I have become increasingly convinced that we are witnessing the formation of a new subprime mortgage bubble. Drawing parallels to the dynamics that led to the devastating financial crisis of 2008, fueled by rampant subprime mortgage issuance, I see a similar storm brewing due to the aggressive overissuance of DSCR (Debt Service Coverage Ratio) loans. If unchecked, this trend could set the stage for another financial upheaval with lasting repercussions for the housing market and the broader economy.

Today, I present an enticing invitation to dive deep into the shadowy, interwoven realms of finance, politics, and technology. Enter Void Pool, a uniquely grimdark finance podcast that promises to be an illuminating journey like no other.

Fungus plays a vital role in breaking down dead and old material in forests, and in a similar way, it can also help us learn to replace legacy software and eliminate tech debt. Just as fungus decomposes fallen trees and other organic matter, legacy software can be broken down and replaced with more modern and efficient alternatives.

I spent several hours tracking down a small notebook earlier this week. The reason? I wrote down my seed phrases in this tiny notebook, which I carelessly tracked. Why am I telling you this? This management strategy is a horrible practice. Had I not performed a disaster recovery drill for my digital assets, I might’ve continued storing my seed phrase insecurely. Disaster recovery drills are foundational for security in web 3.0 and enable continued access to blockchain assets.

Cryptocurrency has seen dramatic growth since its inception in 2009. Around 16% of American adults have invested in cryptocurrencies. In theme with prior executive orders advancing US cyber policy, the White House recently signed an executive order on cryptocurrencies and other digital assets. Crypto enthusiasts view this as a win, but what does ensuring the responsible development of digital asset mean for the average American?