sjptik🦈 @sjptikcssf

Money. Discipline. No noise. New York, USA Joined September 2026

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sjptik🦈 @sjptikcssf

4 weeks ago

225,000+ tech workers laid off in 2026 so far. Oracle cut 30,000 while posting record quarterly profit — the savings went straight into AI data centers. Companies aren't cutting because they're struggling. They're cutting because they don't need you anymore. Skills that don't

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sjptik🦈 @sjptikcssf

4 weeks ago

The CLARITY Act — crypto's top policy goal for 2026 — just died in the Senate. Passed the House 294-134 in July 2025. Failed to get 60 votes for cloture on September 15, 2026. No US regulatory framework for crypto markets, still. The industry spent 14 months on this. Back to squa

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sjptik🦈 @sjptikcssf

4 weeks ago

US student loan debt: $1.9 trillion, 43 million borrowers. Since Jan 2025, a borrower has defaulted every 9 seconds — 3.6 million defaults, $92B+ gone delinquent. It's not that people don't want to pay. It's that nobody taught them the math before they signed at 18.

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sjptik🦈 @sjptikcssf

a month ago

Bitcoin just hit $87,395—it highest since January. US spot ETFs took in $4.6B since Aug. 19, finally turning positive for the year after months of redemptions. Same asset, same funds. The only thing that changed is that the price went up and everyone remembered they liked Bitcoin

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sjptik🦈 @sjptikcssf

a month ago

World's billionaires now hold $20.1 trillion combined — up from $16.1T last year. Just 29 people control 27% of all billionaire wealth. Elon Musk alone: $908B-$927B, closing in on becoming the first trillionaire in history. The gap isn't closing. It's compounding — for them too.

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sjptik🦈 @sjptikcssf

a month ago

Median retirement savings by age: under 35 — $18,880. 55-64 — $185,000. That's what most Americans have, not the inflated "averages" you see quoted. Half of US households have less than this. The other half figured out compounding decades ago.

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sjptik🦈 @sjptikcssf

a month ago

Q2 2026 GDP growth: 1.5% (down from 2.1% in Q1). Inflation: 3.4% in July, up from 2.7% a year ago. Unemployment steady at 4.1%. Trump's approval rating: ~38% approve, ~58% disapprove (avg of major polls, Sept 2026). Numbers don't have a political party. They just are what they

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sjptik🦈 @sjptikcssf

a month ago

US economy added 162,000 jobs in August — more than 3x the forecast of 53,000. Unemployment held steady at 4.1%. Restaurants and bars led hiring (+59K), while tech/information lost 23,000 jobs to AI automation. The job market isn't dying. It's just moving.

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sjptik🦈 @sjptikcssf

a month ago

30-year mortgage rates just hit 7.05%-7.25% — a one-year high, right after the Fed's rate hike. A $400K loan now costs ~$2,675/month in principal and interest alone. If you're waiting for the "right time" to buy — this is what waiting costs.

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sjptik🦈 @sjptikcssf

a month ago

BTC hit $75,586 on Sept 15 during panic selling. Today it's back near $81,000 — up 8% in under a week. Whoever panic-sold on the 15th just handed someone else their exit.

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sjptik🦈 @sjptikcssf

a month ago

Switzerland: 225% debt-to-income. Canada: 175%. Australia: 119%. US: 138%. Sweden: 85%. Japan: 78%. US household debt just hit $18.77 trillion — $1.26T of that credit cards alone. Everyone's in debt. Discipline is deciding you won't stay there.

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sjptik🦈 @sjptikcssf

a month ago

Gold hit an ATH of $5,600 in January 2026, then crashed 29% to $3,994 by June — its worst quarter in a decade. Central banks bought 289 tonnes anyway. Institutions don't panic. They accumulate while you're busy panicking.

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sjptik🦈 @sjptikcssf

a month ago

Crypto Fear & Greed Index: 71 (Greed). Five days ago it was Extreme Fear. Same market, same coins — completely different crowd emotion. The index doesn't predict price. It predicts your regret.

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sjptik🦈 @sjptikcssf

a month ago

BTC hit $75,586 on Sept 15 during panic selling. Today it's back near $81,000 — up 8% in under a week. ETH did the same: $2,397 low, back above $2,600. Whoever panic-sold on the 15th just handed someone else their exit.

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sjptik🦈 @sjptikcssf

a month ago

The Fed just raised rates to 3.75%-4% — first hike since 2023. Good news for savers, bad news for anyone carrying debt. Your credit card APR just went up. Your savings account finally pays something. Which side of that are you on?

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sjptik🦈 @sjptikcssf

a month ago

BREAKING: $337M liquidated in 24 hours, 78,591 traders wiped out. BTC at $77,008. Clarity Act stalled, Fed uncertainty, CoinEx shutting down. Panic is loud. Discipline is quiet — and boring.