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!

Q1 of 2019 is getting to an end: reflections and looking at Q2

24/03/2019 in Uncategorized

Every quarter I go back end review how my last 3 months have been, and then also try to look ahead towards the next 3 months. These are always based on my goals for the years and then broken into quarters. As described in my “2019 post“, my overall theme for 2019 was going to be lots of work, significant experiences, get ripped and broaden my network.

Generally speaking, the last 3 months has been awesome. I can’t say that I’ve been doing a good job following my goals, but I’ve enjoyed the last 3 months tremendously.

January, February and March

In terms of the fun stuff, I really have a lot to mention. I’ve had so much fun the last couple of months…

I made the goal to be “more cultural”, and have both been to the theatre twice, an art gallery (Lousiana), been to a TedX event.

I’ve been to Lisbon and Saint Petersburg.

To top it off, I’ve seen so many friends last 3 months. I haven’t counted, but it has been 10+ at least, and it has been really great.

But, fun aside, work has been my priority. I’ve had 70+ hour work weeks most weeks, and it has been insane. Without going into much detail, especially January and February was absolutely brutal to me. The company is doing very well, but it’s definitely coming at a personal cost.

What I’ve noticed is that when I get above 55-60 hours, my private life starts to get problems. I start to do less exercise, I eat unhealthy, I get more tired, I don’t find the time to do awesome things, sex gets worse, I forget to meditate and I sleep worse.

Now, I really don’t believe in the whole “it doesn’t have to be crazy at work” or the “never work more than 40 hours a week“. If you work with the ambitious we do, it’s simply not possible. But, I do find a stark difference between for example 40 vs 55 vs 70 hours. It’s very clear to me that if I need to accomplish all my goals from 2019, I can’t do it on a 70-hour work week schedule.

The two goals that I’ve absolutely failed are the health goals (both loosing weight and eating healthy) and the goals around meeting new people. I’ve done exercise 4-5 times per week, and I’ve done a weekly half-marathon every Sunday for 1.5 months now, but that is where the positive things end. I’ve lived very unhealthy & not been social and met new people.

April, May and June – goals

To determine my goals for next 3 months, I’m looking at my overall goals for 2019.

Experiences. It’s fair to say the “experiences” goal is impossible to miss. The first 3 months has simply been so much enjoying, that I’ve done much more than expected here. To add it up, I have the following travels booked for next 3 months:

  • Berlin in end of March
  • Kiev & Lisbon/Algarve coast in April
  • London in May
  • Lviv (Ukraine) sometime in June
  • Brazil in June (summer vacation with both Brazil, Argentine and Uruguay)

Put briefly, experiences should really not be my goal next 3 months.

Work. We’ve now entered a new phase at Likvido. We have a real team, we have good people at core positions and we have a real product people want.

As the technical co-founder, I can now focus on building product. First 3 months of 2019 I’ve been VERY heavily involved in support & operations, meaning I’ve barely focused on the product, resulting in these crazy 70+ hour workweeks.

Next 3 months will be different. I am going to force myself to a new working schedule. I will try to limit myself to 55 hour workweeks in order to focus on other goals as well.

Health. I’ve booked a marathon in September in Krakow, Poland. I have 2 more half-marathons in my calendar. I am going to continue with exercise 5 times a week, which is going to be the easy part.

The hard part, is finally loosing lots of kilos. This has been a continious goal (and problem) for the better part of 6 months, and it’s getting to a desperate stage. My most important (non-work) goal the next 3 months will be getting below 80 kg (~86kg now), cut sodas and medidate 3 times every week.

Relationships. I am not going to add any goals to this right now. I want to keep the next 3 months simple – and rather add that later.

Formulation of goals

Business & Economy & Work:

  • Keep kicking-ass at work, but stay below 55-hour workweeks on average
  • Setup at least 3 “business-events” where I invite people I know (ie. arrange a dinner, goto a restaurant or similar) (doing a horrible job)
  • See at least 8 connections 1:1 for an evening (a bit behind, but should be able to reach it)
  • Find a way to get to know at least 10 new connections (doing a horrible job)

Health & mind & body:

  • Get below 80kg
  • Get down to 1 coke bottle pr day on average throughout whole period
  • Keep doing sports at least 5 times a month
  • Run 8 half-marathons in the whole period
  • Meditate at least 3 times a week 
  • 7+ Hour sleep-average

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.

Continue reading »

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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