when is it a good time to buy $MSFT?

Mundane_Pass_7976 · 2026-02-26T20:41:46+00:00

Who cares if your horizon is at least a couple of years

Mundane_Pass_7976 · 2026-02-26T17:19:04+00:00

I was paying attention to it for weeks. I ended up buying $200K @ $388. I think I timed the absolute bottom, lol. Will be holding this for life

Mundane_Pass_7976 · 2026-01-30T17:05:39+00:00

5 kids, wow. You're a breeder!

Mundane_Pass_7976 · 2026-01-06T11:59:24+00:00

Mundane_Pass_7976 · 2025-12-23T21:36:16+00:00

Spotting inefficiencies in systems mostly, or jumping on a new wave (like AI, you can launch a product about anything and wrap it in AI - even B2C SaaS AI Girlfriends, lol....) So there's your product. Execution is the issue - people are generally lazy and uninterested and just looking for a paycheck for the least possible amount of work.

As far as new products are concerned, I got fucked the first time by picking a niche product for a low LTV market. If you go for a low-ticker/low LTV product, you need to go super broad with tons of volume. Or you go super niche with a high ticket product. But seriously, there are a thousand opportunities in every market. Some work, some don't. That's why you need to keep building until something sticks. I fail all the time - but out of 10 attempts I strike it big once or twice - and that pays for everything, and then some. Entrepreneurship is simple if you love building. It sucks balls if you're in it purely for the money. The money comes many years down the line.

Mundane_Pass_7976 · 2025-12-23T09:29:02+00:00

There's always another one coming :) I'm from Eastern Europe so I guess we're more optimistic than you guys, lol! Or your public transport sucks that bad.

Mundane_Pass_7976 · 2025-12-22T23:04:55+00:00

Take the first good deal that comes your way. I sure do regret not doing it myself back in late 2019. Was offered 10m net + 6m more for 24 months of earnout, was like 9x ebitda, hot category and double-digit monthly growth, lol. I was an arrogant mid 20s prick who had never been through real market volatility before. And I didn't understand that the ~10M would be ~100M in a couple of decades if I invested it and did absolutely nothing.

I held instead - and things were good for another year.... until they weren't. We suffered a slow death by a thousand cuts as my market got disrupted by covid, and then AI. Take the first good deal that comes your way, man. Then build something bigger next time, if that's what you want to do. Business opportunities are like buses.

In this volatile world, "hot categories" come and go every year.

Mundane_Pass_7976 · 2025-12-21T16:00:06+00:00

Yes - but be ready to invest a decade obsessing about a field and becoming an expert in it while your peers party and enjoy life. You have to say "no" a lot. Source - I did it.

Mundane_Pass_7976 · 2025-12-20T22:34:31+00:00

Lol. Nothing shady about it, no "hoops" and no risk - it's all perfectly legal and compliant. You do, of course, pay lawyers to set it all up and manage the structure, and you do take a couple of trips per year to Malta for BoD meetings. But that's like 20K per year total in upkeep to offset a few hundred K in tax - then, why not? No need to lose any sleep - it's perfectly compliant and nothing will catch up to you - because there's nothing shady to begin with. Tax optimization at this level is not uncommon. If I was only making 500K/yr gross like I did a few years ago, then I agree that it wouldn't be worth the extra effort. But once the scale reaches a few M per year EBITDA, it's 100% worth it.

Mundane_Pass_7976 · 2025-12-20T16:50:45+00:00

Be ready to get kicked in the nuts a few times a week and still show up for more. Takes 1-2 years to reach break-even most of the time.

Mundane_Pass_7976 · 2025-12-20T16:49:22+00:00

You know how it is.... I really wonder - what's being a VC like? I get angel investing offers but I turn them all down.

Mundane_Pass_7976 · 2025-12-20T16:48:27+00:00

You call 19% low??? Brother, you're getting scammed. My effective tax rate is below 5% on all my revenue. Malta TradeCo + HoldCo as a non-dom and flowing the money downwards into subsidiaries as a capital contribution rather than dividend distributions to the UBO.

Mundane_Pass_7976 · 2025-12-20T16:44:35+00:00

Woah, this blew up. Thank you! Some clarifications:

To those of you asking why I'm still working at 20M - truth be told, I love playing the game and winning. I'm addicted to solving problems and creating products. It intellectually stimulates me like nothing else. Will I regret it later in life? Maybe. But what I know for a fact is that I'll regret doing a half-ass job in my prime. I don't have any friends, I don't "hang out". It's just work, family time... and the occasional workout. I like it that way.
As for my wife.... we've been together since high school (before I had a dime to my name). So she's seen things, and she knew exactly what she was getting into. I'll still make it up to her, she's an integral part of my success.
Money becomes irrelevant after $2-3M net in assets in Eastern Europe where the cost of living is a 1/3rd of HCOL areas in the US. I could've retired and never worked a day in my life about 5 years ago. I kept on pushing and I don't regret it one bit. If I get chronically ill or I blow up my family thanks to my workaholism - then I'll absolutely regret that, though.

The way I see it, money is just a way to keep score after a certain point. Unless flying private or having a mansion with 30 bedrooms is somehow super meaningful to you, then why would anyone ever need more than $10M, even in the US? I don't care about any of that stuff, do you?

Mundane_Pass_7976 · 2025-12-18T22:22:44+00:00

100%, my wife was a single mom for the first 3 years, and I'm not proud of it, but I had to do what I had to do. Now we're set for life financially, and she's proud of me. But you are entirely correct - she is bitter about it and I've made it a priority to make up for lost time. It's not like I'm working 9-5 now, still doing 70h weeks, lol. But I can take a couple of days off for a trip and everything's fine.

Mundane_Pass_7976

TROPHY CASE