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Flashy self-promotion... already had some of this in a previous post/piece (#980184) but here I flush it out with returns-to-college calculations:
A college experience might be worth it even if it doesn’t make much financial sense. But read the fine print and definitely mind the rates, repayment conditions, and monetary background before you saddle your future self with intimidating debt burdens.
obvs, I Nostr'ed it when it first came out, but here's the SN tl;dr

Just short the goddamn currency

short the currency. The formula is to take out debt that depreciates in real terms while the assets you’re acquiring appreciate.
I’m reminded of an absurd observation, delivered in a timely online meme format courtesy of Twitter user “Sweep”: “When the NFT you bought isn’t worth 1 ETH anymore, the ETH isn’t worth $4K anymore, and the $4K isn’t worth $4K anymore.”
...aaaand this:
The $1,500 or so I added to my debt balance on average every month during my student years doesn’t buy the same things they did when I received those funds. It is easier for me to earn back that nominal quantity in 2025 than it was a decade ago. A million bucks isn’t what it used to be. Some of the (meager) assets I acquired in the meantime have appreciated at a much higher rate than the interest expense required to service this scarily looking pile of debt.
We took out loans in grad school, even though we probably didn't really need to. Partially, that was to take advantage of potential student loan forgiveness policies. It ended up being a pretty long zero interest loan, because they suspended repayments during covid.
It also helped us accumulate enough capital to buy a house straight away.
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It ended up being a pretty long zero interest loan, because they suspended repayments during covid. It also helped us accumulate enough capital to buy a house straight away.
shit like that helps, eh. CPI inflated away a good portion of it too. Congrats
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