Avid conosour of both DMT and Psilocybin and would not characterize the effects as “extremely similar”. Psychedelic yes, but profoundly different at their core in heroic doses—at least from my vantage point.
Just curious, nn-DMT or 5meo-DMT? I haven't tried either but have heard nn-DMT to be more the machine elves type experience and 5meo-DMT to elicit a feeling of not existing in the physical world anymore.
Usually when people just say DMT they mean nn-DMT (which is a lot more visual/weird and can bring on the "elves" at breakthrough dosage). 5-meo-dmt(/bufo) is much more of a felt thing, but can definitely have some visual effects (I usually get enveloped in the bright white light of god before dissolving into everything/nothing, ymmv).
Yeah, my comment was a bit loose, but I think it's likely that the pathways are ultimately arriving at the same destination.
I've done plenty of psychonaut adventures in the past but it was only that one experience with DMT that actually gave that experience -- but it was also the only time in which I completely disengaged from local reality.
There are other species of the same genus that grow in southern Europe and north America, but if any contain the same compounds they don't appear in the literature. More research needed.
Since nothing is finalized, the same framework could just as plausibly be extended beyond buying existing homes to using 401(k) funds as a down payment toward building a new one, which would be especially relevant for median-income buyers priced out of tight resale markets but able to access land or lower-cost construction pathways; in that version, retirement savings could seed new housing supply rather than just bid up existing stock, and any future “re-vesting” mechanism that’s been hinted at could theoretically allow part of the home’s appreciated value, or structured repayments tied to equity growth, to flow back into the retirement account over time, reframing the withdrawal less as a permanent depletion and more as a reallocation from paper assets into a productive, shelter-providing one that later migrates back into long-term retirement capital. This is a very smart economic policy reform.
Anybody who is a saving money in a 401(k) is essential investing.
After reading the article, it appears clear that the the administration advisers are saying the new housing plan would let buyers tap 401(k) funds for a home down payment without the usual early-withdrawal penalty. Germany has something very similar to this policy and it has been widely lauded as a success.
My take: For median-income households, the plan under discussion would let individuals pull money from a 401(k) for a home down payment withoutl penalty or taxes, helping buyers overcome the big upfront cost that often stands between them and their first home. Because 401(k) loans or withdrawals today generally trigger substantial taxes and penalties if you’re under 59.5 years old, this change could meaningfully reduce that barrier and broaden the access to homeownership immediately upon enactment. Beyond just tapping savings, the advisers are speculating the administration might include a mechanism to reinvest home equity back into the 401(k) retirement account over time, for example, by allowing a portion of home value growth to count as an asset inside the 401(k) so that the account “grows” alongside the house, offsetting retirement savings losses caused by the withdrawal. Those mechanics, like how much can be withdraw, whether there are caps or limits, how repayment would work, or whether it applies only to first-time buyers, are still being worked out and haven’t been finalized so Caveat emptor; this is speculation on my part based on the read. I like the idea and I'll be contacting my US state representatives with my endorsement and recommendations including the proposed first-time buyer restriction.
My fear with tapping the 401k to fund purchases during one’s working years would be a bit hit to the money they actually have for retirement. Taking out $80k today, at a 7% rate of return, would be over $600k in 30 years.
If someone is in a great housing market, and is willing to downsize in retirement, maybe it works out, but there is luck mixed in there… along with personality and emotion. Your idea of rolling some equity into the 401k is an interesting one that may help quell some fears. Of course the devil is in the details, and if it requires some complicated work on the part of the buyer once the home value has grown, I can see a lot of people missing out on such a program.
Most people who need to do this live in a high cost of living area and the investment in a house increases at a higher rate than the stock market in those cities.
That’s true, that’s why my mentioned the possibility of luck. But also the willingness to downsize as a means to pull money out of the home, as that real estate appreciation won’t put food on the table. HELOCs and reverse mortgages, as means to get money out, both seem predatory. Those are non-starters for me.
My dad talked about potentially downsizing to a condo about 5 years ago, but hasn’t done it and I don’t think he ever will. There is too much identity and emotion tied to owning a nice home for him.
Teensy's closed bootloader, USB stack, hardware design are what is proprietary. But the toolchain is open. Eg: I can use PlatformIO, etc.
From my perspective an open alternative would splinter the community rather than replace it. Developers value Teensy's polish & consistency (PAnd this is Paul Stoffregen's discipline).
If you endeavor to follow this path, you'd see adoption from transparency advocates and research/security-focused devs, but pragmatists like myself would stick with what works and what's affordable.
Your real problem is replicating that engineering rigor in an open-source project, is a lot harder than it looks. Let me give an example; STM32 is more open but shows us exactly what fragmentation looks like without unified vision.
My personal world changed when I discovered Nix On Droid and cloned my personal Claude Code flake which uses pnpm to keep a rolling bleeding edge version with revision controlled dots. I started using Nvim /avante and open router shortly after that, also via Nix on Droid. Game changer for those long subway rides.
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