Daily Coffee — Saturday, January 31, 2026
BRC FinTech Corporation
If the universe possesses a sense of humor, it is of the gallows variety.
The hour of the paper-shuffler has ended. As of this Thursday morning, the global silver market is not merely "tight"—it is undergoing a violent, disorderly de-leveraging that will leave the balance sheets of the "Big 8" GSIBs in tatters.
National Bagel Day | Wikipedia Day | Martin Luther King Jr.'s Birthday
Thursday morning. The week is cresting. Today's observances span the spectrum from the humble to the historic — a reminder that meaning can be found in both a breakfast staple and a movement that reshaped a nation.
🥯 National Bagel Day
Midweek. The coffee is hot, the markets are restless, and today’s observances invite a moment of reflection before the velocity resumes. This is not a post about urgency. It is about noticing — the sort of quiet observation that belongs with a second cup of coffee (some might say, "WISDOM").
🗂️ National Organize Your Home Day
The calendar lists observances that capture the essence of the first Monday of 2026. After two weeks of extended holidays for many, we finally return to the discipline of the desk. The rhythm of routine brings focus, structure, and the quiet satisfaction of progress. In fintech, as in life, momentum builds from consistent, documented effort — much like birds returning to their migration flight after a necessary rest.
As the first light of 2026 touches the Silicon Valley haze — and the more refined shores of Palm Beach County — the Brass Rat Capital ("BRC") "Big Boy" has officially cleared the station. While some in the industry are still suffering from Chronological Indigestion, attempting to interpret the world through the rearview mirror of 2010 mandates, the "All—Weather" reality of Section 5821 is now the law of the land.
When the Kitchen Table Was the Internet
Some of us of the Baby Boomer generation grew up when the kitchen table was the internet, and everyone had an opinion. (Lars visited with his brother yesterday at a local noodle restaurant in Mountain View, so these recollections are at least a bit fresh.)
A few things about the Toomre family:
