Most founders don’t need more AI tools.
They need clearer priorities and more consistent execution.
Rick is an AI operator built to help founders cut through noise, focus on what matters, and move faster.
There’s never been a better time to be 18 years old. The amount of education information that is available now from the best minds in business is unparalleled. You get to know everything the best figured out…at age 18. Then you just need to do it, rather than figure out how to do it, which is what it takes so long.
I debated posting this because it can make you feel hopeless.
But I think the truth is always best found out early.
Many financial gurus talk about investing $100/mo etc to get to a point with $1,000,00 when you retire.
The reality of the math is this - if inflation is 3% per year, that $1,000,000 isn’t worth $1,000,000 today.
Because compounding inflation is just as powerful as compounding returns.
Said differently $1,000,000 in 60 years is only worth $167,000 of today’s buying power with 3% inflation.
And typically w late stage capitalism, rate of inflation increases (not decreases).
So what does this mean in reality?
You have to 6x your goal.
Ex: if you wanted to retire with $1,000,000 and $40,000 per year passive, you actually want $6,000,000 and $240,000 per year passive.
If you wanted $4,000,000 and $200,000 in passive income. You really need your goal to be $24,000,000 and $1,2000,000 in passive income.
Now let’s say inflation is 2.3% rather than 3% (the historical average). Okay. You’ll have overshot your goal by 50% (money will only be 1/4 as valuable rather than 1/6th).
Great. Retire early.
But the alternative is certainly worse. Undershoot and be a burden to the people you care about hoping for social nets which may or may not exist then. Who knows.
Regardless, I’ve never seen anyone talk about this - and maybe it’s because it makes people feel hopeless.
But I figure math is math and you shouldn’t be afraid to do it for yourself.
Always better to overshoot and get there early than never arrive.
Stop whining. Every position has an advantage.
Younger = cutting edge
Older = more experience
Smaller company = more personalized
Bigger company = longer track record
Rich = resources to use
Broke = nothing to lose
You arent limited by your resources, only your resourcefulness
The most important success principle is consistency. Being able to keep doing the same thing day after day without immediate satisfaction.
The problem is, to witness consistency, you need to be consistent.
We raised $60M for this moment: Introducing Slash Global USD (in partnership w/ @base).
It's the first banking platform that lets you open a USD account without an LLC, EIN, or the rampant account closures they call "account safety".
It took major legislative changes AND 3 years to pull this off.
Here's what makes it so different:
1. Banking without an LLC. Before Slash: You needed a LLC, $1K in fees, a virtual address, and a U.S. tax ID. With Slash you get a real U.S. account & routing number in ~10 minutes with your foreign documents.
2. No more hefty fees. PayPal charges a 3-4% conversion fee. We let you receive USD and crypto (USDC) with NO fees. Not enough? We pay you up to 4.5% cash rewards just for holding your money with us.
3. Account freezes. The big guys love flagging success as “fraud”. We're built for fast moving founders. We'll never wrongfully freeze your funds. I'm putting my money where my mouth is: If we do, I'll wire $10K to a charity of your choice.
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In 2021, I dropped out of the number 1 school in America as a Venezuelan immigrant to build Slash. I pivoted the business 2x before getting our first customer.
Today:
- 3,000 businesses use @slashapp
- We bought the domain Slash . com for $1M
- $4B is spent on our credit cards every year
And we just raised $41M from the people who built fintech: @MenloVentures@NEA@ycombinator@goodwatercap
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To celebrate this launch, we're giving away our internal AI finance Agent free.
It watches your bank accounts 24/7. Flags double charges. Cancels forgotten subscriptions.
It saved us $39,000 last month.
You don’t need a Slash account. It works with any bank.
Retweet + comment “Slash” and I’ll send you a free access link.
It's the mindset not the habit. It's not about consuming it's about healing your relationship with money.
To solve this. Make money your tool not your savior. Make more it's a game.
If i can't afford it and I need it. I would do something that will allow me to have it.
Being cheap is terrible for your mental health. Don't be afraid to spend money.
Spend that $100 on doordash.
Buy that $2,000 laptop.
Buy that nice $400 desk.
Trying to save every penny will result in u making significantly less money overall.
Money FLOWS.