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说实话， 很多人都了解复利，但是大家普遍人都认为复利只有正的利力，但是可怕的是还有——负复利。 高额的房贷，在我看来就是负复利，房价向下的周期内，你的代价不仅仅只是负复利的房贷，还是未来30年的沉默成本、机会成本。 而这些， 都是你在放弃成为一个更好的人、更好的成长的机会。 你本可以转行、创业、去新的城市、换机会、追求成长…… 但你没有，因为你背着一个需要 30 年偿还的沉没成本。 于是你不敢辞职，不敢冒险，不敢追求自己的可能性。 这才是高房贷真正掏空人的地方——它锁死了你的选择权。 当你把未来 30 年的大部分现金流锁进一套房子里，你就等于放弃了： - 更高杠杆的人生投资 - 更灵活的职业路径 - 更大的个人成长空间 - 更高自由度的区域选择 - 更可能实现跃迁的机会窗口 机会不是没有，而是你的现金流全在「还房贷」这条管道里，根本没有资源去追逐它们。 从复利的角度讲，你牺牲的不是一个选择，而是一辈子的指数增长曲线。
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pms turn 1¢ bets into $2 volume wallets mark your memecoin at $1M on 50k liquidity protocols flex APYs that implode a week later they could all show real values but whats the incentive?
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@lisamahapatra This thread is inspired by the fact that I'm currently denormalizing for speed. The tables in question are big enough now, and stable enough in terms of the data model no longer being in flux, that some strategic denormalization gives wins validatable by EXPLAIN ANALYZEa.
@lisamahapatra Yes, views are great IF the data model is stable & it really is just a DX issue and not a performance issue. When the model is settled & we no longer need the flexibility of writing joins in code, then it's either denormalize (for perf) or view (for DX).
Mistral Vibe CLI is an open-source command-line coding assistant powered by Devstral. It explores, modifies, and executes changes across your codebase using natural language. Also under Apache 2.0. Install via: uv tool install mistral-vibe
Read about them here: https://t.co/FQbFiQr4D6
Introducing the Devstral 2 coding model family. Two sizes, both open source. Also, meet Mistral Vibe, a native CLI, enabling end-to-end automation. 🧵
Our next-generation coding model family Devstral 2 is available in two sizes: Devstral 2 (123B) under a modified MIT license, and Devstral Small (24B) under Apache 2.0. Both SOTA, open-source, free to use, and available now via our API.
She summarized everything you need to know from the "AI Engineering" book in 76 minutes. If you don’t have time to read the book, watch this video. Foundational models, prompt engineering, evaluation, RAG, memory, fine-tuning, and more. Great starting point.
Product & Devs Growth @Cyfrin | Ex @Alchemy | Created @cyfrinupdraft and @AlchemyLearn | Robotics | Making web3 mainstream
