Pinned
Jan Klosowski
@klos.bsky.social
· Dec 6
At +50% passive, it's crazy, but if it ever reaches 85%, it'll be interesting to see what that means.
Right now, value investing still works for stocks not included in major indices. For those in the top 100, the P/E ratio has become useless.
janklosowski.substack.com/p/index-inv...
Right now, value investing still works for stocks not included in major indices. For those in the top 100, the P/E ratio has become useless.
janklosowski.substack.com/p/index-inv...
Next year in AI:
"Claude, do you have any task for me today?"
"Claude, do you have any task for me today?"
February 11, 2026 at 2:12 PM
Next year in AI:
"Claude, do you have any task for me today?"
"Claude, do you have any task for me today?"
Don't implement paywall, and referral program before there are users that love the product.
February 10, 2026 at 2:48 PM
Don't implement paywall, and referral program before there are users that love the product.
Building an anti-AI portfolio?
Your network is the first asset.
People you can reach directly.
No algorithm in between.
Your network is the first asset.
People you can reach directly.
No algorithm in between.
February 9, 2026 at 2:45 PM
Building an anti-AI portfolio?
Your network is the first asset.
People you can reach directly.
No algorithm in between.
Your network is the first asset.
People you can reach directly.
No algorithm in between.
If you think in the future you'll be managing a team of AI agents, I have bad news:
AI is also better at managing such a team.
White-collar jobs have existed for less than 100 years. It was just an episode. If you still have one, start preparing for the transition. It's here.
AI is also better at managing such a team.
White-collar jobs have existed for less than 100 years. It was just an episode. If you still have one, start preparing for the transition. It's here.
February 8, 2026 at 2:49 PM
If you think in the future you'll be managing a team of AI agents, I have bad news:
AI is also better at managing such a team.
White-collar jobs have existed for less than 100 years. It was just an episode. If you still have one, start preparing for the transition. It's here.
AI is also better at managing such a team.
White-collar jobs have existed for less than 100 years. It was just an episode. If you still have one, start preparing for the transition. It's here.
Money is a 50-thousand-year-old abstraction layer on top of a 500-million-year-old game of status.
February 7, 2026 at 5:11 PM
Money is a 50-thousand-year-old abstraction layer on top of a 500-million-year-old game of status.
My biggest takeaway after weeks of working with the freshly open sourced codebase of Deltabadger:
Don't add business logic before people love the product.
You'll focus on what matters, and Claude will love the small context window.
Don't add business logic before people love the product.
You'll focus on what matters, and Claude will love the small context window.
February 3, 2026 at 2:43 PM
My biggest takeaway after weeks of working with the freshly open sourced codebase of Deltabadger:
Don't add business logic before people love the product.
You'll focus on what matters, and Claude will love the small context window.
Don't add business logic before people love the product.
You'll focus on what matters, and Claude will love the small context window.
Both humans and agents struggle on the web because the web is adversarial: CAPTCHAs, 2FA, paywalls, cookie banners.
With modern processors and AI there's a strong case to bring more compute back to personal devices.
It feels fast and you own your data.
With modern processors and AI there's a strong case to bring more compute back to personal devices.
It feels fast and you own your data.
February 2, 2026 at 2:45 PM
Both humans and agents struggle on the web because the web is adversarial: CAPTCHAs, 2FA, paywalls, cookie banners.
With modern processors and AI there's a strong case to bring more compute back to personal devices.
It feels fast and you own your data.
With modern processors and AI there's a strong case to bring more compute back to personal devices.
It feels fast and you own your data.
Do you remember when QR codes were mocked as too nerdy?
10 years later, they're everywhere.
What is the QR-code-like tech today?
10 years later, they're everywhere.
What is the QR-code-like tech today?
February 1, 2026 at 2:44 PM
Do you remember when QR codes were mocked as too nerdy?
10 years later, they're everywhere.
What is the QR-code-like tech today?
10 years later, they're everywhere.
What is the QR-code-like tech today?
HOT TAKE: The business bloat makes products worse.
After opensourcing Deltabadger I removed paywalls, subscriptions, referral programs, CAPTCHA, 2FA, proxy servers, REDIS, legacy code for 10 old-time users…
UX shines. Claude loves the new smaller codebase and access to SQLite.
After opensourcing Deltabadger I removed paywalls, subscriptions, referral programs, CAPTCHA, 2FA, proxy servers, REDIS, legacy code for 10 old-time users…
UX shines. Claude loves the new smaller codebase and access to SQLite.
January 31, 2026 at 8:13 PM
HOT TAKE: The business bloat makes products worse.
After opensourcing Deltabadger I removed paywalls, subscriptions, referral programs, CAPTCHA, 2FA, proxy servers, REDIS, legacy code for 10 old-time users…
UX shines. Claude loves the new smaller codebase and access to SQLite.
After opensourcing Deltabadger I removed paywalls, subscriptions, referral programs, CAPTCHA, 2FA, proxy servers, REDIS, legacy code for 10 old-time users…
UX shines. Claude loves the new smaller codebase and access to SQLite.
If you build an anti-AI portfolio, start with your network.
Direct human connection is the new scarcity.
Direct human connection is the new scarcity.
January 31, 2026 at 2:43 PM
If you build an anti-AI portfolio, start with your network.
Direct human connection is the new scarcity.
Direct human connection is the new scarcity.
If someone still pays for your labor: invest in tech stocks.
They're building your replacement.
Owning the builders is your counter.
They're building your replacement.
Owning the builders is your counter.
January 30, 2026 at 8:17 PM
If someone still pays for your labor: invest in tech stocks.
They're building your replacement.
Owning the builders is your counter.
They're building your replacement.
Owning the builders is your counter.
Oxygen is essential for survival yet costs nothing.
It's not utility that creates value, but scarcity.
3 years ago code was scarce.
Today code is oxygen.
It's not utility that creates value, but scarcity.
3 years ago code was scarce.
Today code is oxygen.
January 30, 2026 at 2:46 PM
Oxygen is essential for survival yet costs nothing.
It's not utility that creates value, but scarcity.
3 years ago code was scarce.
Today code is oxygen.
It's not utility that creates value, but scarcity.
3 years ago code was scarce.
Today code is oxygen.
Crypto "thematic ETFs" are here.
Deltabadger can now invest into 165 indices, and it's open-source.
I need some times for tests before it can go big, but you can download and use it today.
Deltabadger can now invest into 165 indices, and it's open-source.
I need some times for tests before it can go big, but you can download and use it today.
January 29, 2026 at 8:18 PM
Crypto "thematic ETFs" are here.
Deltabadger can now invest into 165 indices, and it's open-source.
I need some times for tests before it can go big, but you can download and use it today.
Deltabadger can now invest into 165 indices, and it's open-source.
I need some times for tests before it can go big, but you can download and use it today.
What can you create that AI can't generate from a prompt?
January 29, 2026 at 2:49 PM
What can you create that AI can't generate from a prompt?
The works/save/retire playbook is dead.
Two paths in the acceleration era:
If you have ideas: build.
If you don't: invest.
Two paths in the acceleration era:
If you have ideas: build.
If you don't: invest.
January 28, 2026 at 8:14 PM
The works/save/retire playbook is dead.
Two paths in the acceleration era:
If you have ideas: build.
If you don't: invest.
Two paths in the acceleration era:
If you have ideas: build.
If you don't: invest.
So you built your dream idea with a prompt.
Cool. Now you can finally meet the actual opponent:
Why should anyone care?
Cool. Now you can finally meet the actual opponent:
Why should anyone care?
January 28, 2026 at 2:41 PM
So you built your dream idea with a prompt.
Cool. Now you can finally meet the actual opponent:
Why should anyone care?
Cool. Now you can finally meet the actual opponent:
Why should anyone care?
In the past, you often felt you didn't have the skills required, or the funding. In 2026, you can do anything, but you ask yourself if the idea is good enough or how to reach your audience. janklosowski.substack.com/p/your-idea...
January 27, 2026 at 8:17 PM
In the past, you often felt you didn't have the skills required, or the funding. In 2026, you can do anything, but you ask yourself if the idea is good enough or how to reach your audience. janklosowski.substack.com/p/your-idea...
Open source is brutal honesty:
6 years of camera footage from your home gym.
6 years of camera footage from your home gym.
January 27, 2026 at 2:41 PM
Open source is brutal honesty:
6 years of camera footage from your home gym.
6 years of camera footage from your home gym.
Coffee. Creatine. Claude.
January 26, 2026 at 8:11 PM
Coffee. Creatine. Claude.
If you grew up on "Ideas are cheap, execution is everything":
Wake up.
It's 2026. The playbook flipped.
Execution is cheap.
Ideas are expensive.
Wake up.
It's 2026. The playbook flipped.
Execution is cheap.
Ideas are expensive.
January 26, 2026 at 2:46 PM
If you grew up on "Ideas are cheap, execution is everything":
Wake up.
It's 2026. The playbook flipped.
Execution is cheap.
Ideas are expensive.
Wake up.
It's 2026. The playbook flipped.
Execution is cheap.
Ideas are expensive.
"Here's what most people miss" — the second most overused AI narrative pattern out there. If I see it in your post, you'll likely get muted.
Nothing personal.
I just like to talk with GPT directly without intermediaries.
Nothing personal.
I just like to talk with GPT directly without intermediaries.
January 25, 2026 at 12:19 PM
"Here's what most people miss" — the second most overused AI narrative pattern out there. If I see it in your post, you'll likely get muted.
Nothing personal.
I just like to talk with GPT directly without intermediaries.
Nothing personal.
I just like to talk with GPT directly without intermediaries.
I remember times when working from a coworking space in Thailand seemed like the best idea. I did it for three months, and learned that I'm more productive at my quiet apartment, where I can take a nap, or play guitar waiting for Docker to build containers.
January 19, 2026 at 2:47 PM
I remember times when working from a coworking space in Thailand seemed like the best idea. I did it for three months, and learned that I'm more productive at my quiet apartment, where I can take a nap, or play guitar waiting for Docker to build containers.
I had a small SaaS for the last six years, and most of the time even the most active users were completely quiet, until something stopped working.
Now, I open-sourced it, and the community activity went 10x despite the number of active users going down.
Open source is life.
Now, I open-sourced it, and the community activity went 10x despite the number of active users going down.
Open source is life.
January 16, 2026 at 12:28 PM
I had a small SaaS for the last six years, and most of the time even the most active users were completely quiet, until something stopped working.
Now, I open-sourced it, and the community activity went 10x despite the number of active users going down.
Open source is life.
Now, I open-sourced it, and the community activity went 10x despite the number of active users going down.
Open source is life.
Jokes about AI coding remind me of an old one from the '80s:
In a train, a guy is playing chess with a dog.
A woman sitting across from him watches in disbelief.
"Your dog is incredibly smart," she says.
The guy seems amused.
"Smart? Out of ten games, he lost nine."
In a train, a guy is playing chess with a dog.
A woman sitting across from him watches in disbelief.
"Your dog is incredibly smart," she says.
The guy seems amused.
"Smart? Out of ten games, he lost nine."
January 12, 2026 at 12:26 PM
Jokes about AI coding remind me of an old one from the '80s:
In a train, a guy is playing chess with a dog.
A woman sitting across from him watches in disbelief.
"Your dog is incredibly smart," she says.
The guy seems amused.
"Smart? Out of ten games, he lost nine."
In a train, a guy is playing chess with a dog.
A woman sitting across from him watches in disbelief.
"Your dog is incredibly smart," she says.
The guy seems amused.
"Smart? Out of ten games, he lost nine."
We are there. $MSTR mNAV 1.0.
If you want to buy, buy below.
If you want to buy, buy below.
January 7, 2026 at 8:16 PM
We are there. $MSTR mNAV 1.0.
If you want to buy, buy below.
If you want to buy, buy below.