Does that combine B+ and B-?

Takes money. To make money.

[removed]

“He’s gifted in exploitation”

It’s nice to hear your reply isn’t nasty, seems like most replies are people who wish for open class warfare. Congrats on kicking nicotine, it’s a very tough thing to do and it’s impressive you found the motivation without kids or a spouse.

I wish you luck although this graph shows you don’t really need it

Do you mean he had investing partners?

No one lucks into 110 billion lol. There has to be some skill

We've had a few years since the Belichick-TB breakup, and I think I'm coming to an opinion on the relationship.

Belichick is a defensive genius. His defenses will consistently play well enough to keep his team in the game most of the time, but if he doesn't have an offensive playmaker on the field who can take advantage of those opportunities, it doesn't really matter.

TB is clutch af. He may be the clutchest player in NFL history and quite possibly the clutchest player in the history of any American sport, but he can have VERY long stretches where he looks and plays pretty average and needs a solid defense to put him in a position where those clutch plays actually matter.

That's my current working hypothesis. I think most people have come to the conclusion that the dynasty was mostly Brady, because of the success he has had in Tampa Bay whereas New England hasn't had much success, but since the breakup, Brady has had a pretty good defense every year in Tampa Bay whereas New England has not had a good offense in any of those years.

Comics are not the same as Anime

I don’t really understand the details of how EPA is calculated, but only the Bears and Cardinals gave up more points per game. How can they be league average in ‘expected points’ but almost last in ‘actual points’?

Interesting idea. I'm not sure how to do that.

Have you considered putting in a dotted line showing where teams had previously been? Too confusing for me to make anything from this. Who's on top, who's on bottom, who's doing better and worse overall?

Absolutely. It is a sad reality that those who would benefit from a windfall the most are the least likely to receive one.

It's a resolution of mine to reduce Going Out and Dining Out. The Going Out category includes all my vices...alcohol, nicotine (a big expense I finally was able to quit thank god), as well as any other drugs.

As for the saving, I think I was able to save this amount because at 26, my expenses are about as low as they ever will be, given I live with roommates, have no dependents, and student loan payments have been frozen for the past year plus.

Lastly, I am grateful for the $20k but it came from the sudden death of an immediate family member, so it doesn't feel very lucky but it's still a privilege I suppose. The way I look at it is that it's as if I don't have student loans, because the amounts are roughly the same.

Yeah, fair enough. I've seen other posts where folks didn't seem to understand the opportunity cost, but it looks like you're making a conscious choice. That's good to see.

1. Patriots offense (pretty bad) is worse than the Chiefs' defense (average)
2. Patriots defense (very good) is worse than the Chiefs' offense (great)
3. Special teams is not included in this graph. I don't have numbers on overall special teams, but I know the Patriots surrendered 3 kickoff returns for TDs and had either the worst or second worst punting unit in the NFL, so that cost them a fair amount as well.
4. There's luck/clutchiness involved in converting expected points to actual points, and then again luck/clutchiness in turning actual points to actual wins. The math says the points for/points against for the Patriots would normally lead to 9.0 wins in a 17 game season (they won 8) and the Chiefs would normally have 11.4 wins in a 17 game season (they won 14). So their expected wins are quite a bit closer, but the Chiefs were better at closing out wins, and the Pats blew some close games.

These numbers are scaled so that the best offense and the best defense are 1.0, but the EPA/play models do tend to show good offenses with higher EPA numbers than good defenses. But that may reflect the EPA model more than the actual truth of the connection between offense and defense and wins. The 49ers likely have the best defense this year, and the Chiefs or Bills likely had the best offense, and all three teams have 13 or 14 wins. So... both are good?

[removed]

It's easy to do this and I'm not perfect by any means but it's important to not make judgments based on face value.

I have $28K in student loans. I didn't make payments, because student loan payments have been frozen for the past year plus, which helped me save way more this past year.

My inheritance was from the sudden tragic death of an immediate family member. While I am grateful for the money, I would trade it all and more back.

My parents worked blue collar jobs. I attended public schools and public university. I didn't even know what government consulting was until my senior year of college when I needed to start applying for jobs. I didn't know what I wanted to do with my life and I still don't - I just knew I didn't want to worry about money the way my parents did.

A few years ago, a post like this one in this subreddit inspired me to start tracking my expenses and begin budgeting. I posted this visualization to get some congratulations but also to hopefully inspire someone else to take control of their finances.

I put in a 5 second pause, Reddit automatically cuts it out. Drives me nuts.

It’s more of a peace of mind thing for me. I’d rather just be done with my mortgage sooner rather than later. I did the same for my car. I understand it’s not the most logical financial decision. But I feel better not having any debt.

All that’s missing is the average poop per day...

Delaware is baseline 0, not "1"

[removed]

I'm a Niner fan so I've been watching them all year. Clearly their offense has improved and psychologically it's lifted the team up. Purdy's first game as a starter resulted in 35 points - a HUGE offensive impact. But the Niners' and Chiefs data in this chart seem to point in opposite directions.

Or maybe just a very lucky one. There's a lot of studies that suggest no such thing as a "gifted investor" actually exists. Even Warren himself seems to largely endorse this belief.

Some more than others, by 80% in the case of Montana!