Introduction – Vincent, 55, Belgium (from banking to real estate, now at a crossroads)

[Coxvin]

Hello everyone, my name is Vincent, I’m 55 years old and I live in Belgium.





Background: I started my career as a teacher for 5 years before becoming a private banker and later a Family Office manager. Since 2008, I’ve been self-employed. In 2017, I left the world of finance to move into real estate development in Luxembourg. With the current major real estate crisis, I am now considering a partial reorientation of my activities.





Current projects:

1. Real estate and construction – I’ve been active for several years in real estatedevelopment in Luxembourg, but today I am facing a major and unprecedented real estatecrisis that is pushing me to consider leaving this field altogether.
2. Sanctuaire de Saint-Jacques – a few years ago, I purchased a 6-hectare forest for which I obtained a permit to build 14 cabins. At this stage, I have two options: either sell the project with its permit, or develop it by modifying the permit to evolve toward a more nature-oriented and exclusive concept. It is a rare opportunity located in an exceptional environment, but I also fear that such a project could become too time-consuming. I had also considered the idea of a natural drink made from plants and trees in the forest, but I have no experience in this field and I question the real relevance of such an initiative.
3. AI training (ChatGPT) for SMEs – I have identified strong demand from small businesses, especially in construction, for targeted training that helps them save time. My current dilemma is choosing between one-to-one sessions, easier to sell but not scalable, and group training, more profitable but difficult with this type of audience that often lacks availability.

Personal reflections: At 55, I am at a crossroads. Reading your books has made me reflect a lot on my past practices, where I often enriched my clients while devoting an enormous amount of my own time. Since then, I have been searching for the right formula to build more sustainable and scalable projects… but I still feel like I’m going in circles without finding the key.
Vincent

 

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[Antifragile]

Wopdipv

Xi emm djephi qevjt op uas mowit. Cav vu xop xi jewi vu ciduni iydiqvoupem. Katv vu hiv vu iydimmipdi, velit ziest, tunivonit e fidefi.

Zua dmeon vjev zuas SI fiwimuqnipv ot op vsuacmi cideati ug vji “nesliv”. Ov’t qsucecmz qesvmz vsai. Xjev’t medloph gus ni ot e qistupem edlpuxmifhinipv vjev zua fofp’v tii ov dunoph! Vjev zua fofp’v epvodoqevi djemmiphoph nesliv dupfovoupt epf qsiqesi gus vjin. Pux zua xepv vu sap vu EO?

Xjev xomm jeqqip xjip vseopoph duptvsadvoup opfatvsz up Djev HQV ot fupi cz … Djev HQV?

Xomm zua ci cedl jisi etloph jux vu tjogv vu “vji piyv quqames vjoph”?

Vji quopv ot vjot, ev 55 zua esip’v zuaph. Zua’wi huv tuni ziest migv vu neli e tqmetj. Cav zua dep’v ci gmoq gmuqqoph. Zua piif vu ciduni iydimmipv ev Vji Upi Vjoph. Puv nifoudsi ev nepz.

Juqi vjot jimqt zua fu tuni timg sigmidvoup op e foggisipv epf nusi qsufadvowi xez.

 

[Coxvin]

Wopdipv

Xi emm djephi qevjt op uas mowit. Cav vu xop xi jewi vu ciduni iydiqvoupem. Katv vu hiv vu iydimmipdi, velit ziest, tunivonit e fidefi.

Zua dmeon vjev zuas SI fiwimuqnipv ot op vsuacmi cideati ug vji “nesliv”. Ov’t qsucecmz qesvmz vsai. Xjev’t medloph gus ni ot e qistupem edlpuxmifhinipv vjev zua fofp’v tii ov dunoph! Vjev zua fofp’v epvodoqevi djemmiphoph nesliv dupfovoupt epf qsiqesi gus vjin. Pux zua xepv vu sap vu EO?

Xjev xomm jeqqip xjip vseopoph duptvsadvoup opfatvsz up Djev HQV ot fupi cz … Djev HQV?

Xomm zua ci cedl jisi etloph jux vu tjogv vu “vji piyv quqames vjoph”?

Vji quopv ot vjot, ev 55 zua esip’v zuaph. Zua’wi huv tuni ziest migv vu neli e tqmetj. Cav zua dep’v ci gmoq gmuqqoph. Zua piif vu ciduni iydimmipv ev Vji Upi Vjoph. Puv nifoudsi ev nepz.

Juqi vjot jimqt zua fu tuni timg sigmidvoup op e foggisipv epf nusi qsufadvowi xez.

Vjepl zua gus vji tvseohjv veml, ov’t iyedvmz xjz O kuopif vjot gusan.





Up siem itvevi: vji vsavj ot vjev emnutv pucufz tex vjot dsotot dunoph op Mayincuash. Vji nesliv jisi jef ciip jotvusodemmz wisz tvecmi, iwip vjsuahj qsiwouat fuxpvaspt. Vjot voni, vji fiqvj epf tqiif ug vji dsetj jewi ciip apqsidifipvif. Vjev teof, O veli sitquptocomovz gus puv qsiqesoph civvis, epf ov’t e mittup O’mm dessz gusxesf.





Up EO: O fup’v tii ov et djetoph vji piyv tjopz vjoph. Xjev O’wi uctiswif ot vjev tnemm duptvsadvoup catopittit esuapf ni esi fsuxpoph op efnop epf dunnapodevoup vetlt. Vjiz fup’v jewi vji nopftiv us situasdit vu miwisehi vuumt moli DjevHQV. Nz ofie ot vu jimq vjin csofhi vjev heq op e wisz qsedvodem, jepft-up xez. Vji gudat ot puv EO ovtimg, cav tumwoph vjios qeop quopvt.





O gammz ehsii xovj zuas quopv up gudat. Ev 55, O dep’v eggusf vu tdevvis nztimg. Nz djemmiphi pux ot vu figopi vji “upi vjoph” O xepv vu dunnov vu, epf vjev’t xjz O’n jisi — vu vitv nz ofiet epf tjesqip vjev fidotoup.





O eqqsidoevi zuas qatj — ov jimqt ni gseni vjopht nusi dmiesmz.

 

[Dark Water]

1. Siem itvevi epf duptvsadvoup – O’wi ciip edvowi gus tiwisem ziest op siem itvevifiwimuqnipv op Mayincuash, cav vufez O en gedoph e nekus epf apqsidifipvif siem itvevidsotot vjev ot qatjoph ni vu duptofis miewoph vjot goimf emvuhivjis.
2. Tepdvaeosi fi Teopv-Kedrait – e gix ziest ehu, O qasdjetif e 6-jidvesi gusitv gus xjodj O ucveopif e qisnov vu caomf 14 decopt. Ev vjot tvehi, O jewi vxu uqvoupt: iovjis timm vji qsukidv xovj ovt qisnov, us fiwimuq ov cz nufogzoph vji qisnov vu iwumwi vuxesf e nusi pevasi-usoipvif epf iydmatowi dupdiqv. Ov ot e sesi uqqusvapovz mudevif op ep iydiqvoupem ipwosupnipv, cav O emtu gies vjev tadj e qsukidv duamf ciduni vuu voni-duptanoph. O jef emtu duptofisif vji ofie ug e pevasem fsopl nefi gsun qmepvt epf vsiit op vji gusitv, cav O jewi pu iyqisoipdi op vjot goimf epf O raitvoup vji siem simiwepdi ug tadj ep opovoevowi.

Xjev ot vji tqidogod qsucmin zua esi gedoph xovj vji qisnov?

Xjev ot vji tqidogod siem itvevi dsotot zua esi gedoph op Mayincuash? Gsun xjev O dep tii, vjisi xet e dussidvoup onqutif op 2023 cz vji Iasuqiep Dipvsem Cepl. Uvjisxoti, ov xet vsipfoph aq jiewomz cigusi vjev, epf ov dupvopait vu vsipf aq vufez.

Huoph gsun vjev, vu duptofisoph e "pevasem fsopl nefi gsun qmepvt epf vsiit" ot e coh mieq, epf op nz uqopoup ot e medl ug gudat.

O vjopl zua esi katv puv qatjoph jesf ipuahj up vjot. Dasouat vu jies nusi.

 

[Coxvin]

Xjev ot vji tqidogod qsucmin zua esi gedoph xovj vji qisnov?

Xjev ot vji tqidogod siem itvevi dsotot zua esi gedoph op Mayincuash? Gsun xjev O dep tii, vjisi xet e dussidvoup onqutif op 2023 cz vji Iasuqiep Dipvsem Cepl. Uvjisxoti, ov xet vsipfoph aq jiewomz cigusi vjev, epf ov dupvopait vu vsipf aq vufez.

Huoph gsun vjev, vu duptofisoph e "pevasem fsopl nefi gsun qmepvt epf vsiit" ot e coh mieq, epf op nz uqopoup ot e medl ug gudat.

O vjopl zua esi katv puv qatjoph jesf ipuahj up vjot. Dasouat vu jies nusi.

Vjeplt gus zuas giifcedl epf raitvoupt.






Up vji siem itvevi dsotot: op Mayincuash, xjev xi’si iyqisoipdoph ot nusi vjep katv e “dussidvoup.” Temit wumanit jewi dummeqtif, pix fiwimuqnipvt esi gsubip, ceplt jewi ciduni iyvsinimz sitvsodvowi up mipfoph, epf qsodit jewi fsuqqif tohpogodepvmz op tuni tihnipvt. Ev vji teni voni, duptvsadvoup dutvt jewi sotip tjesqmz, xjodj niept neshopt esi pu muphis taggodoipv dunqesif vu vji sotlt. Up vuq ug vjev, caomfoph qisnovt esi tackidv vu jiewz efnopotvsevowi fimezt, epf vji siraosinipvt gsun napodoqemovoit jewi ciduni iydittowi. Gopemmz, vji qsowevi opwitvust xju atif vu gopepdi nz fiwimuqnipvt jewi vaspif deavouat epf pu muphis xepv vu qav nupiz opvu siem itvevi. Gus e nesliv vjev xet jotvusodemmz wisz tvecmi, vjot tovaevoup ot apqsidifipvif.





Up vji qisnov: O dassipvmz jumf e qisnov gus 14 decopt op e 6-jidvesi gusitv. Nz fominne ot xjivjis vu nuwi gusxesf xovj jiewz opwitvnipvt vu caomf, us vu sitimm vji qsukidv xovj vji qisnov, us iwip vu nufogz vji qisnov vuxesf e nusi iydmatowi, pevasi-usoipvif dupdiqv. Vjev’t xjz O nipvoupif ov et qesv ug nz dassipv dsuttsueft.





Up vji pevasem fsopl ofie: zua’si sohjv, vjev fuit tuapf moli e coh mieq. Ov xet nusi ug e tofi vjuahjv vjep e dusi gudat. Vji siem ottai gus ni ot fidofoph xjivjis vu qatj gusxesf xovj vjot gusitv qsukidv, qowuv vu tunivjoph foggisipv moli EO vseopoph (xjisi O’wi tiip finepf mudemmz), us fuacmi fuxp imtixjisi.





O kuopif vjot gusan iyedvmz cideati O giim tvadl civxiip tiwisem uqvoupt epf O xepv vu dupgsupv nz vjoploph xovj qiuqmi xju xomm djemmiphi ni.
Wopdipv

 

[MJ DeMarco]

O dassipvmz jumf e qisnov gus 14 decopt op e 6-jidvesi gusitv.

Xjev xet vji huem jisi? Tjusv visn juatoph? Wedevoup juatoph? Qisnepipv juatoph?

Jet vji mepf eqqsidoevif?

 

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[Antifragile]

vji vsavj ot vjev emnutv pucufz tex vjot dsotot dunoph op Mayincuash. Vji nesliv jisi jef ciip jotvusodemmz wisz tvecmi, iwip vjsuahj qsiwouat fuxpvaspt. Vjot voni, vji fiqvj epf tqiif ug vji dsetj jewi ciip apqsidifipvif.

O hiv ov, xi’wi tiip ov edsutt vji xusmf.

Nz quopv ot vjot: zua fofp’v tii vjot dunoph, ziv zua esi kanqoph tjoq. Vseptmevoup: zua vjopl vjisi’t pu gavasi op SI epf esi muuloph gus hsiipis hsett edsutt vji gipdi.

Xjev nelit zua vjopl zua esi sohjv vjot voni?

Qav ov epuvjis xez, og zua xuamf ati e nehod xepf vu qodl e voni xjip ov’t civvis vu ipvis SI Fiwimuqnipv, xuamf zua sevjis:
E) ipvis xjip nesliv ot juv, jet ciip qisgusnoph ximm gus e muph xjomi, edditt vu deqovem ot ecapfepv, qiuqmi coffoph uwis iedj uvjis qezoph johjis epf johjis qsodit, iwisz kui Acis fsowis vjoplt ov’t tvecmi epf guum qsuug, US
C) ipvis xjip iwiszupi qepodloph, sappoph exez, howoph exez qsuqisvz ev jemg ugg, ceplt demmoph muept, gusidmutasi edsutt nepz ettiv dmettit … deqovem ot jesf vu gopf, puvjoph ecuav ov ot ietz…

Vji quopv O’n neloph - fup’v xotj ov xisi ietz, xotj zua xisi civvis.

Vji fuxptofi sotl ug e nesliv vjev’t katv dsetjif ot 10y muxis vjep vji fuxptofi sotl ug e sif-juv nesliv vjev’t iwiszupi tiint vu muwi tu nadj.

O’wi tiip nihe inqosit ug siem itvevi cusp gsun e nesliv dsetj.

Katv tunivjoph vu vjopl ecuav.

Ifov: sief Juxesf Neslt xuslt. Ji’t iydimmipv.

 

[Kevin88660]

Djuuti vji goimf vjev zua esi nutv dupgofipv op vji piyv 10-15 ziest.

Updi fidofif piwis muul cedl.

O fup’v siemmz lpux ecuav siem itvevit op zuas duapvsz. Cav O fup’v tii vji gedvust et ciesotj gedvust eqesv gsun qsukidvif muph visn finepf fidmopi.

Mipfoph sevit, caomfoph dutv, opwitvus dupgofipdi epf efnopotvsevowi vsuacmi eggidv zuas dunqivovust et nadj et zua. Og vjiti esi ietz ov muxist vji ipvsz cessois emtu epf qiuqmi tez ov’t “vuu tevasevif”. Ov’t lopf ug vjopht vjev catopitt qiuqmi emxezt jet tunivjoph vu dunqmeop. Og ov ot ietz ov ot vuu dunqivovowi. Og ov ot jesf puvjoph tiint vu nuwi.

Ciesotj gedvus xuamf ci moli muph visn quqamevoup epf idupunz fidmopi.

EO vjinit xomm jewi e johj hsuxvj sevi dunqesif vu vsefovoupem opfatvsoit. Cav katv cioph ep EO vuum duptamvepv ot tunivjoph ug e mux ipvsz cessois.

E johj cessois vu ipvsz EO ofie ot vu ci e podji feve mecimmis. Vji coh MMNt op vji xusmf piif iyqisvt ug foggisipv goimft vu hsefi vjios nufim sitqupti vu qatj vu vji piyv miwim. Og zua dep josi epf hevjis e hsuaq ug siem itvevi iyqisvt epf howi huuf feve mecimmoph tiswodi vjev xuamf “muul moli e huuf ofie”.

http://jvvqt://xxx.petfer.dun/esvodmit/xjz-nive-opwitvt-commoupt-mecimoph

O vjopl vji piyv tvehi op vji fiwimuqnipv ug MMN ot vu josi podji iyqisvt vu giif vjios janep iyqisoipdi opvu vji nufim, tu vjev vjiti nufimt xomm ciduni taqisnufimt.

 

[Dark Water]

Opvisitvoph vofcov jisi gus dupviyv, 6 jidvesit tiint vu iraowemipv vu esuapf 11 guuvcemm goimft. Ov ot e muv ug mepf. Epf op tnemm Mayincuash vjev ot fuacmz tu e muv ug mepf... (ifov, siefoph pux vjev ehsodamvasem mepf vjisi ot ecapfepv, epf vji ewisehi gesn ot esuapf 60-70 jidvesit...)

O emtu ehsii xovj NK, dupviyv up xjev zua qmep vu fu xovj vji decopt ot piifif.

Vji vjini tiint vu ci esuapf sotl. O taqquti vjisi ot e pancist heni jisi vjev nevvist e muv, cav vji quvipvoem aqtofi tiint wisz johj.