Issue 18: Human Stock Market?

Happy Sunday!

I regret to inform you that your grocery store loyalty card just sold your life expectancy for $47.

The Story

Your life insurance company knows you're going to die on a Tuesday in March. They're like 73% confident. They also know you started lying about your gym visits three weeks ago.

Last Christmas, my uncle – three whiskeys deep and freshly fired from a major insurance company – destroyed my family dinner with this gem: ‘‘We denied a woman's life insurance last month because her Instacart history showed she'd die by 2027. She doesn't even know she's sick yet.’’

Wait, what??

"Yeah, we bought everyone’s grocery data. Every candy bar, every cigarette, every vegetable you skipped. We know who’s dying when, who’s getting divorced, we know it all.’’

Then he showed me his laptop.

Holy. Shit.

Insurance companies aren't just buying your grocery data anymore. They're buying EVERYTHING. That loyalty card discount you're so proud of? You're selling your death date for $0.38 off eggs. They know your marriage is failing based on which ice cream brand you’re buying. They can predict diabetes 18 months out based on nothing but your midnight 7-Eleven runs.

One guy's premium jumped 200% overnight because the AI noticed a pattern: gym membership cancelled + cigarettes purchased + frozen dinners replacing fresh produce = "mortality spiral detected."

My uncle's company tested their death prediction model on 100,000 customers. Five years later? 87% accuracy.

"You think your Fitbit’s keeping you healthy," he laughed. "We use it to calculate how much to charge you."

Then it hit me…what if you could see what they see? What if you had your own terminal showing exactly how every decision impacts your life?

Because if someone's going to profit from predicting your future, shouldn't it be you?

How To Profit

• Life Arbitrage Terminal📊

Build an AI-powered app that shows people the actual ROI on everything in their life.

Connect it to their bank, smartwatch, calendar, and location data. That gym membership? The app shows them it's costing $1,200/year for 5 visits. Brutal. But those "overpriced" coffee shop visits they feel guilty about? Turns out one random conversation led to an $8,000 consulting gig. Suddenly that $7 latte was the best investment they ever made.

The app tracks everything. Which friends are energy vampires (costing money AND productivity). Which hobbies actually lead to income. Which Netflix shows correlate with their worst work weeks. It's Moneyball for real life.

Price it at $19/month basic, $49 for the version that actively coaches them: "Skip drinks with Brad tonight - he's historically cost you $240 per hangout with zero return."

• HumanStock📈

Build a platform that pulls all your scattered achievements into one place. Right now your marathon times are on Strava, work wins on LinkedIn, travel pics on Instagram, side hustle nowhere. This app creates a beautiful "Life Resume" showing everything impressive about you - then assigns you a Social Capital score as a "bonus feature."

People will join to show off, not to be measured. They connect their accounts, get this cool profile, and suddenly they're bragging about their "847 Social Capital score" like it's their IQ.

Revenue: Recruiters pay $10K/month to see whose "Career Stock" is rising fastest in their city. Gyms pay to target people whose "Health Stock" is crashing. Dating apps pay premium for users with unstable "Relationship Scores."

You're building the credit score of human potential - everyone will need it, everyone will hate it, everyone will pay for it.

• Life Betting Market 🎲

Create a prediction market where people bet on their own life decisions - and others can bet against them.

The platform works like sports betting but for life choices. Getting married? Create a contract that you'll stay married 5 years. Starting a business? Bet it'll survive 18 months. Going back to school? Bet you'll graduate. Your confidence (or delusion) sets the odds.

People are delusionally optimistic about their own futures but brutally realistic about others'. So you get amazing data - the crowd-sourced probability of every major life decision. Plus natural virality: "I just bet $5K that my startup will succeed - who wants to bet against me?"

Take 10% of every bet. No insurance licenses needed, no capital reserves required.

The Ace Toolkit

Ace always said, "They turned your entire life into a stock price. Might as well learn to day trade."

Y Combinator's "Startup School" - Free course on turning weird ideas into fundable companies

Google's People API - The fastest way to aggregate someone's digital footprint with permission

"Everybody Lies" by Seth Stephens-Davidowitz - Ex-Google data scientist shows exactly how to turn people's search histories and digital breadcrumbs into profitable insights

Build the terminal or be the commodity.

Until next time,

Alex

Founder //LZY MNY CLB