Millionaire: AMA

[Seth Walsh]

where u live at

 

[Seth Walsh]

How do I cope that my life is worth less than an average 3 bedroom terraced house in terms of economic output? We are all just surplus now, fighting over what little is left.

I am certainly not considering to stay put because that’s certain failure. It does not make sense on any level. It’s fine while I’m waiting to finish paying off genetic debt by surgery because I have nothing else to do and any “fresh starts” need to not be disrupted by the social faux pas of having cosmetic surgery anyway.

I had to do a 5 year degree just to get into this shitty career as well. The opportunity cost from trying to pivot into a completely new field at 32 is colossal. I’m well aware I have no monetisable skills. Nobody just pivots into something completely new to them and starts making 6 figures in a year. And if they did, it’s 0.01% survivor bias. Success takes hard work over a long time and compounds.

I no longer have time for compounding. I’m 32. By the time I made any meaningful progress on a pivot I’ll be completely past it SMV-wise and it’s all irrelevant then anyway - might as well just rot and play games. I’m not a materialist, “stuff” won’t make me happy.

I get why that comparison hits, but “house price = human worth” is a broken metric. Property prices reflect scarcity, credit, and policy. Your value isn’t a line item of economic output.


I also don’t buy “we’re all surplus.” The middle gets squeezed, yes, but that means you have to move toward arenas with real demand and clearer reward.


A pivot at 32 doesn’t have to be a total reset. The highest‑odds move is an adjacent shift that reuses what you already have, then stacking one or two hard, marketable skills on top. Not “6 figures in a year,” but “measurably better in 6–12 months.”


The surgery stuff doesn’t need to be framed as “genetic debt” or a reason to pause your whole life. Handle it, but don’t let it become the organizing principle that freezes everything else.


And the SMV clock thing is a trap. Tying your whole future to that lens will push you into nihilism. You can improve career, body, and social life in parallel; none of it requires waiting for a perfect “fresh start.”


Money won’t make you happy, but autonomy, competence, and momentum will. Rotting and gaming is a decision, not a destiny.

 

[iblamechico]

The last thing I'd do is say "I'm a millionaire to someone".

Yeah that'd be weird. I'd just say "I'm a millionaire."


Also, thoughts on CS major career fields?

 

[Van]

title

In your opinion what professions are the most future proof and worth pursuing

 

[Elegant]

any drugs that have helped you throughout the process?

 

[thekidd8]

1. Can you say in what industry you made your wealth in?

2. What avenues of investment do you see as having the most potential for growth in the next decade.

 

[dawooddX]

How do I cope that my life is worth less than an average 3 bedroom terraced house in terms of economic output? We are all just surplus now, fighting over what little is left.

I am certainly not considering to stay put because that’s certain failure. It does not make sense on any level. It’s fine while I’m waiting to finish paying off genetic debt by surgery because I have nothing else to do and any “fresh starts” need to not be disrupted by the social faux pas of having cosmetic surgery anyway.

I had to do a 5 year degree just to get into this shitty career as well. The opportunity cost from trying to pivot into a completely new field at 32 is colossal. I’m well aware I have no monetisable skills. Nobody just pivots into something completely new to them and starts making 6 figures in a year. And if they did, it’s 0.01% survivor bias. Success takes hard work over a long time and compounds.

I no longer have time for compounding. I’m 32. By the time I made any meaningful progress on a pivot I’ll be completely past it SMV-wise and it’s all irrelevant then anyway - might as well just rot and play games. I’m not a materialist, “stuff” won’t make me happy.

ik how this sounds but

andrew tate got rich at 35

 

[kranerman23123]

how come are you "successful" and made it out and still rot here making AMA every other week

Successful people have more free time not less gotta fill it in somehow

 

[Seth Walsh]

In your opinion what professions are the most future proof and worth pursuing

blue collar maybe

 

[Seven]

Chase more girls

no like genuinely at teenage what are the things you would do that would guarantee a successful future

 

[HundredManSlayer]

best qualities and traits for success in this modern day?

 

[Seth Walsh]

no like genuinely at teenage what are the things you would do that would guarantee a successful future

tbh nothing will guarantee anything. work hard play hard. idk what else to say

 

[Seth Walsh]

best qualities and traits for success in this modern day?

adaptability, discipline, competitiveness in the right arena

 

[Deleted member 295760]

how to start

 

[Seth Walsh]

how to start

Have a plan, then start. One day at a time

 

[greycel]

I'm no joke. Not putting serious because it's 2026 and people need lifefuel.

My character is designed for max traction. But I still engage in useful conversations with non trolls.

Wouldn't motivation be better then?
Considering people were making their resolutions only a week back..
You'd be hooking in their subconscious

Anyways, I've got a few questions.

1. Do you currently utilise AI, and if so how much relative to others in your line of work and how much relative to other industries?
2. Do you fear AI will cap you in the coming years? Or will it do the opposite?
3. Will what you invest in change (outside of stocks/crypto), and if so, why + what will it be?

 

[LTNUser]

@urban legend this guy finally made an AMA thread

 

[Deleted member 284650]

@urban legend this guy finally made an AMA thread

hes indeed very mog

 

[Seth Walsh]

Wouldn't motivation be better then?
Considering people were making their resolutions only a week back..
You'd be hooking in their subconscious

Anyways, I've got a few questions.

1. Do you currently utilise AI, and if so how much relative to others in your line of work and how much relative to other industries?
2. Do you fear AI will cap you in the coming years? Or will it do the opposite?
3. Will what you invest in change (outside of stocks/crypto), and if so, why + what will it be?

Yeah I use AI a lot. It's getting so powerful, so it's good to be able to use it well.

Won't cap me. It will just be used as a suppression tool in institutions that already offer no real upside career trajectory (i.e., titles, stepwise pay, delays, "next cycle you'll be promoted"... Power among the already powerful and technically incompetent will be amplified, by AI). AI as a narrative and control tool. It won't necessarily do the opposite in competitive fields; employees tied to PnL/Risk/Equity will still have the same upside convexity. But AI will need to be implemented by all companies in some way to outcompete and scale with more capital efficiency.

Infact. AI will expose the pay supression vs real convex upside, across companies and industries. Implicit control mechanisms that were already structurally in effect for decades. AI won't give edge to just 1 competitive firm per field. It's be the same arms race, and high performers will not get capped.

Hmm probably just stocks for the time being. Trade crypto when there's massive undisputed macro trends in the markets. Tech/AI is my current bet. I'm not old enough to diversify.

When I'm decades older, I'll invest part of my portfolio into something that offers equity benchmark crisis convexity. I'm not interested in individual stocks. The compounding works.

 

[Nexom]

Hey @Seth Walsh, I wasn't very far from becoming a millionaire but I was too greedy and fucked it up. What helps you keep your financial composure, as in financial discipline? Also, what's your current view on homeownership relative to renting? What are some of the highest ROI lifestyle investments you've made? Lastly, do you have any sort of yearly health protocol or specific check-ups?

 

[Seth Walsh]

Hey @Seth Walsh, I wasn't very far from becoming a millionaire but I was too greedy and fucked it up. What helps you keep your financial composure, as in financial discipline? Also, what's your current view on homeownership relative to renting? What are some of the highest ROI lifestyle investments you've made?

Highest ROI lifestyle investment is treating income as capital to deploy (seeds to compound), rather than a lifestyle stipend.

Just forget about big wins from memecoins and all the variance, winning and losing. That's not growth. It's gambling. And you will always fuck up. It's not a personal fault, it's the eventuality. I made and lost crazy money in crypto almost a decade ago, just from altcoin trading etc.

That should not be the focus. You need to compound, in all areas of your life. Money isn't worth much to younger people and the temptation to try "get rich" just hijacks lack of risk tolerance and long horizon thinking.

 

[Nexom]

Highest ROI lifestyle investment is treating income as capital to deploy (seeds to compound), rather than a lifestyle stipend.

Just forget about big wins from memecoins and all the variance, winning and losing. That's not growth. It's gambling. And you will always fuck up. It's not a personal fault, it's the eventuality. I made and lost crazy money in crypto almost a decade ago, just from altcoin trading etc.

That should not be the focus. You need to compound, in all areas of your life. Money isn't worth much to younger people and the temptation to try "get rich" just hijacks lack of risk tolerance and long horizon thinking.

Read and bookmarked as a reminder, thanks. Also has edited my previous message with one more question

I'm kind of leaning away from crypto right now and working on building an actually decent business but it's going to take at least a year before real profit becomes a thing. When you mention compounding you're talking about it in a general sense, right? I'm thinking of hiring with intent, but I know hiring doesn't necessarily equal to compounding if not done properly.

What about the homeownership question?

 

[Eskorbutin]

I got 1k to spare what do?

 

[gymcel64]

does buying all your assets (etfs etcs stocks bonds futures options etc..) on the same exchange save (even if they are not the exact assets you’re looking for but are very similar) a lot of money compared to buying them on different exchanges where you’ll pay connection fees every year ?
On the long term (10+ years)

 

[zygo21113]

title

How are you a millionaire ? And if you are why are you here

 

[Seth Walsh]

does buying all your assets (etfs etcs stocks bonds futures options etc..) on the same exchange save (even if they are not the exact assets you’re looking for but are very similar) a lot of money compared to buying them on different exchanges where you’ll pay connection fees every year ?
On the long term (10+ years)

Nah what matters is total expense ratio (TER) on index funds you buy. So are you paying 0.03% to hold the SPX or 2% per year? Go Vanguard, Blackrock spydr, Invesco QQQ or whatever and you should be fine. The passive management fees are what will erode. Get into the market whenever. ETF and Index funds are so well priced anyway due to prop firms arbitraging the basket of underlying stocks against the traded funds themselves. So I would not worry about slippage or orderbook mechanics.

For single stocks. Doesn't matter, if you're gonna hold them what's the panic around fill quality? Just place a market order whenever you invest. Heck; automate it. The main thing is to stay away from Financial Advisors who'll skim far more fees offering you the same exposure as something like VOO or VUSA

 

[Seth Walsh]

I got 1k to spare what do?

Don't know man, whatever you want. Do you need to spend it?

 

[Seth Walsh]

Read and bookmarked as a reminder, thanks. Also has edited my previous message with one more question

I'm kind of leaning away from crypto right now and working on building an actually decent business but it's going to take at least a year before real profit becomes a thing. When you mention compounding you're talking about it in a general sense, right? I'm thinking of hiring with intent, but I know hiring doesn't necessarily equal to compounding if not done properly.

What about the homeownership question?

Compounding means ensuring you're payoff will get more asymmetrical the more time you sink into a capital venture. If you know the concept of convexity. Basically just aim to engineer a slope that has some exponential payoff, rather than staying with a business that costs everything just to keep alive.

Homeownership I don't know it's very situation dependent. A home is an asset, and rent is a liability. But no one can "just afford a home". So the realistic truth is that most people will have to rent and keep their income higher than their burn until they can afford to buy a home. But having a home also keeps you locked to 1 location, so remember that. Meaning your career and life will have to have a homebase.

I think it's probably smart for ambitious people to not rush into buying a house.

You can compare it like:

Mortgage: Funding future equity. Monthly payment goes towards future ownership
Rent: Money out the window.

But there's a lot of nuance. Only buy a house when really ready. You're gonna want to be settled down. Engaged, married etc.

I might make a thread on the brutality of owning a home, then getting divorced young. Then you're stuck with mortgage payments, alimony etc. Sunk time. You gotta really be convinced it's time to establish a homebase if you wanna buy a house, it's not just about being able to afford it.

Real high IQ people will rent when interest rates are low, for a very long time, even when they could afford to buy a house outright. All depends. Not just economic considerations.

 

[Seth Walsh]

How are you a millionaire ? And if you are why are you here

Low effort Q. Idk what to say

 

[iblamexyz]

title

mogs me for having money

 

[notagreycell]

title

If you are a millionaire gift me vip for 1 month because 15 bucks is like 0.01 cents for you

 

[notagreycell]

whays AMA????????

Low iq spotted

 

[notagreycell]

mogs me for having money

Mogs me for being able to type