After 2.5 years of ChatGPT dominating headlines, Matt, Soham and George dive deep into the biggest question in tech: 

Are we witnessing the next revolutionary technology or heading for another dot-com style crash?

What We Cover:

The AI Bubble Debate

• Why OpenAI makes $10B in revenue but still isn't profitable
• Johnny Ive's mysterious $6.8B device deal - innovation or insanity?
• How "wrapper" companies are getting billion-dollar valuations for prompt engineering

What's Actually Working vs. What's Still Hype

• Why coding achieved true product-market fit with AI (while email writing didn't)
• The 90/10 rule: AI gets you most of the way there, humans perfect the last 10%
• Why the best developers from 5 years ago are also the best at using AI today

The Coming Hardware Revolution

• Why we might be in "summer 2012 Bitcoin territory" - right before ASICs changed everything
• How China's DeepSeek proves innovation happens under constraints
• The specialized hardware breakthrough that could make AI incredibly profitable

Future of Work Reality Check

• Why "AI will replace everyone" is wrong - but so is "AI changes nothing"
• How to use AI without becoming dangerously dependent on it
• The rise of AI loyalties: "We're a ChatGPT family, son"

White-Collar Work Revolution

• Why law firms and accounting will be next after coding
• The death of control+F - hello context search across 300-page contracts
• How everything needs to become "LLM accessible" to stay competitive

Key Insights:

💡 "There will be two types of people: those who make LLMs smarter and those who teach them the world" - The future job market split
💡 "It's like having a junior developer who's incredibly good at syntax" - How to think about AI capabilities
💡 "Humans evolved through effort - the more you put in, the more you get out" - Why shortcuts backfire

Perfect For:

• Young professionals wondering how AI will impact their careers
• Anyone trying to separate AI hype from reality
• Developers and tech workers navigating the AI transition
• People considering which AI tools are actually worth learning
• Those who want to understand where the technology is actually heading

This isn't another "AI will save/destroy the world" take. It's a practical analysis of what's working, what isn't, and how to position yourself for whatever comes next.

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Matt returns from the Bitcoin Conference in Las Vegas with a sobering reality check: the financial system is rigged against young people, and most don't even realize it. 

In this raw conversation, the co-hosts: Soham Mehta, Matthew Black, and George Pu break down why traditional wealth-building advice no longer works and what young people can actually do about it.

What We Cover:

Bitcoin Conference Reality Check

• Why most attendees were in their 30s-40s (not young people)
• How Bitcoin became "boomer coin" despite being revolutionary technology
• The dangerous psychology of "$100K Bitcoin is too expensive"

The Government Spending Crisis

• Why neither political party will ever reduce the deficit
• How the "monkey experiment" explains why bad policies never change
• Australia's terrifying new unrealized gains tax (coming to Canada next?)

The Housing Trap Generation

• Why real estate as investment destroyed affordability for young people
• How government red tape adds $400K to every new home
• Why birth rates are collapsing (hint: it's economics, not culture)

International Perspective: Long-Term vs. Short-Term Thinking

• George's insights from Qatar and Abu Dhabi economic forums
• How monarchies think in decades while democracies think in election cycles
• Why some countries are building for 2075 while others can't plan past 2028

Practical Survival Strategies

• How to protect wealth when your own government works against you
• Why capital gains tax punishes you for avoiding currency debastion
• The brutal math: they tax you more when they screw up more

The Sovereignty Playbook

• Why keeping only 10% in your home currency makes sense
• How to minimize downside risk while maximizing upside potential
• Real examples of what young people are actually doing to escape the system

Key Insights:

💡 "The more they inflate the currency, the more they tax you for escaping it" - The perverse incentive destroying wealth
💡 "Bitcoin is divisible to 100 million sats - you can buy $1 worth" - Why the "too expensive" narrative is false
💡 "Governments never get smaller, only bigger" - Why voting alone won't fix systemic problems
💡 "Stack sats and focus on your craft" - The only advice that actually works

Perfect For:

• Young people frustrated with traditional financial advice
• Anyone questioning why homeownership feels impossible
• Crypto investors wondering about generational adoption patterns
• People considering international diversification strategies
• Those who want to understand why the system feels rigged (because it is)

This episode isn't about complaining - it's about understanding the game so you can actually win it. The future is fluid, and that means you still have a say in building it.

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Episode Description

Social media is rewiring young brains to crave instant gratification over long-term wealth building. In this eye-opening conversation, George and Soham dive deep into why frugality has become nearly impossible for today's youth and what it's really costing them.

What We Cover:

The Death of Frugality

• Why multimillionaires wear the same shoes for 5 days straight
• How social media creates insecurity-driven spending cycles
• The psychology behind G-Wagon envy and lifestyle inflation

George's $40K College Mistake

• His honest confession about leasing an expensive car in college
• The painful lesson that changed his entire money mindset
• Why short-term thinking destroys long-term wealth

The Five Types of Wealth Framework

• Financial, physical, mental, social, and time wealth explained
• Why most people in their 20s feel "bankrupt" in multiple areas
• How to identify which wealth type you're neglecting most

Social Media's Hidden Costs

• How TikTok and Instagram steal more than just your time
• Why political content polarized both hosts during election season
• The disappearing "third place" and rise of digital loneliness

The Modern Loneliness Epidemic

• Why young men aren't approaching women anymore
• How texting replaced real conversations and in-person connections
• The death of spontaneous social interactions

Solutions That Actually Work

• Why your five closest friends determine your financial future
• The power of in-person business opportunities vs. digital networking
• Simple habits to break free from the dopamine scroll trap

Key Insights:

💡 "That $10,000 I save today can be $100,000 in 20 years" - The compound interest mindset shift

💡 "You become the average of your three to five closest friends" - Including the influencers you follow

💡 "Boredom kills innovation, but constant dopamine kills genuine connection"

💡 "Every dollar spent on status is a dollar stolen from your future self"

Perfect For:

• Young professionals struggling with lifestyle inflation
• Anyone feeling overwhelmed by social media's influence on spending
• People who want to build real wealth in their 20s and 30s
• Those seeking authentic connections in a digital world

This episode isn't just about money - it's about reclaiming control over your attention, relationships, and future in an age designed to steal all three.

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Description:

Is the traditional 9-to-5 dead? With AI making entrepreneurship more accessible than ever, George and Soham explore why young people are abandoning corporate careers for side hustles and startups - even when the odds are stacked against them.

What We Cover:

• Why quiet quitting became a thing (and it's not about the money)
• The $60K median salary reality: Why corporate jobs don't cover cost of living anymore
• How AI became everyone's co-founder: ChatGPT as your business partner
• George's brutal honesty: "I've hit rock bottom 5 times" - the real cost of entrepreneurship
• Why university culture pushes everyone toward Google/Meta instead of startups
• The complacency trap: How corporate jobs kill your risk appetite over time
• Stock options vs salary: Why skin in the game changes everything
• China's 24/7 work culture vs Western work-life balance: Who's winning?
• The knowledge layer: Why reading books and learning compounds matter more than ever
• From legal docs to accounting: How AI eliminates traditional startup barriers

Key Insight: 

We're living through a perfect storm - rising costs, AI democratizing business creation, and corporate jobs offering less fulfillment than ever. 

The stars have aligned for the biggest entrepreneurship wave in decades.

Bottom Line: 

Whether you stay corporate or go entrepreneurial, the key is building your knowledge layer and maintaining agency. AI can be your co-founder, but you still need to make the decisions that matter.

Perfect for anyone feeling stuck in corporate life, considering a side hustle, or wondering if they should take the entrepreneurial leap. Sometimes the biggest risk is staying comfortable.

Are Western governments driving away their best entrepreneurs with crushing taxes? 

George shares his nightmare experience managing US and Canadian corporations while Matt explores why places like Dubai, Singapore, and Paraguay are becoming the new promised lands for young founders.

What We Cover:

• George's $10K+ annual tax nightmare: Delaware franchise taxes, withholding requirements, and cross-border complications
• Why landlords won't rent to entrepreneurs (even when you're paying all your taxes)
• The ultra-wealthy playbook: How families like the Westons use charity structures to avoid billions in taxes
• Dubai's 60,000 Canadian expats: What's driving the mass exodus from the West?
• Why you can leave gold bars on the street in Dubai but not walk safely at night in many Western cities
• US citizen tax trap: How America's global taxation policy keeps people hostage
• Paraguay's zero-day residency hack for 0% capital gains tax
• The time tax: Why complexity is as costly as the rates themselves
• Energy = wealth: How carbon taxes and nuclear shutdowns are destroying national competitiveness

Key Insight: 

The system isn't just taxing your money - it's taxing your time, safety, and future opportunities. 
Young entrepreneurs are realizing they have options beyond staying put and getting squeezed.

Bottom Line: 

As AI and remote work eliminate geographical constraints, expect massive capital flight to continue. 
The countries that embrace energy abundance and entrepreneurial freedom will win; those that don't will lose their most productive citizens.

Perfect for young entrepreneurs questioning whether there's a better way to build wealth outside the traditional Western tax grind. Sometimes taking the red pill means taking your business somewhere it can actually thrive.

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Is Bitcoin doomed by quantum computing? 

With Google's latest quantum breakthroughs making headlines, many young investors are wondering if their Bitcoin is safe from quantum attacks. 

In this episode, George, Matt, and Soham tackle one of the most common fears holding people back from Bitcoin investment.

What We Cover:

• Why quantum computing is a "non-zero but ridiculously low" risk to Bitcoin right now
• How Bitcoin's dual-layer security (public-private key cryptography + hash functions) actually works
• Why Satoshi's coins are more vulnerable than your Bitcoin wallet
• The game theory nightmare: what happens if someone cracks quantum first?
• Why banks and traditional institutions should be more worried than Bitcoin holders
• ETF vs self-custody: Are you giving up your Bitcoin voting rights to BlackRock?
• The "hourglass method" - Hunter Beast's proposed solution for quantum threats
• Practical advice for young investors: start with ETFs, progress to self-custody

Key Insight: The quantum threat to Bitcoin is overblown, but the custodial threat from ETFs might be real. 

As BlackRock and other institutions accumulate massive Bitcoin holdings, they gain unprecedented power to determine which Bitcoin upgrades are "legitimate" - potentially more concerning than any quantum computer.

Bottom Line: Quantum computers won't break Bitcoin anytime soon, but understanding these risks helps you make better decisions about how to hold your Bitcoin. 

Whether you choose ETFs for convenience or self-custody for sovereignty, the most important step is getting started.

Perfect for anyone who's been on the fence about Bitcoin due to technical fears or wondering whether to buy the ETF or actual Bitcoin.

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In this eye-opening episode of Quarter Life Capital, George and Matt sit down with Joe Burnett, thought leader at Unchained Capital and creator of the Mustard Seed newsletter, to explore how Bitcoin is revolutionizing wealth preservation and retirement timelines for young investors.

The conversation ventures deep into critical questions that every Bitcoin holder needs to consider:

• Why both single-signature hardware wallets AND Bitcoin ETFs create dangerous single points of failure
• How collaborative custody through multi-signature setups solves the inheritance problem that plagues Bitcoin holders
• The concerning reality that Coinbase now holds over 1 million Bitcoin – potentially "the most valuable honeypot in history"
• Why MicroStrategy's Bitcoin treasury strategy could eventually push Bitcoin to astronomical price levels
• How the retirement calculator shows young investors might retire decades earlier than traditional financial advisors suggest

Joe shares his journey from building commodity price apps as a middle schooler to becoming a Bitcoin advocate, and explains why eliminating single points of failure is the critical next step in Bitcoin's evolution as the ultimate store of value.

Whether you're storing your first satoshis or managing substantial Bitcoin holdings, this conversation provides actionable insights on securing your digital wealth not just for yourself, but for generations to come.

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In this eye-opening conversation, George and Matt dissect the viral internal email from Fiverr's CEO that bluntly warned employees: 

"AI is coming for your jobs" – and explore what this means for entrepreneurs, employees, and the future of work.

The co-hosts dive into the hard truths about AI's rapid transformation of the workplace:

• Why the Fiverr CEO's candid warning triggered such a massive online reaction
• How AI is already eliminating entire job categories – from logo designers to content writers
• Why entrepreneurs are uniquely positioned to benefit while employees face growing uncertainty
• The shift from large teams to "sovereign builders" who leverage global talent and AI tools
• Why trust, connections, and domain expertise are becoming more valuable than technical skills alone

George shares how his company downsized from 14 people to just 5 while maintaining output through AI integration, while Matt reveals how development workflows that once required large teams can now be accomplished by a handful of skilled people with the right tools.

This conversation offers a balanced perspective on a transformative moment – acknowledging the short-term pain for workers while highlighting the unprecedented opportunities for creators, builders and those willing to adapt. 

As George points out, "the water is already boiling" – making this essential listening for anyone concerned about their professional future in the AI age.

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In this episode of Quarter Life Capital, George, Matt, and Soham dive into asset allocation strategies for investors in their 20s navigating today's high-inflation environment. 

The co-hosts discusses why traditional investment vehicles like bonds and even the S&P 500 may not be providing the real returns young people need.

The conversation explores:

• Why many young people are shifting away from traditional real estate dreams
• How Bitcoin offers mathematical scarcity in an inflationary world
• Personal investment strategies from tech founders managing both company treasuries and personal portfolios
• The psychological journey from Bitcoin skepticism to conviction
• Alternative strategies like the "basis trade" that can yield 7-10% returns in bear markets

Whether you're curious about Bitcoin as an inflation hedge or wondering how to allocate your first serious investments, this episode provides practical insights from founders who are navigating these decisions themselves. 

Tune in for a candid conversation on building wealth in your 20s during uncertain economic times.

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Quarter-Life Capital returns with co-hosts George Pu, Matthew Black, and Soham Mehta examining Jack Dorsey's controversial call to abolish all intellectual property laws and what it means for innovation in the AI era.

In this wide-ranging fourth episode:

• 🧠 The IP debate: Jack Dorsey and Elon Musk's surprising stance on abolishing intellectual property laws
• 🏢 Corporate weaponization: How companies like Figma are using trademarks to stifle competition
• 💻 Open source vs. closed ecosystems: Finding balance in a world of accelerating innovation
• 📺 Netflix's trillion-dollar ambition: How AI-powered localization and content creation could fuel massive growth
• 🎬 The future of entertainment: Multiple endings, personalized content, and viewer-directed stories
• 🔍 The Satoshi mystery: Examining who might be behind Bitcoin's pseudonymous creator

The hosts explore how a new era of AI is revolutionizing content creation, software development, and intellectual property rights, while debating the balance between innovation, corporate power, and creator incentives.

Subscribe to Quarter-Life Capital for biweekly analysis of cryptocurrency, financial markets, tech disruption, and strategies for building wealth and freedom in your quarter-life and beyond.

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