Some guy was riding his motorcycle when out of nowhere a Deer showed up and started beating the living daylights out of him. If this wasn't recorded, no one would believe you ๐ญ
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JPMorgan hired four autistic employees in 2015 as a small test. Six months later, those four were 48% faster than colleagues who'd been doing the same job for three to ten years. In some roles, they were 90 to 140% more productive.
That small test grew into a global program. Today JPMorgan's autism hiring program spans 10 countries and over 70 different job types, with hundreds of people hired through it and 99% staying long-term. Other companies have been doing the same thing, some for longer.
SAP (the German business software giant) started even earlier, back in 2013. They now have 215 autistic employees across 15 countries. One of them rebuilt how the company processes its giant credit card statements (think American Express, 20,000 line items per bill). What used to take 2 or 3 days now takes 20 minutes. 94% of these hires stay.
EY (the consulting giant) started its own program in 2016, focused on automation and data analysis. The team has grown to over 500 people across 23 offices in 10 countries. EY says the tools they've built have saved or made the company close to $1 billion. 92% retention.
Hewlett Packard tried the same idea in Australia, on software testing teams. Same result: 30% more productive than the rest. Microsoft, 10 years into its own program, reports the same kind of gains across its teams.
There's a biological reason. Harvard Business Review and JPMorgan's internal data both point to it. Autistic brains tend to use more of their processing power for visual analysis and pattern recognition. Picture spotting one small bug buried inside millions of lines of code. Less mental energy goes to social cues and impulse control. Add hyperfocus, the ability to lock onto one task for hours without losing attention, and you get a brain built for software, fraud detection, and AI.
85% of autistic adults with college degrees can't find a job. The general US rate is 4.3%. A huge pool of qualified people sitting unemployed, while the handful of companies that figured out how to hire them are getting double-digit productivity gains.
Palantir's new fellowship lands right in that gap. Pay: $110K to $200K plus stock. Over 2,000 applications came in for the first round, and CEO Alex Karp does the final interviews himself. No formal diagnosis required. Karp's own words: "the neurally divergent (like myself) will disproportionately shape America's future."
Reads like marketing copy. 10 years of data from SAP, JPMorgan, Microsoft, EY, and HPE suggest the bigger story is hiring strategy.
Elon Musk fell into depression as a teenager.
Nietzsche made it worse.
Then imagination did what analysis couldnโt:
It built an $800 billion empire.
6 lessons that will change how you see anxiety: ๐งต
1. You need a world bigger than your pain.
Tony Robbins reveals the three skills he says will make anyone unstoppable in the AI era
"The first thing is pattern recognition. If you start recognizing patterns fear disappears. Losers react, leaders anticipate. Anticipation is power"
"The second skill is when you learn to use the patterns. The third level skill is pattern creation. That's what you've begun to do. That's what I've begun to do. It's like when you learn to play a piano, most people learn someone else's patterns. But if you do enough, now you get to come out and you start creating things"
You can take $250K from the banks, buy $250K in gold bars, store them in a private vault, and use the gold as collateral to borrow ANOTHER $200K from a different bank at 4% interest that you use to pay off the original 0% cards
You now have $200K in cash, $250K in gold, and your only debt is a 4% collateralized loan against an asset that has gone up every single year for 24 straight years
This is how billionaires avoid taxes and it works at any scale
Here's the chain:
Step 1: Stack $250K in 0% business credit. Standard play. 6 banks, bureau sequenced, 11 days
Step 2: Liquidate $242K (after processing fees) into your business checking
Step 3: Buy physical gold. Not GLD. Not a gold ETF. Physical gold bars and coins from a dealer like APMEX, JM Bullion, or SD Bullion. At current prices ($2,300/oz) that's roughly 105 ounces. About 6.5 lbs of gold. Fits in a shoebox
Ship it to a private vault (Brinks, Loomis, Delaware Depository). Storage cost: $150 to $300/year for this amount. The vault is insured. Your gold sits in an allocated account meaning those specific bars belong to you, not the vault company
Step 4: This is the magic part. Take your vault receipt showing $242K in stored gold to a bank or private lender. Apply for a Securities-Based Line of Credit (SBLOC) or a collateralized precious metals loan. Multiple lenders offer this: banks, credit unions, and specialty lenders like Vaulted or BOLD
They lend you 70 to 80% of the gold's market value. 75% of $242K = $181,500
Interest rate on a gold-collateralized loan: 3.5 to 5.5% depending on lender and LTV. Call it 4.5%
You now have $181,500 in cash from the collateralized loan. Use it to pay off $181,500 of the original credit cards. Remaining credit card balance: $60,500. Pay that off over 6 months from income or savings
What you now own:
$242K in physical gold (in a vault, appreciating)
$181,500 in collateralized debt at 4.5% (interest-only payments available)
$0 in credit card debt
All original credit lines still open and available
Interest-only payment on $181,500 at 4.5%: $680/month
"$680/month for what?"
For holding $242K in gold that historically appreciates 8 to 12% per year. Gold has had a positive annual return in 20 of the last 24 years. It returned 13% in 2023. 27% in 2024. It's up 23% year-to-date in 2025
If gold returns 10% this year, your $242K in gold becomes $266K. You made $24,200 in appreciation. Your interest cost on the collateralized loan: $8,160/year. Net profit from the spread: $16,040
You're being paid $16K/year to hold gold that the bank's money bought
And here's where the tax play comes in. This is the part that makes accountants get emotional
You NEVER SELL THE GOLD. If you sell it, you pay capital gains tax (28% on precious metals, the highest rate for any investment asset). Instead you borrow against it. Loans are not taxable income. When you borrow $181K against your gold, the IRS doesn't consider that income. It's debt. Even though you have $181K in cash from the loan, your tax bill: $0
This is the same play billionaires use with stock. Elon Musk doesn't sell Tesla shares and pay 20% capital gains. He borrows against them at 2 to 3% interest from Goldman Sachs. He gets cash. Pays no tax. The shares keep appreciating. He borrows more against the higher value. Repeat forever
You're doing the identical play with gold instead of Tesla stock. Bought with bank money instead of PayPal founding shares. At 0% initial cost instead of whatever Elon's cost basis was
The perpetual loop:
Year 1: Gold at $242K. Borrow $181K at 4.5%. Use cash to pay off credit cards and live
Year 2: Gold appreciates to $266K. Refinance the collateralized loan at 75% of new value = $199K. Pay off old loan ($181K). Pocket $18K cash tax-free. New loan interest: $746/month
Year 3: Gold at $293K. Refinance again. Pull out more cash. Loan gets larger but so does the collateral
Year 5: Gold at $355K. Collateralized loan at $266K. You've pulled out $85K in tax-free cash over 5 years from refinancing against appreciation. Paid $0 in capital gains. Gold is still in the vault. Still yours
The $680/month in interest is the only real cost. And it's deductible as investment interest expense if you itemize. At a 37% tax rate that $680/month costs you effectively $428/month after the deduction
$428/month for a self-funding gold position that generates $16K+/year in appreciation and unlimited tax-free cash access through collateralized borrowing
"What if gold drops?"
If gold drops below your loan-to-value threshold the lender issues a margin call. You either deposit more collateral (more gold or cash) or they liquidate enough gold to bring the LTV back in line. At 75% LTV, gold would need to drop 25% before a margin call. Gold hasn't dropped 25% in a calendar year since 2013. And even then it recovered within 18 months
The chain again:
Chase lends you $250K at 0%
You buy gold
You borrow against the gold at 4.5%
You pay Chase back with the gold loan
Chase got $0 in interest
The gold lender gets 4.5% (tax deductible for you)
The gold appreciates 8 to 12% per year
You never sell the gold so you never pay capital gains
You borrow against the rising value tax-free
Repeat until you die
This is how generational wealth works. Not by earning income and paying 37% tax. By acquiring appreciating assets with borrowed money and borrowing against those assets instead of selling them. The tax code was written for this exact behavior
the IRS taxes income. the IRS taxes sales. the IRS does not tax loans. borrow against everything. sell nothing. the billionaires figured this out 50 years ago. you can do the same thing with a credit score and 105 ounces of gold in a vault lmfaooo
(we get 700+ score business owners $100K-$250K in 0% business funding. what you buy with it and how you structure it is between you and your accountant. link in bio)
Life after discovering MIT put a world class AI education online for free.
This is what happens when you actually feed all 12 into Claude.
A completely rebuilt research system.
First you realize the whole financial system is designed to keep your broke
Next you realize the whole food industry is designed to keep you overweight and addicted
Then you realize the education system is designed to make you a sheep
Then it hits you.. theyโre all connected