# Finance Social Trends & Public Discussions — 2026-10-04 13:20 UTC

> **Category:** Finance  
> **Status:** Trending Up  
> **Timestamp:** 2026-10-04 13:20 UTC (2026-10-04T13:20:00Z)  
> **Canonical URL:** https://cryptitalk.com/2026-10-04-13-20/non_crypto/finance  
> **Overview Brief:** https://cryptitalk.com/2026-10-04-13-20/non_crypto.md  

---

## 10-Minute Category Volume & Sentiment
- **Total Posts:** 37
- **Total Impressions:** 33.5K
- **Bullish / Positive:** 20
- **Bearish / Negative:** 4
- **Neutral:** 13

---


## Engagement Analysis
Total Engagement - Comments: 104, Retweets: 68, Likes: 540, Impressions: 33454


---

## Cited Discussions & Public Evidence


### Discussion #1 by @jvisserlabs
> **Author:** [@jvisserlabs](https://x.com/jvisserlabs)  
> **Metrics:** 223 likes · 14 retweets · 19 comments · 11.5K views  

> **Posted:** 2026-10-04T11:32:47+00:00  


> **Source Link:** [https://x.com/jvisserlabs/status/2106709112180375695](https://x.com/jvisserlabs/status/2106709112180375695)  


> **Visual Context:** A FactSet earnings insight report highlighting that a record-high number of 116 S&P 500 companies have issued Q3 EPS guidance, with 72 (62%) issuing positive guidance—the highest percentage since tracking began in 2006—driven largely by Information Technology (44 companies) and software/semiconductors industries, aligning with the post's optimism about entering Q3 earnings season.  

> 
> "Time to enter earnings season with sentiment focused on rates, oil and breadth while the estimated YoY eps for Q3 is 29.5% and we have the "highest number of S&P 500 companies issuing positive EPS guidance for a quarter since FactSet began tracking this metric in 2006."  Over 55%"


### Discussion #2 by @mad_dogdebt
> **Author:** [@mad_dogdebt](https://x.com/mad_dogdebt)  
> **Metrics:** 110 likes · 24 retweets · 18 comments · 5.5K views  

> **Posted:** 2026-10-04T09:34:50+00:00  


> **Source Link:** [https://x.com/mad_dogdebt/status/2106679426213929092](https://x.com/mad_dogdebt/status/2106679426213929092)  


> **Visual Context:** A line graph showing daily ad revenue from September 27 to October 3, 2026, with values ranging from a low of 75,980 won to a high of 96,581 won, illustrating the user's claim of earning 70,000–90,000 won per day on their Naver Blog.  

> 
> "Naver Blog: Cafe Member Bro Earning 80,000 Won a Day.

This time, it's a Naver Blog.

This person hit 1.5 million won in AdPost revenue just from September, and lately, their daily earnings have climbed up to 70,000~90,000 won, they say.

They didn't start out earning like this"


### Discussion #3 by @reddit
> **Author:** [@reddit](https://x.com/reddit)  
> **Metrics:** 24 likes · 0 retweets · 8 comments · 2.4K views  

> **Posted:** 2026-10-02T21:48:56.614000+00:00  



> 
> "DOUG CASEY: The UNTHINKABLE Is About To Happen To Stocks, AI & ENERGY"


### Discussion #4 by @ACInvestorBlog
> **Author:** [@ACInvestorBlog](https://x.com/ACInvestorBlog)  
> **Metrics:** 9 likes · 1 retweets · 1 comments · 2.0K views  

> **Posted:** 2026-10-04T13:06:48+00:00  


> **Source Link:** [https://x.com/ACInvestorBlog/status/2106732769673900091](https://x.com/ACInvestorBlog/status/2106732769673900091)  


> **Visual Context:** The image displays analyst ratings and stock price targets for Viking Therapeutics Inc. (VKTX), showing 18 Buy and 2 Hold ratings currently, with a consensus "BUY" rating and an average one-year price target of $95.67 (high $125, low $38) against a current price of $29.94.

This aligns with the post's mention that Viking is trading around $30 while the Street's average target is approximately $100, with most analysts rating it a Buy, though the post slightly understates the analyst count (20 vs. the 20 total analysts shown).  

> 
> "$VKTX
 The average one-year price target for Viking Therapeutics, Inc. is $95. The forecasts range from a low of $38 to a high of $125 

Viking is trading around $30, while the Street’s average target is still about $100, with most of the sheet on Buy. Twenty analysts can share a"


### Discussion #5 by @stevenfiorillo
> **Author:** [@stevenfiorillo](https://x.com/stevenfiorillo)  
> **Metrics:** 20 likes · 5 retweets · 4 comments · 1.6K views  

> **Posted:** 2026-10-04T13:07:08+00:00  


> **Source Link:** [https://x.com/stevenfiorillo/status/2106732854189174859](https://x.com/stevenfiorillo/status/2106732854189174859)  


> 
> "As promised I just dropped a new 
$SOFI
 video and the questions that need to be answered are whether SOFI is undervalued and could SoFiUSD be the opportunity investors are overlooking?

That’s the question behind my new video. I break down my bullish thesis, the valuation, and why"


### Discussion #6 by @kagerou098
> **Author:** [@kagerou098](https://x.com/kagerou098)  
> **Metrics:** 9 likes · 1 retweets · 3 comments · 1.5K views  

> **Posted:** 2026-10-04T11:35:21+00:00  


> **Source Link:** [https://x.com/kagerou098/status/2106709755427528977](https://x.com/kagerou098/status/2106709755427528977)  


> 
> "十億回言いますよ。
小 泉 進 次郎防衛大臣すごいなぁ
億り人大量発生すんぞ、これ
200株で十分。
現値：99円
もう第2のキオクシアやろ"


### Discussion #7 by @Dearme2_
> **Author:** [@Dearme2_](https://x.com/Dearme2_)  
> **Metrics:** 9 likes · 4 retweets · 1 comments · 1.3K views  

> **Posted:** 2026-10-04T13:24:49+00:00  


> **Source Link:** [https://x.com/Dearme2_/status/2106737305763377538](https://x.com/Dearme2_/status/2106737305763377538)  


> 
> "If the algorithm shows you this, you are due for a big win."


### Discussion #8 by @bugra_kurtoglu
> **Author:** [@bugra_kurtoglu](https://x.com/bugra_kurtoglu)  
> **Metrics:** 3 likes · 0 retweets · 0 comments · 1.1K views  

> **Posted:** 2026-10-04T13:04:00+00:00  


> **Source Link:** [https://x.com/bugra_kurtoglu/status/2106732066092335137](https://x.com/bugra_kurtoglu/status/2106732066092335137)  


> **Visual Context:** The image displays the logos of four major dividend-paying corporations: PepsiCo, McDonald's, Coca-Cola, and P&G (Procter & Gamble). These iconic blue-chip consumer brands exemplify the type of stable, established companies that the post references when discussing long-term dividend investing—companies that reliably pay shareholders regular income, allowing investors to focus on the dividends received rather than daily stock price fluctuations.  

> 
> "Diyelim ki bugün güçlü, düzenli temettü ödeyen bir şirkete yatırım yaptınız.

Hisseyi satmıyorsunuz.
Fiyatına her gün bakmıyorsunuz.
Sadece şirketin size gönderdiği temettüyü kullanıyorsunuz.

100.000$’lık bir yatırımın ilk yıl %3 temettü verdiğini düşünelim.

İlk yıl elinize"


### Discussion #9 by @reddit
> **Author:** [@reddit](https://x.com/reddit)  
> **Metrics:** 9 likes · 0 retweets · 6 comments · 900 views  

> **Posted:** 2026-10-03T22:35:40.548000+00:00  



> 
> "Planning Early Retirement & Expat Move to Belgium - Gap Plan, U.S. Foundation Sanity Check, & Navigating the Relocation Process

Suggested"


### Discussion #10 by @Abbycadabby87
> **Author:** [@Abbycadabby87](https://x.com/Abbycadabby87)  
> **Metrics:** 39 likes · 3 retweets · 1 comments · 872 views  

> **Posted:** 2026-10-04T13:01:54+00:00  


> **Source Link:** [https://x.com/Abbycadabby87/status/2106731536632443145](https://x.com/Abbycadabby87/status/2106731536632443145)  


> **Visual Context:** A timeline graphic titled 'CUDA keeps old GPUs making money,' showing the A100 Ampere GPU maintaining high utilization from 2020 through 2029, while the CUDA software layer supports newer architectures including Hopper, Blackwell, and Rubin.  

> 
> "The market is back on an old question.

AI companies are spending this much on GPUs. What if the hardware is outdated before it pays for itself?
$NVDA
’s answer is basically two words: CUDA.

CUDA works across generations, and the software keeps getting better. That stretches how"


### Discussion #11 by @puckrin
> **Author:** [@puckrin](https://x.com/puckrin)  
> **Metrics:** 3 likes · 1 retweets · 2 comments · 519 views  

> **Posted:** 2026-10-04T13:22:10+00:00  


> **Source Link:** [https://x.com/puckrin/status/2106736636738654338](https://x.com/puckrin/status/2106736636738654338)  


> 
> "Assuming Anthropic IPOs tomorrow at a $2T valuation, would you buy?"


### Discussion #12 by @enginsahin_info
> **Author:** [@enginsahin_info](https://x.com/enginsahin_info)  
> **Metrics:** 3 likes · 2 retweets · 1 comments · 481 views  

> **Posted:** 2026-10-04T12:46:24+00:00  


> **Source Link:** [https://x.com/enginsahin_info/status/2106727635871011008](https://x.com/enginsahin_info/status/2106727635871011008)  


> 
> "VERGİ VE CEZALARDAN KURTULMA

İdari Çözüm Yolları ve Uygulama Stratejileri

Vergi incelemesi, vergi/ceza ihbarnamesi veya vergi borcu ile karşılaşan mükellef açısından ilk yapılması gereken, doğrudan dava açmak veya borcu hemen ödemek değildir.

Öncelikle uyuşmazlığın hangi"


### Discussion #13 by @paomama16
> **Author:** [@paomama16](https://x.com/paomama16)  
> **Metrics:** 15 likes · 0 retweets · 11 comments · 473 views  

> **Posted:** 2026-10-04T12:25:52+00:00  


> **Source Link:** [https://x.com/paomama16/status/2106722471273799979](https://x.com/paomama16/status/2106722471273799979)  


> 
> "ごめん。
貯金が600万円ある30歳。
NISAが1800万円ある30歳。

どっちを選ぶ？"


### Discussion #14 by @chny16
> **Author:** [@chny16](https://x.com/chny16)  
> **Metrics:** 5 likes · 0 retweets · 0 comments · 324 views  

> **Posted:** 2026-10-04T11:43:30+00:00  


> **Source Link:** [https://x.com/chny16/status/2106711808853610656](https://x.com/chny16/status/2106711808853610656)  


> 
> "#bist50 #viop 
#hissechat #borsa  #fonmağdurları #fon 
Böyle büyük tecrübe 
yanında olanlara hiçbirsey olmaz
belki zararda zamanlar gecirilir,borsada doğaldır,ama günün sonunda kazanan tarafta olur 

O günlerde fonları yalayıp ona kaşarlık yapanlar battı, 
kaşardan nefret ederim"


### Discussion #15 by @RapidCalls
> **Author:** [@RapidCalls](https://x.com/RapidCalls)  
> **Metrics:** 2 likes · 0 retweets · 1 comments · 301 views  

> **Posted:** 2026-10-04T13:05:00+00:00  


> **Source Link:** [https://x.com/RapidCalls/status/2106732317964226956](https://x.com/RapidCalls/status/2106732317964226956)  


> 
> "Market woke up 

who's active?"


### Discussion #16 by @JPMinvests
> **Author:** [@JPMinvests](https://x.com/JPMinvests)  
> **Metrics:** 7 likes · 0 retweets · 2 comments · 296 views  

> **Posted:** 2026-10-04T11:37:57+00:00  


> **Source Link:** [https://x.com/JPMinvests/status/2106710412737531920](https://x.com/JPMinvests/status/2106710412737531920)  


> 
> "How was your Q3 Performance? 

I'll start: +9.4% 

One of my best quarters ever. My benchmark 
$VOO
 did +3.2%.

+6.2% alpha."


### Discussion #17 by @morfimarkets
> **Author:** [@morfimarkets](https://x.com/morfimarkets)  
> **Metrics:** 7 likes · 0 retweets · 1 comments · 261 views  

> **Posted:** 2026-10-04T12:35:29+00:00  


> **Source Link:** [https://x.com/morfimarkets/status/2106724891206578512](https://x.com/morfimarkets/status/2106724891206578512)  


> **Visual Context:** A Polymarket-style prediction market interface asks 'Is Trump crazy for giving US citizens $5k each?', showing 'No' leading with 52.85% against 'Yes' at 47.15%, with a trading volume of $23.68K.  

> 
> "Put your money where your mouth is 
morfi.markets/demo-mode/mark
…"


### Discussion #18 by @5721_watch
> **Author:** [@5721_watch](https://x.com/5721_watch)  
> **Metrics:** 8 likes · 0 retweets · 0 comments · 257 views  

> **Posted:** 2026-10-04T11:23:07+00:00  


> **Source Link:** [https://x.com/5721_watch/status/2106706680449057244](https://x.com/5721_watch/status/2106706680449057244)  


> 
> "エス損切りしちゃうの…？
私はまだ諦めないよ。
不安になる日もあるけど、自分で決めたからには最後まで見届けたい
応援する気持ちは変わりません"


### Discussion #19 by @VikramVerm25510
> **Author:** [@VikramVerm25510](https://x.com/VikramVerm25510)  
> **Metrics:** 8 likes · 2 retweets · 3 comments · 254 views  

> **Posted:** 2026-10-04T13:04:13+00:00  


> **Source Link:** [https://x.com/VikramVerm25510/status/2106732120681144457](https://x.com/VikramVerm25510/status/2106732120681144457)  


> **Visual Context:** A large pile of bound stacks of U.S. $100 bills sits on a blue surface, with several additional bands of $100 bills scattered in the foreground.  

> 
> "$2,500 CASH DROP

5 winners.
$500 each.

Want a chance?

 Follow 
@vikramverm25510
 Turn notifications ON

Stay followed.

 Selection in 48 hours."


### Discussion #20 by @sgtnewsnetwork
> **Author:** [@sgtnewsnetwork](https://x.com/sgtnewsnetwork)  
> **Metrics:** 2 likes · 1 retweets · 0 comments · 248 views  

> **Posted:** 2026-10-04T11:59:05+00:00  


> **Source Link:** [https://x.com/sgtnewsnetwork/status/2106715731022770448](https://x.com/sgtnewsnetwork/status/2106715731022770448)  


> **Visual Context:** A person in dark clothing holds a one-dollar bill in their left hand and a fan of Iranian rial banknotes in their right hand.  

> 
> "IRANIAN RIAL PLUNGES TO NEARLY 2.7 MILLION PER DOLLAR AS INFLATION SOARS

Iran’s rial has lost more than half its value in a year, with the dollar now nearing 2.7 million rials and inflation reportedly around 73%. Iranian state TV says the central bank is deploying up to $2"


### Discussion #21 by @dolphin_disp_
> **Author:** [@dolphin_disp_](https://x.com/dolphin_disp_)  
> **Metrics:** 1 likes · 0 retweets · 0 comments · 228 views  

> **Posted:** 2026-10-04T11:21:18+00:00  


> **Source Link:** [https://x.com/dolphin_disp_/status/2106706219712852099](https://x.com/dolphin_disp_/status/2106706219712852099)  


> **Visual Context:** A hand wearing a black glove holding several green and purple cannabis buds over a bag full of more buds.  

> 
> "SUPER CHERRIES

$700"


### Discussion #22 by @dolphin_disp_
> **Author:** [@dolphin_disp_](https://x.com/dolphin_disp_)  
> **Metrics:** 3 likes · 0 retweets · 0 comments · 200 views  

> **Posted:** 2026-10-04T11:31:03+00:00  


> **Source Link:** [https://x.com/dolphin_disp_/status/2106708673447727288](https://x.com/dolphin_disp_/status/2106708673447727288)  


> **Visual Context:** A close-up overhead shot shows a large quantity of dried cannabis buds piled inside a clear plastic bag.  

> 
> "JAW BREAKER

$550p"


### Discussion #23 by @Trader_Ally
> **Author:** [@Trader_Ally](https://x.com/Trader_Ally)  
> **Metrics:** 3 likes · 2 retweets · 0 comments · 184 views  

> **Posted:** 2026-10-04T11:19:00+00:00  


> **Source Link:** [https://x.com/Trader_Ally/status/2106705641259880507](https://x.com/Trader_Ally/status/2106705641259880507)  


> 
> "You're not stupid, and you're not behind. 

Trading is genuinely one of the hardest things a person can try to get good at.

 If it feels heavy right now, that's not a sign you don't belong here. It's just what the climb feels like."


### Discussion #24 by @ypzlslpzls
> **Author:** [@ypzlslpzls](https://x.com/ypzlslpzls)  
> **Metrics:** 1 likes · 0 retweets · 0 comments · 176 views  

> **Posted:** 2026-10-04T12:39:11+00:00  


> **Source Link:** [https://x.com/ypzlslpzls/status/2106725821029437451](https://x.com/ypzlslpzls/status/2106725821029437451)  


> **Visual Context:** Screenshot of a phone playing a video, showing a person from behind carrying a white sack with Chinese text down an outdoor walkway or subway entrance.  

> 
> "尿素袋理论：

包的本质是什么？
不是 Logo，是装东西。

既然都是装东西，几万块的包能装，50kg 尿素袋更能装。

耐磨、防造、容量巨大，脏了不心疼，破了直接换，走在街上辨识度还拉满。

尿素袋理论的核心就是：

把钱花在能改变生活的地方，而不是花在证明自己过得很好。"


### Discussion #25 by @dolphin_disp_
> **Author:** [@dolphin_disp_](https://x.com/dolphin_disp_)  
> **Metrics:** 1 likes · 0 retweets · 0 comments · 155 views  

> **Posted:** 2026-10-04T11:32:37+00:00  


> **Source Link:** [https://x.com/dolphin_disp_/status/2106709069801152569](https://x.com/dolphin_disp_/status/2106709069801152569)  


> **Visual Context:** A hand wearing a black nitrile glove holds several cannabis buds over a larger pile of similar buds contained in a plastic bag on a cardboard surface.  

> 
> "Candy cane
$700"


### Discussion #26 by @ZackMe5p
> **Author:** [@ZackMe5p](https://x.com/ZackMe5p)  
> **Metrics:** 11 likes · 6 retweets · 2 comments · 125 views  

> **Posted:** 2026-10-04T11:44:29+00:00  


> **Source Link:** [https://x.com/ZackMe5p/status/2106712055575412744](https://x.com/ZackMe5p/status/2106712055575412744)  


> **Visual Context:** An infographic titled 'Velotrade Payment Rules & Fees' detailing profit splits, payout schedules, minimum withdrawals, and account sizes.  

> 
> "A lot of people have been asking about the payment rules and fees on 
@velotrade
 . To make it easier to understand, I've done the research and put together this summary  Profit Split: 80% (Standard) or 90% (with an add-on). This applies to both Classic and PRO accounts!"


### Discussion #27 by @MacroLeveraging
> **Author:** [@MacroLeveraging](https://x.com/MacroLeveraging)  
> **Metrics:** 1 likes · 1 retweets · 2 comments · 89 views  

> **Posted:** 2026-10-04T13:05:00+00:00  


> **Source Link:** [https://x.com/MacroLeveraging/status/2106732317779595644](https://x.com/MacroLeveraging/status/2106732317779595644)  


> **Visual Context:** A young man with an oxygen tube lies in a hospital bed wearing a patterned gown, with an IV in his hand and heart monitor visible in the background.  

> 
> "Yall pray for my bro 
@traderjamesfx
, he's fighting stage 3 revenge trading.

And yall think trading is easy??? hellnahh bro look at my guy"


### Discussion #28 by @OflowTrading
> **Author:** [@OflowTrading](https://x.com/OflowTrading)  
> **Metrics:** 2 likes · 0 retweets · 0 comments · 58 views  

> **Posted:** 2026-10-04T13:02:28+00:00  


> **Source Link:** [https://x.com/OflowTrading/status/2106731681264570428](https://x.com/OflowTrading/status/2106731681264570428)  


> 
> "NFP, Oct 2, 2026 · real ES order book:

3 min before: ~10–25 bids per price
1 sec before: mostly 0–5
8:30 ET: +28.50 pts in under 1 sec
7 min later: book refilled

Payrolls 29K vs 52K expected. And ES went up.

#ES #NFP #orderflow"


### Discussion #29 by @3tdwarrior001
> **Author:** [@3tdwarrior001](https://x.com/3tdwarrior001)  
> **Metrics:** 1 likes · 1 retweets · 0 comments · 52 views  

> **Posted:** 2026-10-04T12:22:03+00:00  


> **Source Link:** [https://x.com/3tdwarrior001/status/2106721507594682561](https://x.com/3tdwarrior001/status/2106721507594682561)  


> 
> "here's who you are trading against after reading this article:"


### Discussion #30 by @0x99DaDa
> **Author:** [@0x99DaDa](https://x.com/0x99DaDa)  
> **Metrics:** 1 likes · 0 retweets · 1 comments · 35 views  

> **Posted:** 2026-10-04T13:20:00+00:00  


> **Source Link:** [https://x.com/0x99DaDa/status/2106736092598702322](https://x.com/0x99DaDa/status/2106736092598702322)  


> 
> "21.4倍降到19倍，挡不住美债从1.6%走到5.3%！

Dividendology 拿两组数对比：2022年1月高点附近，标普500远期市盈率21.4倍、10年期美债约1.6%；2026年9月，远期市盈率约19倍、10年期约5.3%。指数从2022年初高点涨了六成多，结论是「涨了反而更便宜」。

数字站得住："


### Discussion #31 by @apoorav_vyas
> **Author:** [@apoorav_vyas](https://x.com/apoorav_vyas)  
> **Metrics:** 0 likes · 0 retweets · 0 comments · 15 views  

> **Posted:** 2026-10-04T13:22:52+00:00  


> **Source Link:** [https://x.com/apoorav_vyas/status/2106736813356573161](https://x.com/apoorav_vyas/status/2106736813356573161)  


> 
> "My whole feed :

- Moonrush
- token2049

need to take a break ngl"


### Discussion #32 by @VPhm23380671
> **Author:** [@VPhm23380671](https://x.com/VPhm23380671)  
> **Metrics:** 0 likes · 0 retweets · 0 comments · 7 views  

> **Posted:** 2026-10-04T13:19:57+00:00  


> **Source Link:** [https://x.com/VPhm23380671/status/2106736080624198079](https://x.com/VPhm23380671/status/2106736080624198079)  


> 
> "Consider potential downsides before diving in"


### Discussion #33 by @VPhm23380671
> **Author:** [@VPhm23380671](https://x.com/VPhm23380671)  
> **Metrics:** 0 likes · 0 retweets · 0 comments · 2 views  

> **Posted:** 2026-10-04T13:20:48+00:00  


> **Source Link:** [https://x.com/VPhm23380671/status/2106736292973490635](https://x.com/VPhm23380671/status/2106736292973490635)  


> 
> "Wait, free entry with $50K prize?"


### Discussion #34 by @VPhm23380671
> **Author:** [@VPhm23380671](https://x.com/VPhm23380671)  
> **Metrics:** 0 likes · 0 retweets · 0 comments · 1 views  

> **Posted:** 2026-10-04T13:19:21+00:00  


> **Source Link:** [https://x.com/VPhm23380671/status/2106735928157036658](https://x.com/VPhm23380671/status/2106735928157036658)  


> 
> "Clearer execution will definitely enhance trading experience"


### Discussion #35 by @GpaAndy
> **Author:** [@GpaAndy](https://x.com/GpaAndy)  
> **Metrics:** 0 likes · 0 retweets · 0 comments · 0 views  

> **Posted:** 2026-10-04T13:24:16+00:00  


> **Source Link:** [https://x.com/GpaAndy/status/2106737167779393929](https://x.com/GpaAndy/status/2106737167779393929)  


> 
> "price action shows strong momentum right now"


### Discussion #36 by @reddit
> **Author:** [@reddit](https://x.com/reddit)  
> **Metrics:** 0 likes · 0 retweets · 17 comments · 0 views  

> **Posted:** 2026-10-04T13:01:48.694000+00:00  



> 
> "For people that have fallen off the wagon, how did you get back on?

We did so well in our early-mid 20s saving. No consumer debt, maxed 401k, HSAs and IRAs… all while making 120k a year or less. Now at 30/31, we’re making 50% more and are just spinning our wheels. We only save to the 401k match, but are over spending our income every single month. Taking 401k loans, withdrawing Roth IRA contributions, using credit cards… and we’re tired of it. I don’t know where we got lost, but are tired of feeling like every month is a financial disaster. At this point, we still have around 300k in retirement savings (which should be more but I have done some extremely stupid stuff with our IRA and HSA savings). Our home has around 100k in equity. The only debt outside of the mortgage is a $12,500 401k loan and we want to aggressively pay it off. Our mortgage is only 25% of monthly take home at $2,500 a month and there’s no other debt. We’re just tired and need encouragement and advice. How can we fix this?"


### Discussion #37 by @dampedspring
> **Author:** [@dampedspring](https://x.com/dampedspring)  
> **Metrics:** 0 likes · 0 retweets · 0 comments · 0 views  

> **Posted:** 2026-10-04T13:22:42+00:00  


> **Source Link:** [https://x.com/dampedspring/status/2106736774139809937](https://x.com/dampedspring/status/2106736774139809937)  


> 
> "For those who think asset values can't be allowed to drop because the deficit needs cap gains or else it will blow up. If cap gains went to zero (which of course is nonsense ) what would happen to the deficit?"