Helping future investors understand finance and crypto using digestible analogies. I hope you brought your appetite. Not a financial advisor
🍃 Treasury Bill
TL,DR: Like lettuce, lacking substance Treasury Bills / Lettucelacking substanceshort lifespansafe and mildly nutritiousEatamology “T-Bills” or “Bills” for short refer to the hard copy form of these bonds, which looks very much like a dollar bill, and which was created by President Hoover at the start of the Great Depression to raise money for the government when tax income dropped dramatically. The Department of the Treasury, a division of the Executive Branch (which is controlled by POTUS),...
🚶Who are you?
TL,DR: Choose suitable investments based on your goals and risk tolerance. “Pete Townshend was conflicted because he feared The Who had sold out, and seeing The Sex Pistols, who were icons of rebellion, exacerbated him even more. Pete left that bar and passed out in a random doorway in Soho (a part of London). A policeman recognized him ("A policeman knew my name") and being kind, woke him and told him, "You can go sleep at home tonight (instead of a jail cell), if you can get up and walk awa...
☀️ ESG
TL,DR: ESG designations are labels meant to indicate ethical products ESG | Organic, Non-GMO, Ethically SourcedLike organic, non-gmo, and ethically sourced marketing labels, ESG labels are applied when a company allegedly meets regulatory standardsCan be related to the product itself, or associated impacts from the productEatamology “ESG” stands for environmental, social, and governance. It’s a broad and sometimes subjective label that attracts investors concerned about outcomes and ethics in...
🍃 Treasury Bill
TL,DR: Like lettuce, lacking substance Treasury Bills / Lettucelacking substanceshort lifespansafe and mildly nutritiousEatamology “T-Bills” or “Bills” for short refer to the hard copy form of these bonds, which looks very much like a dollar bill, and which was created by President Hoover at the start of the Great Depression to raise money for the government when tax income dropped dramatically. The Department of the Treasury, a division of the Executive Branch (which is controlled by POTUS),...
🚶Who are you?
TL,DR: Choose suitable investments based on your goals and risk tolerance. “Pete Townshend was conflicted because he feared The Who had sold out, and seeing The Sex Pistols, who were icons of rebellion, exacerbated him even more. Pete left that bar and passed out in a random doorway in Soho (a part of London). A policeman recognized him ("A policeman knew my name") and being kind, woke him and told him, "You can go sleep at home tonight (instead of a jail cell), if you can get up and walk awa...
☀️ ESG
TL,DR: ESG designations are labels meant to indicate ethical products ESG | Organic, Non-GMO, Ethically SourcedLike organic, non-gmo, and ethically sourced marketing labels, ESG labels are applied when a company allegedly meets regulatory standardsCan be related to the product itself, or associated impacts from the productEatamology “ESG” stands for environmental, social, and governance. It’s a broad and sometimes subjective label that attracts investors concerned about outcomes and ethics in...
Helping future investors understand finance and crypto using digestible analogies. I hope you brought your appetite. Not a financial advisor

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TL,DR: Like girl scout cookies, MBS are lucrative products sold to support a larger enterprise
Mortgage Backed Security (MBS) / Girl Scout Cookies
product sold in support of a larger enterprise
higher yield relative to the boy scout popcorn
Eatamology
“Mortgage Backed” infers the proceeds from a loan given to prospective homebuyers from a bank or lending company, where the home becomes collateral for the loan, are used to finance this product. “Security” can be used interchangeable with financial product and refers to the “securitization” or packaging of the mortgages into a tradable unit.
Financials
MBS are composed of prime or subprime mortgages, which carry varying levels of risk.
Prime | Thin Mints and Forgetmenots
When the mortgages are backed by trustworthy borrowers with stable sources of income and timely payments, they are considered prime and pay lower interest. Think of the prime products like Thin Mints and Forgetmenots, tasty and predictable.
Subprime | Knockoff Cookies
When the bundle of mortgages is riskier, the interest payments are higher as compensation for the risk of default. These are your knockoff girl scout cookies and the unproven flavors. In exchange the risk of disappointment, they are sold at a discount. For additional context, Margot Robbie calls subprime mortgages “sh*t” when explaining their role in causing the Great Recession of 2008 during the film Wolf of Wall Street.
TL,DR: Like girl scout cookies, MBS are lucrative products sold to support a larger enterprise
Mortgage Backed Security (MBS) / Girl Scout Cookies
product sold in support of a larger enterprise
higher yield relative to the boy scout popcorn
Eatamology
“Mortgage Backed” infers the proceeds from a loan given to prospective homebuyers from a bank or lending company, where the home becomes collateral for the loan, are used to finance this product. “Security” can be used interchangeable with financial product and refers to the “securitization” or packaging of the mortgages into a tradable unit.
Financials
MBS are composed of prime or subprime mortgages, which carry varying levels of risk.
Prime | Thin Mints and Forgetmenots
When the mortgages are backed by trustworthy borrowers with stable sources of income and timely payments, they are considered prime and pay lower interest. Think of the prime products like Thin Mints and Forgetmenots, tasty and predictable.
Subprime | Knockoff Cookies
When the bundle of mortgages is riskier, the interest payments are higher as compensation for the risk of default. These are your knockoff girl scout cookies and the unproven flavors. In exchange the risk of disappointment, they are sold at a discount. For additional context, Margot Robbie calls subprime mortgages “sh*t” when explaining their role in causing the Great Recession of 2008 during the film Wolf of Wall Street.
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