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 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!

Moving to Berlin – 8 things that has surprised me as a someone from Copenhagen

05/11/2017 in Digital nomad

After a nice summer in Denmark, I decided to move to Berlin for 3 months. My co-founder is German and has always wanted to try to live in Berlin, so this was a great excuse to try something new.

Having a history full of digital nomadism, I was ready to try something new. I’ve never tried to move “close-by”, but always went for destinations further away. The closest place I’ve stayed for a long time was Bucharest in Romania, which was a great experience. However, I was ready to try something new: Berlin.

I’ve been in Berlin multiple times in my life. I have always kinda liked the city, but not more. To me, it seemed a bit… Like Copenhagen – just bigger and less centralized. I really didn’t know what to expect.

Continue reading »

Developing an app – how difficult is it to learn app development (in Xamarin)?

17/09/2017 in Technology

I’ve been been developing and coding since I was 16 years old, and today I’m 27. I have a bachelor degree in software development and have spent most of my times doing websites in ASP.NET MVC.

I’ve never really worked with applications outside the web, which means I’ve always been very much used to the stateless way the Internet works.

But recently I was pushed into app development, which has been a very interesting experience – and thats why I made this blog post: To shed some light on the question: how difficult is it really to learn to code apps? 

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Don’t get fooled into the short-term cryptocurrency price explosion

13/08/2017 in Blockchain and cryptocurrency, Economics

Bitcoin. Etherium. Ripple.

Recently the price of all cryptocurrencies has exploded in price, and every media site is working the type. This is the new way to get rich – quick!

As of writing this, I just screenshotted this from Coinmarketcap:

By reading this, it says that the total market cap of all cryptocurrencies are 137.137.994.554 USD. That’s 137 BILLION DOLLARS.

Continue reading »

Maintaining a “traveling lifestyle” while working on a start-up

06/08/2017 in Digital nomad, Entrepreneurship, Life philosophy

Clickbait title: how I had 9 mini-vacations and still work in a very ambitious start-up with crazy working hours

Working at an ambitious start-up is not aaalways the best for your health and mentality. We work 60-70 hours a week – with 80 hour week exceptions. And we’re not talking “American “biography book” work weeks” – we’re talking actual hours at the office working.

This has a lot of obvious challenges (especially regarding general health), but also a lot of side-benefits I haven’t thought about before:

  • You start to become more narrow-minded
  • You loose friends / you don’t get to meet so many new people
  • You don’t get to cultivate many other interests

To conquer this you need crazy discipline.
Recently I started running at 6am, I sign myself up for half-marathons every 3 months, I force myself to listen to audiobooks whenever I’m in transit or do sports, I time block “meet friends” in my calendar and fill it out every week with new people.
The whole point is: you need to make a real effort to get basic things to work.

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Working 70 hours a week vs. being a digital nomad

05/06/2016 in Digital nomad, Entrepreneurship

Start 2015 I proclaimed I wanted to become a digital nomad. I wanted to travel the world, work remote and see the world.

A quick definition for those unaware of the term digital nomad:

Digital nomads are people who use telecommunications technologies to earn a living and, more generally, conduct their life in a nomadic manner. Such workers typically work remotely—generally from foreign countries, coffee shops, public libraries, co-working spaces and even recreational vehicles—to accomplish tasks and goals that traditionally took place in a single, stationary workplace.)

It was something I had dreamed to do for a long while. Being able to live where I wanted, work when I wanted and see what I wanted – not limited by geography.

In 2015 I managed to get that to work. I managed to be able to pull a stable 50k DKK salary a month (roughly 7.5k USD) from running my remote outsourcing company – and I could have increased that and been living like a king in most places of the world. I lived in Thailand and Philippines. I worked from Malaga. I worked from Bucharest. I worked from Hong Kong. I worked from Berlin.
– All amazing places – especially since I had/have friends and family in those places.

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Goals for 2016 and reflections on 2015

01/01/2016 in Life philosophy

Goals for 2016 and reflections on 2015

Last year I made a reflection post about 2014, and that was a great experience for me personally; I want to do the same this year.

Last year I started out the post with the following:

2014 has been the best year of my life. I say this every year, but it’s comforting to know I can keep saying it.

Is the same true for 2015?

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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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