Hi, I'm Lars Holdgaard

28 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.

1.

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.

2.

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.

3.

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.

4.

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!


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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An example of a potential blockchain usage: replacing publishing houses

05/01/2018 in Blockchain and cryptocurrency, Entrepreneurship, Technology

Today we’re in 2018. 9 Years ago we saw the Bitcoin white paper and the first Bitcoins were mined, and since we have also seen the sharp rise in prices. The last part of 2017 was full of media writing non-stop about Bitcoin, but mostly with a speculation angle.

We have to admit: we lack serious projects, which has an actual impact. However, as I wrote in my huge 15.000+ words piece, I argued this is caused by we’re currently in the infrastructure phase, not much further than the seventies of eighties of the Internet. This lack of impact seems to let some people believe we won’t see it, and simply neglect the potential.

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Ending 2017 and looking ahead towards 2018

24/12/2017 in Life philosophy

Every year, I try to make a review post for myself. The purpose is basically looking back on the last year, and more important – looking ahead.

Unlike every other post on this blog, these review posts are made completely for me. This means I am writing with one reader in mind – myself. So if you stranded on this post, well, good luck, I’m not writing to you with this one 😉 However, I believe in being VERY open about my life and what I do – as you can see in about me or in my goals. You’re *very* welcome to read it, but my angle is not to please others.

But now back to what this post is about: me 😉

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Finishing my first marathon – my first marathon experience in Pisa Marathon

24/12/2017 in Health

December 17th, 2017.

I have traveled all the way to Pisa, Italy, to run my first marathon. After 6 months serious running training 4-5 times a week, I was ready to run it.

Being a Dane, going to Pisa might seem pretty absurd, but I did this because of two reasons. First and most important, I wanted to finish on in 2017 before leaving for Asia for 3 months, second because Pisa has one of the highest time limits in Europe! At a time limit of 6 hours and 30 minutes, I felt certain that even if my body broke down I could get my “tick in the box” and say I’ve completed a marathon.

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The future of Bitcoin and blockchain – and why it’s much more important than the price

20/12/2017 in Blockchain and cryptocurrency, Economics, Technology

I’ve been following Bitcoin since 2013, and oh boy, it has been a ride. Some months it has been crazy interesting, but most months it has been slow and boring.

Fast-forward to the last couple of months, the media has been in a frenzy. As an early Bitcoin enthusiast, this has been exciting, but admittedly also a quite sad experience. Everyone is talking about making a quick buck by investing, and even the smart people who understand the technology often throws around vague statements that blockchain will change the world but never really are able to say more than this.

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Review of Betahaus Berlin – the co-working space in Berlin

20/12/2017 in Digital nomad, Entrepreneurship

For the last 3 months, I’ve been working in Betahaus in Berlin. Betahaus is one of the oldest (if not the oldest?) co-working space in Berlin and is one of the options most people suggest when you ask for co-working suggestions in the city.

In this post, I will give a review of the co-working space. I will share my thoughts, what I really liked and what I did not like so much.

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