Hi, I'm Lars Holdgaard

29 Years old and entrepreneur since 2012. Currently building the Danish fintech growth-startup, Likvido, with a new approach to the enormous debt collection industry. I also wrote an article: why start a debt collection company?

Previously I co-founded the fintech startup, Monera, which got to 45 employees but later closed. I also built the software outsourcing company Jarboo with 10+ freelancers and I sold my first big project, GodeKarakterer.dk, in 2014.

I believe technology will change the world universe as we know it over the next decades

Software is eating the world, and we're just getting started. To me, this is more than an interest - it's a guiding principle of how I see the world and my own life. That is what I write about on this site.


We will live (much) longer

Biotech and nanotech will explode, making 100 the new 60 years. Already today, the richer poulations add 0.2 years to our expected living age - every year. I believe we will hit the longevity escape velocity within (some) of our lifetimes.


Jobs will be automated

AI and machine learning are not widely accessible yet. This will change dramatically,year by year. As more and more corporates and startups get access to AI/ML, people will be asthonishment how many tasks and jobs we automate.


We will travel the universe

Cost of space travel is plummeting, which will result in the privatization of space. Mars trips, space vacations and space habitats will be extremely unpractical starting out, but the novelty will result in an explosion.


A much better world

Every metric: peace, starvation, famine and illiteracy - are all improving at a very significant rate. Technology will help solve the biggest problems in the world - making the world better, safer and more open to everyone on the planet

Latest posts

Below is my latest posts. I try to post at least monthly!

2018 is coming to an end. What’s next, 2019?

30/12/2018 in Journal

Just like pretty much everyone else, I use new year as an event to look back on the past year. I’m not a believer in new year resolutions, nor that a new year will change everything. However, I do believe it’s healthy to review your life on a continuous basis and ask yourself: am I doing the right things?

This post, then, is my personal reflection of 2018 – and a look ahead towards 2019. I don’t see 2019 to be significantly different than 2018, but I do have plans of things I want to do differently.

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Review of the last 3 months: June, July & August

27/08/2018 in Journal

Every 3 months I update my personal goals, and last time was end of May. Not it’s time for another short review.

The last 3 months

I gotta admit things has been different than I thought.

I had a plan to live more balanced than last time I ran a startup. I planned to have time for friends, learning new skills & try new things. However, just like in my last startup, it has swallowed me. I work from morning to evening, leaving “personal time” to a minimum.

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Summary and review of “The Courage to be Disliked” by Ichiro Kishimi, [book]

28/07/2018 in Life philosophy

As a new attempt, I want to review the books I’ve read. My main reason for doing this is reflecting a bit more on what I read, and by reflecting, getting more out of the books I read. I read 2-3 books a month, track the whole progress on Goodreads, and feel I get a lot out of the books I read.

However, recently, I’ve started to “read” lots of audiobooks on Audible. This is a great gift as I get to read MUCH more books: I read while running, cooking, cleaning and every time I have a few spare minutes. DOWNSIDE is the books seem a bit easier to forget than when I read.

However, enough talk, let me dig into the first book I want to review: “The Courage to be Disliked” by Ichiro Kishimi

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Health widget – showing my current weight and other health metrics online

31/03/2018 in Health, Technology

Lately, I’ve been very focused on my general health.

My whole youth I was severely overweight, and it was first when I was 18 years, I decided to fix the problem back in 2018:
I went from 105kg til ~82kg, and have pretty much stayed there ever since (with slight jumps to higher eighties).

However, my recent goal is a bit different. After my marathon in December, I have made a new goal of getting a sixpack. This probably requires ~12-14% bodyfat (currently ~20%) and quite a lot of bodybuilding, which I started for the first time just over 3 weeks ago.

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2008 vs 2018: Has technology improved our daily life – and is technology accelerating in 2018?

24/02/2018 in Technology

If we are to follow the beliefs and trends in technology, it should be accelerating. Everything from Moores law, to the concept of accelerating returns coined by likes of futurist Ray Kurzweil, to what seems like to be a general belief: technology is ever-accelerating.

I’m actually a strong believer in this “faith”. I buy the argument technology is improving faster and faster, and I think that when we dig into the numbers and graphs, it’s quite true. However, I’m also disappointed. For the last last 5 years, I’ve followed technology development very much. I’ve read *many* books, blogs and listened to podcasts. I’ve added Singularity University events. I’ve even been through a special 5-day program introducing all these new amazing technologies. 

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First time in India: my experience in New Delhi

09/01/2018 in Digital nomad

I’ve been in more than 35 countries, and have largely ignored India. I’ve been to Asia many times and had plenty of opportunities to visit. I’ve ignored this trip largely because of two reasons:

  1. The visa process seemed like a nightmare, and multiple of my friends spoke about insane queues at the embassy
  2. Everyone I’ve talked to were always a bit challenged when I asked if they liked it, and all replies started with “well…”.

In addition, I’ve had my troubles with software developers from India. They usually quite good, but because of very big cultural differences, I’ve personally never had any successful projects. This probably says more about me than Indian software developer, but it’s clear, there is a pretty huge cultural difference.

However, I’ve had Taj Mahal – one of the new “7 world wonders” on my bucket list for a while and ignoring such a large country seemed wrong to me. With more than a billion people, and growing towards the most populous country – it was time for a visit!

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