We might stop recommending @Umbrel ☂️, @Start9, or other "centralized OS" setups to newbies... who just hit "update" without understanding the implications. 🥲

The "Get Rich Slowly" Blueprint: 10 Enduring Principles for Financial and Life Success The core philosophy isn't about quick wins, but building a life of rational, disciplined success. It’s about being worthy of wealth before you receive it. Part 1: The Foundation of Character 1 Earn Your Success The most reliable path to getting what you want is by making yourself worthy of it. Focus on creating value, building rare skills, and upholding integrity. Don't wait for luck; change the probability. 2 Master Resilience When tragedy strikes, never let a primary, objective tragedy become a second or third by collapsing your will. Accept the facts and refuse to surrender to self-pity or destructive emotional reaction. 3 Pursue Independence, Not Vanity The goal of wealth isn't expensive toys, but profound independence. Define wealth as the fortress of personal sovereignty, which allows you to make decisions free from external control. Part 2: The Thinking Engine 4 Become a Learning Machine Go to bed every night a little smarter than you woke up. This daily discipline allows wisdom to compound like capital. In the long run, the 'learning machines' always surpass the merely smart. 5 Build a Latticework Avoid the "hammer man" trap (seeing every problem as a nail). Equip your mind with a "latticework" of core models from psychology, engineering, history, and math. Real-world problems are never single-discipline. 6 Practice Inversion (Reverse Thinking) Instead of aiming for success, aim to systematically avoid failure. Study the causes of ruin (over-leveraging, emotional chasing) and rigorously steer clear of them. Part 3: The Strategy & Discipline 7 Identify False Incentives When faced with complex products or advice, look past the stated purpose. Ask: "Who is truly benefiting from this transaction?" If the 'lure' is designed to attract you, not help you, run. 8 Master the Art of Waiting Great fortunes are built not by buying and selling frequently, but by waiting. The true skill in the game of compounding is exceptional patience and the ability to do nothing when no opportunities meet your high standards. 9 Conquer Emotional Adversaries Self-pity and jealousy are the two most destructive emotions. Self-pity makes you a victim, and jealousy forces you to abandon your own rational plan to chase someone else's gains. 10 Embrace Self-Correction The final and most crucial skill is the willingness to destroy your own erroneous ideas. Be ready to update your core beliefs when new information proves them wrong. Growth is about finding the right answer, not proving you were right all along. Getting rich slowly is a battle against human nature, fought with rationality, patience, and continuous learning. Time is your greatest ally if you simply avoid being stupid.

October is historically one of Bitcoin's strongest months—thus the "Uptober" moniker—with data from CoinGlass showing just one monthly loss over the previous 10 years, back in 2018. This October broke a six-year streak of gains, showing a 3.69% drop from the start of the month to the end. Thanks to that, kheAI managed to acquire 10,348,876 sats via Crypto Exchange (10,238,870 sats) and Ocean Mining (110,006 sats), in Uptober 2025. Image generated with @ForrestHODL's PlebRelease (https://plebtools.com/pleb-release) cc: @BitcoinTreasuries.NET @Lava @OCEAN

Seriously TouchNGo! It happened again? I can deposit money but I can't transfer it out? Getting "Something went wrong" on DuitNow when I have an urgent credit card payment to make. Your system is failing at a critical time! Fix the DuitNow transfer issue ASAP. ​#TNGWallet #TNGDigital #eWalletFail

Bitcoin Bull Run: Why This Cycle is Different & Where the Top Might Be The current Bitcoin bull run is in its final phase, but it's being extended and driven by a factor far more powerful than the halving: Global Macro Liquidity. This is the key to understanding the cycle top. The real driver? The massive U.S. government Debt Refinancing Cycle. Trillions in debt are maturing, requiring central banks (like the Fed) to inject liquidity by cutting rates and ending QT to keep the system flowing. 🌊💵 This liquidity flood is forcing the traditional 4-year cycle to stretch out to 5.4 years. That's why the final parabolic run won't be as fast as before, and it extends the business cycle well into 2026. 📈⏳ My projection for the final parabolic push is the next 6 to 8 months (Q2/Q3 2026). This is when maximum liquidity is expected to hit. The Bear Market is projected to start later in Q4 2026/2027. 🗓️📉 What signals should you watch for the top? 🚨 - ISM Indicator: Watch for the ISM (or PMI) to peak consistently above 60. Historically, this peak precedes the BTC price top by 3-6 months. - Sentiment: A sustained Fear & Greed Index above 70. When greed is maxed out, it's time to be cautious. - The MVRV Z-Score suggests we are not yet overvalued, projecting a top price range of $150,000 - $200,000. - The PI Cycle Top Indicator, while aggressive, suggests the cycle could run all the way to Jan 2027. When the ISM hit 60+ and the Greed Index is 78+, it will be a sign of high risk. HODLers, listen up: For your core, blue-chip assets like BTC, history shows time in the market > timing the market. Don't be shaken out by drawdowns. The next Bear Market will present a generational buying opportunity. 💎🙌 #HODL

Soaking in a cold plunge, basking in the sun, and meditating — that’s my little daily joy.

#MiniMicrostrategy Real Case: $150K in Loans for Bitcoin (3‑Year Update) A Reddit user borrowed $150,000 via 0% APR personal loans and credit card balance transfers to buy BTC As of June 4, their holdings have grown to ~$498,750 (from a cost basis of $165K) They currently owe ~$40K, still under the 0% interest period Their strategy: borrow to buy low in a bear market, hold through bear + bull cycles—and let BTC’s ROI outperform loan costs Things to Watch - Loan caps & limits: not everyone can borrow $150K via 0% loans—know your limits. - Grace‑period discipline: any missed payment can trigger interest and wreck the yield math. - Market swings: BTC can still dip; ensure you're collateral‑safe and emotionally prepared. - Tax & regulatory complexity: multiple loans + crypto gains may trigger reporting needs. Source:

Yahoo Finance

An Investor Who Took Out $150,000 In Loans To Buy Bitcoin Gives A Three-Year Update. But Everyone Just Wants To Know—How

Three years ago, one Reddit user made a high-risk decision: they borrowed $150,000 using a mix of personal loans and 0% APR credit card balance tra...

In November 2023, Sunny embarked on a bold plan by maxing out 8 credit cards with 0% APR offers to purchase 1.4488 BTC at an average price of $37,443, aiming to capitalize on cheap debt to hedge against fiat inflation. By April 2024, he expanded his approach by rolling over balances across 18 cards, amassing a total debt of $46,388, with minimum monthly payments of $463 and no interest until mid-2026 to mid-2027. This mirrors the "7-Stage Playbook" described, which emphasizes preparing credit, funding purchases, securing Bitcoin, servicing debt, and rolling over balances to extend the 0% APR period. Over the subsequent 23 months, Sunny meticulously tracked his progress, showcasing both the potential rewards and inherent risks of the strategy: May 2025: His profit reached $97,601, a significant +18.85% increase from April, reflecting early success as Bitcoin's value appreciated. June 2025: Profits climbed to $100,779, up +3.26%, surpassing the $100,000 threshold and validating the strategy's upside potential. July 2025: The strategy peaked with a profit of $116,427, a +15.53% rise, driven by a robust Bitcoin rally, aligning with the "Bull Market" scenario where significant appreciation could yield substantial gains. August 2025: Volatility struck, with profits dropping to $102,807, a -11.70% decline, illustrating the "Market Drawdown" risk where Bitcoin's value can swing wildly, potentially erasing gains. September 2025: Recovery was evident as profits rebounded to $109,472, up +6.48%, with the debt slightly easing to $45,925, demonstrating the importance of disciplined debt management and the strategy's resilience. October 2025: Profits fell again to $104,749, a -4.31% decrease, with the debt at $45,462, as the strategy approached the 2-year mark, highlighting the ongoing challenge of navigating Bitcoin's volatility. Sunny's implementation relied heavily on the "Rollover" step, continuously transferring balances to new 0% APR cards to avoid interest charges, a critical component of the playbook. His credit score, initially dipping from 810 to 680 due to increased credit utilization, recovered to 750, underscoring the "Credit Score Requirement" of 740+ and the importance of maintaining financial discipline. The strategy's success hinged on accessing new 0% offers, as outlined in the "Approval Risk" and "Avoid Traps" sections, with the debt's due date in mid-2027 looming large. This timeframe aligns with the "Endgame" phase, where a repayment plan and risk management strategy become paramount, especially given Bitcoin's stability and the availability of future 0% APR promotions. His experience encapsulates the "Golden Rules" of never missing payments, applying for rollovers early, reading terms carefully, keeping records, and adjusting exposure based on income changes. Despite weathering significant volatility, the strategy's viability remains tied to continued access to 0% offers and Bitcoin's performance, embodying the "Emergency Protocols" for scenarios like market crashes or life shocks. Sunny's journey illustrates the high-stakes, high-reward nature of leveraging unsecured credit for Bitcoin investment, demanding meticulous planning and execution. Source:

X (formerly Twitter)

Sunny Po (@sunny051488) on X

Approaching 2 years since i maxed out 8 credit cards to buy bitcoin and then kicked the can again on another 10 cards. Here's the 23 month update:...

#MiniMicrostrategy

🔑 Core Arguments for Bitcoin's Uniqueness ​Investors who view BTC as a generational opportunity often focus on these fundamental features: ​1. Absolute Scarcity and Deflationary Nature Hard Cap: Unlike gold, which can be mined indefinitely, or fiat currency, which can be printed without limit, Bitcoin's supply is strictly capped at 21 million coins. This is a hard-coded, verifiable monetary policy. The Halving: The rate at which new Bitcoin is created is cut in half approximately every four years (an event known as the Halving). This predictable reduction in supply against rising demand is a powerful driver of long-term value. ​2. Digital Native, Decentralized Asset ​Censorship Resistance: Bitcoin exists outside the control of any single government, bank, or corporation. It is borderless and permissionless, allowing anyone with an internet connection to send and receive value. ​Store of Value: For many, this decentralization makes it an ultimate "flight to safety" option—a hedge against currency debasement, political instability, and excessive government spending/debt. It is often called "digital gold." ​Portability: Unlike physical gold or real estate, billions of dollars worth of BTC can be moved instantly, securely, and cheaply across the globe. ​3. The Network Effect and Institutional Adoption ​First-Mover Advantage: As the first successful decentralized digital currency, Bitcoin has the largest brand recognition and the most robust security network (its Proof-of-Work consensus mechanism). ​Mainstream Integration: The introduction of regulated investment vehicles, such as spot Bitcoin ETFs, has opened the door for institutional capital and financial advisors to allocate funds to BTC, fundamentally broadening the investor base. This marks a significant shift from a niche technology to a recognized asset class.

Never reveal how much BTC you hold. Instead of giving a number, use this line... Q: "How much Bitcoin do you have?" A: "Only a little bit. I consider it my pizza money." Why? The first recorded transaction was 10,000 BTC for two pizzas. By referencing that history, your answer is always truthful. Keep your stack safe.

Your destiny isn't fate, but a failure to upgrade your Cognitive System Your destiny isn't fate, it's your cognitive system that needs an upgrade. A deep dive into why most people in the lower class can't "flip the script." Success isn't brute force; it's cognitive superiority. Cognition as Your Weapon: Cognition is your ultimate "martial arts skill" in the modern world. Those with low cognition are easily manipulated and "harvested" without knowing how they lost. Stop hunting for a quick-fix "secret manual." Like the hero Guo Jing, you must build a cohesive system. Your personal cognitive system—not a guru's book—is your only true defense, weapon, and protective armor. The real reason the bottom stays the bottom is Cognitive Isolation. It’s not just a lack of resources; it’s a systemic barrier that cuts you off from the truth. This isolation has 3 layers: - Knowledge Isolation: True knowledge is passed down in elite circles, hidden from the public. - Language Isolation: You may know the words, but you don't speak the specific language system of power and finance. - Information Overload: The internet is a "garbage dump." Emotionally-charged content paralyzes your judgment. You are what you consume. To raise your cognitive level, you must: Filter out the garbage. Stop consuming endless gossip, short videos, and emotional venting. They degrade the quality of your entire operating system. The core skill of a cognitive master is two words: Deconstruction & Reconstruction. - Deconstruct: Break down information to its underlying logic. - Reconstruct: Reassemble it into your own coherent, personalized weapon. Prioritize Thinking First: True growth is More Thinking, Less Reading. First, think through a problem and develop your own answer, then read to verify and supplement. Thinking "opens the light" for your brain. Thinking is hard—your brain instinctively resists it. The fastest way to force a cognitive upgrade? Daily Output. Write notes, summarize, or draw mind maps. Consistent output is the intellectual equivalent of strength training. Your destiny hinges on this final principle: You must act against your base nature. Your mind craves easy input; you must force difficult output. Be ruthless to your own human nature to achieve true freedom.

The difference between average people who "hustle hard" and masters who "just deconstruct" boils down to one thing: Cognitive System. 🧠 The average person relies on fragmented memory (experience). The master relies on a system (deconstruction). This framework, breaks down the 4 dimensions of Deconstruction Power. 🧵👇 1. One-Dimensional Deconstruction: Defining the World Your brain is naturally too adaptive. You get used to things (your phone, your job, society's rules) and you stop asking questions. This is called the "Cognitive Vegetable." The first step to awakening is to break the routine by defining everything: - What is a "friend"? - What is a "marriage"? - Is a "school" educating or indoctrinating? The number of concepts you can define is the number of realities you can control. 2. Two-Dimensional Deconstruction: The Dialectical Brain Once you define something, the second step is to break that definition. The world is not Black/White. It's the co-existence of Yin and Yang. - If you see goodness in a person, you must acknowledge their shadow side. - If you think society is fair, you haven't seen its true injustice. True masters don't label; they dismantle all labels to see the full, contradictory picture. They seek the conversion point—the law governing how one side turns into the other. 3. Three-Dimensional Deconstruction: The Time-Space System This is where the real separation happens. It's the ability to view any problem through the lens of Time (Past, Present, Future) and Space (Micro, Macro). The Store Example: - Amateur: Sees a good location. - Master (3D View): Analyzes the Micro (foot traffic), Macro (city's 5-year planning), and Time (why did the last store fail? What will the trend be in 5 years?). It's about occupying a logical position that holds up across time and space, not just in the present moment. 4. Multi-Dimensional Deconstruction: The View of Interest At the very bottom of all social structures—from companies to nations—is the flow and distribution of self-interest. This is the true lens of power. To truly understand any system, you must identify the key stakeholders and their core self-interest: - The Distributors (who sets the rules). - The Managers (who maintains efficiency). - The Large Players (resource leaders). - The Small Players (individuals/groups). Understanding how their interests clash, align, and convert is the ultimate move from being a Pawn to a Player. The final step is not just to Deconstruct (take apart) but to Reconstruct (build a new cognitive system) for yourself. Stop trying to do things and start designing the game. #CognitiveBias #SuccessMindset #MentalModels #Deconstruction

The Paradox of Success and Solitude The Harsh Reality: The more you commit to big goals, the smaller your social circle often becomes. You start declining gatherings and see social events as a waste of precious time. The Question: You might feel isolated and wonder, "Am I doing something wrong?" The Answer: No. This phenomenon is perfectly normal for successful entrepreneurs and those on the rise. To push your career forward, you must temporarily set aside the heavy burden of "friendship" and reallocate your energy. This is a breakdown of the 4 cruel truths explaining why the higher you climb, the quieter your surroundings become. Truth 1: The Cognitive Divide Thought Frequency Misalignment: People are automatically tiered by their "cognitive version number." When your vision and information density rise, communication with your old circle fails to align. The Coffee Test: Some people talk about where to find a $1 coffee discount. Others draw a model for a national coffee chain, analyzing gross profit, repurchase rates, and cash flow impact. You are no longer speaking the same language. System Upgrade: Your system is upgrading, and the old connection is no longer compatible. This isn't coldness; it's a natural order that puts people on separate tracks. The Conveyor Belt: This cognitive distance is the first critical lever separating you from others, pulling your life onto a higher-level platform. Truth 2: The Trap of Comparison Comparison is a default human setting. When you succeed, your casual actions are often misinterpreted as "showing off," and you are silently scored and judged. Self-Protection: Successful people learn to avoid these social settings that treat life as a performance. Disengaging becomes self-protection—a way to stop being raw material for others' gossip and judgment. Truth 3: Social Noise vs. Business Depth Most large social circles are noise, not a marketplace for transactions. Attending countless events rarely generates sustainable opportunities. The Real Network: The people who can help you are not your network; the people you can help are your network. True success depends on the depth of a few core relationships, not the breadth of many. Truth 4: Triumph of Focus The Laser Focus: For high-achievers, attention isn't a flashlight; it's a laser beam that cuts through noise. A smaller beam means higher intensity and temperature. Energy as Currency: They view time, money, and most importantly, energy, as finite resources. They swap the short-term gratification of a dinner out for the long-term compound interest of practice, reading, and planning. The Quality of Effort: The key is not the 10,000 hours but the quality of deliberate practice and concentrated energy within those hours. The Energy Ledger: Winners keep an "Energy Ledger" for their relationships, marking who is replenishing their capital and who is draining it. They decisively reduce contact with drains to protect their most valuable asset. The Final Takeaway The Six Costs of Life: True wealth management is about allocating your total life costs: Money, Time, Energy, Decision, Sunk, and Opportunity. The last five are far more valuable than cash. Friends vs. Battle Companions: 99.9% of people can only enjoy wealth with you but cannot endure hardship. Conclusion: Masters don't have "friends"; they have battle companions—the less than 0.01% you need to invest your energy in. The harsh truth remains: The smaller your circle, the wealthier you become. Now go build your empire.

Kill the "Poor Ghost" Mindset 👻💰 ​The main barrier to wealth isn't opportunity, it's the "poor ghost" in your heart—a mindset rooted in fear, procrastination, and a misunderstanding of how success works. ​🚫 Perfectionism Kills Action: Don't waste time searching for a "perfect, risk-free" plan. Success doesn't come from finding the optimal choice; it comes from action. ​💡 51% is Enough: Truly successful people commit and start, even if they only have 51% certainty. All experience, wisdom, opportunities, and money are found on the path of action, not during the selection phase. ​🔄 The Rhythm of Power. The cycle is: Rational Planning ➡️ Emotional Charge ➡️ Rational Review ➡️ Repeat. Clarity and effectiveness come through doing, not just thinking. Respect the Natural Laws of Wealth 🌳📈 ​Wealth is attained by respecting the objective laws and cycles of growth, not through sudden miracles. ​⚖️ The Cycle of Everything: Every venture has a cycle: Sowing, Cultivating, Harvesting, and Declining. Respect this process. ​👀 Stop Comparing: Anxiety arises when you compare your Cultivating Phase with someone else's Harvesting Phase. Focus on completing your own cycle. ​🙏 The Root of Anxiety: Fear and anxiety are fundamentally a lack of reverence for the Heavenly Dao (objective laws). You must be patient enough to see a full cycle through. Focus on the Cause, Not the Result 🎯🛠️ ​Ordinary people focus on the Result (the effect). High-level players focus on the Process (the cause). ​❓ The Wrong Question: Asking "How can I make 10 million?" is useless if you haven't first assessed, "How much is my current skill level worth?" ​🚫 The Inner Demon: This is an illusion that avoids action by over-focusing on the result. It's better to ask actionable, next-step questions (e.g., "How can I get three new clients this week?"). ​💪 Embracing Errors: High-level players don't seek perfect results. They pursue continuous improvement. They aim to avoid major mistakes, but continuously make small ones and correct them. Emotional Control & The Power of Calm 🌊🛡️ ​Emotions are the second greatest killer of success, making people impulsive, irrational, and prone to giving up. ​🧘 Emotional Mastery: True masters turn their emotions into a tool, refusing to let them become a stumbling block. They can be unshakable even when the sky is falling. ​📉 Emotional Cost: Emotionally driven actions lead to quick burnout, poor judgment, and constantly abandoning projects. ​⛰️ The Foundation of Wealth: The ability to remain calm and peaceful amidst difficulty is the hallmark of those who make real money. This stability generates wisdom, which then generates wealth. Wealth is the Manifestation of Your Heart Power 💖✨ ​Heart Power is the core energy that drives everything and is the true determinant of wealth. ​🧠 The Ultimate State: Have the mind of a sage, the body of a warrior, and the pure heart of a child. ​🧭 Embracing Uncertainty: Strong Heart Power allows you to thrive in uncertainty. By the time everything is certain, you've missed the opportunity. ​4️⃣ Defeat the Thieves. To become unstoppable, you must defeat the Four Inner Thieves: - ​Anxiety: Defeat with Reverence. - ​Desire: Defeat with Giving. - ​Hesitation: Defeat with Action. - ​Fear: Defeat with Clarity.

🤯 The TRUTH about why most people are stuck in their social class. It's a "Closed-Loop Cycle" of Information Captivity, where your current status determines your future. Breaking this cycle is the key to real breakthrough. The Cycle is simple: 1. Stratum determines Info 2. Info shapes Knowledge 3. Knowledge builds Cognition 4. Cognition locks your Stratum. Most people are trapped here, reinforcing their position. 🚨 The "Feed" Trap: For the lower class, entertainment (news, dramas, games) is "carefully manufactured feed". It gives temporary pleasure but consumes all time and energy, preventing "overthinking." What you see is what they let you see. Any knowledge that doesn't make you money is essentially pseudo-knowledge. Knowledge is NOT equal. Let's breaks it down into 4 levels: 1. Invalid: Media/Entertainment (99.9% fake illusion). 2. Skill: Professional techniques (Turns you into a "screw" for the machine). 3. Money-Making: Real benefit-driven knowledge (Rarely taught). 4. Social Rules: The highest level (Requires immense experience/insight). Schools only teach Level 2. Your job is to aggressively filter out Level 1 and pursue Level 3 & 4. The biggest paradox: The upper class works harder to evolve, while the lower class often sinks into Level 1 distractions. How to break free? Change your information source. Don't just learn passively; combine learning with real-world practice and reflection. Stop being a "fat sheep". Start thinking like a wolf. 🐺

The ultimate luxury is not what you own, but the peace you buy back—the freedom to decline what drains you. ​True fortune requires two things: 1. ​Mindset: You must be heart-rich before you get rich. You are destined to eat what your mind expects. 2. ​Method: Know your specific wealth path. ​Stop chasing the noise. Focus relentlessly and cultivate an Iron Will. Stillness is your superpower.

The document is about the Tribunal Pengurusan Strata (TPS), which is the Strata Management Tribunal, the main legal avenue for resolving disputes concerning the management and maintenance of buildings like yours. 🏠 What This Means for You The TPS acts as a low-cost, efficient, and binding alternative to civil court for strata-related disputes. It is specifically designed to protect owners like you. Here are the key points based on the list of claims and your situation: - Disputes with Management: If you have an issue with the Joint Management Body (JMB) or Management Corporation (MC), or the developer (if your property is still under their initial management phase), the TPS is where you would file a complaint. - Maintenance Fees & Sinking Fund: If you disagree with the amount of charges/fees (Tuntutan 3, 9) or if the management tries to recover outstanding fees from you, the TPS is the forum for resolution. - Building Defects (Common Property): If there are defects in the common property (like the swimming pool, gym, elevators, common hallways, or the building structure itself) and the management or developer fails to act on the costs of repair (Tuntutan 2), you can bring a claim. - Transparency & Documents: If you need to compel the management to provide financial statements, meeting minutes, or any other relevant documents (Tuntutan 12), you can file a claim. - Meetings & Resolutions: If you believe an AGM or EGM was improperly convened (Tuntutan 4) or if you want to challenge a resolution passed at a meeting (Tuntutan 7), the TPS has jurisdiction. ⚠️ Important Limitations - Monetary Limit: The Tribunal can only hear claims where the amount in dispute does not exceed RM250,000. - No Ownership Disputes: The Tribunal cannot hear disputes related to the ownership of your property (e.g., land disputes or sales contract issues). - No Lawyers: Generally, no legal representation is allowed at the Tribunal, which keeps the costs low and the process simpler. In short, the TPS is your legal recourse for most disagreements you might have with the management or developer regarding the common property and administration of your strata development.

Here will be my diary too! 😁 View quoted note →