Skip to main content
Monday, August 24, 2026Vol. II · No. 24 · Omaha, Nebraska
MoneyHole

Shoveling You Deeper Into Financial Wisdom

Omaha, Nebraska

MARKETS
HOPE-4.2%RENT+11.8%WAGEunch.VIBES+212.5%DOOM+3.7%ROCK+9.1%BEANS-0.03%EGGS+14.6%DEBT+6.9% · recordDGNTY-18.0%SLEEP-2.4%PTO-100.0% · expiredRSUHALTED · pending vestPLSMA+2.2% · twice weeklyPNTS+1,400 ptsLATTE$7.25HSTL+45.0%STRTRno bidTMSHRlimit downIRA-0.9%SSA255$255 · unch. since 1954BOOMR+52.0%GENZdelistedCOPE+18.4%LUCKunch.FICO-41 ptsEQTY+0.0% · theoreticalDDCTBL+$3,400TIPS+22.0% · prompted at kioskTIME-24 hrsMOMLNrestructuredBRNCH$61.00LOYAL-0.4%PENSNno longer quotedSILVR+1.1% · still not gold

The National FabricE · Terminally Online

E3E

Rationalist Doom Polycule

Six brilliant people in an SF row house solving alignment and avoiding rent control.

Reference marketFirst identified in Berkeley, California (ZIP area 94702).

Also found inOakland, California.

Household formation as a Bayesian exercise.

Portrait

In their own words

  • Age30
  • Income$480K combined
  • Net worth$900K
  • Education100%
  • Homen/a
  • Ownership0%
  • HouseholdIt is complicated; there is a spreadsheet
  • VehicleNo car, one shared e-bike
  • DebtNone, but many obligations
Vice
Soylent, nootropics, prediction markets
Most likely to
Date their roommate's metamour and log it
Signals
AI labs, LessWrong, DAO residue

Who they are

Six exceptionally credentialed people who solved alignment in a group chat but cannot solve who left the Soylent out. They share a rent-controlled Victorian, a chore wheel, and a polyamory spreadsheet with a changelog. Half a million in combined comp from AI labs vanishes into nootropic stacks, Manifold prediction-market positions, and a single shared e-bike they schedule like a kidney. Relationships are version-controlled; breakups get a postmortem doc. They will explain, unprompted, why having children is net-negative for the light cone while their landlord quietly thanks the universe for tenants who pay early and never reproduce. Brilliant, miserable, and certain the apocalypse is coming, mostly because they keep describing their own household.

Our neighborhood

A grand decaying SF row house, rent control the only thing holding the polycule together. Whiteboards in the dining room, a standing desk where the table should be, one e-bike chained in the foyer like a relic. Books stacked into furniture. Everyone is home and no one is present.

Shopping

Groceries are Soylent by the case at fourteen dollars a meal, purchased to eliminate the decision of dinner and free up cognition for a chore wheel they still lose to. Nootropic stacks arrive in unmarked bags from three continents. Books have become furniture, the only load-bearing element besides rent control.

Spending

About $480K in combined AI-lab comp dissolves into supplements, Manifold prediction-market positions, and one shared e-bike scheduled like a kidney. Rent control is the actual portfolio and everyone in the house knows it. The landlord quietly thanks the universe for six tenants who pay early and will never reproduce.

Media

LessWrong, arXiv, and a group chat with a changelog. They will explain, unprompted, why children are net-negative for the light cone, citing a post that cites a post. Breakups receive a postmortem doc circulated for comment.

Interests

Solving alignment, forecasting tournaments, and a polyamory spreadsheet under version control. Whiteboards occupy the dining room where a table would go, and everyone is home while nobody is present. Brilliant, miserable, and certain the apocalypse is coming, largely because they keep describing their own household.

Where they live

Darker is more of them.

E3 · RATIONALIST DOOM POLYCULE

ZIP CODES

—

How thick on the ground

$112K

Median household income

1.55× the national median

$979K

Typical home value

3.67× the national median

8.4×

Home value against income

2.23× the national median

65%

Bachelor's degree or higher

2.79× the national median

49%

Owner-occupied

Share of occupied units

$2,777

Median gross rent

Monthly, contract plus utilities

2.20

Average household size

Persons per occupied unit

38.7

Median age

Years

How they compare

Against the average American household.

  • Median household income

    1.55×

    $112K here$72K everywhere else

  • Typical home value

    3.67×

    $979K here$267K everywhere else

  • Bachelor's degree or higher

    2.79×

    64.9% here23.3% everywhere else

  • Home value against household income

    2.23×

    8.40× here3.77× everywhere else

Who lives next door

Household types that turn up on the same blocks.

The receipts

No.SignalAgainst the countryReading
  1. 01Bachelor's degree or higher94th64.9%
  2. 02Renter-occupied90th51.5%
  3. 03Works from home91st27.2%
  4. 04Residents 25 to 3484th16.9%
  5. 05Walks or bikes to work86th7.6%
  6. 06Never-married adults83rd40.7%
  7. 07Foreign-born residents89th21.4%
  8. 08Enrolled in college87th10.7%
  9. 09Not in the labor force24th32.4%
  10. 10Commutes by transit93rd11.5%

SourcesFigures from the U.S. Census Bureau. Everything else is observation.