Lars Holdgaard

709 posts

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Lars Holdgaard

Lars Holdgaard

@LarsHoldgaard

Building boring B2B SaaS. Quietly compounding. ex-Likvido (acquired by Visma). Lisbon 🇵🇹. Dad. 82/197 countries. DMs open 👋

Lisbon, Portugal Katılım Temmuz 2009
687 Takip Edilen403 Takipçiler
Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
@miguelgbandeira Tried but ended up making our 2nd floor an office instead. Coworking sucks. Much more efficient having your own setup designed how you want it + no worries when you have meetings. I think social Cowork days a few times a month is better ROI for happiness
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Miguel 🇵🇹
Miguel 🇵🇹@miguelgbandeira·
been working from home for 3 years i love it but i'm starting to feel the downsides it's lonely. it's distracting. and it's fucking with my routine there's no real barrier between work and personal life thinking about trying coworking spaces. might fix the routine, might help me separate work from home, maybe even meet some people anyone made this switch?
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Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
@SimonHoiberg How do you guys handle school with the kids in two locations? We’re considering a similar setup!
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Simon Høiberg
Simon Høiberg@SimonHoiberg·
I'm finalizing the rental contract for my next home. It's in a Swiss village, close to mountains and lakes. Looks very similar to these images 🥰 And it's close to Lucerne, probably the nicest city in Switzerland right now (20 minutes by train). Perfect for my family (wife and I + 3 small kids). Then Dubai in the winters where we get a bit more high pace and energy. Premium pick 🥇
Beauty of Nature 🥀@NaturalEye78321

Switzerland 🇨🇭

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Simon Høiberg
Simon Høiberg@SimonHoiberg·
@hispanicnomad @SartorialShootr They wouldn't. Just like people aren't flocking to Paraguay just because it has 0% taxes. You need an immense level of tolerance to live in these 3rd world countries, low taxes isn't enough. We pick Dubai because it's an actual, functional society, not just for the taxes.
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Joule Sullivan / The Sartorial Shooter
Ah bro cmon. I enjoy your content, but you know this isn’t true Dubai has best safety in the world Best service and ease of living in the world An incredible amount of high frequency entrepreneurs to build with The ability to fly anywhere in the world on Emirates Airlines Zero woke nonsense Gov leaves you alone if you are doing well unlike Europe (that in itself is a huge factor for the wealth of the world) Limitless gyms and bio hacking facilities Amazing quality food if you have the budget for it You can not argue with Dubai’s value globally - IF you are being honest with your followers…
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Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
@fullstackmiguel Sir it had been raining basically every day this year 😂 we also loved yesterday but damn - rough start of 2026 here
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Miguel 🇵🇹
Miguel 🇵🇹@miguelgbandeira·
pro tip: forget vitamin D supplements just move to Portugal
Miguel 🇵🇹 tweet media
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Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
@TheJerzWay But I’d bet some EU countries will start implementing the citizenship based model - unfortunately - failing states do desperate things 😅
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The Way of Jerz
The Way of Jerz@TheJerzWay·
The passport isn’t the problem... The tax residency is. You can keep your citizenship and still legally remove yourself from a high-tax system (Except Americans). Most people don’t leave because they don’t understand the rules. Not because it’s impossible.
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Ben Gold
Ben Gold@bengold·
Seriously this is the dumbest fucking things I’ve ever read.
Nikita Bier@nikitabier

@DCinvestor @X We don't have the capacity to support more than two colors right now. But feedback noted: we are looking into lightening the black on web.

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Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
@levelsio Wait, what - is that for real? How did that get approved? Like, I'm honestly curious. How will most things even function with that tax (i guess no startups can actually stay?)
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Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
@zain_hoda But is the “power”/moat of a system of record the data or the extreme amount of dependencies that is built around it across hundred or thousands of employees?
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Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
@jacobrodri_ @nic_amadio Giga risky strategy. Generally don’t ever include your home/citizen country in that tax strategy 😅 they will always attempt claiming (and honestly extremely fair). Combine it as a EU tourist and stay much less in your citizenship country, could maybe work ..
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Jacob Rodri
Jacob Rodri@jacobrodri_·
why would the european country claim tax residency if you comply with this? - fewer than 183 days in your european country - no immediate family in that european country - no clients or economic activity linked to that european country - tax residency certificate in another country (paraguay, panama)
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Jacob Rodri
Jacob Rodri@jacobrodri_·
after a few weeks in vietnam, i’m convinced the best tax strategy for a european founder is: - tax residency in paraguay/panama (0% tax and no need to live there) - spending the winter in vietnam/thailand/philippines (amazing weather, beaches, food) - rest of the year (6 months) in your home country, without paying the 50% european tax sounds like a dream life
Jacob Rodri tweet media
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Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
@jchatelaine Are there any real people left on Linkedin? :D judging the feeds it's 100% ai posts haha
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Jeremy Chatelaine 🔥
Jeremy Chatelaine 🔥@jchatelaine·
I "love" how LinkedIn is artificially fabricating notifications when you stop being active and there are no real notifications. Anyone else noticed this? :)
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Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
@ItsKieranDrew Most ppl leave for 3+ months during summer + when you connect with the right crowd the status goes away :) dubai can be great (our family miss it). nowhere is perfect
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Kieran Drew
Kieran Drew@ItsKieranDrew·
Call me strange, but I don’t like the idea of living in Dubai. I know good people there. But the summers are too hot, there’s nothing but big buildings and sand, and there’s too much flexing status. Give me somewhere green and peaceful.
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Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
This is really THE question. Right now a million features are not being built because devs are giga busy and roadmaps are full of stuff. Will AI just mean we get to raise the floor of products OR industry is fucked ?
Parker Conrad@parkerconrad

The cost of building software dropped dramatically from 1998 to 2006. AWS (vs self-hosting), MySQL (viable ~ 2005), high-level languages all massively reduced cost to build, and led to a Cambrian explosion of software businesses. But this did not make software cos less valuable!

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Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
When asking developers if they use AI: On X: “I’ve 8 terminals running independently in worktrees in a Ralph loops 24/7!” Normies: “he he GitHub copilot once made one unit test for me”
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Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
@corbtt What’s insane is this is not the main topic in news. The change in all workplaces, change of biggest companies 😅
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Kyle Corbitt
Kyle Corbitt@corbtt·
Feels surreal to me that you can still walk around an office in 2026 and see rows of white-collar workers editing spreadsheets, reading docs, writing memos. This will all be gone in two years, just like the human "calculators" of the 1940s. Do they know it?
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preset127User
preset127User@MOOOOrion·
@corbin_braun Weird being in a panic to get to market, but knowing in a year AI will be able to clone our product in a day.
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corbin
corbin@corbin_braun·
I think any developer that sees what I see is straight up grinding 24/7. we know the walls are collapsing.
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Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
@IterIntellectus Large amounts of unemployed single men used to be a nations biggest fear. It would create uprisings and war. The experiment we run with now with women is equally scary. So much pain and deeply unfulfilled lifes :( also unsure where this ends
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Lars Holdgaard
Lars Holdgaard@LarsHoldgaard·
@Steve_Yegge I learned how sub agents work, and now I am on my 2nd max'ed out subscription haha
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Steve Yegge
Steve Yegge@Steve_Yegge·
This is my third $200/month Claude Pro Max plan. My first two have maxed out their weekly limits, and now I'm about to hit a session limit in my third one. And I'm trying to dial UP my usage, with Gas Town. Has anyone done the math to figure out when it becomes more economically sensible to buy the Teams package and give yourself all five seats?
Steve Yegge tweet media
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Phantom Stays
Phantom Stays@PhantomStays·
Just spoke with a Dutch🇳🇱 founder who moved to Dubai🇦🇪, scaled his e-com from €3M to €16M in 12 months. He's crushing it $60k/day in ad spend rn, about to break $20M revenue. But here's the problem: his ad payments are failing every single day. Mercury has him capped at $20k daily spend. He needs $60k. So every morning, he's manually juggling payments, begging support to lift limits, watching campaigns pause mid-flight. And that's just the start. He's bleeding 1.5% on every dollar because he's processing US customer payments through Dutch Shopify rails. On $18M/year, that's $270,000 just evaporating into foreign transaction fees. Zero US credit history. Running the whole operation on debit and cash flow. Even though he knew he needed to setup a US LLC to fix all of this, he's stuck on next steps. He chuckled when I asked if his "registered agent" address was 30 North Gold St, which is now getting flagged by every bank, card network, and payment provider. This is what happens when you outgrow your infrastructure but don't know there's a better way. Here's what we're doing: First, we're getting him a real US residential lease through our community lawyer. Not some mail forwarding bullshit legitimate address that banks actually respect. This unlocks everything. Once that's secured: 🔥 Migrate Shopify payments from Dutch to US instantly. That 1.5% foreign transaction fee ($270k/year) disappears overnight. Just gone. 🔥 Switch from Mercury to Slash banking. Mercury caps him at $20k/day. Slash? Unlimited daily spend limits, plus 2.3% cash back on his debit spending (he qualifies for the higher tier at $150k+/month volume). On $18M/year, that's $414k in cash back just for paying the same bills. 🔥 For credit, we're bypassing the normal 12-month grind. He opens a Chase business account remotely through our contact, $100k deposit. This triggers conditional approval for Chase business cards with 3x points on ad spend. On $18M in ads, that's 54 million points per year. Plus it gives him much needed credit float. 🔥 Long-term play: fly him to the US for a proper "bank run" opening accounts at Bank of America, US Bank, high-street banks that do inventory loans. Because when he's ready to scale past $30M and needs 7-figure inventory financing, those relationships are already warm. ~5% interest beats the hell out of self-funding everything. The outcomes here are stupid big: Ad spend unblocked. He can scale past $60k/day without his campaigns dying mid-flight. Hundreds of thousands saved annually on FX fees that were just leaking out the bottom. Immediate access to either 2.3% cash back on debit or millions of points (54M+ with 3x multiplier on ads) for premium travel. And most importantly his business infrastructure is now bulletproof for the next phase. When he needs that 7-figure inventory loan or wants to sell the company, everything's already dialed in. Crazy part? He didn't even know this was possible. He thought Mercury and Dutch rails were just "how it works" for foreign founders. If ur running serious volume outside the US but processing through outdated infrastructure, you're leaving Ms on the table. This stuff compounds. Every month you wait is another month of payment failures, wasted fees, and zero credit building.
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