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David Lewis | Life Insurance Nerd Profile
David Lewis | Life Insurance Nerd

@monegenix

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Life insurance agent and advisor | Alt-investor | Author | Pronouns: Dollars/Cents | Tweets ≠ financial advice

North Carolina, USA
Joined November 2022
Don't wanna be here? Send us removal request.
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@monegenix
David Lewis | Life Insurance Nerd
5 months
I agree. Tweets are not financial advice
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@JankyMcstevens @InsaneRealitys “Hey Siri!… HEY SIRI!…. HEY SIRI!!!!…” It just doesn’t work when you need it to. Lucky he remained conscious while the tech repeatedly failed.
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@FVVVVAAARRRKK @rakishromantic @VivaldiVril @RockDaisy12 That’s not what this post is about. 3/10 on the red herring attempt tho. This is about an adult attacking a young boy in response to something the daughter did. That’s objectively bad parenting and probly criminal assault. Do you support criminal assault?
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@uncledoomer Like the opposite of 2007 Avril Lavigne
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@rakishromantic @VivaldiVril @RockDaisy12 He will find out soon enough with his own children. Child psychology is not new science. These behaviors in parents result in fairly predictable responses in children.
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@sweatystartup Yes, you can have both. In fact, Starting Strength has definitively shown you can (and probly must) lift to be able to play on the floor with your grandkids at 80.
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@ramit @ramit Let’s try this: raise your effective tax rate to 100%. No deductions. That should be the best society ever, right?
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@monegenix
David Lewis | Life Insurance Nerd
5 months
@realpeteyb123 It’s not righteous to say you’ve never done recreational drugs. It’s rational. Oops. That’s triggering, isn’t it? Oh well. Lots of recreational drugs are short-term fun, but long-term destructive. They are life-diminishing, and it’s perfectly rational to avoid them altogether.
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@monegenix
David Lewis | Life Insurance Nerd
14 days
@BarbellFi @FilledWithMoney Sure you can. Ppl’s standards are unrealistic for a “decent” car. You won’t find a sub 100,000 mile vehicle for under $5,000. But Toyotas and Hondas are notorious for running 300,000+ miles. Some basic maintenance is all that’s needed in many cases. Sometimes, you get stuck with
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@monegenix
David Lewis | Life Insurance Nerd
9 days
@RealAmirHated @Ras_Mixx @gemzcore This is incorrect. Children only genuinely learn when they do it themselves. Elsewise, they are memorizing what an authority figure tells them is correct. If you’ve been fogging a mirror for the last 4 years, you’ll see the significance between the two. For children, slow is
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@ChrisMasterjohn You can also dig up the old life insurance companies’ mortality tables. Levi Meech compiled a lot of the early mortality data. Before that, John Graunt and Edmond Halley compiled some of the first (maybe the first?) mortality tables. Loads of historical data there.
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@NutriDetect Maybe the warriors died because war and not milk. I dunno. Just a hunch.
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@darrelltalksfi Government creates a prison, sells you an easy pass to get out for some fresh air more often than other inmates. Inmates exclaim: “Wow! Criminally underpriced!” 🤦🏽
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@monegenix
David Lewis | Life Insurance Nerd
1 year
@elBenb0 She’s ovaryacting
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@monegenix
David Lewis | Life Insurance Nerd
5 days
@sam_gzstrength Him or you? Overweight people are chronic liars about food intake and exercise. I’ve never seen an exception and I don’t think one exists. They have to choose to abandon their self-deception and be honest with themselves. Some do. Many do not, unfortunately. It’s a shame. We
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@monegenix
David Lewis | Life Insurance Nerd
7 months
@Pint_01 @fasc1nate Mysticism is a mind disease. Those who believe are constantly trying to convert those who don’t, usually by any means necessary but guilt and shame are their favorite tools
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@monegenix
David Lewis | Life Insurance Nerd
4 months
@FilledWithMoney @MrBudgetBill I assure you State Farm pays a buttload in premium (and other) taxes. Amazing how they can lose billions and still have capital reserves to spare. It’s almost like the insurance companies know what they’re doing…
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@Ritholtz Rates are historically within a normal range. Sub-5% isn’t normal. Everyone wants cheap money, but nobody wants the consequences of cheap money.
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@monegenix
David Lewis | Life Insurance Nerd
8 months
@CraigChamberlin @WallStreetSilv Never impressed with his advice. Envelope budgeting inherently flawed. Debt snowball inefficient. Investment and debt advice sophomoric and nonsensical. Engages in classic guru shenanigans. Has grain of truth in what he says, tho, which creates illusion of credibility
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@monegenix
David Lewis | Life Insurance Nerd
1 month
@mazemoore “I don’t know how you sleep at night” / With a steady heartbeat.
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@PunkyCovfefe Your total out of pocket is $1,774 per month if you ever need to use it (this includes amortizing the co-insurance and deductible). Your rate *starts* here and will likely increase. That’s insane to me considering in 2012, I had insurance that cost $108/mo. Even with the
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@monegenix
David Lewis | Life Insurance Nerd
5 months
@twit_clay @SS_strength @wolfstrength Lying isn’t new for Jordan and crew. Years ago, I bought some templates from BBM. This was around the time they were really ragging on Starting Strength and poking fun at Rip, and not in a friendly way. He made a big deal about how Rip’s material was garbage and the SSC cert
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@monegenix
David Lewis | Life Insurance Nerd
1 month
@MMABoxFanatic @mma_orbit He’s taking on two normal-sized men (which I doubt you or most other men could do) and kicking the crap out of them. They’re not small. He’s just that big (and strong). You just saw a real life power-bomb on an unwilling opponent followed by a one-punch knockout. He was holding
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@ramit I guess I hit a nerve. Except I mean it, and you don’t. Your insults are purely emotionally driven. I’m serious. If you love taxes so much, you should give all your money to the Treasury, which you’re free to do. No one will stop you from paying more taxes. You don’t need to
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@DisaffectedPod The father is drowning in mysticism—the belief in the unreal. In this case, the idea that a sex change is possible. A=A. He actively refuses to accept this. These people must decide to be rational for this to end. Otherwise, it’s hopeless (for them). As for the rest of us, they
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@Snarkage1 @JanetMi54884187 @iii_ronto @RepThomasMassie @ScottAdamsSays The IRS’s own figures confirm rich people pay most of the taxes. The top 50% of earners pay 90% of the taxes. And the more tax you assess on investors with capital, the less capital they have to invest to make more values (goods and services) for others and society. They will
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@monegenix
David Lewis | Life Insurance Nerd
8 months
@Car_Sales_Guy @GuyDealership Who has persuaded them that trading a long-term valuable asset for a short-term depreciating commodity was a good idea?
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@monegenix
David Lewis | Life Insurance Nerd
5 months
@InternetH0F The man threw a full-blown temper-tantrum because the guys on the T.V. wearing the laundry he likes, lost.
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@sweatystartup Hey Mr. Doubledown, you’re not going to like where this idea takes you when you’re 80. Pick up a barbell and put it down, repeatedly. You will get *literally* a ton of value from it.
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@monegenix
David Lewis | Life Insurance Nerd
14 days
@iamyesyouareno The black lady was a 10
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@EliHydeFitness Bench. No bro is going to say it tho because reasons. Bench is the least necessary of the three and translates the least to normal human movement patterns.
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@cremieuxrecueil Egalitarianism and Social liberalism *require* authoritarianism to enforce.
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@Jerod_Frank It’s all contextual, guys
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@monegenix
David Lewis | Life Insurance Nerd
1 month
@collin_ruth89 I agree dog owners should be more responsible, but “there outta be a law”? Really? Is there anything else society should do to cater to your delicate needs?
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@DisaffectedPod What in the Cluster B is this?
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@monegenix
David Lewis | Life Insurance Nerd
1 month
@Duderichy Everything is learned. Babies start Tabula Rasa. They must learn to see and use their other senses. Sensory integration takes time to develop. Sometimes, it doesn’t develop properly (as in the case of dyspraxia).
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@monegenix
David Lewis | Life Insurance Nerd
17 days
@DisaffectedPod On the one hand, it’s free cast iron. On the other, why would someone throw it away? Is this like the B.O. tainted car from Seinfeld or no?
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@monegenix
David Lewis | Life Insurance Nerd
4 months
$5 million generates $250,000 of income at 5% interest. Less taxes and you might be able to live in a big city. You can probly live in a rural area with that, and still afford the early bird special on Friday night. Eventually, healthcare costs will eat that if you need skilled
@tropicaltrader7
Tropical Trader 🌴🩴🌺
4 months
I have been seeing a lot of these posts about people needing a minimum of 5 million dollars to retire 🧐 I am curious about what kind of lifestyle they envision to require this amount of money I am guessing their current expenses must be pretty high? Enlighten me 😜
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@monegenix
David Lewis | Life Insurance Nerd
6 months
@scrollpastthis Skin on skin is normal. It kickstarts the bonding process for children. Yes, even for men. Fathers who are not responsive to their child’s needs (i.e. refuse to be caregivers on par with mom) *cause* psychological problems in the child. This is part of Attachment Theory. Child
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@palminvesting Her husband is a man-child
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@Ritholtz Cmon Barry. Government also massively raised spending and borrowing during this time too. Today, the top 1% pay 46% of all income taxes paid. The top 10% pay 76% of all income taxes paid and the top 25% of earners in America pay 89% of all taxes paid. If you back it down to the
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@FiestaBlanco @zetalyrae Dynamic range. Idiot sound producers who believe everything should be mixed for blow-your-ear-drums-out movie theater speakers. Can’t be bothered to properly mix the sound for home theaters or just a normal sound system at home.
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@monegenix
David Lewis | Life Insurance Nerd
5 months
@BowTiedYukon Low bar back squat, conventional deadlift. Bench press. Overhead press. I cannot imagine anyone sticking to just those and not getting strong. And if you want to be “lean”, add conditioning work and a mild calorie deficit. How much harder does this have to be?
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@monegenix
David Lewis | Life Insurance Nerd
6 days
@Cluffalo Men and women are different, and those differences are significant and important, but this is an extremely shallow (and emotionally immature) view of those differences—almost cartoonish.
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@monegenix
David Lewis | Life Insurance Nerd
2 months
If you told people just how valuable whole life insurance is, they simply wouldn’t believe you today. It’s not real to them—almost like the past never existed. But it was Wanamaker’s “secret” to building his flagship store in center city Philly. His ideas about it are woven right
@monegenix
David Lewis | Life Insurance Nerd
2 months
“I did not know what life insurance really meant to me until my policies were falling due—and I had a large sum of money with which I began to build my Philadelphia Store. I would not have been prepared to start my building when I did if I had not saved $2,500,000 little by
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David Lewis | Life Insurance Nerd
1 month
@TaraBull808 There’s one unsolved mystery here: husband says she doesn’t even have a job. How is she affording what looks like a nice house (kitchen looks very modern/upscale), not to mention the obvious cake?
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@monegenix
David Lewis | Life Insurance Nerd
1 year
@maxhill007 @0x_charlemagne @nntaleb TRT, lifting weights, and a good diet. Perfectly safe if done correctly. Actually much more dangerous to let yourself get old with low T
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@monegenix
David Lewis | Life Insurance Nerd
7 months
@BowTiedKong I’m just a small town bird lawyer, but what about just go speed limit? Avoids speeding ticket, yes?
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@AbudBakri There’s 2 parts to this: calories in and calories out. Some people’s bodies are really good at reducing the amount of energy burned for daily functions. Very “efficient” at energy consumption, and remain fat in spite of reducing calories. These folks probly need to force the
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@monegenix
David Lewis | Life Insurance Nerd
5 months
And most of those “peer-reviewed” papers aren’t original research to begin with, and aren’t repeatable. They cite sources which cite other sources which cite other sources, and so on. A black hole of sources, with seemingly no original research.
@endmyopia
Jake Steiner
5 months
Science is not "peer reviewed papers". That's academia. New science is never peer reviewed. Peer review requires consensus. Big breakthrough in science almost never come from the center of a profession. They come from the fringe.
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@monegenix
David Lewis | Life Insurance Nerd
1 month
@sam_gzstrength This reminds me of when my buddies and I would tune cars. Bigger engine = more performance, but lower longevity of the car. Smaller engine = more fuel efficient and longer life but not as powerful. Goal became a nice mix of strength and longevity. At some point, this analogy
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@monegenix
David Lewis | Life Insurance Nerd
5 months
This is a mostly ignorant take, which is common among financial guru types. The basis of all life insurance is Human Life Value, not arbitrary “need” of insurance. Nobody “needs” insurance. You buy because you value your productive ability and don’t want to lose it. If you
@ramit
Ramit Sethi
5 months
This is the analysis that life insurance salesmen use to convince a 24-year-old with no dependents that she needs whole life insurance
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@monegenix
David Lewis | Life Insurance Nerd
14 days
@ashleygjovik On a scale of 1-10, with 11 being business-ending litigation, how big is this lawsuit going to be?
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@monegenix
David Lewis | Life Insurance Nerd
5 months
@DisaffectedPod Are you sure that ain’t Steven Tyler?
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@monegenix
David Lewis | Life Insurance Nerd
6 months
@Fire5280 @7_PicosFinance Haha you judged in your op
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@monegenix
David Lewis | Life Insurance Nerd
1 month
@DisaffectedPod Kind of an altered take on the old saying, “the enemy of my enemy is (not necessarily) my friend” Sometimes, both people are bad.
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@danbennett31 Permanent insurance was a core financial product before everyone became obsessed with speculation. It’s not the only solution, obviously, but it’s a great financial foundation—whole life especially. Just as it cannot replace investments, investments cannot replace it.
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@monegenix
David Lewis | Life Insurance Nerd
1 year
@lisa_iannattone @nntaleb That was the clever marketing bit. What happens when you pay *and* you’re still the product. Think paid streaming services that kept using user data to creep ads back onto the paid side of the platform. Not quite as covert as Nielsen. “Freeloader” accusation is more marketing
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@monegenix
David Lewis | Life Insurance Nerd
5 months
@SullyBusiness I could be wrong about this, but this might be in violation of the service agreements these merchants have with their providers. I’ve seen where the major providers (Visa, MC) go after merchants because they’re not allowed to charge their fees to the customer.
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@monegenix
David Lewis | Life Insurance Nerd
1 year
@maxhill007 @0x_charlemagne @nntaleb Sounds like you don’t really know how this works. No one is going to force you to take TRT. You’re free to let your levels drop and accept the consequences
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@monegenix
David Lewis | Life Insurance Nerd
1 year
@OwenBenjamin @OwenBenjamin what you’re describing is equity investing. That’s fine, but interest is payment for use of money over time. It’s not parasitic. It’s the opposite. Parasitic is expecting someone to lend you money for nothing for for share of hypothetical returns. Recipe for fraud
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@shane_sideris Relax dude. No one is trying to scam you with whole life insurance.
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@monegenix
David Lewis | Life Insurance Nerd
18 days
@BowTiedTetra That’s the brilliance of it. Put a hot chick in a low cut dress and have her ask him everything about himself. These guys love to talk about themselves, their job, etc. She’s feeding his ego and probly flirting with him the whole time before she gets to the questions.
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@monegenix
David Lewis | Life Insurance Nerd
4 months
@MayNotBeJoking @dhoytinaz @BasedMikeLee They do this with or without government intervention. And you don’t think government operates the same way? With private industry, you have a choice as to whether you accept the risk. You don’t get a choice with government. You just do it because there’s no alternative.
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@monegenix
David Lewis | Life Insurance Nerd
5 months
@cadeinvests Why stop at 8.5% returns? 😅
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@monegenix
David Lewis | Life Insurance Nerd
4 months
@MayNotBeJoking @BasedMikeLee You can’t really turn much of a profit if word gets out that your flights routinely crash and kill everyone
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@monegenix
David Lewis | Life Insurance Nerd
5 months
@BowTiedTetra Back in my early 30s, I went out bar hopping with a couple friends (I think it was birthday or something). I was wearing a blazer and chinos and one of them asked “Why are you so overdressed?” I mean… it wasn’t like I was in a full tux or anything. Been that way for a while
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@housleyd It’s very subtly teaching you to close the lid before you flush.
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@monegenix
David Lewis | Life Insurance Nerd
1 month
@DisaffectedPod Milgram predicted this
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@DisaffectedPod The best candy cigs were the ones with the paper wrapper and candy “dust” between the wrapper and candy so when you blew on it, it looked like a little puff of smoke coming out the end. We wasted so many of those just to look “cool”.
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@monegenix
David Lewis | Life Insurance Nerd
25 days
@TheMuppetPastor @realfemsapien This was me. I was 5’10”, 130lbs soaking wet in my 20s. I started lifting weights and eating like a man, and “ballooned” to 185, mostly muscle, and peaked at 190lbs bw. Found a nice girl, married her, had a baby at 40. Made enough money I could afford to essentially not work
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@monegenix
David Lewis | Life Insurance Nerd
8 months
@carsales_guy @GuyDealership Delinquencies are up tho right? So normal people are also not paying their car payment and also looking for ways to get out from under their expensive car payments.
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@BowTiedKong Yeah. The planes were literally inside the building
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@BowTiedBull That table is dubious. Life expectancy for a 50 yr old is 28.33 yrs and for a 65 yr old is 16.94 yrs—from standard ordinary mortality tables that life insurers use to make billions in profits per year.
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@monegenix
David Lewis | Life Insurance Nerd
1 year
@LordAbrasivism And life expectancy changes at every age. LE @birth for U.S. male= ~76. Once you get to 76, it goes to 86, and keeps extending out in shorter duration till you die. So cavemen died at 30. Really? Every single one of them? Pffft
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@monegenix
David Lewis | Life Insurance Nerd
5 days
@shagbark_hick That’s a 3 hr commute, bud… after working a min 8 hours. No sale.
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@monegenix
David Lewis | Life Insurance Nerd
1 month
@BowTiedEffer Whats with all the helpless man-childs on X who can’t take care of themselves and need a mommy-wife to do it? I wonder if they cry when they don’t get their way, too 🤔
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@monegenix
David Lewis | Life Insurance Nerd
6 months
@ChrisMasterjohn Chris Masterjohn, Breaker of Narratives
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@monegenix
David Lewis | Life Insurance Nerd
5 months
@neoseed_io This is actually not part of Voss’s system but he included it in case the negotiation stalls and goes sidewys. It’s actually part of another negotiator’s bargaining methods. The negotiation should be based on terms, not price.
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@monegenix
David Lewis | Life Insurance Nerd
9 months
@gnomeChomskii @lukner @CartlandDavid It’s weird how they still have the same talking points even though the science has turned against their narrative
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@monegenix
David Lewis | Life Insurance Nerd
3 months
Some of the wealthiest people I know ($5-$10m net worth and up) and some of the poorest people I know both own some whole life insurance. Each owns it and uses it somewhat differently. But, both value it for what it is, not what it isn’t. Pretty much the only ones criticizing
@shane_sideris
Shane Sideris, CFA
3 months
A Northwestern Mutual "financial advisor" tried to sell me a Whole Life policy a few years ago. I politely pointed out all the reasons I'd never buy something like that. I will never forget what happened next. He emailed me a PDF of 46 people I was connected to on LinkedIn,
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@monegenix
David Lewis | Life Insurance Nerd
7 months
@dom_lucre How can you be asked to turn yourself in with no charges filed?
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@nasa_to_decieve @RenOfMen You’re never going to get anywhere with True Believers. If you point out 1 contradiction or 1,000, they will find a way to hand wave and wiggle out of it or… get mad and quit the conversation. Religion is accepted *emotionally*. Eastern, western, and secular mysticism
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@monegenix
David Lewis | Life Insurance Nerd
7 months
@GuyTalksFinance He doesn’t want the responsibility of children. Nothing wrong with that. Better that than raising an unwanted child. There’s no duty to have children. So many ppl have hangups about this. Weird.
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@monegenix
David Lewis | Life Insurance Nerd
3 months
@mbontrager5 I mean, she’s not wrong. Phil Fisher did exactly this, as did Warren Buffett, Peter Lynch and others. I don’t know that she has “the system”, but it’s not impossible. It takes work, but it’s far from impossible to beat the index if you’re searching for return.
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@monegenix
David Lewis | Life Insurance Nerd
4 months
@BowTiedEffer Go into debt using a CC w/ 24% APR. Pay it off. Make 24% returns. (•_•) ( •_•)>⌐■-■ (⌐■_■)
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@sam_gzstrength I’ve had very similar discussions with folks. 2,000 calories of junk food vs 2,000 calories of meat, veg, and fruit. The former, people don’t bat an eye. The latter? Ppl always say “I could never eat that!” Me: It’s the exact same number of calories
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@monegenix
David Lewis | Life Insurance Nerd
1 month
@xbtGBH I legit want to subscribe to see what else this guy does 😅
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@monegenix
David Lewis | Life Insurance Nerd
5 months
@wolfstrength What the hell was that?
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@monegenix
David Lewis | Life Insurance Nerd
4 months
@isaac_saas Unrollme. Otherwise, switch to Hey Email. Not automated but once you set up your screener and filters, it removes a lot of the hassle and annoyance of email
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@monegenix
David Lewis | Life Insurance Nerd
1 month
@xxclusionary Now theres your artificial intelligence.
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@monegenix
David Lewis | Life Insurance Nerd
6 months
@BowTiedKong This is normal. Don’t know exactly how old he is, but toddlers do go through a phase where they don’t say much or anything. But they’re most definitely working on something. Or rather, their brain is working, processing. Have you read The Absorbent Mind, by Maria Montessori?
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@monegenix
David Lewis | Life Insurance Nerd
14 days
@MattWalshBlog Maybe you haven’t seen enough of his standup. Unlikely he’d be woke. Unlikely he’d be the evil guy you paint him out to be. He was just as much against what he saw as government overreach as he was against religion. That last bit is what you dislike about him. Be honest.
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@monegenix
David Lewis | Life Insurance Nerd
25 days
@gofishchris Nice try 😎
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@_johnnymaga @RobertKennedyJr There are cases when it makes sense—particularly if the mother’s life is at risk or if the child isn’t expected to survive. I can also see rational cases for it where the child will be born with a severe genetic illness like Canavan disease, where the child will die anyway but if
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@monegenix
David Lewis | Life Insurance Nerd
6 months
@CoachFHM Bench 5x5 Next workout: add 5 lbs Possible accessory: incline bench End of chest workout
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@monegenix
David Lewis | Life Insurance Nerd
1 year
@RAZ0RFIST He violated the Konami Code
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@monegenix
David Lewis | Life Insurance Nerd
2 months
@sweatyfreddurst @FVVVVAAARRRKK @rakishromantic @VivaldiVril @RockDaisy12 No he didn’t. If he was really that worried about it, the boy wouldn’t be allowed in the house, much less the bedroom.
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@monegenix
David Lewis | Life Insurance Nerd
6 months
@torreydawley Lots of ppl read their emails on their phone, and rumor is lots (most) of email clients have images off by default, thus the tracking pixels no workey. How do you really know if someone has opened and read an email?
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