The whole point of that entire opening is to instill panic precisely because you don't know what to do. It's an intensely immersive experience that grounds the reality of actual events in a unique game way.
It's forever iconic and more games should start with impact and freedom of play.
IMO.
It's forever iconic and more games should start with impact and freedom of play.
IMO.
November 15, 2025 at 2:22 AM
The whole point of that entire opening is to instill panic precisely because you don't know what to do. It's an intensely immersive experience that grounds the reality of actual events in a unique game way.
It's forever iconic and more games should start with impact and freedom of play.
IMO.
It's forever iconic and more games should start with impact and freedom of play.
IMO.
I'm a personal proponent of stop doing tutorials, or at least make them optional. They've become so overbearing over the last decade+
Imagine the opening of Medal of Honor if it stopped the D-Day moment every few seconds to explain how to press a button.
Imagine the opening of Medal of Honor if it stopped the D-Day moment every few seconds to explain how to press a button.
November 15, 2025 at 2:22 AM
I'm a personal proponent of stop doing tutorials, or at least make them optional. They've become so overbearing over the last decade+
Imagine the opening of Medal of Honor if it stopped the D-Day moment every few seconds to explain how to press a button.
Imagine the opening of Medal of Honor if it stopped the D-Day moment every few seconds to explain how to press a button.
𝐄𝐏𝐒𝐓𝐄𝐈𝐍
oh no
ᵇʳⁱᵃⁿ
okay, whew
oh no
ᵇʳⁱᵃⁿ
okay, whew
November 14, 2025 at 5:56 PM
𝐄𝐏𝐒𝐓𝐄𝐈𝐍
oh no
ᵇʳⁱᵃⁿ
okay, whew
oh no
ᵇʳⁱᵃⁿ
okay, whew
I will also say I am not a financial advisor. Do what you will with your money.
But I will suggest, especially going into a big spending holiday, consider your money, take care of yourself, and be safe.
Thanks for coming to my TED Talk. If you even made it this far, lol.
But I will suggest, especially going into a big spending holiday, consider your money, take care of yourself, and be safe.
Thanks for coming to my TED Talk. If you even made it this far, lol.
a cartoon of spongebob saying " bye " in red
ALT: a cartoon of spongebob saying " bye " in red
media.tenor.com
November 14, 2025 at 10:53 AM
I will also say I am not a financial advisor. Do what you will with your money.
But I will suggest, especially going into a big spending holiday, consider your money, take care of yourself, and be safe.
Thanks for coming to my TED Talk. If you even made it this far, lol.
But I will suggest, especially going into a big spending holiday, consider your money, take care of yourself, and be safe.
Thanks for coming to my TED Talk. If you even made it this far, lol.
Idk, man. Like I said, I'm just some dude that happens to have an economics degree. There are people far smarter and experienced than me that can probably rationalize all this. But end of the day, there are just too many things to ignore and not be worried about.
There's still more I didn't cover.
There's still more I didn't cover.
a close up of a bald man with a beard and mustache looking up at the sky .
ALT: a close up of a bald man with a beard and mustache looking up at the sky .
media.tenor.com
November 14, 2025 at 10:53 AM
Idk, man. Like I said, I'm just some dude that happens to have an economics degree. There are people far smarter and experienced than me that can probably rationalize all this. But end of the day, there are just too many things to ignore and not be worried about.
There's still more I didn't cover.
There's still more I didn't cover.
The huge difference between now and then is that 2008 was a 𝑟𝑒𝑠𝑢𝑙𝑡 𝑜𝑓 the housing market crash.
Everything now is happening 𝑨𝑻 𝑻𝑯𝑬 𝑺𝑨𝑴𝑬 𝑻𝑰𝑴𝑬 and to a much larger degree.
Thing is, there's no telling when it will go especially with everyone playing prevent D to keep things afloat despite losses.
Everything now is happening 𝑨𝑻 𝑻𝑯𝑬 𝑺𝑨𝑴𝑬 𝑻𝑰𝑴𝑬 and to a much larger degree.
Thing is, there's no telling when it will go especially with everyone playing prevent D to keep things afloat despite losses.
a man wearing glasses is holding a piece of duct tape over a crack in a wall .
ALT: a man wearing glasses is holding a piece of duct tape over a crack in a wall .
media.tenor.com
November 14, 2025 at 10:53 AM
The huge difference between now and then is that 2008 was a 𝑟𝑒𝑠𝑢𝑙𝑡 𝑜𝑓 the housing market crash.
Everything now is happening 𝑨𝑻 𝑻𝑯𝑬 𝑺𝑨𝑴𝑬 𝑻𝑰𝑴𝑬 and to a much larger degree.
Thing is, there's no telling when it will go especially with everyone playing prevent D to keep things afloat despite losses.
Everything now is happening 𝑨𝑻 𝑻𝑯𝑬 𝑺𝑨𝑴𝑬 𝑻𝑰𝑴𝑬 and to a much larger degree.
Thing is, there's no telling when it will go especially with everyone playing prevent D to keep things afloat despite losses.
Add in Blackrock taking a $150m private credit loss, another wave of layoffs coming in from Verizon to the tune of 15,000, JP Morgan and Goldman Sachs tossing CoreWeave another billion in credit despite being underwater... oh and they're also part of that whole AI bubble.
a cartoon of a man in a suit and tie with the words " chuckling nervously " below him
ALT: a cartoon of a man in a suit and tie with the words " chuckling nervously " below him
media.tenor.com
November 14, 2025 at 10:53 AM
Add in Blackrock taking a $150m private credit loss, another wave of layoffs coming in from Verizon to the tune of 15,000, JP Morgan and Goldman Sachs tossing CoreWeave another billion in credit despite being underwater... oh and they're also part of that whole AI bubble.
Subprime, private credit risk, ratings inflation... sound familiar at all?
Yeah, because it's fucking 2008 all over again at a scale hitherto undreamt of.
This current economy has the potential to go phenomenally bad and extremely fast.
Yeah, because it's fucking 2008 all over again at a scale hitherto undreamt of.
This current economy has the potential to go phenomenally bad and extremely fast.
November 14, 2025 at 10:53 AM
Subprime, private credit risk, ratings inflation... sound familiar at all?
Yeah, because it's fucking 2008 all over again at a scale hitherto undreamt of.
This current economy has the potential to go phenomenally bad and extremely fast.
Yeah, because it's fucking 2008 all over again at a scale hitherto undreamt of.
This current economy has the potential to go phenomenally bad and extremely fast.
The SEC has also been investigating the ratings agency Egan-Jones about their ratings practices related to 3000 private credit investments. $2t of which are held by US life insurance companies.
They're inflating ratings and cooking the books: www.fa-mag.com/news/egan-jo...
They're inflating ratings and cooking the books: www.fa-mag.com/news/egan-jo...
Egan-Jones Probed By SEC Over Its Credit Ratings Practices
The probe began during the Biden administration and has continued this year.
www.fa-mag.com
November 14, 2025 at 10:53 AM
The SEC has also been investigating the ratings agency Egan-Jones about their ratings practices related to 3000 private credit investments. $2t of which are held by US life insurance companies.
They're inflating ratings and cooking the books: www.fa-mag.com/news/egan-jo...
They're inflating ratings and cooking the books: www.fa-mag.com/news/egan-jo...
On top of these things, some banks are prepping against shady asset management by implementing a "J Crew blocker" or trap door prevention in contracts so companies can't offshore assets to prevent collection even during a bankruptcy: fortune.com/2025/11/02/p...
In private credit, banks are ‘quietly preparing for some distress on the horizon’ by requiring ever-stricter legal terms for debt-ridden companies | Fortune
For instance, the level of so-called lien subordination protection has doubled in a year.
fortune.com
November 14, 2025 at 10:53 AM
On top of these things, some banks are prepping against shady asset management by implementing a "J Crew blocker" or trap door prevention in contracts so companies can't offshore assets to prevent collection even during a bankruptcy: fortune.com/2025/11/02/p...
Speaking of cockroaches.
CarMax stock took a giant shit and drug Carvana along for the ride despite operating differently.
But again, the big factor is debt. CarMax is also in the business of subprime lending meaning issuing loans to low credit borrowers.
moneymorning.com/2025/11/06/c...
CarMax stock took a giant shit and drug Carvana along for the ride despite operating differently.
But again, the big factor is debt. CarMax is also in the business of subprime lending meaning issuing loans to low credit borrowers.
moneymorning.com/2025/11/06/c...
CarMax Crashes As CEO Bails
Used-car dealership continues its death spiral as CEO quits and Q3 isn't looking too good
moneymorning.com
November 14, 2025 at 10:53 AM
Speaking of cockroaches.
CarMax stock took a giant shit and drug Carvana along for the ride despite operating differently.
But again, the big factor is debt. CarMax is also in the business of subprime lending meaning issuing loans to low credit borrowers.
moneymorning.com/2025/11/06/c...
CarMax stock took a giant shit and drug Carvana along for the ride despite operating differently.
But again, the big factor is debt. CarMax is also in the business of subprime lending meaning issuing loans to low credit borrowers.
moneymorning.com/2025/11/06/c...
But this was a very important event because now Wall Street and those watching are holding everything with intense scrutiny and looking for credit "cockroaches". Because where there is one, there's a shit ton more hiding.
This article covers the FB issue pretty well:
www.msn.com/en-us/money/...
This article covers the FB issue pretty well:
www.msn.com/en-us/money/...
MSN
www.msn.com
November 14, 2025 at 10:53 AM
But this was a very important event because now Wall Street and those watching are holding everything with intense scrutiny and looking for credit "cockroaches". Because where there is one, there's a shit ton more hiding.
This article covers the FB issue pretty well:
www.msn.com/en-us/money/...
This article covers the FB issue pretty well:
www.msn.com/en-us/money/...
They recovered due to C11 court issuing them a $1.1b DIP (debtor-in-possession) financing loan to remain operational.
Which just means they have $1.1b valued in assets attributed to the loan, so they fuck up, assets get scooped to recoup and they go bye-bye.
thebrakereport.com/first-brands...
Which just means they have $1.1b valued in assets attributed to the loan, so they fuck up, assets get scooped to recoup and they go bye-bye.
thebrakereport.com/first-brands...
First Brands Gains Approval for $1.1B DIP Financing
First Brands Group has received final approval for its motions, securing $1.1 billion in DIP financing to enhance operations.
thebrakereport.com
November 14, 2025 at 10:53 AM
They recovered due to C11 court issuing them a $1.1b DIP (debtor-in-possession) financing loan to remain operational.
Which just means they have $1.1b valued in assets attributed to the loan, so they fuck up, assets get scooped to recoup and they go bye-bye.
thebrakereport.com/first-brands...
Which just means they have $1.1b valued in assets attributed to the loan, so they fuck up, assets get scooped to recoup and they go bye-bye.
thebrakereport.com/first-brands...
While there have been a few indicators early in the year, something that really caught Wall Street's attention was First Brands' bankruptcy filing.
No biggie. It happens. But not when lenders are exposed to nearly $2b in losses, $500m of which from Swiss bank UBS: www.reuters.com/business/fin...
No biggie. It happens. But not when lenders are exposed to nearly $2b in losses, $500m of which from Swiss bank UBS: www.reuters.com/business/fin...
www.reuters.com
November 14, 2025 at 10:53 AM
While there have been a few indicators early in the year, something that really caught Wall Street's attention was First Brands' bankruptcy filing.
No biggie. It happens. But not when lenders are exposed to nearly $2b in losses, $500m of which from Swiss bank UBS: www.reuters.com/business/fin...
No biggie. It happens. But not when lenders are exposed to nearly $2b in losses, $500m of which from Swiss bank UBS: www.reuters.com/business/fin...
Now, all of this is pretty well known. Not talked about enough for sure, but known. But I said in the very beginning that there is a whole bunch of other shit that isn't being talked about.
There are articles, yes, but nothing mainstream. Likely to not start a panic.
So I'm here to fuck that up!
There are articles, yes, but nothing mainstream. Likely to not start a panic.
So I'm here to fuck that up!
a man in a suit and tie is dancing in front of a car with the words mess it up nico below him
ALT: a man in a suit and tie is dancing in front of a car with the words mess it up nico below him
media.tenor.com
November 14, 2025 at 10:53 AM
Now, all of this is pretty well known. Not talked about enough for sure, but known. But I said in the very beginning that there is a whole bunch of other shit that isn't being talked about.
There are articles, yes, but nothing mainstream. Likely to not start a panic.
So I'm here to fuck that up!
There are articles, yes, but nothing mainstream. Likely to not start a panic.
So I'm here to fuck that up!
Speaking of new records, total household debt is now at $18.6t.
That includes mortgages, car loans, credit cards, and student loans.
In our current economic state, this is completely unrecoverable. It will become even more so if job losses remain to be true.
abcnews.go.com/Business/ame...
That includes mortgages, car loans, credit cards, and student loans.
In our current economic state, this is completely unrecoverable. It will become even more so if job losses remain to be true.
abcnews.go.com/Business/ame...
Americans' household debt hits new record high, according to report
The debt includes mortgages, car loans, credit cards and student loans.
abcnews.go.com
November 14, 2025 at 10:53 AM
Speaking of new records, total household debt is now at $18.6t.
That includes mortgages, car loans, credit cards, and student loans.
In our current economic state, this is completely unrecoverable. It will become even more so if job losses remain to be true.
abcnews.go.com/Business/ame...
That includes mortgages, car loans, credit cards, and student loans.
In our current economic state, this is completely unrecoverable. It will become even more so if job losses remain to be true.
abcnews.go.com/Business/ame...
If you don't have a job, are limited on money, and don't know when that next paycheck is going to come, then what do you have left?
Revolving credit a.k.a. things like credit cards
Third quarter reports rose $24b to a new all-time high of $1.23t: www.cnbc.com/2025/11/05/c...
Revolving credit a.k.a. things like credit cards
Third quarter reports rose $24b to a new all-time high of $1.23t: www.cnbc.com/2025/11/05/c...
Rising household debt balances point to worsening 'K-shaped' economic divide
Recent reports show a growing divide among consumers, with more borrowers either in a position of financial distress or strength.
www.cnbc.com
November 14, 2025 at 10:53 AM
If you don't have a job, are limited on money, and don't know when that next paycheck is going to come, then what do you have left?
Revolving credit a.k.a. things like credit cards
Third quarter reports rose $24b to a new all-time high of $1.23t: www.cnbc.com/2025/11/05/c...
Revolving credit a.k.a. things like credit cards
Third quarter reports rose $24b to a new all-time high of $1.23t: www.cnbc.com/2025/11/05/c...
But back to the other question of household consumption.
So as we know, jobs are down, prices are up, but somehow consumption is still... "up"? How could that be?
Part of it is higher income earners spending as a result of the AI bubble... I mean, "boom".
The other?
So as we know, jobs are down, prices are up, but somehow consumption is still... "up"? How could that be?
Part of it is higher income earners spending as a result of the AI bubble... I mean, "boom".
The other?
a cartoon character is holding a gun and the word debt is on the black background
ALT: a cartoon character is holding a gun and the word debt is on the black background
media.tenor.com
November 14, 2025 at 10:53 AM
But back to the other question of household consumption.
So as we know, jobs are down, prices are up, but somehow consumption is still... "up"? How could that be?
Part of it is higher income earners spending as a result of the AI bubble... I mean, "boom".
The other?
So as we know, jobs are down, prices are up, but somehow consumption is still... "up"? How could that be?
Part of it is higher income earners spending as a result of the AI bubble... I mean, "boom".
The other?
But would the government bail them out? Well that's the whole shit in this sandwich.
The US government sees the AI race as a matter of national security and we've effectively entered a new Cold War with China as a result.
So yes, whether we want to or not, they will most likely get bailed out.
The US government sees the AI race as a matter of national security and we've effectively entered a new Cold War with China as a result.
So yes, whether we want to or not, they will most likely get bailed out.
a man is holding a box of a board game with the word home on the front
ALT: a man is holding a box of a board game with the word home on the front
media.tenor.com
November 14, 2025 at 10:53 AM
But would the government bail them out? Well that's the whole shit in this sandwich.
The US government sees the AI race as a matter of national security and we've effectively entered a new Cold War with China as a result.
So yes, whether we want to or not, they will most likely get bailed out.
The US government sees the AI race as a matter of national security and we've effectively entered a new Cold War with China as a result.
So yes, whether we want to or not, they will most likely get bailed out.