MS in CE ,MS in AI, BA in CE/CS, Software Eng..design build run iterate.full stack by day..embedded by night..Here to help ppl build, learn, and execute
We had on Alex, who owns 40 real estate magazines doing $10m a year.
He mails out half a million magazines a year. Realtors pay to be in them.
Shaan asked how the post office makes its money. Alex said the post office is basically Facebook ads. You are the product. It's selling your address in your mailbox without you benefiting or agreeing to it.
Satya Nadella: Own your IP or Leak it (to foundation models)
"Our goal is for every company to start thinking strategically about what's the RL environment they set up, private evals they have, and how do they welcome any model into that "gym" and allow them to retain the IP and not leak value.
If you're just a consumer of a foundation model, then I'm not sure how you can retain enterprise value let alone create. So the only way I see this ecosystem being positive-sum where lots of participants can all be at the frontier is they're able to take frontier models and hill-climb on their environment and build out their own IP."
On My First Million we had on Josh, who acquires family-owned campgrounds and will do $20m in revenue this year.
His first one was near Yellowstone. He bought it for $3m, mostly an SBA loan. It was doing half a million in income, about $150k of cash flow.
A couple years later he brought the cash flow up closer to $300k, refinanced, pulled all his cash out, and used it to buy the next one.
Paul Singer bought $117 million of Argentina's defaulted debt for pennies on the dollar, they told him he would never see a cent - 15 years later he collected $2.4 billion
this is him explaining how he did it, including how he seized the flagship of the Argentine Navy
"they said if you don't take this deal you will have nothing, the debt will be of no value. we will never pay again"
"over 61,000 bondholders didn't take the deal. they haven't negotiated with us or any of the holdout bondholders at all, ever. not for one minute"
bookmark & watch the full conversation ↓
Introducing llms.txt Generator ✨
You can now concatenate any website into a single text file that can be fed into any LLM.
We crawl the whole website with @firecrawl and extract data with gpt-4o-mini.
Create your own llms.txt at https://t.co/wNrQE0DMJu!
Someone ran Claude Code on an e-ink notebook and the slowest screen in the world suddenly turned out to be the best home for an AI that already thinks one word at a time.
This is the reMarkable Paper Pro, a paper tablet for notes with no browser and no social media and not a single app. He went into it over SSH and brought up Claude Code on Opus 4.8 on Claude Max and typed right into the terminal on the paper screen: "hello reddit, this is ssh terminal on rmpp".
For years this screen got slammed for one thing. E-ink is too slow and it draws with a delay and it ghosts and it is no good for real work. But Claude itself puts out a thought one word at a time.
And here is what came out of it: the very thing that killed the paper screen for normal software lined up perfectly with the pace of the AI. There is no more lag because there is nothing left to lag.
And then come the things no monitor can give you.
Your eyes do not get tired. You can watch Opus think on max effort for an hour and it feels like reading a book and not staring into a backlight.
Nothing distracts you. Not a single notification and not a single tab and just a cursor and an agent that writes code while you simply watch the page.
The charge lasts for days. E-ink barely touches the battery so Claude can grind on a task all night long and the tablet is still alive by morning.
And it weighs as much as a notebook. The whole work setup now fits into a bag like a notepad with a stylus on top.
Everything on the screen is for real: Claude Code v2.1.162 and bypass permissions on and Opus going off to think on max effort right on the e-ink.
In my opinion this is the most unexpected home for an AI this year.
Not a farm of graphics cards and not a wall of monitors but a quiet sheet of paper on a coffee table where the most powerful Claude writes code one word at a time like a pen.
Dave Ramsey explains that the key to happiness is getting some buddies together, buying 10% of an OTC-listed community bank, forcing your way into the board, and taking over the company
Conor Neill, profesor de MBA, lo dice sin rodeos: la vida premia la acción, no la inteligencia.
Y cuanto más listo eres, mejores excusas te inventas para no actuar.
8 ideas para dejar de pensar y empezar a moverte:
1/ Haz una sola cosa. Y luego otra. Y otra...
This 45 minute Stanford lecture will teach you more about building companies than every startup book combined.
Bookmark & give it 45 minutes today, no matter what.
Jensen Huang, CEO of Nvidia:
"OpenClaw is probably the single most important release of software, probably ever."
two types of builders right now.
type 1: calls it slop. copy-pastes prompts into one chat window. calls that an agent.
type 2: wires openclaw and hermes into a loop that ships while they sleep and ships 100x what type 1 ever will.
type 1 got replaced. this article is for type 2.
save it before it disappears from the feed.
GOOGLE CEO SUNDAR PICHAI: "IF YOU DON'T LEARN HOW TO ORCHESTRATE AGENTS NOW, YOU'LL SPEND 2027 CATCHING UP TO PEOPLE WHO STARTED TODAY."
30 minutes on why the best engineers stopped writing code line by line and started orchestrating agents instead.
Most people think building an agent requires an engineering degree.
It doesn't.
It requires one guide and one afternoon.
Watch the interview. Then read the article below.
One guide. One afternoon. That's all it takes.
Chase will hand you $250,000 at 0% interest tomorrow morning
They gave you $8,000 at 22% instead
The $250,000 product is on the same website. Same login. One tab over. Your loan officer makes $0 commission on it so he showed you the $8,000 card and prayed you'd never click the other tab
They have two products. One costs you $0. The other costs you $108,960
Here's exactly how to walk in and take the one they're hiding from you
STEP 1: THE 15-MINUTE SETUP
LLC: your state's Secretary of State website. File online. Any name. $50-$200. Takes 10 minutes
EIN: irs dot gov. Free. 5 minutes. Instant
That's it. You now have a legal business entity that can apply for business credit. The LLC doesn't need revenue. Doesn't need employees. Doesn't need a product. Doesn't need a website. Doesn't need to have made a single dollar
STEP 2: THE BAIT
Open a business checking account at Chase. Walk in with your LLC docs and EIN. Deposit $500
The $500 is bait. Chase's algorithm gives existing banking customers 30-60% higher credit limits. A cold applicant with a 720 score gets $20K on a business card. An existing checking customer with the same 720 gets $35K-$50K. Because you parked $500 there for 30 days
Do the same at Bank of America, Wells Fargo, and US Bank. $500 at each. Total bait money: $2,000 across 4 banks. You get it all back after the cards are approved
Wait 30 days. Run transactions through the accounts. Deposit income. Pay bills. Move money around. You're building "account activity" which is the trust signal their algorithms watch
STEP 3: THE MORNING (day 30)
Every bank pulls a different credit bureau. Chase pulls Experian. Capital One pulls TransUnion. They can't see each other's applications if you go in the right order. Apply randomly and bank #3 sees 2 fresh inquiries and flags you as desperate. Denied. Apply in bureau sequence and every bank sees a clean file
9:00 AM - Chase Ink Business Unlimited
They pull Experian. You have checking there. Algorithm sees existing customer + clean credit. Expected: $25,000-$55,000 at 0% for 12 months
9:07 AM - Amex Blue Business Plus
If you have ANY Amex card already (even personal), they soft pull. No hard inquiry touches any bureau. Expected: $15,000-$50,000 at 0% for 12 months
9:15 AM - Capital One Spark Cash
TransUnion pull. Chase hit Experian. Capital One can't see it. Clean file. Expected: $10,000-$30,000
9:22 AM - US Bank Triple Cash Rewards
Different bureau. Expected: $10,000-$25,000 at 0% for 15 months. Longest 0% window in the market right now
9:30 AM - Wells Fargo Signify Business Cash
You have checking here too. Relationship bonus. Expected: $15,000-$30,000
Conservative total at 720+ score: $150,000-$250,000
With 760+ and banking relationships: $200,000-$320,000
All at 0% for 12-15 months
None of it on your personal credit report
No tax returns. No proven revenue. Approved same day
The same score that got you $8,000 at 22% on a personal card just got you $250,000 at 0% on a business card. Same bank. Same morning. Different door
STEP 4: TURNING CREDIT INTO CASH
Credit cards give you a line, not liquid cash. To deploy it:
Trykashu. 6.5% fee. Cash lands in your business checking in 72 hours
$200K stack = $13,000 in fees = $187,000 cash in your account
"$13K in fees sounds like a lot"
Your personal credit card at 22% on a $30K balance costs you $6,600 EVERY YEAR in interest. Forever. Until you pay it off. $13K one time for $187K in cash at 0% is the cheapest capital in America
STEP 5: WHAT PEOPLE DO WITH FREE MONEY
$200K into ad spend at 3x return = $600K revenue. Cards paid off month 5 from cash flow
$200K into rental properties. 3 houses cash in markets where homes cost less than a Honda Civic. Cleveland. Indianapolis. Memphis. Combined rent: $3,200/month. Refinance at month 8 with a DSCR loan (doesn't check your income, just checks if rent covers the payment). Pull cash out. Pay all cards to $0. Keep the houses. Keep the rent. Repeat
$200K into inventory. 40% margin on $500K in product sold over 6 months. Cards paid from revenue
$200K lent to house flippers at 14% interest. You become the bank. Chase charges you 0%. You charge them 14%. The spread is your salary
HOW TO HIT $500K
Spouse, business partner, or anyone with a 700+ score forms their own LLC with their own EIN. Opens their own checking accounts. Runs the same sequence under their own SSN
Person A: $200K-$250K
Person B: $190K-$250K
Combined: $400K-$500K at 0%
The banks don't cross-reference because the applications ARE independent. Two people. Two entities. Two separate underwriting decisions. Same way Apple runs 200+ subsidiaries and each one has its own banking relationships
"MY CREDIT IS BELOW 700"
Then fix it first. Takes 90 days. Not 7 years. 90 days
Day 1: Freeze the shadow bureaus BEFORE you dispute anything. This is the move credit repair companies charge $2,000 for. Takes 25 minutes. Costs $0
LexisNexis: consumer dot risk dot lexisnexis dot com/freeze
SageStream: sagestream dot com/freeze
Innovis: innovis dot com/freeze
ARS: aborfreeze dot com
ChexSystems: chexsystems dot com/freeze
These 5 databases are the snitches. When you dispute an account with Experian, Experian doesn't actually investigate. They ping these shadow databases and ask "is this real?" If LexisNexis says yes, Experian marks it "verified" and your dispute dies
Freeze them. Now Experian pings LexisNexis and gets "unable to verify." FCRA Section 611: if the bureau can't verify in 30 days, they MUST delete. Legally. No choice
Without shadow freezes: 40-50% deletion rate
With shadow freezes: 70-85% deletion rate
Day 4-7: Dispute EVERY negative item. Not the online portal. Online disputes go to an overseas center that auto-verifies everything. Certified mail. Return receipt
The letter: "I dispute this account. Please provide the method of verification used, the name and contact of the person who verified, and all documentation used in verification per FCRA Section 611(a)(6)(B)(iii)"
One letter per account per bureau. 15 negatives x 3 bureaus = 45 letters at $5 each = $225
$225 to potentially delete five figures in debt from your file
Day 30: First results. Shadow bureaus frozen + creditors can't produce documents they sold 3 years ago = 50-70% of items deleted
Day 31-45: Survivors get the 605(b) method. This is the escalation that makes bureaus panic
FCRA Section 605(b) requires bureaus to follow specific reinvestigation procedures. Their "verification" system is a joke called eOSCAR. They send a 2-digit code to the creditor. Creditor checks a box marked "yes." Bureau marks it "verified." That checkbox is not what the law requires
Round 2 letter: "Your previous investigation failed to comply with FCRA Section 611(a)(6)(B)(iii). You provided no method of verification, no verifier name, no supporting documentation. Under 605(b) reinvestigation requirements I demand: the original signed contract, complete payment history from origination, chain of custody if the debt was sold, and proof of proper notification of delinquency"
You're demanding documents that physically don't exist anymore. The original creditor sold the debt years ago. The signed contract is in a warehouse in Ohio that nobody will ever open. The collector bought a spreadsheet with your name on it. The shadow bureaus are frozen so the backup verification chain is dead
605(b) + frozen shadow bureaus: 80-90% total deletion rate across both rounds. We've seen bankruptcies deleted in 43 days. $90K in collections gone in 51 days
Day 35-45: While disputes are running, add authorized user tradelines. Find someone with a credit card open 10+ years. Perfect payment history. Low balance. Get added as an authorized user
You never get the card. Never spend a dollar. Their entire account history appears on YOUR credit report in 14 days. Your average account age jumps from 2 years to 8+ overnight. Score jumps 50-100 points from this one move
Parents. Grandparents. Siblings. They're not cosigning anything. 5-minute phone call to the card company
Day 60-75: Anything still standing gets a CFPB complaint. Go to consumerfinance dot gov. The complaint goes to a senior compliance team at the creditor. Not the call center. Not the overseas dispute farm. The legal department. Companies delete accounts to avoid having a negative response in a federal database that regulators and journalists monitor. 65-80% resolution rate
Day 75-90: Drop utilization below 9% on all cards before statement closing date. $1,000 limit = keep balance at $80 when statement cuts. Worth 30-50 points by itself
Day 90: 180-250 point jump. Disputes killed the negatives. Shadow freezes broke the verification chain. 605(b) nuked the survivors. Tradelines added a decade of history. Utilization at single digits
620 to 750. 90 days. Then run the funding stack the next morning
your bank has two products. one makes them $108,960 off you over 10 years. the other makes them $0. your loan officer showed you the one that pays his mortgage and buried the one that doesn't. the $250,000 at 0% has been sitting on chase dot com this entire time. you just didn't know to click the business tab lmfaooo
link in bio and i'll show you how you can qualify for up to 250k in 0% APR funding (if you have a 700+)