It makes the worrying case that every human civilization in history has experienced a four-generation cycle, culminating in an existential crisis that reshapes society and kicks off the next cycle.Part of that has to do with building strong institutions in the midst and wake of the crisis, and those institutions gradually decaying over the next four generations.The last of those crises in our civilization – the one-two punch of the Great Depression and World War II – happened four generations ago.

Holding cash in a bank account is essentially like holding debt; the inflation of our dollar means that its value slowly decays.

And I believe the realtors/brokers associations will do everything to counteract those efforts. 

The powers that be go into emergency mode, trying to counteract the deflation via pumping Pumping PUMPING out $ through various mechanisms. 

It's sad to see so many areas in America with decaying homes because people left as jobs left.

The city was seen as a decaying metropolis full of poverty and lack of businesses due to its unorganized leadership.

I'm thinking liquid markets rally, term markets will slowly decay. question is do opaque markets provide a tumble, rise, or are they the swan?

I forgot to add some portion of the $6 to $7 million liquid in a CD or HYSA as a safety net for market downturns and for the public market piece, some of it in bonds. 60-70% allocation in those would absolutely make your $10 mil operate like $7 mil very quickly and not just time decay but pricing power would evaporate quicker than you can imagine.I wrote up in this thread, about 5 posts up, you'll get killed going HYSA....and even S&P. 

In July of 2024, they circled back to me, now running a very short timeline until foreclosure, counteracting at 1m.

To counteract it is best to sharpen your pencil and identify cost savings opportunities and ways to run rehab more efficiently