Lauren Self @laurenlself Twitter profile | Pikagi

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Lauren Self

@laurenlself

11,787

Followers

1,951

Following

438

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5,952

Statuses

Proletari-it girl

Las Vegas/SF

https://t.co/4bH76o9vrb

Joined April 2009

Don't wanna be here? Send us removal request.

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@laurenlself

Lauren Self

4 months

The most overlooked part of the 2008 Great Financial Crisis was its cause. Sure, The Big Short is one of your favorite movies, so you know it had to do with credit rating agencies assigning AAA and AA ratings to subprime mortgages. But do you know why they were doing that?

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@laurenlself

Lauren Self

13 days

Do I have unrealistic expectations of men or is that… not a lot of weight for a guy with muscles that big?

@greg_price11

Greg Price

14 days

Go to the gym, eat protein, pray the rosary, and stop voting for Democrats so that you'll be able to look and think like RFK Jr when you're 70 years old

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@laurenlself

Lauren Self

13 days

Flirting with an autistic guy

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@laurenlself

Lauren Self

13 days

There are two types of men

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@laurenlself

Lauren Self

5 months

IT’S HAPPENING

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@laurenlself

Lauren Self

5 months

Alright, hear me out. What if we just built more housing? No, I don’t mean “what if we reform permitting and slowly work to improve the system” I mean just BUILD MORE HOUSING All we need is one based landowner to give the middle finger and just BUILD What are the NIMBYs

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@laurenlself

Lauren Self

13 days

@cixliv Makes sense. I didn’t realize how much muscle ≠ strength at older ages

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@laurenlself

Lauren Self

13 days

@FracSlap So my expectations are in fact unrealistic?

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@laurenlself

Lauren Self

2 years

due to inflation, house music is now studio apartment music

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@laurenlself

Lauren Self

3 years

My CEO said I get to take the whole week of Thanksgiving off 🥳 (It’s me, I’m the CEO)

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@laurenlself

Lauren Self

4 months

In response to the Savings and Loan Crisis of the late 80s-early 90s, Congress passed regulatory and capital legislation in favor of Fannie Mae, a government sponsored entity (GSE) created in 1938 to support lenders who were struggling through The Great Depression.

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@laurenlself

Lauren Self

4 months

I WILL DRINK ONE GLASS OF RAW MILK FOR EVERY LIKE THIS POST GETS

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@laurenlself

Lauren Self

1 year

People in NYC be like “Looking to sublet my apartment!! Interested? I’ll be gone from the 27th to the 28th.”

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@laurenlself

Lauren Self

4 months

They lied. So began a decades long, still enduring misinformation campaign designed by lobbyists to paint the people behind the programs that helped Americans as the bad guys and the private lenders that profited from their reduction in market share as the good guys.

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@laurenlself

Lauren Self

4 months

As a response, lobbyists hired by private market lenders started initiatives to encourage competition between Fannie Mae and private lending markets. This is where it all began.

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@laurenlself

Lauren Self

4 months

Hundreds of claims that Fannie Mae execs cooked the books to trigger payouts for themselves on tax payer dimes can be found in one simple Google search. Yet, if you read opinions from the judge in the class action lawsuit filed against them, you'll hear a very different story.

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@laurenlself

Lauren Self

3 years

It costs 0.00 ETH to call your mom

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@laurenlself

Lauren Self

3 years

Excited to announce that my 2.5 month old startup has revenue! 💰🤑🚀🌱🏡 Now back to work.

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@laurenlself

Lauren Self

4 months

The new legislation paved the way for Fannie Mae to thrive. Downpayment requirements were tied to interest rate and credit risks. If they kept risk low (a benefit to taxpayers) they could offer attractive prices on their mortgages with low down payments.

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@laurenlself

Lauren Self

4 months

Over almost nine years, 67 MILLION pages of documents were reviewed by courts and 158 witnesses bore testimony. In the end, no evidence emerged to support claims of wrong doing. But I digress, let's get back on track: private lenders didn't like competing with Fannie Mae.

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@laurenlself

Lauren Self

4 months

This was stellar news for Americans, but private lenders were NOT onboard. They now had to compete with a GSE offering more attractive terms. How could they? Profits were squandered.

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@laurenlself

Lauren Self

4 months

To take market share from Fannie Mae, private lenders had to overcome reality, and who better to help them than lobbyists? Record volumes of low-cost, fixed rate loans were being sold to buyers at minimal risk to tax payers. So how did they bypass reality to get their way?

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@laurenlself

Lauren Self

13 days

@rahoolsidoo This makes the most sense

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@laurenlself

Lauren Self

4 months

This topic is dear to my heart. My family was one of the 6 million that lost their home during the crisis (ARM, in our case.) I believe it's important to understand how we got here so we can ensure it doesn't happen again.

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@laurenlself

Lauren Self

4 months

Enter: subprime mortgages, the private market offering designed to compete with Fannie Mae. When Fannie issued mortgage backed securities (MBS), they'd receive AAA or AA ratings because the loans were guaranteed by the GSE. Subprime mortgages came with no such guarantee.

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@laurenlself

Lauren Self

4 months

Recall the support private lenders had from The Federal Reserve and the Treasury. Both organizations pushed for and successfully obtained AAA and AA ratings for private-label MBS. Did you ever notice this metaphor The Big Short? The credit agent is "turning a blind eye."

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@laurenlself

Lauren Self

4 months

This indicated to investors that sub-prime mortgages were equivalent in credit equality to GSE-backed mortgages. Spoiler alert: THEY WERE NOT.

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@laurenlself

Lauren Self

2 years

My favorite people exist at the intersection of being brutally realistic about the state of the world, and relentlessly optimistic about where it’s going

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@laurenlself

Lauren Self

4 months

While I study and occasionally write about residential real estate in my free time, I spend the majority of my time working to improve financial outcomes for working class Americans – families like my own.

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@laurenlself

Lauren Self

5 months

Alright, hear me out. What if we just built more housing? No, I don’t mean “what if we reform permitting and slowly work to improve the system” I mean just BUILD MORE HOUSING All we need is one based landowner to give the middle finger and just BUILD What are the NIMBYs

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@laurenlself

Lauren Self

4 months

Importantly, Fannie's competition had support from the Federal Reserve and the Treasury, with whom they shared ideological beliefs about free-market principles. They planned to restrict Fannie Mae by raising their cost of capital and developing new private mortgage products.

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@laurenlself

Lauren Self

4 months

But alas, the most profitable mortgages for private lenders to finance were the lowest-quality mortgages. Lenders loved selling them. Subsequently, the REAL credit quality of MBS fell precipitously. Few noticed.

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@laurenlself

Lauren Self

4 months

My company Roots Homes makes it easy to find and buy homes with assumable interest rates as low as 2%. Didn't get a 2% mortgage in 2021? Get a 2% mortgage from 2021. Check it out here:

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Save thousands every month with an assumable mortgage.

www.roots.homes

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@laurenlself

Lauren Self

4 months

Home prices peaked in 2006, one year after home sales peaked. Another year later, at the end of 2007, defaults on private-label MBS were so high that the market was shut down entirely, and thus, the GFC began.

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@laurenlself

Lauren Self

5 months

Dating me be like

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@laurenlself

Lauren Self

4 months

Halloween isn’t until October but here at Anduril we deliver ahead of schedule

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@laurenlself

Lauren Self

5 months

If anyone needs a list of single men in e/acc lmk, they’re all in my DMs

@laurenlself

Lauren Self

5 months

Dating me be like

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@laurenlself

Lauren Self

13 days

@duncan__c Why aren’t you?

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@laurenlself

Lauren Self

3 years

We raised $700 million for our last company, built a relationship with the SEC, and partnered with Walgreens — all before MVP. We’re raising for our next company in January. The Department of Justice is leading the round. Let us know if you want allocation.

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@laurenlself

Lauren Self

2 years

ahead of the $open earnings call tomorrow, a story 🧵 the house across the street from me in Las Vegas has been for sale for a while. out of curiosity, i checked the @Zillow price history.

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@laurenlself

Lauren Self

3 months

I likely said this at 20. Now at nearly 30, here are my top 5 tips for your 20s: 1. Set your threshold for suffering high. If you’re lucky, you’ll face unimaginable trials. The more it hurts, the better. Your worst experience can become your greatest blessing.

@aribk24

Arib 🇺🇸🇵🇰

4 months

top 5 things to do in your 20s 1. make a million 2. travel 3. buy a house 4. spend time with lions 5. build a mosque

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@laurenlself

Lauren Self

2 years

HE SAID YES. 💍 WE’RE CO-FOUNDERS. 💚 @sambarsness slid into my DMs last year and we started working together the next day. in practice, he’s been my co-founder for a while now. this formality was long overdue. words can’t express how happy i am to make it official!

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@laurenlself

Lauren Self

2 years

when you got an adjustable rate mortgage in 2021

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@laurenlself

Lauren Self

13 days

He made this for me

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@laurenlself

Lauren Self

3 months

Didn’t have cyberpunk aircraft carrier rave on my 2024 bingo card but here we are

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@laurenlself

Lauren Self

2 years

investors who reply to your updates go to heaven 😇

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@laurenlself

Lauren Self

11 months

I know a founder who is building something insane in fintech (I can’t wait to use it!) They’re shipping and acquiring customers at a wildly impressive rate. Team is small & grinds for 10-12 hours 6-7 days a week, big focus on recovery & health during off-hours. Looking to grow

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@laurenlself

Lauren Self

4 months

@PolaSays A 439 page book provides a better description than my 17x280 character limit thread? Can’t be true!

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@laurenlself

Lauren Self

13 days

@FracSlap Hmmmmm

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@laurenlself

Lauren Self

2 years

It’s a big day for @RootsHomes_ . Since late last year, we’ve been quietly onboarding early customers. Today, we’re excited to announce $2.2mm in funding to accelerate the growth of our mission: to make homeownership easy for Millennials and Gen-Z. 🧵⬇️

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@laurenlself

Lauren Self

4 months

I’m Lauren Self. I’m 29 years old, I’m appalled by my options, and I have no idea what I should do in November.

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@ChayaRaichik10

Chaya Raichik

@ChayaRaichik10

4 months

I’m Chaya Raichik. I’m 29 years old, I’m in the US, and I’m NOT voting for Joe Biden in November. How about you?

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@laurenlself

Lauren Self

5 months

I’m 99% sure this is about San Francisco

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@laurenlself

Lauren Self

3 years

imagine having a dozen of the world’s finest angel investors back you AND buying a perfect home for @RootsHomes_ in ONE WEEK! someone pinch me!

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@laurenlself

Lauren Self

3 months

Wow. I didn’t know that. You're telling me now for the first time.

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@laurenlself

Lauren Self

3 years

and I couldn’t help but wonder, if crypto bros love APY, could they also love therAPY?

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@laurenlself

Lauren Self

5 months

Deleted Airchat. Already have enough voices in my head.

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@laurenlself

Lauren Self

2 months

I like it when people say the r word it means I’m in a safe space

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@laurenlself

Lauren Self

3 years

bought the dip

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@laurenlself

Lauren Self

3 years

Women only want one thing and it’s Bitcoin over 65k

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@laurenlself

Lauren Self

2 months

Forever grateful for my ex, who, when I was 21 and bragged about what I had achieved despite my young age, told me to knock it off and stop associating success with youth. He reminded me that I wouldn’t be young forever and that such a mindset would be disastrous as I get older.

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@laurenlself

Lauren Self

10 months

I’m a big fan of the high-T culture a lot of male, American-dynamism-adjacent founders are exuding lately. Much of our best technology was built by guys who could barely do 10 push ups. I can’t wait to see what the men who deadlift 300+lbs do.

@JoshuaSteinman

joshua steinman (🇺🇸,🇺🇸)

@JoshuaSteinman

10 months

Me and the boys getting ready to raise our Series A

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@laurenlself

Lauren Self

3 years

Did Lizzie Holmes ruin turtlenecks for founders? Can I wear this safely without scaring investors?

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@laurenlself

Lauren Self

6 months

No one told me the arena would smell like this

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@laurenlself

Lauren Self

1 month

If your last name is Lauren my DMs are open

@MediumSizeMeech

Meech

@MediumSizeMeech

1 month

Ralph Lauren’s son David Lauren married a woman named Lauren Bush (her uncle is George W) and she took his last name so now her name is Lauren Lauren. What the hell.

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Lauren Self

3 months

3. Spend every minute you can with people you love, and spend as much of the remainder of your time as possible totally alone. That’s how you really get to know yourself.

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@laurenlself

Lauren Self

3 years

the founder urge to start your investor update with “sup, fam?”

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@laurenlself

Lauren Self

2 years

do not make this sexist. this is not sexist. Elizabeth Holmes knowingly perpetrated human suffering by allowing medical misdiagnosis. these things are not the same.

@fintwit_news

Fintwit

2 years

Elizabeth Holmes, founder of Theranos, lost investors $1 billion. She faces up to 20 years in prison. Adam Neumann, founder of WeWork, lost investors $11 billion. He then raised $350 million for his next startup.

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@laurenlself

Lauren Self

2 months

Pictured: two girlies eagerly waiting to see the Falcon 9 rocket launch Not pictured: me crying when I saw it while the Apollo 13 (movie) launch music played loudly in my mind

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@laurenlself

Lauren Self

5 months

@bscholl YES (legally speaking this is a “joke”)

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@laurenlself

Lauren Self

5 months

Do you ever think about how China might actually invade Taiwan because it doesn’t matter if they disrupt the supply chain and can’t get the “best” GPUs when their electricity generation doubles every decade and they can just brute force 1 TW of compute because AI training is

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@laurenlself

Lauren Self

2 years

POV you spend all of friday night shilling your start up in facebook groups with strong customer potential and by the time the sun rises with its sublime morning glow your waitlist value has increased by $83k

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@laurenlself

Lauren Self

3 months

2. Paint an extremely clear vision of what you want and don’t want in your life, and act accordingly.

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@laurenlself

Lauren Self

2 years

I’m a 27yo female fintech founder, and I’m excited about Adam Neumanns new startup. Here’s why:

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Why I, a Female Millennial Fintech Founder, am Excited About Adam Neumann’s New Startup

Rental housing is a hot market, but it just isn’t working for renters.

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@laurenlself

Lauren Self

2 years

being in ODX is like catching a star when you play Mario Kart — for a period of time I’m running around nearly unencumbered by anything negative that comes my way because of the support I have all around me. cannot recommend @beondeck enough.

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@laurenlself

Lauren Self

4 months

@mopipomixer Ohhhhh maaaaan I should’ve opened with this meme! Nice addition. Thank you!

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@laurenlself

Lauren Self

2 years

Christmas dinner is about to pop off

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@laurenlself

Lauren Self

1 year

@BeccaLizz Children should be protected by society at all costs, including inconveniences that ensure they remain beside the adult(s) who care for them.

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@laurenlself

Lauren Self

2 years

Roots makes dreams come true. Patricia and I met in a Facebook group last month. today, we looked at houses for her family of six. they found their dream home! @RootsHomes_ is buying it for them. they’ll build equity with each monthly payment.

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@laurenlself

Lauren Self

4 months

I went through TSA with: - a bitcoin miner - a sandwich bag full of creatine - a 24,000 mAh battery - a water bottle Guess which one they stopped me for

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@laurenlself

Lauren Self

2 years

when i was just 16, i had a random encounter at a juice bar that led to me meeting someone who changed my life forever. he took a chance on me, a bright eyed and ambitious kid with absolutely no direction, and gave me the opportunity of a lifetime.

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@laurenlself

Lauren Self

2 years

we're hiring @RootsHomes_ ! - UI/UX designer - iOS developer 🤝refer your bestie and we'll pay you $2500 when we hire them.🤝 more here:

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@laurenlself

Lauren Self

3 months

Slept for 14.5 hours straight AMA

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@laurenlself

Lauren Self

4 months

@wavelinejosh 😂😂😂

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@laurenlself

Lauren Self

3 years

me 1 year ago: creating efficiencies so I can work <5 hours/day me now: creating efficiencies so I can work >10 hours/day what changed? working for someone vs. working to build things I’m passionate about I’m doing so many things that I LOVE and I want more time!

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@laurenlself

Lauren Self

2 years

you know the feeling when you can’t help but cry because you’re so happy? yeah, that was me 6500ft over Canyonlands this morning.🔥✈️

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@laurenlself

Lauren Self

1 year

Trying to do a pull-up 4 weeks ago vs doing a pull-up this morning

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@laurenlself

Lauren Self

5 months

@justingordon212 They’re waking up to what our country was meant for 😈

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Lauren Self

1 year

Vegas architecture is on the come up

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@laurenlself

Lauren Self

6 months

@LasVegasLocally Promote her

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@laurenlself

Lauren Self

3 years

Met a new human last night. We noticed our socks were the same and now we’re friends. This community is incredible. @beondeck

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@laurenlself

Lauren Self

3 months

Going to my first rave. Am I doing this right?

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@laurenlself

Lauren Self

11 months

Do I know anyone in SF who highly values: -working hard -getting quality sleep -pushing physical limits w/ exercise -laughing so hard you cry -spending time with dogs who also needs a roommate starting in the next few weeks or months? Asking for me 🤪

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@laurenlself

Lauren Self

2 years

Opendoor is currently sitting on $342mm of inventory in Vegas ALONE. based on county records, they acquired $296mm in assets from April - July but only sold $172mm in the same period. considering how hard Vegas is being hit in this dip, i’d say this is… not good for $open.

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@laurenlself

Lauren Self

3 years

Life comes at you fast. 9 months ago I was just a girl trying to buy a house and now I’m a girl trying to buy _everyone_ a house.

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@laurenlself

Lauren Self

2 months

Hot take: pointing to “generational trauma” is victim-coded and lame “My view of life/relationships are bad because of my family history” Vs I am the daughter of peasants who sailed from England and pioneered the west against all odds without dying. Anything is possible

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@gunsnrosesgirl3

Science girl

@gunsnrosesgirl3

2 months

How generational trauma works

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@laurenlself

Lauren Self

4 months

As a teenager, I was terrible to her. Bitter and sad about losing my dad, I took it out on her in unimaginably mean ways. I’ll probably never forgive myself for that, but she forgave me a long time ago, because that’s just who she is. Her love knows no bounds. I’m so lucky. ❤️

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@laurenlself

Lauren Self

3 years

My family lost the house I grew up in to foreclosure in 2008. I don’t talk about this a lot but what I’m building @RootsHomes_ is deeply personal. I’ve been renting for > 1/2 my life. I’m so tired of traditional renting. The next lease I sign will be an equity earning one. 🚀

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@laurenlself

Lauren Self

12 days

What’s the most beautiful state and why is it Utah?

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@laurenlself

Lauren Self

3 years

Interested in being a first 5 hire at a start up going after a $2.2 TRILLION market? Excited about being a part of building the future of rent? 🚨ROOTS IS HIRING🚨 Whatever your skillset is, DM me and tell me about you, your passions, and how you could help!

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@laurenlself

Lauren Self

2 years

🚨Big news for Las Vegas!🚨 is now live with more than 800 homes to choose from! As a Roots member, you’ll build equity every month. No downpayment. No long-term commitment. Pay rent. Build equity.🏡💸 Find your dream home today! ⬇️⬇️⬇️

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Save thousands every month with an assumable mortgage.

www.roots.homes

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@laurenlself

Lauren Self

4 months

Overheard in San Francisco “I’ve never heard of burn multiple before, but then again I’ve never worked for a company that made money”

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