Three days later:
“No layoffs. But $1,000 salary cut for everyone.”
Employees are upset...
but relieved they still have jobs.
Next day, the CEO gathers everyone:
“You are not employees. You are family.
I took a personal loan to support the company.
The salary cut will be only $500, not $1,000.”
The same people who were angry yesterday...
Started thanking him & became loyal to company.
Lesson:
People don't judge outcomes.
They judge outcomes against expectations.
A company was on the verge of collapse.
The CFO found a solution:
“Cut $500 from every employee's salary and we survive.”
But the CEO did something smarter.
Day 1: HR spreads a rumor: “Mass layoffs are coming.”
All Employees Panicked
EMI’s.
Rent’s
Three days later: ↓↓
realizing there was no income tax in the united states for the first 137 years of its existence.
let that sink in.
the country was built, industrialized, and became the most powerful nation on earth without taking a single dollar from your paycheck
then in 1913 the federal reserve act was secretly signed on jekyll island during christmas while most of congress was home with their families.
and just like that a private central bank owned by foreign interests took control of america’s money supply
the country was built on patriotism and productivity.
but its future was stolen through usury by rothschild bankers who turned every american citizen into a debt slave from birth
you work from january to april just to pay the government.
money that gets sent overseas, funds wars you didn’t ask for, and lines the pockets of people who don’t care if you live or die
137 years with no income tax and the country thrived.
but sure tell me again how the system is working
I am fully convinced that 2019 was the last normal year we ever had. Ever since then, it feels like everything’s broken. Everyone is constantly anxious, time moves too fast, and nothing actually feels real anymore. The world as we knew it is just gone
My friend is worth $1m at 27 years old
3 years ago he was suffering from marijuana induced psychosis and got laid off from his 9-5 job where was earning $100k/year
2 years ago I hired him to be a salesperson in my company
After making $350k his first year, he went on to sell at a different company and earned over $100k/mo in commissions for all of 2025
Now he’s building and managing a sales team in my company and will make a 7 figure/year income for the next 10 years
He’s also following my “double compounding” strategy, meaning he’s:
1) Auto-investing into ETFs every month
2) Buying tax deductible, cash flowing section 8 real estate
3) Borrowing against ETF portfolio to buy more section 8 real estate to truly get taxable income extremely low while creating extraordinary recurring cashflow + equity
Guy was at rock bottom 3 years ago and will be worth 8 figures by 35
I had a manager who said he “couldn’t afford to invest.”
But he took a family $7,000 vacation every year.
$7,000/year at 8% for 30 years?
$792,000.
We don’t lack money.
We lack priorities.
Here's a way better way to buy a house than getting a bank mortgage.
Instead of putting a big down payment, take that money and invest it in great stocks for 10 years.
During that time, rent a place to stay. For anyone who thinks you're throwing money away by renting, keep in mind that almost the entire mortgage payment you pay during that time is going to the bank's interest, not the principal.
Your rent will probably be less than your mortgage payment + property tax + repairs. So use that extra money to buy more stocks.
After 10 years, take a loan out against your stock portfolio and buy your house in cash. You will now own the house outright and have the deed - unlike getting a mortgage, where the bank holds the deed.
Your loan rate will be WAY lower than a mortgage rate because it's secured by your stock portfolio. Also, you don't have to pay back the loan on a monthly schedule. You can pay it back at your own pace, or don't pay it back and let the interest accrue on the loan. You never have to worry about the bank taking your house if you miss a few mortgage payments like a bank loan.
After it's all done, you own a house outright with a loan to yourself, and you never sold your stock portfolio, which keeps appreciating.
BTW, that's exactly what I did.
OpenClaw can now scrape any website without getting blocked - zero bot detection, bypasses Cloudflare natively, 774x faster than BeautifulSoup.
No selector maintenance. No workarounds. Just data.
THIS IS AN UNFAIR ADVANTAGE AND IT'S FULLY OPEN SOURCE.
I’ve touched on this before, but I’m really shocked that even very well off, business savvy individuals have no idea about margin loans / portfolio loans.
I have a friend with $5,000,000 in his stock portfolio. He was blown away when I told him he could use some of that money to invest in a business he is currently scaling, without selling his stock.
I don't know why brokerages don't promote this stuff heavy for everyone with a portfolio to take advantage of.
It’s rather simple. (Not financial advice.)
His brokerage (Schwab, Interactive Brokers, Robinhood, etc.) will allow him to pull out as a loan up to 50% of what he has in there, and he pays a small interest rate on that loan.
The stocks stay there, hopefully appreciating in value and he gets wired the loan amount.
Meaning my friend can pull out $2,500,000 and pay 5% on that loan and use that $2,500,000 to do anything he wants with it.
He can use it for something fun, or he can use it to make a larger return than the 5% and essentially arbitrage that rate.
What I mean by that is... he takes a loan to himself at 5% and puts it in a deal that makes 10%… and like magic he just made 5% or $125,000. This is simple math as to not go over anyones head.
Now, I would never recommend pulling out the full 50% because there are certain risks with it, like getting margin called (which is when your portfolio drops enough that the brokerage calls in the loan).
But at 25% margin, you are much safer.
Again (Not financial advice.)
PS this also works if you have $10k in an account and need to pull out $2k to cover something. Works with $20k $100k, $100,000,000 ... It can be done on a small or giant scale.
"Build me Perplexity Finance but for Pokemon cards. Make no mistakes."
Computer:
→ researched Pokemon card APIs on its own
→ wrote 5,000 lines of React + Python
→ debugged itself using browser devtools
→ deployed and pushed to GitHub
(built by u/NoSquirrel4840 on Reddit)