2025-07-25 Streamlined Prompt

Refined Wealth Preservation Strategy (WPS) Prompt – July 24, 2025 (Streamlined) 1. Objective Update my Wealth Preservation Strategy (WPS) for a $1M portfolio to ensure retirement stability, targeting ~$40,000 annual income (3.7% withdrawal, 2% real growth above 3.1% inflation, ~$44,900 by 2027) at age 66, with max drawdown <20% and recovery within 18 months post-10% crash. Risk-adjusted return >3%. Benchmark against S&P 500, 60/40 portfolio. Align with my “Paranoid Survive” ethos, prioritizing the U.S. debt crisis ($36T, 120% debt-to-GDP, buying power erosion to $30,000–$35,000 real by 2030) and inflation (4–5% by 2026) as key risks, while allowing flexibility to explore contrarian opportunities, geopolitical shifts, and emerging trends. Leverage prior insights (e.g., Liberation Day, stress tests, Board of Wise Minds, including Paul and Johnson on debt discipline) without redundancy. Emphasize tax-free reallocations (post-2025 harvests: BAC, PLTR, TSLA, MSFT, XOM, WMT), diversified allocations (equities, funds, international, income, growth), and low-maintenance monitoring (bi-weekly Flash Reports, ~300 words) for my return to full-time work on August 4, 2025. Assess political will for debt reduction (deficit-to-GDP <3.5% by 2029) and X sentiment on short-term vs. long-term fixes (60% short-term, 30% long-term). Comment: Prioritize income stability (SCHD, VCIT, VYMI), debt/inflation hedges (VTI, gold), and contrarian buys (e.g., UNH at $282–$290, INTC at $18). Explore innovative hedges or growth opportunities (e.g., AI regulation impacts, BRICS trade pacts) without rigid constraints. 2. Analysis Framework Focus on debt crisis and inflation, with room for exploratory insights: Debt Crisis (55% likelihood, 2026–2028): Track U.S. debt ($36T), margin debt (+7% Q2 2025), debt-to-GDP (>130%), and monetization risks. Assess buying power erosion ($40,000 to $30,000–$35,000 real by 2030 at 5–7% inflation). Evaluate political will (e.g., Paul’s Six Penny Plan, Johnson’s OBBB growth) for 3.5% deficit-to-GDP by 2029 ($1.2T cuts, 0.5% tariff equivalent). Explore alternative debt scenarios (e.g., de-dollarization, CBO projections). Inflation (60% likelihood, 4–5% by 2026): Monitor tariffs (145% on China), oil (>$85/barrel), OBBB ($2.7T deficit). Assess income impact ($40,000 to $36,000–$38,000 real by 2026). Mitigate with SCHD, VCIT, VYMI ($76–$78), TIPS, gold (1%). Explore inflation drivers (e.g., supply chain shocks). Portfolio Management: Cap single-stock exposure at 5% (e.g., MSFT 5.65% to 5%) and sector at 15% (tech ~12.5%). Use tax-free reallocations (e.g., MSFT to SCHD, VBIL to VCIT). Track cycles (equity, bond, currency, geopolitical, sector) and volume signals (institutional buys, retail volatility) via Wyckoff, RSI, Fibonacci, and X sentiment. DeepSearch high-risk holdings (e.g., UNH DOJ probe, TSLA FSD/governance), debt/inflation triggers, and emerging trends (e.g., AI regulation, BRICS). Exploratory Lens: Allow flexibility to identify contrarian buys (e.g., UNH, INTC, PFE), geopolitical opportunities (e.g., VYMI for BRICS), and innovative hedges (e.g., gold, TIPS, or crypto proxies like IBIT on retail spikes). Conventions: Specify time frames (e.g., 20-day RSI, quarterly volume). Use intrinsic value, Fibonacci, support/resistance for targets (e.g., UNH ~$600, VYMI $76–$78). Flag thresholds (e.g., DXY <95, oil >$85). Anonymize portfolio (LMIMCO Aggregate, 34.04%). 3. Punch List High Priority (>70%): Debt Crisis: Monitor margin debt, debt-to-GDP, political will (X sentiment, CBO). Buy VTI, gold (1%). Inflation: Track tariffs, oil. Buy SCHD, VCIT, VYMI ($76–$78). UNH ($282–$290, target $426.48), INTC ($18, target $45). Watch List (50–70%): TSLA (trim $450, DOJ/SEC risks). AAPL ($190, target $230). F, WAB (tariff risks, 2026 tax-loss). PFE, WBA (contrarian buys). Events: OBBB ($2.7T deficit), Genius Act (INTC), power demands (XOM, CCJ), Perfect Storm (2026). Stress Tests: Debt Crisis: 15–20% equity loss, $40,000 to $30,000–$35,000 real by 2030. Inflation: 3–5% loss, $40,000 to $36,000–$38,000 real by 2026. SEC News: UNH DOJ, TSLA DOJ/SEC (5–10% drawdown). Flash Report: Bi-weekly, ~300 words, 4–8 equities (e.g., UNH, INTC, VYMI), triggers (e.g., MSFT $480 sell), macro updates (debt, inflation, X sentiment). 4. Board of Wise Minds Leverage permanent members (Buffett, Dimon, Fraser, Powell, Orman) and specialists (Laffont, Cooperman, Dalio, Wood, Alden, Lippmann, Druckenmiller, El-Erian, Fink, Grewal), with Paul and Johnson for debt discipline. Encourage exploratory insights: Buffett: Contrarian buys (UNH, INTC, PFE). Dalio: Debt crisis, break-even by 2029. Powell: Inflation mitigation (SCHD, TIPS). Paul: Six Penny Plan feasibility. Johnson: OBBB growth trade-offs. X Sentiment: Quarterly analysis (60% short-term, 30% long-term fixes). 5. Outputs Portfolio Rollup: Debt/inflation impacts, X sentiment, political will. Tax Strategy: Tax-free reallocations (MSFT to SCHD, VBIL to VCIT). Advisor Summary: Triggers (UNH $282–$290 buy, TSLA $450 trim), DeepSearches (UNH DOJ, TSLA, debt/inflation). Appendices: Cycle models, stress tests, X sentiment (e.g., @thexcapitalist). 6. Changes to Avoid Over-Specification Streamlined Focus: Reduced detailed cycle metrics (e.g., removed specific SMA thresholds) to prioritize debt crisis (buying power erosion) and inflation (income impact), allowing exploration of emerging risks (e.g., AI regulation, BRICS). Exploratory Flexibility: Added “exploratory lens” to encourage contrarian buys, geopolitical opportunities, and innovative hedges without rigid constraints. Simplified Political Will: Focused on Paul and Johnson’s core inputs (Six Penny Plan, OBBB trade-offs) and X sentiment, avoiding overly prescriptive policy thresholds. Balanced Monitoring: Retained bi-weekly Flash Reports but simplified to 4–8 equities and macro updates, ensuring low-maintenance oversight with room for ad-hoc DeepSearches. Preserving Exploratory Room: The prompt allows the Board to propose novel strategies (e.g., crypto hedges via IBIT, new sector bets) and adapt to shifting X sentiment or geopolitical events (e.g., BRICS pacts, tariff pauses), while anchoring on debt and inflation risks. DeepSearches remain flexible for emerging trends, ensuring your WPS stays dynamic. Sample Application (Brief) Using the refined prompt, a sample output would prioritize: Buys: UNH ($282–$290, DOJ probe overblown, target $426.48), INTC ($18, 18A catalyst), PFE ($28), VYMI ($76–$78, DXY <95), gold (1%). Sells: Trim MSFT ($480, RSI >70), TSLA ($450, DOJ/SEC risks). Hedges: SCHD (to 3%), VCIT (to 10%), TIPS (1%) for inflation; VTI, gold for debt. Monitoring: Bi-weekly Flash Reports with debt (margin debt, CBO), inflation (tariffs, oil), and X sentiment (60% short-term fixes). DeepSearches: UNH DOJ probe, TSLA governance, debt/inflation triggers, BRICS impacts. Next Steps: Test the refined prompt with a full output to confirm balance. DeepSearch debt/inflation triggers, UNH DOJ probe, TSLA governance by Q4 2025. Refine Flash Report cadence post-August 4, 2025. Would you like to test the streamlined prompt with a full WPS update, explore specific exploratory opportunities (e.g., crypto hedges, AI regulation), or adjust the balance further to ensure flexibility for advisor discussions? Thank you for guiding this refinement! Portfolio Snapshot 7/24/2025 Recently Harvested: BAC, PLTR, TSLA, MSFT, XOM, WMT Note: As I will be returning to work on 8/4/25 and will not be able to monitor daily, all targeted harvests have been accompished early. VMFXX 0.84% VIGAX 5.21% VBIL 0.31% VCLT 0.00% VCRB 8.16% VWOB 1.06% VYMI 1.11% VTI 3.17% BAC 0.37% PLTR 1.58% BA 0.74% FMFXX 0.09% TEMWX 2.90% LMIMCO 2025 Target Date Fund 13.23% LMIMCO ESOP (LMT) 9.29% LMIMCO Large Cap Index 6.08% LMCIMCO Small Mid Cap Index 2.05% LMIMCO Company Stock (LMT) 3.98% LMIMCO Global Equities Fund 2.41% GE 0.88% GEHC 0.12% GEV 0.54% WAB 0.03% WBA 0.40% UNH 0.33% USAIX 2.93% USTEX 1.11% SWVXX 3.43% VCIT 9.59% SCHD 2.61% AAPL 0.71% CCJ 0.51% F 0.09% INTC 1.30% JNJ 0.87% MSFT 5.65% OGE 0.23% PFE 0.39% MTSUY 0.48% SSUMY 0.47% T 1.66% TSLA 0.47% VZ 0.11% WMT 0.81% XOM 1.34%