Fuck You Money
“What if you woke up tomorrow with nothing? No money. No assets. No portfolio. Just the knowledge you have right now. What would you do?”
I get asked this all the time.
It’s because I have “fuck you” money, and they want the formula for it.
They expect me to describe a painful, decade-long climb. A return to the investment banking bullpen. A 100-hour-week grind. Major risks building a business.
They are wrong. I would not do that again. I have a better way now.
Losing my money would not be a tragedy. It would be an inconvenience. It would not be a life sentence. It would be a purge.
Why?
Because the old rules are dead. The model of “get a job, save 10%, buy an index fund, and die at 70” is a trap. It’s a system designed to create compliant workers, not sovereign individuals.
My knowledge isn’t just about P/E ratios or LBO models. My knowledge is about systems. And the tools to build systems have become absurdly powerful.
If I woke up at zero, I would be cash-flow positive in 90 days. I would be wealthy again in 24 months. I would be unstoppable in 36.
This isn’t arrogance. This is a plan. This isn’t a “get rich quick” fantasy. This is a “build leverage fast” blueprint. It’s the only way I think.
Here is the protocol I’d run.
Phase 1: The Twin Engines of Creation and Distribution
My first 24 hours would not be spent in panic. They would be spent in execution. I need to solve two problems simultaneously.
The Creation Problem: I need a product to sell.
The Distribution Problem: I need people to sell it to.
Most people fail because they solve these sequentially. They build a product for six months in a dark room. Then they emerge, look around, and realize they have no one to sell it to.
This is rookie-level. It’s a waste of time.
I will do both in parallel.
My strategy is simple: I will build a SaaS in public.
“Building in public” is the ultimate content strategy. It is raw, authentic, and requires zero extra effort. You are not “creating content.” You are documenting your work.
I will start by building an audience on social media (X, LinkedIn). Technically, I already have access to 60,000 people across social media. My content will be the process.
“Day 1. Woke up with $0. Here’s the plan.”
“Day 2. Identified a pain point in the e-commerce analytics space. The idea: A tool that does X.”
“Day 3. Used AI to generate 50 potential names. We’re going with [SaaS Name].”
“Day 5. Here is the first landing page mock-up. It’s ugly. But it’s live.”
“Day 10. Hit a major coding bug. Here’s how I’m thinking through it.”
“Day 20. First 10 beta signups. The feedback is brutal. And perfect.”
“Day 30. We have our first paying customer. $49. The first dollar.”
This is infinitely more engaging than generic advice. I am building a story. People follow stories. I am demonstrating expertise, not just claiming it.
This audience, this distribution, is my first and most important asset. It is more valuable than the product itself.
In the old world, capital was the bottleneck. In the new world, attention is the bottleneck.
AI has democratized creation. Anyone can make a song, an app, or an essay. But not everyone has someone to listen.
While building this one SaaS, I am also launching my digital asset portfolio. I don’t believe in single points of failure.
I will launch three paid Substacks.
Wealth Systems: The playbook. The meta-narrative of what I am doing. Strategy, systems thinking, capital. Wealth Systems
Life in the Singularity: Tactical guides. How I’m using AI to build my SaaS, write my content, and analyze markets. Life in the Singularity
Mastering Revenue Operations: Business strategy, operations & systems. Mastering Revenue Operations
The “build in public” journey on social media (free) feeds the “how I’m doing it” deep dives on Substack (paid).
The system feeds itself. The work I do to build the product is the marketing. The marketing is the content. The content is a product.
This is a closed-loop system. It is efficient.
It is leveraged.
Phase 2: God-Mode
I am one man. I need to operate like a 50-person company. The old way was to hire. The new way is to leverage. AI is the single greatest leverage tool ever created.
I will lean into AI so heavily it will look like I have a team of geniuses working for me 24/7.
1. Product Ideation: I won’t guess what to build. I’ll use AI to find the gaps. I will scrape Reddit, forums, and product reviews for pain. I’ll feed thousands of comments into a large language model and ask it: “What are the top 10 unsolved problems for [target customer]?” The market will tell me what to build.
2. Design and Development: I am not a world-class coder. I am a world-class architect. I will use tools like GitHub Copilot and v0.dev. I will tell the AI what to build. “Create a Python backend with a login endpoint using FastAPI.” “Design a clean, minimalist dashboard in React for user analytics.” “Write the unit tests for this function.”
AI is my pair programmer. It writes the boilerplate. It fixes the bugs. It refactors the code. I direct the system. I do not lay the bricks. This cuts development time from 6 months to 3 weeks. Speed is everything.
3. Content Creation: I cannot write 10,000 words a week while also coding a SaaS. It’s impossible. Unless I use leverage. My Substack articles will be 90% AI-generated and 10% me. That 10% is the critical part. It is the idea, the voice, the insight.
My process:
I record a 5-minute voice memo with my core ideas on a topic.
An AI transcribes it.
Another AI cleans it up and turns it into a structured outline.
Another AI takes that outline and fleshes it out into a 2,000-word article, adopting my tone.
I spend 20 minutes editing it. I inject the force. I sharpen the points.
I am not an author. I am an editor. I am a director. This is how I scale my mind.
4. Rapid Mutation: The market moves fast. My products must move faster. With AI as my development team, I can mutate my products to meet demand. A customer wants a new feature? I can spec it, code it, and deploy it in an afternoon. I see a new, adjacent opportunity? I can clone my codebase, modify it with AI, and launch an entirely new micro-SaaS in a weekend.
My one SaaS becomes a portfolio of SaaS products. My one Substack becomes a network of newsletters. I am building surface area. More surface area means more places for luck (and revenue) to find me.
Phase 3: From Cash Flow to Capital Engines
Let’s fast forward 12 months. The system is working. The SaaS portfolio is generating $10,000... $20,000... $30,000 a month in recurring revenue. The Substacks are generating $5,000... $10,000 a month.
Cash is flowing. Faster and faster.
This is the most dangerous moment for most people. They get cash flow and immediately inflate their lifestyle. They buy the new car. The new watch. The bigger apartment. They become prisoners of their new income. This is a fatal error. This is lifestyle inflation and its for people who want to look cool on social media.
I will do the opposite. I will live on nothing. I will keep my burn rate at zero. Every single dollar of profit is not income. It is capital. Income is for spending. Capital is for building.
It’s time to use my money to make money. I will build two new Wealth Engines. And then I will integrate them together into an operating system.
Let me show you how.
Wealth Engine 1: The Active Income Generator
I am not a “buy and hold” zealot. I am a pragmatist. I need my capital to work for me. Right now. My primary strategy will be selling options.
This is not the degenerate gambling you see on Reddit. This is the house. I am the casino. I am selling insurance. I will focus on 30-45 DTE (Days to Expiration) strategies. This is the sweet spot where time decay accelerates. Time is now my employee. It works 24/7 to make me money.
I will sell cash-secured puts on companies I want to own anyway.
If the option expires worthless, I keep 100% of the premium. This is my cash flow.
If the option is exercised, I am forced to buy a high-quality company at a discount (the strike price). This is a win.
I will sell covered calls on the stocks I am assigned.
If the option expires worthless, I keep the premium. More cash flow.
If the option is exercised, I sell my stock at a profit (the strike price). This is a win.
This is a high-probability system for generating consistent, monthly income from my capital. This new income stream is then added to my capital base.
The system compounds.
Wealth Engine 2: The Passive Compounding Machine
With the profits from my SaaS portfolio and the premiums from my options strategy, I will buy assets. Specifically, shares in high-quality, dividend-paying companies.
I am not looking for hype. I am not chasing momentum. I am buying boring. I want companies that are monopolies or duopolies. I want companies with wide moats, strong balance sheets, and a 10+ year history of increasing their dividend.
Why dividends? Because they are non-negotiable. They are automatic. A dividend is a CEO admitting they have too much cash and must return it to the owners.
I am an owner.
I will set every single stock to DRIP (Dividend Reinvestment Plan). Every quarter, my dividend payment automatically buys more shares. Those new shares then produce their own dividends. This is the definition of compounding. It is the most powerful force in finance.
My digital business (SaaS, Substack) is my offense. My options strategy is my income engine. My dividend portfolio is my fortress. See how I am building this?
Phase 4: The Operating System
I will not manage this portfolio like a 20th-century investor. I will not spend my days reading The Wall Street Journal.
I am a technologist.
I will build an AI to do it for me.
I will build my own personal analyst team.
AI Agent 1: The Scanner. This agent will read 10-Ks, 10-Qs, and earnings call transcripts 24/7. I will give it my strict criteria:
“Flag any S&P 500 company with a P/E below 15, a dividend yield above 3%, and a 5-year dividend growth rate over 8%.”
“Analyze the ‘Risk Factors’ section of these 10-Ks and summarize any new threats related to regulation or competition.”
“Alert me when implied volatility on any stock in my watchlist exceeds 50%, making option premiums high.”
AI Agent 2: The Monitor. This agent will watch my positions. It will send me a single daily digest:
“Your $MSFT position’s dividend ex-date is tomorrow.”
“Your $AAPL covered call is now 90% profitable. Recommend closing the position.”
“A sudden news event has caused a 10% drop in $JPM. This is a potential entry for selling cash-secured puts.”
While other investors are reacting to headlines, my AI agents have already read the source documents, run the numbers, and presented me with a decision.
This is the new alpha.
It is not about what you know.
It is about the speed and scale at which you can process information.
The Final System: An Integrated Wealth Machine
Let’s look at the system I’ve built and shared with you.
Distribution (The Audience): My megaphone. I build it every day. It costs $0 and gives me infinite leverage.
Creation (SaaS/Substack): My primary cash flow engines. Built with AI, they are fast, scalable, and high-margin.
Active Capital (Options): My secondary cash flow engine. It takes the profits from Creation and turns them into a new, consistent income stream.
Passive Capital (Dividends): My compounding fortress. It takes all surplus cash and automatically builds long-term, generational wealth.
The AI OS: The brain that sits on top, managing the capital engines with superhuman speed and efficiency.
Each part of this system feeds the others.
Building in public (Distribution) grows my audience.
A larger audience (Distribution) leads to more SaaS and Substack sales (Creation).
More sales (Creation) generate more profits (Capital).
More capital (Capital) allows for larger option trades and dividend purchases.
My success in the market (Capital) provides me with unique, high-value insights for my audience (Distribution).
The loop closes. The flywheel spins faster.
This is the core of Wealth Systems. It is not a “job.” It is not a “hustle.” It is an integrated network of engines.
Losing everything would not break me. It would focus me. It would give me a blank slate to build the machine correctly, from the ground up, using the most powerful tools in history.
You do not need capital to start. You do not need permission. You need four things:
Unique Ideas: The ability to see what others miss.
Intensity: The will to execute with violence and speed.
Consistency: The discipline to show up every single day.
Resilience: The grit to handle adversity when it inevitably finds you.
This is the blueprint. This is what I would do to regain Fuck You Money.
The only question is, what are you going to do?
Friends: in addition to the 17% discount for becoming annual paid members, we are excited to announce an additional 10% discount when paying with Bitcoin. Reach out to me, these discounts stack on top of each other!
👋 Thank you for reading Wealth Systems.
I want to learn what topics interest you, so connect with me on X.
…or you can find me on LNKD if that’s your deal.
I started Wealth Systems in 2023 to share the systems, technology, and mindsets that I encountered on Wall Street. I am a Wall St banker became ₿itcoin nerd, ML engineer & family office investor.
💡The BIG IDEA is share practical knowledge so we can each build and optimize our own wealth engines and combine them into a wealth system.
To help continue our growth please Like, Comment and Share this.
NOTE: The content provided on this blog is for informational purposes only and does not constitute financial, accounting, or legal advice. The author and the blog owner cannot guarantee the accuracy or completeness of the information presented and are not responsible for any errors or omissions or for the results obtained from the use of such information.
All information on this site is provided 'as is', with no guarantee of completeness, accuracy, timeliness, or of the results obtained from the use of this information, and without warranty of any kind, express or implied. The opinions expressed here are those of the author and do not necessarily reflect the views of the site or its associates.
Any investments, trades, speculations, or decisions made on the basis of any information found on this site, expressed or implied herein, are committed at your own risk, financial or otherwise. Readers are advised to conduct their own independent research into individual stocks before making a purchase decision. In addition, investors are advised that past stock performance is no guarantee of future price appreciation.
The author is not a broker/dealer, not an investment advisor, and has no access to non-public information about publicly traded companies. This is not a place for the giving or receiving of financial advice, advice concerning investment decisions, or tax or legal advice. The author is not regulated by any financial authority.
By using this blog, you agree to hold the author and the blog owner harmless and to completely release them from any and all liabilities due to any and all losses, damages, or injuries as a result of any investment decisions you make based on information provided on this site.
Please consult with a certified financial advisor before making any investment decisions.