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.


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!

Review and experiences with Joylent – a Soylent copy

21/08/2015 in Health, Technology

A couple of years back, the company Soylent started with a blog post.

Rob Rhinehart posted that he had mixed his own cocktail of stuff, by which he meant everything the body needed (including vitamins, proteins, fats, carbohydrates and whatever is required). Instead of making food, he could store this as a type of powder and eat it.

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How is the startup scene and community in the Philippines?

27/06/2015 in Entrepreneurship

I spent June in the Philippines, working my ass off on my own startup. I also got the chance to learn much more about the startup scene in the Philippines. With that in mind, I thought it deserved a blog post.

Now, I was extremely lucky that David Margendorff from PawnHero and John Dang from Zipmatch wanted to chip in to give a more diverse view of how they see the startup community and scene. PawnHero and Zipmatch are established businesses in the Philippines, and they basically know everything there is to know about the scene.

Before we dig in, I think it’s important to provide some context. Not all readers are very familiar with the Philippines, and context matters, as it is an extremely exciting market worth exploring.

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Being sick as a digital nomad – when a disease hits you

22/06/2015 in Digital nomad, Health

Being a digital nomad is awesome most of the time. You get to see the world, work from different places, and meet a lot of new people. It’s fun, it’s challenging and it is a trend on the rise.

I like graphs, and in this post I’d like to introduce a graph which shows the way I see human emotion. It’s based on a simple fact: Sometimes we, as human beings, are happy and satisfied. Sometimes we’re sad and dissatisfied.

If we draw this graph for normal human beings, it should look something like a sine wave, going from “good to bad to good to bad to good”. Hopefully having more good than bad:

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Uber in Manila (Philippines) – how good is it?

17/06/2015 in Digital nomad

I am a huge Uber fan and I use it everywhere I go. I’ve always been pleasantly surprised by its service and quality. I have used Uber in Denmark, United States, Thailand and now the Philippines.

Now, the reason why I want to make this post, is because the Uber experience in the Philippines is very different than any other country.

There are some good, and some bad things about it.

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Self-improvement can be very difficult – also when travelling

31/05/2015 in Life philosophy

While I am travelling the world as a digital nomad, I am also trying to improve myself. This is something I’ve done since I made a lot of ridiculously ambitious goals when I was 18 years old.

Now, improving yourself is fucking difficult. You set a goal, lets say loose 10 kgs, and you’re super determined. Well. Until you get caught up, and is having food-sex with that amazing Ben & Jerries ice cream. That’s life, and it happens to anyone. However, luckily enough, sometimes we manage to break our patterns and thereby changing our actions until they become habits.

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How different countries affect you emotionally and mentally – and a self-improvement followup

23/05/2015 in Digital nomad, Life philosophy

Today I learned something new.

I have traveled a lot before. I’ve spent months travelling. I have lived in Hong Kong for 3 months, before spending 3 months in Manila. I would say I am quite a seasoned traveler and know my way around. Yet, I still learned something critical after arriving in Hong Kong yesterday.

In order to explain better, let me explain a bit about myself:
I see myself as a “high performer”. I don’t try to be Elon Musk and work myself tirelessly 20 hours a day to save the planet (even though I probably should… later in life), but I do try to get the most out of life.

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Review of Amazon Machine learning – first experience with machine learning

15/05/2015 in Entrepreneurship, Technology


I have a Bachelor’s Degree in Software Engineering from the best technical university in Denmark. I have a Master’s Degree in Business.

I see myself as quite a technical person. My job is to make sure that the developers in my company make great code, and that we pick the right architectural decisions. We do a good job, and our customers seem to love us (well, they keep buying stuff!).

But I am a business guy. From a business perspective, I am totally hyped about machine learning and artificial intelligence (which for some reason is the same in my mind – well, let us say – was). I believe it’s the future, and I totally want to build the next “machine-learning”-applied product that will conquer the world.

But I have no experience with machine learning, artificial intelligence, deep learning or any of the other fancy words I’ve read.

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