are so awesome I am scared to smoke another one.

I went with cannabis. After legalization, 70%+ concentrates are widely available for $15-25/g and I’m down to ~$120/month to cover my stayfaded lifestyle. I think I was paying $100/quarter oz of 15-20% flower pre-prohibition.

I’m lucky to have only had access to crappy cocaine in my life. I think I did like 3 consecutive 8-ball weekends but felt like shit every Monday so I just stopped. Now I’m too scared of fent to even try to score some coke.

Rolling over a payday loan. You write them a check for $300 post dated for payday, they hand you $255. On payday, I would go back with a fresh $300 check to replace the one they just cashed so they could hand me another $255. This would be after exhausting overdraft from my checking that cost something like $35 to overdraw by $200. I wasn’t even on hard drugs or drinking, just weed and nicotine. By the time I was 30 I had $15k in financial judgements against me, it took another 4 years to pay everything off. It almost cost me a promotion during the credit check. Apparently you shouldn’t be a financial advisor if you’re terrible with your own finances but I talked my way out of it (and then failed as a financial advisor).