Stack Hodler

If you are early 20s with $10K to invest, don't try to gamble your way to millions Spend that $10K on a 3 month Eurosummer trip instead. Stay in hostels. Friend-maxx. Adventure maxx. Romance strangers from strange lands. Bank priceless stories, gain confidence. Spend 20% of your time alone, building a beautiful vision for your future in which you decide exactly what you want. Set ambitious goals. Map the path to achieve them. Read great books. And return to your homeland as a conqueror with life experience, new skills, and a mission. This will be the greatest $10K you ever invest.

@hot_town This is it. Side quests in the simulation. Exploring the map. Well played

@stackhodler > be me > American studying abroad in Sweden > takes train to arctic circle alone > hitchhikes from Narvik to Tromsø > meets old rock climber who takes me hiking over mossy fairytale landscapes > go fishing in a fjord with locals > wander the island alone 10/10 life experience

If you are early 20s with $10K to invest, don't try to gamble your way to millions Spend that $10K on a 3 month Eurosummer trip instead. Stay in hostels. Friend-maxx. Adventure maxx. Romance strangers from strange lands. Bank priceless stories, gain confidence. Spend 20% of your time alone, building a beautiful vision for your future in which you decide exactly what you want. Set ambitious goals. Map the path to achieve them. Read great books. And return to your homeland as a conqueror with life experience, new skills, and a mission. This will be the greatest $10K you ever invest.

When you're on your death bed, what do you think you'd regret more? Spending $10K on priceless memories and grabbing life by the balls, or spending your youth pinching pennies and eating ramen noodles so that hopefully the market makes you wealthy by the time you're 65? How do you want to tell your children you got wealthy? By scrimping and saving, or by making bold choices and living life to the fullest along the way? Both can work, but I know which life I'm choosing

Interesting view Both ideas can be correct depends always on execution. There are plenty of wealthy people who started thinking scarcity at young age. People like Warren Buffet and Ingvar Kamprad. Plenty of the top elite 0.000001% started out investing and being savy from the beginning to the end. As one of my mentors teach me. There are 1 million good ideas. It is all in the execution.

This is pure scarcity mindset And it will only attract more scarcity If you're 22 with energy and ambition you need to see $10K as essentially zero. When you get to where you're going, $10K will be couch cushion money You need to be thinking much bigger. Solving problems at scale. Living larger. Best way to turn $10K into millions isn't by pinching pennies, it's by investing it in your own capabilities and mindset. Think abundantly. Money is everywhere. Every dollar you spend comes back to you 10 times over. Scared money don't make money. These are the uncommon thoughts that lead to uncommon results

@investbychrist Genuine romantic adventures enjoyed by two beautiful humans on a hot summer's day in a thousand year old European city forever linking two souls is one of the great joys of life and I'm sorry if you think its immoral

@stackhodler No need to romance strangers. Sexual immorality is damaging your own body.

@carryslayer1337 They will pay dividends for the rest of your life

@stackhodler This, you don’t have time for that when you are older, memories will stay forever

@stackhodler Buy at least 4K in Bitcoin and try to eat less. Maybe if you don't have more than 10K take some small jobs while travelling. Maybe do online freelance writing. My humble opinion. Eat noodles

@Thelastgoodbet I have a good feeling you'll be there soon, Tommy ;)

@stackhodler You’ve the life I’m chasing Stack. Don’t get me wrong I’m blessed with what I have. But the ability to not work as much and spend my time on this earth with my loved ones is the holy grail for me. One more bull market with Bitcoin and AI should enable me to exit.

18 holes with the lads Hit them with the $NBIS gigabull case in the era of export-controlled frontier models (Leopold knows) Absolutely HAMMER some drives into the woods PB&J at the turn, morale back at 110%. Afternoon dinosaur pool party with Stack Jr. 30's as a dad are 👌

@stackhodler Maybe if you have $30k to invest this would be a good way to spend $10k. I wouldn't endorse spending your life savings on a 3 month trip (and break in development) though.

@demetan28 Higher

@stackhodler What's your target $NBIS price for december 2026 ?

@DBCrypto9 Payback for shitting pollen all over my car

@stackhodler Those trees deserved it mate

@DanFriedman81 It's true I talked to some Belgians from Ghent recently and they told me how incredible Waffle House was The average citizen of Mobile Alabama has access to a caliber of waffle that the Flemish could only dream of Crazy

In 2007, the standards of living in the United States and Western Europe were similar, and most people don’t realize how much things have diverged since the US boomed after the global financial crisis and Europe didn’t. They don’t fully understand how we’re living and we don’t fully understand how they’re living; even when we visit Europe as tourists, we don’t see their tiny, sad flats and their depressing grocery stores. That is why Europeans visiting for the World Cup are going to, like, a Waffle House or a Taco Bell and losing their minds. Stuff we don’t even like or care about is wildly superior to everything everywhere else. We have no idea how rich we are.

@pepemoonboy 🍿

$NBIS will one day, in the very near future, join AWS, Azure, and Google as the fourth hyperscaler. Mark my words.

@NickOresme @jakewoodhouseio I still hold BTC, but way less than I did last summer

@stackhodler @jakewoodhouseio "But I no longer marry an asset. If the fundamentals change or the outlook changes... I sell." Do you still have your Bitcoin ?

Steep climb up to my favorite mountain coffee spot to start the day. Perfect Sunday morning. I vividly remember sitting here when I had like $100k saved up, wondering how I was going to turn it into millions so I could afford to stay at a hotel like this whenever I wanted. I had no doubt I'd make it, but I remember wishing I could jump to the future just to see the path that got me there. Now that I'm here, I realize how little the specific details of the actual path mattered and how a few specific beliefs were everything. Number 1 is believing that opportunity is absolutely everywhere Especially when you get to the point where you have some capital to invest. Do whatever you have to do to get your first $100K saved up. But then realize that there are incredible investment opportunities that can multiply your capital in a relatively short period of time. How do you find them? It sounds silly... But you need to do what most people don't: Actually look for them Most people are terrified to invest in anything besides an index fund If you want average results you should do the same But if you want extreme results you need to do something different Set a clear objective of what you are looking for in your mind. "I want a quality asset with real 10x potential over the next 5 years that I can hold with conviction through extreme volatility" Set that as your mental filter. Set it as a strict bar. And you will find the right asset. Trust yourself. Trust the universe. Do the work until you find that asset. And when you find the asset, have some balls and size up. Not financial advice. This worked for me but may not work for you. Oh one last thing... The goal is not the number on the screen. It's not to cheerlead for any one asset either The goal is to multiply your capital to provide your family with a high quality of life Set that as your guiding principle and you'll win

Probably sounds overly simplistic but I just think forward to the future and imagine what today looks like compared to then When I look forward it's so obvious that AI will play a WAY bigger role in pretty much everything we do so it's easy for me to be bullish on it long term Again, it JUST became truly useful for coding like 5 months ago. Many more use cases will follow. The incentive to get it right is just too enormous for progress to stop From there it's just a matter of thinking through the right way to play it

It can be hard to know where one’s at re any trend Early? Late? What am I missing? Posts like this remind me to keep digging. Follow your curiosity. Where your mind goes your money follows Congrats on the startup, YC experience, and exit Very rare to actually accomplish that If you apply what you see in AI to investing, what’s your favourite intersection?

I was a technical co-founder at three startups. Went through YC, raised millions, one company exited for 9 figures, yada yada... Fable 5 is an entire product team in a box. CTO, VP of engineering, product manager, senior dev, UX expert, UI designer, even sales/marketing... It does it all. And at a much higher level than most humans. Around the clock, multiple threads running simultaneously. I see people saying that token-based billing is a sign the AI bubble is nearing a peak. I don't see an AI bubble. I see a salaried employee bubble. After using Fable 5 I can confidently say: I'd much rather spend $200K on tokens for Fable 5 than hire a single human that does one of those roles (and only on weekdays when they're feeling focused, motivated, etc.) If token billing means choosing between cutting AI usage vs. cutting employees... Every CFO knows which line item goes first. But this tool only produces value in the right hands. The wrong employee will run up a token bill with nothing to show for it. The right employee will turn tokens into bottom-line improvements. If you're an employee, focus on proving you know how to turn tokens into value for your company. OR relationship-max harder than ever. If you're an entrepreneur, you have an entire expert product, marketing, and sales team at your fingertips for a fraction of the cost of the human equivalent. Use it to help other people at scale and you will win big. As an investor... this keeps me very bullish on AI. If you have capital to allocate, you want to put it into an industry seeing exponential growth. And you want to take advantage of all the moments that people lose sight of the big picture. This genie's not going back in the bottle. In fact, it only just escaped.

@jakewoodhouseio Agreed

@stackhodler Being a father is simultaneously the most inspiring, enjoyable, and difficult thing I’ve done Great vibe

2 year old son was staring at me while I was driving him home from grandma's house Then out of the blue: "Daddy? I love you, daddy" No one prepares you for how good it feels to hear that for the first time 100% one of the sweetest moments of my life so far

I prefer to keep a multi-year cash cushion and top it up when my holdings seem overvalued. At this point generating the cashflow that a 10% move on my portfolio creates would require so much time and effort that focusing on cashflow only makes sense if its doing something I love if that makes sense

Do you create cashflow alongside your investing? A big lesson of mine the last 6 months is cashflow is an asset vs volatility And something I under-valued in the past Also do you ever share your portfolio? It’s always interesting to learn what size exposure people take in differing assets

The most important thing to internalize as an investor right now: Demand for intelligence is infinite. As long as there are problems to solve, there will be demand for the intelligence to solve them. The demand scales with the click of a button... But the supply is constrained by the physical world (chips, energy, grid, etc.) So demand will outstrip supply for a long time. Once you understand this, You just buy and hold the companies that will have way more demand than supply for the foreseeable future. Give your capital to the teams that understood this early and have been treating shareholders well. And benefit from a once in a lifetime transition from a human intelligence economy to a machine intelligence economy. Hoist your sails and let the generational tailwinds compound your capital. It won't be smooth sailing the whole way. But we're never going back to humans doing all the mental labor. AI will continue to proliferate. It will enter the physical world via robots, autonomous vehicles, and smart sensors. Understand this and it's easy to build long-term conviction in certain assets. For me $NBIS and $OUST have become high-conviction holds. Nebius is becoming a leading supplier of intelligence for the new economy. They're selling intelligence 2-4x cheaper than OpenAI and Anthropic. Demand is off the charts and margins are expanding. Ouster is building the vision hardware and software that helps robots, autonomous vehicles, and sensors make sense of the real world. Easy theses. And they work for me. But the most important thing is to own SOME piece of this revolution. I like a barbell approach: AI revolution bets on one side, and investing in real world maxxing on the other side. The faster my capital compounds, the more focused I become on squeezing every bit of life out of my finite time here. This is ultimately the promise of this revolution. Let the machines crunch the numbers and click the buttons. And free us up to become more human. Next post will be about real-world maxxing. Which is arguably the harder thing to nail.

I like to scale into winners and make them a significant percentage of my portfolio. 30-70% depending on my conviction But I no longer marry an asset. If the fundamentals change or the outlook changes... I sell. Protecting and multiply family capital is first priority, not being on a team. Having said that, there are lots of assets that have done 5-10x in just the past 5 years We live in an incredible time. AI, robotics, space, etc. Many revolutions happening and many opportunities for those who look. My highest conviction long-term position at the moment is Nebius No interest in angel investing when public markets offer liquidity and 5-10x opportunities

If the filter is - quality asset - 10 x potential - 5 year home - high volatility What position size do you tend to take? And how many things actually hit that? Not many from my experience Angel checks too illiquid and long term Most public equites would never see that upside Bitcoin would be the only one I see What am I missing?

@CochranCrypto Siesta maxxing

@stackhodler I just asked everyone on the beach in Spain about the ipo and if it will affect bitcoin and no one cares?

Unfreezing $24B of Iran's own assets doesn't sound so dramatic when you consider a single US company is going public at a valuation 74x that amount What is a billion dollars anyway? Money isn't even real anymore