L.H.Fox

Ex-institutional finance | Published author | There has never been a more important time to build personal infrastructure

[L.H.Fox @thelhfox]

→ How exposed is your job to AI?
→ How long could you survive without a salary?
→ Is your personal infrastructure future proof?

Take the free assessment: https://t.co/lEY9M1cKvd

[L.H.Fox @thelhfox]

DAILY HELL: Realising the most creative thing you’ve done in six months is copy and paste into a spreadsheet

[L.H.Fox @thelhfox]

DAILY HELL: Being contractually available from 9 to 5 but culturally expected to be available from 7 to 10

[L.H.Fox @thelhfox]

DAILY HELL: Being asked to be “entrepreneurial” within a structure designed to prevent exactly that

[L.H.Fox @thelhfox]

DAILY HELL: Earning the number you thought would provide your dream life when you were a teenager and finding out that in 2026 it means you live month to month

[L.H.Fox @thelhfox]

DAILY HELL: Watching someone less intelligent than you get promoted because they’re good at being visible

[L.H.Fox @thelhfox]

Most working professionals are in a crowded trade and don't realise it. One income. One employer. No capital compounding independently. No skills outside a job title. Everything concentrated in one position. No hedge.

[L.H.Fox @thelhfox]

DAILY HELL: The phrase “let’s take this offline” which means “let’s never speak of this again”

[L.H.Fox @thelhfox]

Checking your work emails on your phone before your eyes are fully open because something might have happened overnight that you’ll need to deal with

[L.H.Fox @thelhfox]

DAILY HELL: the commute where you stand on a train surrounded by other people who also look like they’ve been defeated.

[L.H.Fox @thelhfox]

The median US home costs $420,000. In year one of your mortgage, 83% of your payment is interest. By year five it's still 78%. After a decade of payments totalling $306,000 you've paid off 16% of the loan. The bank took the rest.

[L.H.Fox @thelhfox]

People who are exhausted from building their own thing recover fast.

People who are exhausted from building someone else's thing never recover. They just manage the fatigue. Same hours. Same effort. Completely different return.

[L.H.Fox @thelhfox]

DAILY HELL: Sitting in your car in the car park for five minutes before going in because you need a moment

[L.H.Fox @thelhfox]

DAILY HELL: The company wellness initiative (a fruit bowl and a meditation app) when the actual cause of your stress is the workload

[L.H.Fox @thelhfox]

Anti-capitalist narratives drive massive engagement because being told it's someone else's fault feels like relief.

It means you don't have to change, learn, go on the journey etc.

You just have to be angry at the system that exists. That's the product.

[L.H.Fox @thelhfox]

DAILY HELL: Being introduced at a party where the first question is “what do you do?” and your answer is the name of your firm

[L.H.Fox @thelhfox]

The villain in every film is the rich man in the suit. The hero is humble, modest, content with less. We absorb this from childhood without ever questioning who benefits from a population that feels guilty about wanting financial independence.

[L.H.Fox @thelhfox]

DAILY HELL: Using your annual leave to just 'relax' because:
- you're not paid enough to take the holiday you actually want
- you need to catch up on life admin
- not having to be on call to respond to emails 14 hours a day feels like a holiday

[L.H.Fox @thelhfox]

PREDICTION: As the AI layoffs continue, there will come a tipping point where everyone realises they need capital working for them outside their salary, they'll flood into the same assets at the same time. Prices inflate. Returns compress.

The early money captures the upside for a monster bubble. The late money buys the top.

[L.H.Fox @thelhfox]

DAILY HELL: Being “well compensated” in a way that makes asking for a rise feel ungrateful

[L.H.Fox @thelhfox]

I don't love it when I see friends taking out mortgages on the assumption that property always goes up. Obviously there is a lot of regional nuance, but at country level it is a population bet.

More people, more demand, higher prices.

Birth rates are below replacement across the Western world. Migration will taper as AI/robotics replace lower skill work.

Look at China if you want to see where it ends.