This is why I say that Level 4 ($1M-$10M) is the no man's land of wealth. At some point you could work twice as hard and it barely makes a dent.

hey, actually if you moved here to work in AI, it's not "your hood". hope this helps! ❤

You can borrow $150,000 from Chase at 0% interest for 12 months, and on month 11 use American Express's money to pay Chase back so the 0% clock resets for another year The banks have a legal name for this and somehow it isn't fraud Every major bank runs a war with the bank across the street to steal borrowers with 700+ credit scores. Chase offers 12 months at 0% APR on the Ink Business Unlimited to pull you in. American Express offers 12 months at 0% on the Blue Business Plus. US Bank goes up to 18 months at 0% on the Triple Cash When you pull $150,000 across a stack of these cards and put the money into inventory, equipment, real estate, or client acquisition, you have 12 to 18 months before the promotional window expires and the 22% interest rate kicks in Most people panic around month 10 if their cash is still tied up in a deal Rich borrowers open a second round of 0% business cards on month 11, or trigger a 0% balance transfer check from a competing bank, pay the first set of cards down to $0 before day 365, and push the maturity wall out another 12 to 18 months The whole play costs a 3% to 4% transfer fee once a year Think about what 3% a year for $150,000 of working capital actually looks like. An SBA loan takes 4 months of tax returns, puts a lien on your house, and charges 10.5% interest. Hard money lenders want 12% plus 3 points upfront. Meanwhile two trillion-dollar banks will pay each other off for 3% a year because their computer algorithms are fighting for market share The catch is why 95% of guys who try this on their own get stuck on step one: 1. If you put that $150,000 on personal credit cards, your personal credit utilization spikes to 80%, your score drops 110 points in 30 days, and no second bank will touch you on month 11. The entire stack has to sit on business credit cards that stay off your personal Experian, Equifax, and TransUnion reports 2. The order you apply in decides whether you get $150,000 or get shut down at $12,000. Chase has the 5/24 rule and checks recent inquiries on Experian. Amex lets existing cardholders apply for business cards with a soft pull once the first card is open. US Bank and Wells Fargo look at different bureaus and give 3x higher limits if you park $500 in a business checking account 30 days before you apply. Capital One pulls all three bureaus at once, so applying there first ruins your file for everyone else Get the sequence right and your LLC holds $150,000 to $250,000 of bank money that rolls forward while your personal credit score stays above 740 If you have a 700+ credit score and want my team to build and sequence your 150K-250K 0% funding stack for you, book a call using the link in my bio

Daniel, you're conflating the engineers it takes to build AWS with the mid-wit code monkeys on H-1B in the IT departments of Walmart, Fidelity, and the rest. The latter far outnumber the former, and they are there for one reason: wage suppression across American IT.