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FSS Knowledge Base

Sort Dynalist Inbox

Section titled “Sort Dynalist Inbox”

AI

Section titled “AI”

Claude Code

Section titled “Claude Code”

Marketing

Section titled “Marketing”

Todos

Section titled “Todos”
  • $150/yr mobile plan to K, S, …
    • T to act on
  • Kristin and Kayla - Need wills!
  • Need to adjust what GMail puts in promotions folder, as some important emails are being ignored, including wealth simple informing that I can get the credit card now and I am not on the waiting list
    • Don’t include any emails from wealthsimple in promotions folder
  • Samsung Galaxy a15 has built-in Reminders app! Test it.
  • update gmail alaises, process
  • Make a note that when voice dictation is not recognizing punctuation or capitalizing poorly, I should check to see that I have an internet connection, and using Google Voice input.
    • Where is the proper home in my knowledge base for this note. I have a computer subfolder under processes and systems. Should I have a Phone subfolder, for lessons about using my mobile phone?
  • Document My various Focus And Reminders Systems With alarms, and inform warp
    • Specifically Mention The smart debt Mission Html file that I manually update
    • Improve The Integration of this Workflow To derive from A master file That maintains Existing Functionality including Highlighting the next few steps
    • Does this need Integrate with APE?
  • Create working on subfolder called upgrades. Where existing workflows or artifacts are identified for possible upgrades. One. Upgrade session log notes, both in format to be more concise, and to have consistent metadata.
  • Cell setup, sos. ..
  • Meet w Larry, after initial US advisor research

  • Email setup

    Section titled “Email setup”
    • I use Gmail for personal account and as UI for business email Talbot@TalbotStevens.com
    • All future business emails should be from *@SmartDebtCoach.com
    • How can I do this, in Gmail, after moving my web hostingfrom CWH to Cloudflare Pages?
  • Get OBD2/OBCD Code reader
    • After cruise control stops functioning. If reader doesn’t reset the code to fix this, try another one.
  • Slow Laptop
    • My old HP Pavilion laptop, with Windows 8.1 and an AMD A8 processor with 8 gigabytes of RAM, is very slow even after starting up. The CPU usage is very high even after a complete start, and the same for disk usage. Both are often 80 to 100% utilized with one app and 7 Chrome tabs open.
    • It also has a vast AV virus protection running which can slow things down. Perhaps there is a better virus protection solution for this old operating system.
    • I have disabled what I think are unneeded services in the startup tab of the task manager.
    • Can you help me improve performance on this old computer?

Learn

Section titled “Learn”

SMART DEBT Insights (SDI)

Section titled “SMART DEBT Insights (SDI)”
  • https://blogs.cfainstitute.org/investor/2025/12/17/momentum-investing-a-stronger-more-resilient-framework-for-long-term-allocators/
  • DeepMath
  • Ask best AI if there are ever times when individual should purchase permanent life insurance, if they are financially independent.
  • Research no margin investment loans in USA
    • LEAPs
    • Other
    • What do banks offer
    • HELOC params
    • Possible solution Dynamic Interest rates Based on Real time Credit Scores and other metrics. Systemic risk high.
  • Investment loans in Canada
    • Manulife consolidated all loans, including investment loans

  • Investment Strategy Upgrades

    Section titled “Investment Strategy Upgrades”
    • concepts to explore with claude
      • marginal changes to reward/risk (or risk/reward), from EV probabilistic perspective
      • when need to increase wealth
        • focus on maximizing reward/risk
      • when already are financially independent (wealthy enough)
        • focus on minimizing risk/reward
        • eg. no lifestyle gain from more wealth, and “riskless” returns are ~4% compared to long-term “risk” returns of 9%, and equity markets are “overvalued” resulting in expected 10-year equity returns of 3%, and the reward of holding (not selling) equities is -1% returns
          • from a marginal risk/reward perspective, the calculus is quite compelling
    • explore how to deal with overvalued stock market, especially in tech sector, which is ~40% of S&P500 now
      • reduce downside of 20%+ market drop
      • how to benefit from 20%+ market drop
    • see AI replies, from Gemini, GPT-5, Claude
    • Review GPT5 analysis tool
    • share w others when done
      • Jeff
      • R, Sean, K
      • Adam, Travis
      • Bub
      • Borger
      • Carlos
      • others?
    • Do same w parent $
  • Ask Norm Rothery and AI the most effective and perhaps separately easiest way to implement some of his investment strategies. Are there not some mutual fund or ETF implementations of momentum? What about the one that produced 18.4% returns for 26 years?

  • SMART DEBT Insights

    Section titled “SMART DEBT Insights”
    • Should only include ideas that directly relate to SMART DEBT?
      • or also include indirect ideas?
      • Only after address most directly related
      • How to categorize debt vs general ideas?
    • Clear categories (tags)
      • SD Strategy
        • Risk level vs complexity matrix
      • Series
        • will have many
      • Community Q&A
      • Consumer
      • Investor
      • Guaranteed (benefit)
      • Antifragile?
      • Simple, moderate, advanced
      • Business owner
      • Real estate, landlord (properties)
        • Big adjacent opportunities
      • Options, futures, derivatives, … (specialized securities?)
      • Risk management
      • Behavioral
      • Financing alternatives

  • SDI

    Section titled “SDI”
    • Research and perhaps correct stock market historical lessons for recovery. Many Finance articles site how the Great Depression caused stock markets to not regain their 1929 Peak until 25 years later. Dow jones. Is this including dividends, inflation adjusted? Two key parameters. Also investigate prior crashes also well known, the Lost decade in the US from 2000 to 2010 ish, the Japanese Bubble Burst from 1989, and others. Very important for long-term investors to objectively understand historical reality, to determine confidence for future long-term returns. If these wildly held views are wrong, the financial industry benefits from correcting them, as the industry earns more money from equity investments.
  • SDI, ANTIFRAGILE smart debt strategies
    • Not just smart debt strategies that are robust, and enduring. Strategies that actually benefit from negativity and down markets. Core example is buy more low. Explore other or advanced, anti-fragile wealth building strategies used by Naseem Taleb, including long-term options to capture volatility returning to the mean.
  • SDI, overlooked KSF, Timing. Arbitrage. Luck.
  • SDI - should you switch mortgage lenders, at renewal or generally?
    • SE12, b8
    • according to calculations by Ratehub.ca, the average five-year fixed-rate borrower would save $1,860 annually by renewing at the market’s current lowest rate of 4.04 per cent, compared with the average Big Five bank rate of 4.49 per cent.
  • SDI - lender tactics to be wary of
    • All businesses need to make money. Even nonprofits need to cover expenses to continue to offer their nonprofit services. But sometimes lenders can use language that borrowers need to be wary of.
    • With [BMO PaySmartTM,] turn your purchases into manageable interest-free payments with a low monthly fee. 1, 2
    • The above sales message suggests that you can achieve interest free payments. But relabelling a cost as a monthly fee instead of interest is in my opinion deceptive. Yes, lenders need to run a business profitably. And consumers, of course want to minimize their total net costs.
  • SDI - Process, not outcome
    • Annie Duke book
    • Se13, b10, Tom Bradley
      • A player can take a high-percentage shot and miss or a lowpercentage shot and make it. The outcome doesn’t make the missed shot a bad decision or the made shot a good one. Over the course of a season, teams taking better shots win and players hoisting hope shots end up on the bench. Successful coaches and investors focus on what they can control. They put the odds in their favour and let randomness and luck even out over time.
  • Investment upgrades
  • Research asymmetric investment opportunities
    • With US and global stock markets nearing all time valuation highs, please do a deep research on the most effective asymmetric investment strategies for average investors, where the upside return is asymmetrically higher than the downside risk. Categorize strategies based on simple versus complex. Be sure to include long term strategies like LEAPs and other innovative solutions. I am aware that this relates to the controversial topic of market timing, but eventually markets do revert to the mean.
    • https://chatgpt.com/c/68d0c38b-97c8-8321-bd83-4309db84eaa1
  • Equity Market Focus: Interrogating the Historical Data
  • Smart debt Insight period The biggest overlooked Factor And your financial success or failure Period luck period
  • Smart debt insight. Best sources for financing:
    • HELOC, even better is five year variable rate, currently 1.2% cheaper.
  • SD Messaging and SDI
    • Attitude is everything. Goal, plan, action. Is this important enough to be on homepage, or at least a core part of the process towards Financial goals.
  • SDI - Greatest factor for investors since 1980
    • Dropping and ultra low interest rates… impact, demographics, probable future
  • SDI Series - the Power of Questions to Accelerate your Wealth
    • Explain importance, per Tony Robbins
    • Create groups of questions for different profiles and goals
  • SDI - Buy or Rent Home
    • For most people, a mortgage is the largest debt of their life. Very important to objectively understand the math and more importantly behavioral factors in this life impacting decision.
  • SDI - The [paradox] of simple and boring
    • The Morgan Housel Podcast, 2025AU15, Investing: The greatest show on earth
  • SDI Series - market timing, leveraging, short and long term
    • CAPE , 2025 could be following by a decade low returns
  • Smart debt insight
    • See David Chilton’s The Wealthy Barber YouTube and titled snowball versus Avalanche which debt payoff strategy is best, around August 1st 2025, get transcript
      • Consider borrowing his explanation, as he often admits to doing
      • Agree with Chilton’s view that behavior is more important than which strategy is mathematically optimal. This is the essence of my view as well even though i, like Dave is a math geek
      • Check out his related YouTube on paying down debt versus invest first.
  • SD Insight
    • Rethinking mortgage debt
    • Rational reminder podcast 6
    • Good one
  • SD Insight
    • The Millionaire Next Door traits
      1. They live well below their means. Cash flow to invest
      1. They allocate their time, energy and money efficiently, in ways conducive to building wealth. -> strategic
      1. They are proficient in targeting market opportunities. Buy More Low
  • SMART DEBT support/validation (from Buffett)
  • Mammas Don’t Let Your Babies Grow Up To Time Markets
  • Insights article. Morgan housel podcast season 1 episode 78. How I think about debt. Possible title is a pragmatic View on debt by Morgan housel

  • SDW Investment Product Innovation

    Section titled “SDW Investment Product Innovation”
    • Appears that interest deductibility is limited annually to Investment income for USA investors, like in QC
    • Are there legal ways around that, perhaps inside and investment products with a corporate structure that flows deductible investment expenses through to investors?
    • Corporate class mutual funds in Canada
  • How can asymmetric reward versus risk be expressed in equities and leverage equities over long-term time periods versus shorter 1 year time. Try to find a unique metric for this.

SMART DEBT Coach (aka SDC, general)

Section titled “SMART DEBT Coach (aka SDC, general)”
  • Onboarding for SDC.com or apps
    • Slide to get started slider/button, stolen from Comet start screen
    • Slider arrow animated infinitely

  • SDC KSF - Usage DATA

    Section titled “SDC KSF - Usage DATA”
    • detailed, for different segments
    • Monitored
    • Guiding value upgrades

  • AI SDC solution?

    Section titled “AI SDC solution?”
    • Anything-LLM is an all-in-one desktop and cloud solution for turning documents into intelligent conversations. It specializes in RAG (Retrieval-Augmented Generation), meaning you can dump your PDFs, docs, and notes into it, and it will create a private chatbot that answers questions based strictly on your data. It’s a favorite for privacy-focused users and companies who want a local “ChatGPT” for their own internal knowledge base without leaking sensitive data to the public cloud.
  • Opportunity. Micro Apps.
    • Position with a More benefit, focussed name, creating a new category that attracts attention and viral spreading the word. Ask AI to innovate a better positioning category name.
    • Combining a sequence of my karups creates a mini app, and an app
  • Ask best AI, if any additional smart debt entity, enhancements can be made, perhaps changing the smart debt font properties to be slightly different than the entity names, or leave as is with the entity names being slightly thinner font. Also explore creating a vertical representation of smart debt coach, perhaps as done on my screensaver.
  • Strategy question to incubate on
    • How can AI enhance the offering and value delivered in the smart debt mission? Can it be part of progressive education and analysis. Can it provide easier access to answers as part of a digital smart debt coach offering. What other possibilities are there?
    • Also address the business risk of how ever improving AI tools can decrease the value of this specialized knowledge and how to reduce that business risk. Remember how great products like GPS devices became worthless after smart phones added that functionality.
  • Consider financial optimization analysis for personal situation
    • How might Sean help, perhaps in a confidential way?

  • $MART DEBT Coaching offerings

    Section titled “$MART DEBT Coaching offerings”
    • Keep knowledge base for AI Consulting private
    • Peter Diamandis, the founder of XPrize – who built an AI robot called Peter Bot, trained on his decades of writing and speaking
    • Also create subscription based coaching offerings.
      • For example, on consumer side, the AI coach could monitor better debt opportunities to reduce interest rates, refinance, etc., on investment side, could identify better personalized opportunities for unique risk to reward profile.
      • ask AI for other smart debt coaching subscription services that would be win-win.
  • SDC KSF - double benefit guarantee
    • Most smart strategies will be available to everyone free. All products and courses come with a simple, double benefit guarantee. If you are not confident that you can benefit at least twice as much as your investment, let us knokw and you will get a full refund and a thank you. Even speaking fees for workshops and client seminars have a guaranteed benefit. See details here. Not responsible for quantity of attendees. Hard costs like travel expenses are not included.
  • Problem. We are not taught about money, especially wealth acceleration strategies used by the rich.
  • Reality. Debt, good and bad, has a huge impact on your financial success.
  • Opportunity. Everyone should be aware of [the few negative risk] smart debt strategies that are guaranteed to benefit them. Most average investors should consider several low risk smart debt strategies that should benefit them. Everyone should only act on strategies that they understand with confidence.
    • There are over 20 SMART DEBT Strategies. Which ones can accelerate your wealth?

  • Phase one of smartdebtcoach.com

    Section titled “Phase one of smartdebtcoach.com”
    • simply announce that the smart debt coach, a recognized expert on responsible leveraging in Canada, is bringing his improved smart debt message to the us. Simple content includes my roadmap and plan for the mission, vision and more.
      • Opt in parameters, at this stage, include identifying the country, advisor versus investor, and optionally interest level, as I want to work closely with a few Inner Circle enthusiasts to advance this mission.
      • Include Home, FAQ page, About, Start Here,
      • Media page?
        • Under About
      • UX
        • How to handle site visitor segmentation
          • by country: Canada versus USA
          • by user type: advisor versus investor
          • optional
            • joining the smart debt community
              • interest level: modest, high, inner circle
          • Can these parameters all be handled in cookies or local storage of some form without logging in to a backend database — perhaps later upgrading to synchronize the local parameters with a backend system?
        • Include on-boarding wizard?
          • Who SDC serves, why, how
          • Address common disclosures, like privacy, use of cookies
          • Communicate intention of enhanced user experience via personalized and progressive education and guidance
          • Initial journey for advisor versus investor for each country
          • Roadmap, mission, pledge, …
          • How to submit questions and suggestions
          • …
  • Iterate on captivating hero section question
    • for smart debt coach website. The wealthy, businesses, and governments borrow to increase wealth. Should you? If so, how? Should you can probably be more benefit focused and intriguing. Perhaps along the lines of can you also accelerate wealth, or can you also benefit like the rich? Do deep research on Crafting the most effective attention getting elevator pitch and hero section attention getter. Be very clear on the target market and the real problem or pain point I am solving.

    • Advisor focused. Investor friendly.

      Section titled “Advisor focused. Investor friendly.”
    • Importance of focusing on process instead of outcomes, and thus smart debt blueprints
  • Web design strategy, key success factor, and challenge.
    • Having a minimalist design to be efficient and allow user focus on what is most important, while being a source of lots of valuable ideas. Want to model brevity like fireship.io and apple and others. Ask AI for practical solutions to this dilemma. My answer is Progressive education, where well-designed minimal communication allows users interested to go deeper on the ideas they value. Make it easy to get started and continue in small incremental steps create a user experience and journey that works with how human brains actually work.
    • Additional strategy is to allow user to specify personalized preferences, most importantly including the default detail level. Most will want a minimalist and Progressive initial experience. Power users might prefer more detail initially with the ability to still go deeper.

  • SDC visual persona

    Section titled “SDC visual persona”
    • I think that the hybrid approach of my human expert face to camera for introduction and high impact content, endorsing and explaining why I also use a stylized cartoonish “SMART DEBT Coach Avatar” character can achieve the best of both worlds with modest additional effort.
    • Extract best ideas from sessions with Gemini and GPT, five, including defining content, repurposing cycles, and other SOPs which increases value to future buyer of business.
  • Model fireship.io, for no face to camera format, High quality, fast-paced, concise and focused, effective visuals, minimal use of keywords, good branding
    • Also can model his use of different series. Topic X in 100 seconds, the code report.
    • His brief 100 seconds approach has been copied by others it is so successful. I could do the same for smart debt insights or smart debt strategies, or both.
      • Buy More Low in 100 seconds, … or 90 seconds, or 99 seconds, or 2 minutes, …

  • UI to model - Fast Card Carousel

    Section titled “UI to model - Fast Card Carousel”
    • used by Chess.com to suggest trying premium after reaching daily limit of puzzles. Could use a fast card carousel for other uses like showing benefits in the hero section.

  • Get book by Chris Voss, Knowledge Project #27

    Section titled “Get book by Chris Voss, Knowledge Project #27”
    • Apply Behavioral insights for business negotiations to Smart debt blueprints
    • Deep AI research on most effective behavioral psychological processes for influencing and helping in a client first way

  • Marketing Strategic Decision

    Section titled “Marketing Strategic Decision”

    • Create FREE SDC [Intro] eBooklet

      Section titled “Create FREE SDC [Intro] eBooklet”
      • Purposes
        • Top of knowledge, awareness, lead capture funnel
        • Start SDC benefit journey, get attention, start awareness, curiosity, small clear benefits, CTA links to Next Steps to learn more
        • Usable by advisors, unbranded free, branded for $
      • Compliance approved
      • for Canada, USA
      • Short, 5 minute read
      • Public version of industry white paper
    • Different lead magnets

  • Define SDC IP Content

    Section titled “Define SDC IP Content”
    • All, free, $, lead magnets
      • Books, booklets, pamphlets
      • eBooks, eBooklets, b-Books
      • Insights
      • Blueprints
      • Videos, [audios]
      • Apps, mini-apps, free, $
      • ..l
    • Mind Map format, or better
    • Define UX flows

  • SDC KSF - Develop from ICP Problems

    Section titled “SDC KSF - Develop from ICP Problems”
    • Not from my guesses at what they would value
    • But I am also doing this because the advisor industry and investing public are both unaware of the win win win opportunities. Thus a hybrid is probably best, where I clarify a vision and road map in a white paper and more, and let avid interested community members steer the next priorities to be developed and improved to world class levels.
  • Ed Rempel
  • SD Inner Circle
    • Ed Rempel
    • IG Superfan from Toronto
    • Dave Lush
  • Business risk from ai.
    • Fake impersonation of advice from the smart debt coach. This happened to the influencer, the plain bagel, on September 1st 2025. Fake AI videos impersonating him were promoting crypto strategies.
  • Please do a deep research on any barriers and threats to my SMART DEBT mission.
    • Specifically look into regulations, restrictions on an unlicensed person providing financial education. Note that I do not sell investment products. I am a researcher, educator and thought leader.
    • Deeply research any threats, and strategic solutions to address or mitigate these business risks, obvious one of lawsuits, particularly with an investment strategy that can go very badly.
  • Also share the advisor story about how about 10 years into doing advisor workshops, I noticed one advisor who was attending for the third time. I asked him in front of the group why he was here for the third time in only a few years, as I suggested that he could teach at least part of the workshop. As an experienced and probably top producing advisor, he shared that after learning the fundamentals well, what he was really after was the clear communication wording and metaphors that could help him more effectively communicate these ideas to his clients. He felt that if he gained only one good phrase for improving how he communicated these ideas, it would be wealth worth his time.
  • Create a baseline test of AI quality providing Financial advice, on Smart debt issues and a few other key financial concerns like retirement readiness, if someone should take CPP and OAS early or late, Etc
    • Run the same questions every quarter and log the results to show changes
    • This also serves to monitor the threat to my smart debt mission from AI Solutions. Include testing the capacity to do back tests and future projections generally for retirement issues and leveraged strategies.
  • SMART DEBT COACH AMA
    • Ask me anything, submit questions to be answered and shared in weekly Newsletter or better name
  • Wikipedia page on smart debt strategies
    • Categorize and name them
  • Submit smart strategies suggestions or improvements
  • Do same for inner circle advisors
  • SDC.com website
    • User experience. Step one on homepage should immediately categorize site viewer, as either a financial advisor interested in increasing business in Client First ways, or investor wanting to accelerate wealth like the rich do, or other. Preface with one liner about the mission and focus.
  • Consider Speaking directly to US Regulators about the vision Of How Leveraged education Could be Client first. What is the vision That they would support As beneficial Client education and implementation for boring to invest?
  • Explore synonyms for visualization, in … See your personalized “If I had used $MART DEBT” visualization.
    • snapshot
    • illustration
    • summary
    • impact summary
  • HaF
    • After achieve WOW for initial pilot users, add effective friend referral system

  • Marketing before US penetration

    Section titled “Marketing before US penetration”
    • Research with AI
    • Book reviews, ratings for SDC, myths
      • Amazon
  • ebooks
    • Add QR codes
  • Why client first Is the only Is this model that works in the long term Per Because of the Possible Relationship Outcomes Of win-win comma win lose comma lose win comma lose lose comma Only win-win Is sustainable In the long term period We must As an industry And A dealer And as an advisor Will be in business medium and long term comma There is And optimal strategy And that is win-win And that means Client first Period
  • Duncan mcpherson, was a coach to financial advisors in US

Strategy

Section titled “Strategy”
  • Learn about RSS, and how it might be useful for a content creator, and specifically my smart debt mission of educating the world about smart debt strategies
  • Polar instead of Stripe
  • Read “Build Something People Actually Want With This AI Co-Founder“ by Akhil Kumar on Medium: https://blog.venturemagazine.net/build-something-people-actually-want-with-this-ai-co-founder-6d469d7a2b7c
  • Structure for storing product and and offerings. Should I use astral collections on Astro websites, or is there a better single source of Truth that allows easier access to automated workflows, interacting with QuickBooks Online for accounting, and more?
    • I do not want to over engineer systems and should keep things simple and flexible to allow upgrades to more automated workflows in the future. While I like the learning and challenge of building systems, I should stay focused on creating valuable ideas and solutions for my mission.
  • Explore partner proposals
    • for both Max rrsps and simple ideas to increase savings
    • create simple effective micro apps to illustrate and quantify benefits of each. Could release both with next steps to link to the other.
    • After revised websites are up
    • Design from start to accommodate both US and Canada, in English
    • Partners could sponsor surveys to expose lack of awareness of these simple effective strategies, even among financial advisors
    • Money manager partners could survey advisors for their awareness, to illustrate opportunity for win win, especially those money managers who already allow automatic inflating of monthly savings plans
    • To benefit from (good) ideas (that help financially) …
      • work backwards from “benefit” result
        • Act on idea
        • confidence
        • understanding
        • awareness
  • The roadmap is identified in Tim’s podcast 817
    • Extract from transcript exact strategy for creating course content that users value most. Something like getting earlier doctors to identify the components or issues that they most valued by offering them parts of the course for free and giving them those parts
    • Another tactic for identifying the strategies and content that your target market value the most is to deliver live training but the subject before writing your book or writing your course. This live direct feedback is similar to the third approach of Simply testing the ideas and getting direct feedback.
  • book $100M Offers became a bestseller by showing founders how to design offers so good customers feel compelled to buy. His follow-up $100M Leads turned into a guide for scaling with precision rather than luck.
    • Get summary of key success factors from these books. Use them as one of the viable short-term business strategies for smart deck coach, focusing on Canadian advisor dealerships, especially at the broker and private Wealth Management levels.
      • Then work down to the mass Market advisor dealerships, based on the success of partnering with BMO and their 700 mutual fund advisors.
  • https://medium.com/startup-insider-edge/the-silent-death-of-saas-4-alternative-models-making-more-money-a5c9f72024ed
  • New pricing models, replacing SaaS
    • Usage based, instead of subscription based, like cloud services are billed
    • Results based Comma Tangible quantifiable Benefits Are delivered Comma At much higher Premiums
    • Lifetime access, instead of monthly subscriptions, for software services or Community membership
    • Expert as a service, monthly / yearly access to exclusive Inner Circle for ideas, brainstorming, more, and courses
  • Summary of Traction, by Geno Wickman
    • Get best ideas for AI automation
    • Process docs
  • Software KSF - Usage gap #use

  • Business models, foundational to strategy

    Section titled “Business models, foundational to strategy”
    • model Planswell model, as “marketing” service to advisors
      • Create mini app that generates if I had used smart debt visualizations, if prospect is interested, they can contact a smart debt certified advisor.
  • Strategy
  • The Startup Validation Framework That Predicted 15 Unicorns | by Marshall Hargrave | Jun, 2025 | Medium
    • excellent framework for bus strategy!
    • #model
  • Why I Spent 4 Years Building a Platform That Lets Anyone Trade Like Wall Street | by Austin Starks | Jun, 2025 | DataDrivenInvestor

  • Mission Productivity: Invert Activities

    Section titled “Mission Productivity: Invert Activities”
    • Development > Marketing > Planning > Learning > Admin
    • Dev 9:30-12:30, + 2 hrs
    • Marketing 1:30-3
    • Learning after 5p
  • Internationalization
  • 8 Startup Ideas That Keep Trending on Reddit (With Analysis) | by Marshall Hargrave | May, 2025 | Medium
    • Number one opportunity is an AI enhanced personal financial manager, that automatically optimizes financial results,, addressing the pain point of reducing anxiety.
  • How To Leverage Niche Marketing Without Having One
  • App business model
    • Canva introduced:
      • Free tier with substantial features
      • Pay-per-use for premium elements,
      • Team pricing based on actual usage
    • Micropayments for premium actions
  • AI business plan maker, free
  • KSF - Eliminate Deal breakers
    • Focus on removing reasons to not do business, instead of reasons to do business
  • When You 10X Your Firm To $20M… And Want To 10X Again
    https://www.kitces.com/blog/cameron-passmore-pwl-capital-10x-revenue-growth-advisory-firm/
    • Cameron Passmore. Cameron is the CEO of PWL Capital

    • Marketing KSF

      Section titled “Marketing KSF”
      • Cameron’s firm managed to generate over 1,100 inbound leads resulting in more than 200 new clients in just the past year driven primarily by its thought leadership content (including the Rational Reminder podcast, a YouTube channel, and white papers)
    • Cameron shares why his firm invested heavily into internal data management (including investing in an institutional quality “data lake”) not to reduce its technology costs, but rather to create tools that reflect the firm’s planning approach and the client experience it wants to create

Review (like Medium articles)

Section titled “Review (like Medium articles)”
  • https://medium.com/write-a-catalyst/three-pattern-skills-that-futureproof-your-year-edaf0bc5136d
    • Clip to obsidian. The skill of recognizing patterns, then taking advantage of them, then creating them is very powerful. For personal development, influencing, others, behavior, and business influence, including smart debt coach mission.

  • Yourmoneydegree.com

    Section titled “Yourmoneydegree.com”
    • Preet Benerjee, $297 course integrated with companion app
    • 62 video lessons, 4 hrs
    • Benefits
      • educates, helps apply (ACT on), Canadian specific, calculators/tools
      • “you’ll have a clear financial roadmap, a working budget, a debt and savings plan, an investment strategy, and a complete picture of your financial life, all built by you for your real life.”
      • 7-day guarantee (?)
      • 1 yr app access (?)
  • https://wowa.ca/
    • Canada’s personal finance and encyclopedia
  • Explore CreditKarma service
  • Scoop AI - Personalized news, curated by AI | AI-Powered Newsletter
    https://scoopai.net/

Personal Dev

Section titled “Personal Dev”

  • Growth. Challenge. Contribution.

    Section titled “Growth. Challenge. Contribution.”

  • Strategy for Happy, Loving Relationships

    Section titled “Strategy for Happy, Loving Relationships”

    • Other person relationship check

      Section titled “Other person relationship check”
      • Check if you would like being the OTHER person whenever you feel that your partner’s behavior is negative.
        • Is your attitude (feeling) focused on a successful relationship (respecting two people) or self centred?
        • If you would not like receiving your thought or behavior as the OTHER person, who should change?
      • This simple check can directly improve relationship issues involving…
        • forgiveness
        • emotional triggers and reactions (frustration to anger)
        • controlling
        • bullying, threatening
        • vindictiveness
        • how you feel about making the other happy
  • Your current life is a perfect reflection of your past thinking. Your future life will be a perfect reflection of your present thinking. Change your thinking, change your life.” — Ernest Holmes
    • What you focus on, what it means to you, what are you going to do about it?
  • Parents’ legacy video interviews
    • Existing AI tools can already reproduce realistic, audio, and video to match human references

  • An OS for Living Well: The Stoic Path

    Section titled “An OS for Living Well: The Stoic Path”
  • Waking Up - A New Operating System for Your Mind
    • Great site design
  • Sigi = Soegiarto Arifin
    • badminton friend
    • So-Gee-R-to R-i-fin
    • Aka Sigi, German name
  • 𝗕𝗶𝗼𝗴𝗿𝗮𝗽𝗵𝘆𝘀𝘁𝘂𝗱𝗶𝗼.𝗮𝗶 - for parents
    • An AI voice-based autobiography generation tool built with Replit by Brad Lindenberg.
    • Users share their memories via voice — about a figure, friend, family member, or themselves — and the platform generates their story as a written book, audiobook, or podcast. It dramatically reduces the cost and time of creating a biography, making it accessible to anyone who wants to preserve their life story.
  • Don’t Believe Everything You Think (Expanded Edition): Why Your Thinking Is The Beginning & End Of Suffering (Graduation Gift) (Books By Joseph Nguyen)
  • After Age 40, You Need to Stop Doing These Habits — That Speed Up Aging | by Dr. Nikita Singh | ILLUMINATION | Apr, 2025 | Medium
  • Insomnia solution
    • Drink before bed 2 tablespoons of apple cider vinegar and one tablespoon of honey in hot water. - from Tim Ferriss (knocked him out)

Obsidian

Section titled “Obsidian”
  • Obsidian power config
  • Obsid Plugins
    • Remotely Save
      • The Remotely Save plugin allows Obsidian users to sync their vaults with various cloud storage providers, including Amazon S3, Dropbox, OneDrive, Google Drive, and WebDAV. It supports both manual and scheduled synchronization, with options for end-to-end encryption to ensure data security. The plugin provides features such as skipping large files, custom exclusion rules, and basic conflict detection. Advanced features, available in the PRO version, include smart conflict handling and support for additional cloud providers. Users can sync across multiple devices and platforms, including mobile, using cloud services as intermediaries.
    • The QuickAdd plugin is a game-changer for Obsidian users who crave efficiency and productivity. It combines four powerful tools - templates, captures, macros, and multis - to help you streamline your note-taking process. With QuickAdd, you can create custom workflows that automate tasks, such as creating new notes with pre-defined templates and content, adding links to specific files, or even chaining together multiple actions for complex workflows. The plugin’s syntax is similar to Obsidian’s template syntax, making it easy to customize and extend your workflow. Whether you’re a power user or just looking to boost your productivity, QuickAdd is definitely worth exploring.
  • Obsidian
    • Get and implement the AI Studio app built in the YouTube title How I build apps with Google AI Studio, by wunderlutes. The app idea inbox efficiently captures ideas into an obsidian knowledge base. With a progressive web app.
  • https://medium.com/lets-code-future/fabric-so-review-after-2-months-the-ai-brain-i-didnt-know-i-needed-3f66e87659bf
    • Obsidian knowledge base, second brain alternative
  • Obsidian MCP
    • https://github.com/MarkusPfundstein/mcp-obsidian
    • Obsidian-MCP connects your AI assistant to your Obsidian knowledge base, bringing your notes, documentation, and project insights directly into coding sessions, via the Obsidian rest API community plugin
  • Please help me set up Obsidian web clipper, with templates
    • YouTube Summary
    • Medium Summary
    • General Summary
    • Might be community templates for these
  • automation processing lists of each
    • load list via clipboard?
  • Web Clipper
    • get summaries from d-squared YouTube content.

Writing

Section titled “Writing”
  • Writing
  • Smart debt writing style guide, that guides all AI content creation. Model the clear and concise style of Warren buffett, Morgan housel, and perhaps a few others, with my content creation Style as tertiary at best. Also highly value the ethics and principles already established in my knowledge base, balanced with the need to achieve my mission by being effective in marketing, specifically the importance of both distribution, and effective titles and more to get attention.
  • Ai prompts to improve Writing, Instead of ‘rewrite’
    • Reframe Comma Expand comma Clarify comma Simplify Comma Formalize comma Informalize Comma Humanize Comma amplify Comma Condens Comma modernize

  • Writing

    Section titled “Writing”
    • Analogies for clear memorable communication
      • Create effective refined analogies to illustrate leveraging and Client First leveraging
      • Leveraging. The best analogy I am aware of for leveraging is driving a vehicle instead of biking or walking. To get to your geographical or physical goal, most people fundamentally have a few choices. 1. You could walk. Simple, safe, available to almost everyone. But slow. The investment equivalent would be using guaranteed Investments. No short-term risk, but you might not get to your desired destination. Two. You could use a bike. Meaningfully Foster, but there is a risk of injuries. The investment equivalent would be equities, higher returns generally to get to your destination faster, but real risks exist. Three. Most can use a vehicle to get where they want to go significantly faster. But using a vehicle results in the highest levels of risk, including Serious injury and even death. The investment equivalent is leveraging, or borrowing to invest. Returns are magnified, not increased good returns are made better, and because risks are also magnified, bad or negative returns are made much worse.
      • Address the area of affordability or accessibility. Walking and guaranteed Investments have no cost and thus are available to everyone. A bike requires a modest investment, hello cost. I would suggest that effective investing in equities requires a modest investment in understanding, management, and discipline. Using a vehicle, especially one that you own, requires a much higher cost and thus is not an option available to everyone. With leveraging, there are is also a much higher Financial qualification hurdle. Generally you can only borrow from A lender who is confident you will pay them back. This requires either a stable income or assets that can provide collateral for the loan. Additionally, for effective leveraging, there is a much higher investment in understanding, management, and discipline. For these reasons, and the reality that the wealthy generally more actively seek more advanced wealth building strategies, leveraging is typically a strategy most often considered and used by the rich.

Dev

Section titled “Dev”

Cancer

Section titled “Cancer”

  • Cancer pledge enhancement tactics

    Section titled “Cancer pledge enhancement tactics”
    • From November 12th to December 31st 2025 donations up to 500,000 in Terry Fox’s name are doubled thanks to generous sponsors. Should time my cancer pledge donation to double up via this approach, perhaps donating annually to maximize double up if this pattern is consistent.
    • Donate in most tax efficient manner, including donating shares of public Securities rather than cash to eliminate capital gains taxation and creating a donation tax credit deductible for the corporation
  • Cancer journey
    • Create detailed logs
    • When saw 10 yr old …
  • Cancer journey
    • Create detailed logs
    • When saw 10 yr old …
  • Smart debt coach pledge narrative
    • Interviewer asks tell me about the pledge. What is it about and why 50%? That seems very generous. Answer. For starters, I am very fortunate, and extremely grateful. Both in terms of when and where I was born, I deserve no credit, but these were key to me surviving cancer. If I had been born just 40 years earlier, we would not be speaking now. And while Canada’s Healthcare System can be improved in many significant ways, it is still one of the best in the world, and is available free for all Canadian residents. In my case, my out-of-pocket costs were about $200, mostly for parking. In the late stages of my successful stem cell transplant, one of the nurses revealed that the cost of my Cancer Care up until that point was about $440,000. So I have many thousands of reasons to be grateful, and I feel a genuine commitment to both pay that back to society, and pay it forward. One of the most rewarding things I can do as a result of this pledge, is not just donate millions of dollars to advance cancer research, I am also hoping the pledge inspires others business owners and philanthropists alike, to model this approach of publicly declaring that future endeavors are for the win-win purpose of both adding value and contributing to some worthwhile cause like improving Healthcare. I look forward to the day when someone here’s about my smart deck coach pledge and contacts me to inform that the idea Inspire them to do the same, to publicly declare a similar pledge. If this pledge results in only saving two lives that go on to do something similar, I will consider it a huge success. To that end, there is a pledge forum where people can share their stories., at smart debt coach.com/pledge.
      • Ensure narrative includes the phrase, both pay it back, and pay it forward. This is a simple memorable quotable.
      • From a simple math perspective, if 2022 cancer treatment did not keep me alive, I would have zero more days to enjoy life and my beneficiaries would have zero additional dollars from my efforts past that experience. So realistically, 100% of my days are a bonus and any additional money that results from my smart debt mission is also a bonus to my beneficiaries,. And consider the other hoped for possibility. If my focus was actually self-centered, if my mission results are increased because this pledge initiative is shared by forums and people like you enough, 50% of a larger pie is bigger than a 100% of a smaller pie. This is fundamentally the same reason that startup businesses take on Venture partners. They realize that combined with others money and networks, each side ends up with more. A classic win-win-win.
  • Improved cancer processes
    • Nurse Navigators have been added to do what Theresa did to follow up faster processing of biopsies.
    • Positive biopsies are now automatically routed to the cancer team, as I initially suggested.
    • But Dr. Barghi is getting discouraged by the lack of progress.
      • IT measuring the impact of these changes is absolutely wrong.
      • His analogy is trying to fix a plane while it is in the air. The system is so big and complex that it can’t stop moving forwards to allow meaningful changes or fixes.

Uncategorized

Section titled “Uncategorized”