The “We All Lose Together” Tech Stack
I am not a solo entrepreneur. I build with friends, because if we go down, we go down as a group. My role? I do the “fluffy stuff”—the vision, the vibes, and the UI. I have a few brilliant interns and engineers handling the backend (the stuff that actually breaks).
Here is the toolkit that lets me pretend to be technical:
1. The “Fluffy” Builders: Lovable & Google AI Studio
I use Lovable to build beautiful interfaces without crying over CSS. I use AI Studio to wire things up until they break, then I call an intern.
- *Role:** Frontend & Prototyping
- *Replaces:** My lack of patience.
2. The Brain Trust: Gemini & ChatGPT
I don’t hold meetings. I start two different chat windows and let the AIs fight it out. Gemini handles the complex context; ChatGPT handles the creative spark.
- *Role:** Strategy & Copywriting
- *Replaces:** A Board of Directors.
3. The Stylists: Whisk & Stitch
I thought these were sewing terms, but apparently, they are for design. I use them to make things look pretty so people assume the code is good.
- *Role:** Design & Aesthetics
- *Replaces:** Learning how to use Figma.
4. The Real Heroes: The Backend Team
The interns and engineers who look at my code, sigh deeply, and then fix it.
- *Role:** Making it actually work
- *Replaces:** Me sleeping under my desk.
The Money Stack: My Actual Portfolio
- Disclaimer: This is not financial advice. I am a guy who draws cartoons, not a hedge fund manager. If you copy this and lose money, please do not email me.*
I don’t have a complex 40-page investment thesis. My philosophy is simple: Money needs to work for me, not the other way around. When I stopped receiving a salary, I needed my capital to stop being lazy and start pulling its weight.
- *The Morgan Housel Rule:**
“Do not aim to be coldly rational when making financial decisions. Aim to be pretty reasonable.”
My portfolio might look irrational to a diverse wealth manager. But it aligns with my history, my understanding of the world, and my ability to sleep at night.
Here is the current 70/15/15 breakdown:
The “Sleep At Night” Allocation
1. The “I Know What I Know” Bucket (70%)
- *Asset Class:** Tech Stocks & Related Products
- *Why:** I spent two decades in this industry. I understand how these companies print money, how they lock in customers, and how hard it is to disrupt them. Yes, it is volatile. Yes, it swings. But betting against tech feels like betting against the future. I hold what I understand.
2. The “Rent Payer” Bucket (15%)
- *Asset Class:** Income Generating Funds
- *Why:** This is the boring money. It doesn’t try to moon. It just shows up. This portion is designed to generate cash flow to cover the basics—groceries, electricity, and coffee. It lowers the burn rate anxiety.
3. The “Touch Grass” Bucket (15%)
- *Asset Class:** Real Estate
- *Why:** Sometimes you need assets you can literally stand inside. It’s a hedge against the digital world disappearing (or my wifi going down). It’s slow, illiquid, and tangible. It anchors the portfolio in the real world.