Charlie

building @eccuity - a digital investment bank without the barriers.

[Charlie @CyborgCharlie]

Time and Timing play such an important role for investors, founders and entrepreneurs. Here are some ramblings of mine on the subject.

https://t.co/oKqQugHfrd

[Charlie @CyborgCharlie]

@MikeySmithNZ This is good

[Charlie @CyborgCharlie]

@MikeySmithNZ On our commitment of traders report this week it had retail as massively short bitcoin. Seemed like a bit of a signal

[Charlie @CyborgCharlie]

Over the long weekend I had some time to consume some content.

I think the main indicator of over achievement is the ability to continually learn and change your mind.

@jack’s piece “From Hierarchy to Intelligence” crystallises some of my thinking around how modern AI native business must run. https://t.co/xguUgCZNxl

@chamath produced a great video on his investing journey which had a bunch of pertinent topics as well: https://t.co/ufoL7WOK8i

[Charlie @CyborgCharlie]

@MikeySmithNZ Quite the predicament! Lots of opportunities….when there is great uncertainty.

[Charlie @CyborgCharlie]

@pmarca @MarcMerrill I don’t love X but I lightly use it, 1/4 of my time is interviewing experts and business owners asking them about their biggest problems, the rest pretty consistent across your roster of sources.

[Charlie @CyborgCharlie]

A system that is falling apart is worth disrupting.

[Charlie @CyborgCharlie]

@naval I think that is actually a bigger problem for the VC and Angel community rather than the entrepreneurs building…

[Charlie @CyborgCharlie]

We were once paid for depth of knowledge. Now value is derived by sorting signal from noise in the world of slop.

This is why you never pay engineers for each line of code written.

[Charlie @CyborgCharlie]

@bgurley 🫡

[Charlie @CyborgCharlie]

@naval I have been thinking about it from the perspective of capital capital, human and computational capital. But reputation was missing. Knowledge is computational I guess…

[Charlie @CyborgCharlie]

Summer listening!

[Charlie @CyborgCharlie]

2026 is for builders, not talkers.

Hot take: If you're celebrating the proposed Kiwisaver contribution increase, you are celebrating the enrichment of the funds management industry more than empowerment to savers.

I just published my 2025 Year-End Reflections Memo, here's what I learned:

→ We're forcing Kiwis into a system where 25 cents of every dollar of returns has gone to taxes and fees on an aggregate basis
→ The S&P returned approx 17.9% (in USD) while you're stuck in funds charging 5-20x low cost international ETFs
→ OpenAI is raising at $830B while losing $5B/year
→ Silver ripped over 130% in 2025, speculation is rising
→ Inflation "came down" to 3% but your cost of living didn't

I spent a year deep in crypto. My conclusion? Still more questions than answers.

Meanwhile, I hit 3 of 6 goals, recorded over 100 podcasts, and kept building.

The only advantage any of us have: Taking action. Today.

https://t.co/pRZbMJqVuL

[Charlie @CyborgCharlie]

A relationship ends when neither party is willing concede their position.

Zero sum games are not the preferred route.

[Charlie @CyborgCharlie]

There is an arbitrage right now with the lowered cost of compute you are paying with the subscriptions! I agree with your sentiment that eventually and maybe sooner rather than later many of these services will experience high levels of churn as the costs mount for individuals and business owners

[Charlie @CyborgCharlie]

Two things can be true at once. Never forget that.

[Charlie @CyborgCharlie]

@naval Being a tall poppy is full of unknowns. Yet you find out what nobody else will know.

[Charlie @CyborgCharlie]

@maddireidy @Liammalone93 We can discuss this on the pod next month! :)

[Charlie @CyborgCharlie]

@sama @grok please summarize this BS so I don’t have to read the hubris.