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  • The Spenders: Who Writes the Checks

    This is post 2 of 2 in the series “Who Actually Gets Paid in AI”

    A series on the AI buildout, layer by layer: who is spending, who is growing, who has the cash engine today, and who only has a story about tomorrow. Starts with the bubble question.

    1. Is This an AI Bubble?
    2. The Spenders: Who Writes the Checks

    Before the names, my labels, because I will use them in every post in this series.

    Real: the growth and the cash are here today, and the price roughly pays for what already exists.
    Real but rich: a solid business with real growth, but the price already assumes years of flawless execution.
    Potential: the opportunity is real, but the numbers are early, small, or not yet durable.
    Hype: the story and the price run far ahead of any revenue or cash.

    Part 1 asked if this is a bubble. This part looks at the six companies writing the biggest checks. First finding: none of the six is Hype. Every check is written by a real cash engine. The difference is how much engine is left after the check, and who pays if the bet fails.

    Company One line Label
    Microsoft Azure grew 48% and free cash flow stayed positive at $18.6 billion in the quarter, the only big spender whose cash never went under water. Real
    Alphabet Cloud more than doubled and operating cash flow is about $180 billion over twelve months, but the quarter’s free cash flow was negative $9.1 billion on $51.4 billion of building. Real
    Meta Revenue up 26% on an ads engine that prints cash, operating cash flow about $133 billion and growing, but it also raised new shares, so owners split the future with more people. Real
    Amazon AWS grew 39% and the cash engine is real, but $77 billion of capex in one quarter took twelve month free cash flow to negative $42.4 billion. The return on this spend is the unproven part. Potential
    Apple The control case. It lets others write the checks, made about $110 billion of free cash flow in nine months, and the stock has run well ahead of its own history while its AI revenue is still mostly other people’s models on its devices. Real but rich
    Oracle The backlog is real and huge, but the build is funded with debt and new stock, with a credit rating one notch above junk. If the bet fails, lenders and diluted owners pay first. Potential

    So the spenders are not the dot com story. Nobody here is spending money they do not have from a business that does not exist. The honest risk is narrower: the returns have to arrive before the patience runs out, and for Amazon and Oracle, before the bill gets uncomfortable.

    I am writing what I think today so I can come back and check if I was right or wrong. These posts will keep me honest.

    My call today: when these six report their next full round in late January, at least four will still show operating cash flow growing year over year. If two or more stall, my Real labels here are wrong, and I will change them in public.

    Reminder on the labels: Real means growth and cash are here and the price roughly matches. Real but rich means a solid business priced for perfection. Potential means a real opportunity not yet proven in durable numbers. Hype means story and price far ahead of revenue and cash.

  • Is This an AI Bubble?

    This is post 1 of 2 in the series “Who Actually Gets Paid in AI”

    A series on the AI buildout, layer by layer: who is spending, who is growing, who has the cash engine today, and who only has a story about tomorrow. Starts with the bubble question.

    1. Is This an AI Bubble?
    2. The Spenders: Who Writes the Checks

    October was rough for AI stocks.

    Alphabet fell about 19% in the month. Meta fell about 15%. It was not because the businesses suddenly stopped growing. Alphabet revenue was up 25%. Meta revenue was up 26%.

    The market hated the spending.

    Both companies are spending huge amounts to build AI capacity. That spending has pushed free cash flow down hard, even into negative numbers for the quarter. Their bet is simple. Spend through a weak free cash flow period now, and the future free cash flow will be amazing.

    That bet may be right. It may also be wrong. But I keep coming back to an old line from Jeff Bezos in 1997. When forced to choose between making the accounting look pretty and the present value of future cash flows, he said, “we’ll take the cash flows.”

    I agree. Free cash flow is the destination.

    But while the building spending is front loaded, I am watching a different number. Operating cash flow. That is the cash the core business collects before the building spending. It tells me if the engine still works.

    Alphabet operating cash flow is about $180 billion over the last twelve months, and growing. Meta is about $133 billion, and growing. Their free cash flow has collapsed because they are building, not because the engine has stopped.

    So is this a bubble?

    Parts of it, yes. Some AI names are priced for perfection, with huge multiples and no cash flow to show yet. If anything goes wrong, there is nothing under the price.

    But the biggest spenders do not look like the dot com bubble to me. That bubble was built by companies with little revenue and borrowed hope. These are profitable giants funding the buildout from enormous operating cash flow.

    Both things can be true. AI can be a real shift, and some AI prices can still be a bubble.

    The question is not whether AI is real. The question is who has a cash engine today, and who only has a story about tomorrow.

    This is too big for one post. I will do more posts on this topic soon, one layer at a time. The spenders, the chips, the builders, and the software on top. Then I will come back to the bubble question with the whole map in front of us.

  • Stop selling the device, sell the outcome

    This is post 7 of 10 in the series “FabrixMed learnings”

    1. The referral is where healthcare goes to die
    2. The ED doesn’t just need more hands. It needs faster answers.
    3. The government keeps a map of where healthcare is missing
    4. Who the ED calls, and how long the answer takes
    5. We ration specialists by zip code
    6. Screening is a logistics problem, not a medicine problem
    7. Stop selling the device, sell the outcome
    8. Independence needs shared support Scheduled for November 7, 2026
    9. Pay for the answer, not the appointment Scheduled for November 14, 2026
    10. Healthcare’s last mile runs on fax machines Scheduled for November 21, 2026

    Here’s a pattern I’ve watched up close: a company builds a genuinely good medical device. They sell the box. The clinic buys the box. The box sits in a corner.

    The device worked. The program didn’t.

    Because a clinic doesn’t need a box. It needs a screening program that runs, patients identified, images taken, results read, follow-ups booked, every week, without heroics, inside the chaos of a real practice. The device is one ingredient in that. Maybe twenty percent of it. The other eighty percent is workflow: who does what, when, and how you know it happened.

    So there’s a flip available, and the smart device companies are starting to see it. Stop selling the device. Sell the outcome. Instead of “here’s a camera,” it’s “here’s a working screening program, and the camera comes with it.” One-time sale becomes ongoing relationship. The customer stops buying equipment and starts buying results.

    This is better for everyone. The clinic gets something that actually works instead of an expensive paperweight. The company gets recurring revenue instead of lumpy one-time orders. And patients get screened instead of sitting on a waiting list for a device nobody set up.

    The lesson generalizes beyond healthcare, I think. Customers never wanted your product. They wanted the outcome your product was supposed to produce. Sell that.

  • Fake It Till You Make It

    This is post 3 of 6 in the series “Lenses”

    1. Two Kinds of People
    2. The Happiness Curve
    3. Fake It Till You Make It
    4. The Work Is the Flex Scheduled for November 13, 2026
    5. You Are Not Your Title Scheduled for November 27, 2026
    6. Check Again Scheduled for December 11, 2026

    A lot of people say “fake it till you make it.” It sounds like the flex. It is not the same thing.

    The flex is display. You perform for an audience. The display is the whole thing. There is no becoming on the other side.

    Fake it till you make it, done right, is about behavior. You act as if you are the person you are becoming. You take the meeting before you feel ready. You speak with confidence before you feel it. You hold yourself to the standard of the person you want to be.

    The faking is pointed at yourself. It is courage, not costume. And underneath it, you are doing the work. The faking is a bridge, and there is a real become on the other side.

    Here is how you tell the difference. Ask one question: does the fake point at yourself or at others? If it points at yourself, act like the person, do the work, it is growth. If it points at others, look like the person, skip the work, it is flex.

    And one more rule. You can borrow confidence, but you cannot borrow a record. Claiming results you don’t have is not faking it. That is fraud. The record has to be built, not claimed.

    So yes, fake it till you make it. Fake the courage. Fake the posture. Fake the willingness to show up before you feel ready. Then do the work until the fake becomes real. That is not showing off. That is becoming.

  • The Happiness Curve

    This is post 2 of 6 in the series “Lenses”

    1. Two Kinds of People
    2. The Happiness Curve
    3. Fake It Till You Make It
    4. The Work Is the Flex Scheduled for November 13, 2026
    5. You Are Not Your Title Scheduled for November 27, 2026
    6. Check Again Scheduled for December 11, 2026

    Someone posted the happiness curve on LinkedIn, and I got curious.

    The classic finding: happiness is high when you are young, dips to a low point around 47 or 48, then climbs again. An economist named David Blanchflower found it in 132 countries. It even shows up in chimps and orangutans, so part of it is biology, not just mortgages and careers.

    Interesting data. But it needed a double-click for me. Because Blanchflower looked again in 2025, and the curve has changed. The midlife dip has mostly flattened. Not because midlife got better. Because the young got worse. Distress is now highest among the young and falls with age.

    Interesting. But I think there are a few suspects here.

    One, the economy. A generation grew up in homes stressed by the Great Recession, and their own start in work and housing has been harder. Two, COVID. It poured fuel on it, but the fire started years earlier. Three, some of the rise is measurement. We taught young people the language of distress, and some normal hard feelings now get counted as disorders. And four, the phones. But I do not think the blame sits in one place.

    Here is my main suspect. Youth is not as centered anymore. And there is a biological reason the flood hits them hardest. The brain is not finished until about age 25. The prefrontal cortex, the part that weighs consequences and filters impulses, is one of the last parts to mature. That is a generalization. Some people are not ready until later. But the broad point holds. The filter is still under construction at exactly the age the flood arrives.

    Because the landscape changed too fast, and we have not learned how to process it. Information used to be centralized, channelized. It came through a few gates, and parents were the central gate. What a child got exposed to was mostly in someone’s control. Now information is distributed. It comes inbound from too many pathways: phones, laptops, games, the internet, digital music, social apps. The old gate cannot hold, and we have not evolved new gates to replace it.

    Even friendship has changed shape. Friends used to be people you knew, who shared your day-to-day activities. Now some young people have friends they have never met and will never meet. For a developed brain, that is a choice. For an undeveloped one, it is dangerous. It cannot yet weigh that influence.

    On the toolmakers, a balance has to be struck. They are not blameless. A car was not designed to keep you driving forever. These products are designed to harvest your attention, and that design is aimed at brains whose filters are not finished. That is a real fault. And still, when cars replaced horse carriages, accidents rose because of the speed cars made possible. We did not ban cars, and we did not only blame Ford. Because with cars, we did eventually build gates: licenses, age limits, rules of the road. We have not built the equivalent for information yet. The mistakes here are in many places. The toolmakers built harvesting machines. The rest of us handed them to children with no gates at all.

    Information availability is good. But only if you have a way to pre-filter it, to manage it, so your attention stays centered. Without a filter, availability is not a gift. It is a flood.

    The curve did not move because middle age changed. It moved because the starting point dropped. And the starting point dropped, I believe, because attention lost its guard, and we have not built the new one yet.

    Until we do, the gate has to be your own. I ration my time on these tools. I am not much on LinkedIn or X. The others I use all the time, but I treat them as what they are: information sources. Sources get managed. They do not get open access.

    Because time is the most limited resource you have. It is the only thing we cannot grow. Money can grow. Skills can grow. Time only shrinks. Protect your time and attention. That is your gold.

    References

    Blanchflower, D. G. (2020). Unhappiness and age. NBER Working Paper 26641.

    Weiss, A., et al. (2012). Evidence for a midlife crisis in great apes consistent with the U-shape hypothesis. PNAS, 109(51).

    Blanchflower, D. G., Bryson, A., & Xu, X. (2025). The declining mental health of the young and the global disappearance of the unhappiness hump. PLOS ONE.

    Foulkes, L., & Andrews, J. L. (2023). Are mental health awareness efforts contributing to the rise in reported mental health problems? New Ideas in Psychology, 69.

    Casey, B. J., Jones, R. M., & Hare, T. A. (2008). The adolescent brain. Annals of the New York Academy of Sciences, 1124(1).

  • The Third Option Nobody Wants

    This is post 3 of 7 in the series “Pricing Games”

    The best games on pricing: consumer classics, B2B innovations, and the psychology underneath. One short post every Wednesday.

    1. The $4.99 Chicken That Isn’t About Chicken
    2. Why $39 Beats $34
    3. The Third Option Nobody Wants
    4. Free Cake Forever vs. Two Weeks of the Full Cake Scheduled for November 4, 2026
    5. The 30% Toll Booth Scheduled for November 11, 2026
    6. Pay Only When It Works Scheduled for November 18, 2026
    7. Your Brain Has a Price Tag Too Scheduled for November 25, 2026

    Dan Ariely ran a famous experiment with 100 business students. He offered three subscriptions to The Economist:

    Web only: $59. Print only: $125. Print plus web: $125.

    16 picked web. Zero picked print-only. 84 picked print plus web.

    Then he removed the print-only option nobody wanted. Now it was $59 web versus $125 print plus web. Result: 68 picked web, 32 picked the bundle.

    Nothing about the two real options changed. But adding a third option nobody buys flipped the winner.

    That is the decoy effect. We do not judge prices on their own — we compare. Print-only at $125 made print-plus-web at $125 look like a steal. Take the decoy away, and suddenly $59 looks like the smart buy.

    One honest note: this was a classroom demo, not a lab trial. But the underlying effect is peer-reviewed and real, and marketers use it every single day. Look at any “good / better / best” pricing page. The middle option is the one they want you to buy. The expensive one is the decoy that makes it look reasonable.

    We think we choose with logic. Mostly, we choose by comparison.

  • One Step Removed

    We are all getting lazy. In the world of AI, we get more summaries than ever. Articles, meetings, books, papers, everything arrives pre-digested.

    Every summary inserts an intermediary. Someone, or something, read the material first and decided what mattered. Their biases and interpretations now sit between you and the source. You are one step removed from the actual thing, and you rarely notice the step.

    And yet, one step removed is also better. There is so much content I want to process, and not all of it deserves my attention. I only have so many intellectual bytes to spend every day. The step is a guard on my attention. Without it, everything walks in.

    So I use summaries on purpose, as a pre-processing filter. Like the back cover of a book. The summary tells me what a thing is and whether it deserves more of me. The ones I like, or feel curious about, get the full treatment. I read the actual thing. The rest I let go without guilt.

    The rule I follow is simple. Match the source to the stakes. Low stakes, the summary is fine. High stakes, or high impact, I read the actual material, not the summary. Summaries for quick overviews. Deep dives when it is warranted.

    In the end, I rather not be one step removed from the source if that topic or conversation matters. The step is a good guard. It is a bad master.

  • Screening is a logistics problem, not a medicine problem

    This is post 6 of 10 in the series “FabrixMed learnings”

    1. The referral is where healthcare goes to die
    2. The ED doesn’t just need more hands. It needs faster answers.
    3. The government keeps a map of where healthcare is missing
    4. Who the ED calls, and how long the answer takes
    5. We ration specialists by zip code
    6. Screening is a logistics problem, not a medicine problem
    7. Stop selling the device, sell the outcome
    8. Independence needs shared support Scheduled for November 7, 2026
    9. Pay for the answer, not the appointment Scheduled for November 14, 2026
    10. Healthcare’s last mile runs on fax machines Scheduled for November 21, 2026

    Diabetes can steal your vision. Slowly, painlessly, and, here’s the tragedy, preventably. A photo of the back of your eye catches it years before you notice anything wrong. The cameras exist. The people trained to read the photos exist. And still, people go blind.

    Why? Because the photo never gets taken.

    Follow the chain. You’re at your primary-care doctor for diabetes. Someone needs to remember you need an eye photo, find time in a chaotic day, take the photo, send it somewhere, get it read, get the result back, tell you the result, and book the follow-up if something’s wrong. That’s seven handoffs. Every handoff leaks patients. By the end, a fraction of the people who needed screening got it.

    Notice what the bottleneck isn’t. It isn’t the camera, that problem was solved years ago. It isn’t the reading, trained eyes and good software both exist. The bottleneck is the boring stuff: who does what, when, and who checks that it happened.

    I keep running into this pattern. Most of healthcare’s unsolved problems aren’t medicine problems. They’re logistics problems wearing a medicine costume. We keep inventing better cameras while patients fall through the gaps between the camera and the follow-up.

    The next breakthrough in preventive care won’t be a better algorithm. It’ll be someone who makes the seven handoffs happen without heroics, every patient, every Tuesday, no exceptions.

  • A Good No Needs a Written Why

    No is one of the least used decisions we make.

    It is not because we do not want to say it. Researcher Vanessa Patrick found three reasons we say yes when we want to say no. We worry about the relationship. We worry about our reputation. And we were never taught how. Toddlers are great at no. It gets socialized out of us.

    Here is the part that should free you. The fear is mostly imaginary. In study after study, people overestimate how badly a no will land. Inviters are far more understanding than decliners expect. The no you are dreading costs you more in worry than it would ever cost you in fact.

    And no is where the power is. Every yes is a trade. When you say yes to one thing, you are saying no to something else, whether you admit it or not. Steve Jobs said it in 1997. Focus is not saying yes to the thing. It is saying no to the hundred other good ideas. He was as proud of the things Apple had not done as the things it had done.

    So how do you say it right? Two rules from the research. First, ground it in identity. Patrick found that “I don’t” beats “I can’t.” “I can’t” sounds like an excuse that invites negotiation. “I don’t” says, this is who I am, and it holds. Second, William Ury’s shape: yes to yourself, no to the request, yes to the relationship. The no protects what you value, and it offers the person another door.

    And write the why down. A no with a reason closes the file. A no without one keeps coming back for a second hearing.

    References

    Patrick, V. M., & Hagtvedt, H. (2012). “I don’t” versus “I can’t”: When empowered refusal motivates goal-directed behavior. Journal of Consumer Research, 39(2), 371-381.

    Givi, J., & Kirk, C. P. (2024). Saying no: The negative ramifications from invitation declines are less severe than we think. Journal of Personality and Social Psychology, 126(6), 1103-1115.

    Lu, J., Fang, Q., & Qiu, T. (2023). Rejecters overestimate the negative consequences they will face from refusal. Journal of Experimental Psychology: Applied, 29(2), 280-291.

    Patrick, V. (2023). The Power of Saying No. Sourcebooks.

    Ury, W. (2007). The Power of a Positive No. Bantam.

    Jobs, S. (1997). Remarks on focus, Apple Worldwide Developers Conference.

  • How much of the house is mortgaged

    This is post 6 of 6 in the series “Finance 101”

    1. The house that taught me enterprise value
    2. The three prices of a house
    3. Revenue is vanity, profit is sanity
    4. Follow the cash
    5. The price tag on earnings
    6. How much of the house is mortgaged

    A house worth a million with a nine hundred thousand mortgage is a very different deal from the same house with no mortgage at all. Companies work the same way. Debt-to-equity tells you how mortgaged the business is.

    The math is simple. Take what the company has borrowed and divide by what the owners have put in. The plain question is this. For every dollar the owners have in the business, how many dollars do lenders have at risk?

    Debt itself is not evil. A loan that builds a factory which earns more than the interest costs is good business. The danger is a bad year. Lenders must be paid even when customers stop coming. That is why cautious readers start asking hard questions when the ratio climbs well above 2 for ordinary companies. Heavy industries run higher by design, so always compare a company with its own kind.

    Two companions complete the picture. Net debt is total debt minus ready cash. It respects the cash sitting in the safe. Interest coverage asks how many times the operating profit covers the interest bill. Above 5 is comfortable for most businesses. Below 1 means the business does not earn enough to pay its lenders.

    Pocket rule: Before asking whether a company can grow, ask whether it can survive a bad year.

  • Your Story Is Your Strategy

    I read a line this week from Ben Horowitz: your story is your strategy. The line is new. The idea under it is very old. Man learns through stories.

    We have passed stories down for generations, long before we had books or schools. There is a reason they survived. A story sticks. It becomes memory easily, and it helps us say things to each other that instructions and numbers cannot carry.

    A story also binds a team. Vision is a far-off thing, an aspiration. The story is what carries that vision into the daily work. It helps everyone travel the distance while staying as true to the vision as they can be.

    Ben Horowitz made one more point that stayed with me. The story has to be simple enough that every member of the team can retell it the same way you do. If they cannot, you do not have a strategy. You have a document sitting in a folder somewhere.

    And the story is not fixed. Execution refines it as you go. The road teaches you things no plan could, and the story has to answer to what the road teaches. But be careful about what changes. The telling evolves. The core does not. A core that keeps changing binds nobody.

    So you keep reshaping the story and telling it again, as it evolves. That is what raises your chances of landing close to your vision at the end.

    Think of it this way. The vision is your direction. The strategy is your compass. The story is your turn-by-turn directions. And the execution is the actual road you travel to get there.

  • The price tag on earnings

    This is post 5 of 6 in the series “Finance 101”

    1. The house that taught me enterprise value
    2. The three prices of a house
    3. Revenue is vanity, profit is sanity
    4. Follow the cash
    5. The price tag on earnings
    6. How much of the house is mortgaged

    A share price is just a number until you know what it buys. That is the job of the P/E ratio.

    It is the share price divided by the earnings per share. It answers one plain question. How many dollars am I paying for each dollar of yearly profit?

    A P/E of 20 means you pay twenty dollars for one dollar of annual earnings. The market usually pays a high multiple when it expects fast growth. It pays a low multiple when a business looks cheap or when trouble is brewing. The same low number can mean either, so the ratio starts the question. It does not answer it.

    Now the blind spots. The P/E ratio ignores debt completely. A company can look cheap on P/E while its borrowings quietly grow behind the curtain. The ratio also breaks when earnings are tiny or negative, because dividing by almost nothing makes the math meaningless. And always check which earnings a site is using. The last twelve months and next year’s estimates can paint very different pictures.

    So read it next to the debt line from next week’s post and the cash trail from the last two. A price tag tells you what the seller asks. It never tells you what the thing is worth.

    Pocket rule: A price tag without the debt is not the full price.

  • Why $39 Beats $34

    This is post 2 of 7 in the series “Pricing Games”

    The best games on pricing: consumer classics, B2B innovations, and the psychology underneath. One short post every Wednesday.

    1. The $4.99 Chicken That Isn’t About Chicken
    2. Why $39 Beats $34
    3. The Third Option Nobody Wants
    4. Free Cake Forever vs. Two Weeks of the Full Cake Scheduled for November 4, 2026
    5. The 30% Toll Booth Scheduled for November 11, 2026
    6. Pay Only When It Works Scheduled for November 18, 2026
    7. Your Brain Has a Price Tag Too Scheduled for November 25, 2026

    In a field experiment, researchers priced the same product two ways. At $34, it sold okay. At $39 — five dollars more — it outsold the cheaper price by 24%.

    Read that again. The higher price won by a mile.

    Why? Your brain does not do math at the shelf. It reads left to right and rounds down. $39 lands in the “thirty-something” bucket, and years of conditioning have taught us that a 9 at the end means a deal. The researchers who ran the test — Anderson and Simester, published and peer-reviewed — found the $39 price beat the cheaper $34 by 24%.

    Others found the same pattern: prices ending in 99 outsell round prices by about 8%.

    Nobody is immune to this. Not you, not me. We all walk past the math and buy the feeling.

    So the next time you price something, remember: the customer is not calculating. They are glancing. Price for the glance.

  • Late nights break two things, not one

    This is post 3 of 3 in the series “CentoViva learnings”

    1. Alcohol is a toxin with calories attached
    2. One cigarette a day is not one-twentieth the risk
    3. Late nights break two things, not one

    Third piece of body-homework, and the one that changed my behavior fastest.

    Sleep isn't downtime. It's the maintenance shift, the brain flushes metabolic waste (in mice, the spaces between brain cells expand about 60% during sleep and waste clearance roughly doubles), memories consolidate, growth hormone pulses for tissue repair.

    But late nights add a second problem on top of short sleep: misaligned clocks. Light at night suppresses melatonin, one study found ordinary room light before bed cut melatonin duration by about 90 minutes. And eating late tells your liver and gut it's daytime while your brain disagrees. The clocks desync.

    The measurable effects of short sleep stacked up fast when I read them. Hunger hormones tilt toward eating more, the "I'm full" signal down 18%, the "I'm hungry" signal up 28%, which makes any calorie target materially harder. Thinking dulls to roughly the level of mild intoxication: about 17 hours awake performs like a blood-alcohol level of 0.05%. And over years, short sleep roughly doubles the odds of developing hypertension in midlife.

    The through-line across all three of these inquiries, alcohol, smoking, sleep, is the same: none of them breaks the body in one night. They each make the repair ledger run at a deficit, quietly, until it doesn't. Fixing my sleep is the highest-leverage item on my list right now.

    Sources: Xie et al., "Sleep drives metabolite clearance from the adult brain," Science 2013, https://doi.org/10.1126/science.1241224 · Gooley et al., "Exposure to room light before bedtime suppresses melatonin onset and shortens melatonin duration in humans," JCEM 2011, https://pubmed.ncbi.nlm.nih.gov/21193540/ · Spiegel et al., "Sleep curtailment in healthy young men is associated with decreased leptin levels, elevated ghrelin levels, and increased hunger and appetite," Ann Intern Med 2004, https://pubmed.ncbi.nlm.nih.gov/15583226/ · Williamson and Feyer, "Moderate sleep deprivation produces impairments in cognitive and motor performance equivalent to legally prescribed levels of alcohol intoxication," Occup Environ Med 2000, https://pubmed.ncbi.nlm.nih.gov/10984335/ · Gangwisch et al., "Short sleep duration as a risk factor for hypertension," Hypertension 2006, https://www.cuimc.columbia.edu/news/lack-sleep-linked-increased-risk-high-blood-pressure

    Note: the brain-clearance finding is disputed. A 2024 Nature Neuroscience study in mice found clearance reduced, not increased, during sleep. This post follows Xie et al. 2013, the mainstream citation. https://www.nature.com/articles/s41593-024-01638-y

  • We ration specialists by zip code

    This is post 5 of 10 in the series “FabrixMed learnings”

    1. The referral is where healthcare goes to die
    2. The ED doesn’t just need more hands. It needs faster answers.
    3. The government keeps a map of where healthcare is missing
    4. Who the ED calls, and how long the answer takes
    5. We ration specialists by zip code
    6. Screening is a logistics problem, not a medicine problem
    7. Stop selling the device, sell the outcome
    8. Independence needs shared support Scheduled for November 7, 2026
    9. Pay for the answer, not the appointment Scheduled for November 14, 2026
    10. Healthcare’s last mile runs on fax machines Scheduled for November 21, 2026

    America doesn’t have a specialist shortage. It has a specialist distribution failure.

    The scarcest resource in our healthcare system is a specialist’s time. And we hand it out by geography. Live near a big medical center and you might wait days. Live in a small town or farm country and you wait months — for the same question, the same disease, the same human being in need.

    Nothing about your illness cares where you live. But everything about your care does.

    Here’s the backwards part: we make the patient travel to the knowledge. You drive three hours, take a day off work, arrange childcare — so that a specialist can look at you for fifteen minutes and often just answer a question. A huge share of specialist visits end with advice, not procedures. The knowledge was the product. The travel was pure overhead.

    Flip it. An e-consult — that’s just your own doctor asking a specialist a question electronically, doctor to doctor — moves the question instead of the patient. The specialist reads the case, gives guidance, and most of the time no visit is needed at all. Same knowledge, zero windshield time.

    We built the whole system around the idea that expertise lives in buildings. It doesn’t. It lives in people’s heads, and heads can answer questions from anywhere.

    The zip code lottery isn’t a medical problem. It’s a logistics problem wearing a white coat.

  • Two Kinds of People

    This is post 1 of 6 in the series “Lenses”

    1. Two Kinds of People
    2. The Happiness Curve
    3. Fake It Till You Make It
    4. The Work Is the Flex Scheduled for November 13, 2026
    5. You Are Not Your Title Scheduled for November 27, 2026
    6. Check Again Scheduled for December 11, 2026

    I was talking with someone much younger. They were impressed by people who display riches. The cars, the watches, the lifestyle. I told them to look deeper, at the person who appears not so flashy.

    Don’t look at what you see. Look underneath. A book is not to be judged by its cover. Every book has a story to tell. Beauty is skin deep.

    There are two kinds of people in the world. Some show off and flex. Others stay calm. And their steady work over time becomes a flex in itself.

    Rich is not wealthy. Rich is what you see. Wealthy is what you don’t see: assets, freedom, money that works while you sleep. Successful is not accomplished. Successful is what others say about you. Accomplished is what you actually built. Wannabe’s are not are’s. The wannabe performs the identity. The are has it because they did the thing.

    The flex is a signal. It is what you do when the record doesn’t speak for itself. The calm person doesn’t need the signal because the work speaks over time.

    Here is the test. Ask one question: what does this person have that nobody can take away? The display can be repossessed. The skill, the reputation, the relationships, the assets, those cannot.

    The flex depreciates. The car ages. The post gets forgotten. The substance compounds. Trust, reputation, skill, wealth, they grow quietly. That is why the steady calm becomes a flex in itself. The record gets so heavy it cannot be ignored.

    I wish someone told me this when I was younger. Experience is what teaches this lesson. You can’t hand someone the conclusion, they won’t take it even if you do. But you can hand them the lens.

  • A Kept Promise Is a Moat

    Trust is a currency. You earn it one kept promise at a time, and you spend it the moment you flake.

    People think the reviews business is about five stars. It is not. Stars are just the receipt. What is really being bought and sold is trust. Does this business care? Can it be trusted to deliver what it promises? Those are the questions that matter.

    Humans make mistakes. That is okay. Customers know that. What they watch is what happens after the mistake. Do you fix it? Do you own it? Do you actually care? A business that fixes its mistakes and truly cares about the customer earns something no ad can buy: customers who trust it before they ever walk in.

    That trust is a moat. A competitor can copy your prices. They can copy your product. They can copy your decor. They cannot copy years of kept promises. They cannot copy the feeling a customer has when they know you will do what you said you would do.

    Every promise you keep is a brick in the moat. Every flake is a hole in it. Most businesses try to build the moat with marketing. The real moat is built much more slowly, one kept word at a time.

  • Follow the cash

    This is post 4 of 6 in the series “Finance 101”

    1. The house that taught me enterprise value
    2. The three prices of a house
    3. Revenue is vanity, profit is sanity
    4. Follow the cash
    5. The price tag on earnings
    6. How much of the house is mortgaged

    Cash flow and free cash flow sound like the same thing. They are not. And the difference matters.

    Start with cash flow. Picture a lemonade stand. You sell $100 of lemonade. But $60 of that is IOUs from customers who will pay next week. Your cash flow counts only the $40 actually in the jar, minus what you paid for lemons, sugar, and cups. It’s the real money that moved.

    Now free cash flow. Your stand also needs tools like the juicer, the table, and the cooler. Those cost money. Without them there’s no lemonade tomorrow. Capex is the cash spent on those long-term tools. Free cash flow is what’s left after you pay for running the business and keeping the tools in shape. Operating cash flow minus capex.

    Why does this matter? Everything a company actually does with money is paid in cash, never in accounting profit. It pays lenders, pays dividends, buys back shares, and builds the next factory. Profit can be dressed up with one-time tricks. Cash cannot. A company can report profit and still go broke if the cash never arrives. And a company can report losses for years and be perfectly healthy if the cash keeps coming.

    Jeff Bezos bet Amazon on this in 1997. In his first letter to shareholders he wrote that when forced to choose between making the accounting look good and maximizing future cash flows, he would take the cash flows. He reprinted that letter every year. For two decades Wall Street mocked Amazon’s tiny profits. Meanwhile the cash kept coming, and the company kept building.

    Pocket rule: cash flow tells you what arrived. Free cash flow tells you what stayed.

    Read Bezos’s 1997 letter

  • Show Up on the Slow Days

    I went swimming one day last week and I was slower than the day before. Going backwards. That is the day most people quit, or skip, or decide the whole thing is not working. I got in the water anyway.

    A week later, I was faster than both of those days. Not because of one great session. Because of all of them, including the one where I went backwards.

    I am fasting for Navratri. My shoulder is sore. There were good reasons to skip. I have learned that good reasons to skip are always available. That is why they are not a good filter.

    Here is what I think is true about progress. It does not come from the heroic days. It comes from the ordinary days when you show up and do the thing at whatever speed you have that day. The fast days are the receipt. The slow days are the payment.

    This is not really about swimming. Swimming is just where I can see it clearly, because the clock does not lie and the water does not care about excuses. The same rule holds everywhere else. In business, in health, in anything worth building. Show up on the slow days. That is where the progress is made.

  • One cigarette a day is not one-twentieth the risk

    This is post 2 of 3 in the series “CentoViva learnings”

    1. Alcohol is a toxin with calories attached
    2. One cigarette a day is not one-twentieth the risk
    3. Late nights break two things, not one

    Another one from my body-homework. Everyone knows smoking is bad. What I didn't know is how cruel the math is for occasional smoking.

    A meta-analysis of 141 cohort studies found that one cigarette a day carries about half the excess heart-disease risk of twenty a day, 46% in men and 31% in women. Not five percent. Half. Going from zero to "just one when I go out" buys a wildly disproportionate share of the risk; going from a pack to two packs buys far less additional risk. The researchers' conclusion was blunt: no safe level of smoking exists for cardiovascular disease.

    The mechanism surprised me too. The damage isn't mainly the nicotine. That's the hook. It's the combustion: thousands of chemicals, plus carbon monoxide, which grabs your hemoglobin about 200 times tighter than oxygen does. Every cigarette is a stretch of time your blood is carrying less oxygen, and delivering it worse.

    One genuinely hopeful finding: the lungs' cleaning system recovers fast. Studies of quitters show airway clearance measurably improving within weeks… in one study it was back in the normal range by day 15. The body wants to repair. You just have to stop re-injuring it.

    The pattern I'm noticing: the body is forgiving of a lot, but it keeps score honestly. “Occasional” is a story we tell ourselves. The ledger doesn't round down.

    Sources: Hackshaw et al., "Low cigarette consumption and risk of coronary heart disease and stroke," BMJ 2018, https://doi.org/10.1136/bmj.j5855 · Ramos et al. 2011 on nasal mucociliary clearance returning to the normal range by day 15 after quitting, as reviewed in Int Arch Otorhinolaryngol, https://www.thieme-connect.com/products/ejournals/html/10.1055/s-0040-1702965

  • Revenue is vanity, profit is sanity

    This is post 3 of 6 in the series “Finance 101”

    1. The house that taught me enterprise value
    2. The three prices of a house
    3. Revenue is vanity, profit is sanity
    4. Follow the cash
    5. The price tag on earnings
    6. How much of the house is mortgaged

    Revenue is the least honest number in finance. Ask this instead. After the sale, what’s actually left?

    Revenue is the total value of everything a company sold. That’s the top line. But selling a lot means nothing if it costs even more to sell it. A company can sell a billion dollars and still lose money.

    Gross profit is what’s left after the direct cost of making the thing. That means the lemons and the sugar, not the rent. Software often keeps 70 cents of every dollar. Supermarkets may keep only 25. Both can be fine businesses. It depends on the volume.

    Operating income is what survives salaries, rent, marketing, and research. It shows whether the core business actually works. Net income is the famous bottom line. It comes after interest and taxes. It’s real. But it’s also the easiest number to fudge with one-time tricks.

    Revenue tells you how big the machine is. Profit tells you whether the machine works. Always read both.

  • I’m learning Sanatana Dharma in public. It’ll take two years.

    This is post 1 of 1 in the series “Sanatana Dharma”

    A lifelong curriculum in philosophy, cosmology, knowledge and human life — learning in public, ancient and modern science side by side.

    I was born into a tradition I don’t deeply understand.

    I know some stories. I can say some words. But if you asked me what Sanatana Dharma actually teaches about reality, how its philosophers argued with each other, or what its ancient scientists got right and wrong — I’d be guessing.

    So I’m going to learn it properly. Here, in public.

    The plan is simple: 24 months, 12 stages, a few hours a week. Small and steady beats heavy and fast. If it takes longer than 24 months, that’s fine.

    Here’s how I’ll study every idea — through three lenses:

    1. What the ancient thinkers said — the texts, the arguments, the disagreements.
    2. What modern science says — the evidence, the open questions.
    3. Where I land — what I believe, what I question, what I still don’t know.

    I’m not trying to prove the ancients discovered modern science. I’m not trying to debunk them either. I want to know what they understood, how they came to know it, what they got right, what they got wrong, and what’s still worth thinking about today.

    One rule for the whole series: concept first, jargon second. Plain words before Sanskrit terms. Always.

    Every Saturday I’ll share the week’s bigger lesson. On weekdays, smaller pieces when there’s something worth saying. I won’t publish after every study session — only when my understanding actually changes. And when I get something wrong, I’ll come back to the post, date the correction, and say what changed. That’s the deal with learning in public.

    We start next Saturday with the question most people skip: what exactly is Sanatana Dharma?

  • The $4.99 Chicken That Isn’t About Chicken

    This is post 1 of 7 in the series “Pricing Games”

    The best games on pricing: consumer classics, B2B innovations, and the psychology underneath. One short post every Wednesday.

    1. The $4.99 Chicken That Isn’t About Chicken
    2. Why $39 Beats $34
    3. The Third Option Nobody Wants
    4. Free Cake Forever vs. Two Weeks of the Full Cake Scheduled for November 4, 2026
    5. The 30% Toll Booth Scheduled for November 11, 2026
    6. Pay Only When It Works Scheduled for November 18, 2026
    7. Your Brain Has a Price Tag Too Scheduled for November 25, 2026

    Costco sells a rotisserie chicken for $4.99. It has cost $4.99 for years. Their former CFO admitted they give up $30 to $40 million a year in margin to keep it there. They sell 157 million of those birds a year.

    Why would any business do that? Because the chicken is not the business. The cart is.

    Nobody drives to Costco for one chicken. You go for the chicken and leave with $200 of other things — the things with real margins. The chicken is bait, priced to pull you through the door.

    This game has a name: the loss leader. Sell one thing at a loss, or near it, and make it back on everything around it.

    Everyone tells the Gillette version — cheap razors, expensive blades. Fun story, mostly legend. The real Gillette razor cost $5 in 1903, a third of a working man’s weekly wage. The cheap-handle game only showed up after the patents expired.

    The lesson is not about chickens or razors. It is this: figure out what pulls people in, and be willing to lose money on exactly that. The profit lives one step behind the bait.

  • Alcohol is a toxin with calories attached

    This is post 1 of 3 in the series “CentoViva learnings”

    1. Alcohol is a toxin with calories attached
    2. One cigarette a day is not one-twentieth the risk
    3. Late nights break two things, not one

    I drink occasionally. One small drink, socially, never more. I usually don't even finish it.

    I've always known alcohol hurts. But it's also one of the most heavily marketed vices on the planet. Every ad sells the same story: fun, friends, freedom. Nobody advertises the bill.

    Gen Z saw through it before the rest of us. They barely drink. Most health-focused generation I've seen… they looked at the deal and passed.

    So I got curious about the actual mechanism. What does it do, and why does the damage look the way it does? Because one thing I've noticed just from watching people over the years: alcohol ages people fast. You can see it in the face first… the skin, the eyes, a puffiness that doesn't go away. I wanted to know why.

    Here's what I found, plainly. The body doesn't treat alcohol like food. It treats it like a poison that happens to carry calories. The liver drops everything else to clear it first, so while it's busy, fat burning pauses. Seven calories a gram, zero nutrition.

    The liver breaks it down in two passes. The stuff in the middle, acetaldehyde, is the nasty one… it's classified as carcinogenic to humans.

    Then the brain. Alcohol makes you feel relaxed, but it breaks sleep apart. Less dreaming, and the second half of the night in pieces. You can watch it on any sleep tracker… deep early, shattered late. Knocked out is not slept.

    This doesn't change what I do. One small drink, usually unfinished. But now I can see the bill clearly, and I understand what I've been seeing in people's faces all these years.

    What I still don't know: how much of the aging is the alcohol itself, and how much is the bad sleep and late-night food that travel with it. That's my next question.

    Sources: IARC Monographs on acetaldehyde associated with alcoholic beverage consumption, classified as carcinogenic to humans (Group 1), https://monographs.iarc.who.int/ · NIAAA on alcohol metabolism and sleep, https://www.niaaa.nih.gov/

  • Who the ED calls, and how long the answer takes

    This is post 4 of 10 in the series “FabrixMed learnings”

    1. The referral is where healthcare goes to die
    2. The ED doesn’t just need more hands. It needs faster answers.
    3. The government keeps a map of where healthcare is missing
    4. Who the ED calls, and how long the answer takes
    5. We ration specialists by zip code
    6. Screening is a logistics problem, not a medicine problem
    7. Stop selling the device, sell the outcome
    8. Independence needs shared support Scheduled for November 7, 2026
    9. Pay for the answer, not the appointment Scheduled for November 14, 2026
    10. Healthcare’s last mile runs on fax machines Scheduled for November 21, 2026

    Who the ED calls, and how long the answer takes

    In my last two posts I argued that the emergency department’s problem isn’t just missing hands — it’s missing answers. Decision delay, not just doctor shortage. This week I found the data. It says I’m right, and it’s more specific than I expected.

    Here’s the setup. When an ED doctor hits a case she can’t resolve alone, she calls a specialist — a consult. Nationally, the CDC’s emergency department survey found a consulting physician was seen in 11.6% of ED visits in 2018, 13.5% in 2019, and 15.7% in 2020 — trending up. Studies that count consults requested (not just completed) put it at 20–40% at teaching hospitals. So somewhere between one in eight and one in three ED visits waits on a specialist’s answer.

    Now the part nobody talks about: who gets called, and how long each one takes. A 2026 study out of the University of Virginia tracked roughly 35,000 consults over a year and measured the one thing that matters — minutes from “we need you” to an answer the ED can act on. It is, as far as I can tell, the only detailed breakdown of its kind in the US. The CDC doesn’t record consult specialty nationally. Read that again: the country obsessively measures door-to-doctor time in every ED, but nobody nationally measures consult-to-answer time. We clock how fast a doctor arrives. We don’t clock how fast the answer arrives.

    Here is what the study found:

    Specialty called Share of consults Median wait for an answer
    Internal medicine 26.8% 90 min
    Cardiology 8.2% 164 min
    Psychiatry / behavioral health 6.7% 196 min
    Neurology 5.6% 178 min
    General surgery 5.2% 144 min
    Orthopedic surgery 4.9% 154 min
    ICU 4.0% 60 min
    Neurosurgery 2.9% 155 min
    ENT 2.4% 153 min
    Ophthalmology 2.3% 160 min
    Toxicology 0.9% 92 min

    Overall median: 108 minutes. Nearly two hours, every time, just waiting for the answer.

    A few things jump out.

    First, the psychiatry paradox. Behavioral health is only about 7% of consults — yet it has the longest wait of any specialty: 196 minutes, over three hours. And this is the specialty with the worst boarding crisis in the country: roughly 1 in 10 mental-health ED visits among Medicaid-covered youth ends in boarding for 3–7 days. The patients who wait longest for an answer are the ones who then wait longest for a bed. The delay compounds.

    Second, the pattern in the slow list. Cardiology, neurology, neurosurgery, ENT, ophthalmology, orthopedics — the longest waits cluster around exactly the specialties that hospitals struggle most to keep on call. Three out of four ED directors say their specialist on-call coverage is inadequate, and the worst gaps are neurosurgery, hand surgery, orthopedics, ENT, ophthalmology, dermatology. These are the 2am specialties: the ones nobody staffs at night because the volume doesn’t justify a full-time body. So the ED calls, and waits.

    Third — and this is the one I keep coming back to — one in five of these waits is a number the system chose not to measure. Nationally. The measurement gap is the story. You manage what you measure, and American emergency medicine has spent decades optimizing everything up to the consult order, then shrugging at the 108 minutes after it.

    I’m not pretending the data is perfect. This is one academic hospital where every admission requires a consult, which inflates the internal-medicine share. Other studies put orthopedics as high as 25% and psychiatry as high as 15% of consults. But directionally it holds: a large share of ED visits stall on a specialist’s answer, the answer takes hours, and the slowest answers belong to the hardest-to-staff specialties.

    Which brings me back to the geometry question from my last post. Every shortage program tries to move the doctor to where the patient is. But the doctor isn’t the bottleneck in this table — the answer is. A cardiology consult that takes 164 minutes doesn’t need a cardiologist relocated to the county. It needs the question to reach a cardiologist faster and the answer to come back sooner. The specialist stays put. The patient stays put. Only the consult moves.

    That’s the shape of what I’m building with FabrixMed — e-consult infrastructure that moves answers, not people, into the places and moments where the wait is longest.

    I’m still learning this world. If you run an ED, staff one, or study consult patterns — tell me what these numbers get wrong. The map is better when more people draw it.

    References

  • The government keeps a map of where healthcare is missing

    This is post 3 of 10 in the series “FabrixMed learnings”

    1. The referral is where healthcare goes to die
    2. The ED doesn’t just need more hands. It needs faster answers.
    3. The government keeps a map of where healthcare is missing
    4. Who the ED calls, and how long the answer takes
    5. We ration specialists by zip code
    6. Screening is a logistics problem, not a medicine problem
    7. Stop selling the device, sell the outcome
    8. Independence needs shared support Scheduled for November 7, 2026
    9. Pay for the answer, not the appointment Scheduled for November 14, 2026
    10. Healthcare’s last mile runs on fax machines Scheduled for November 21, 2026

    I spent some time this week on the Bureau of Health Workforce’s website, reading about how the federal government officially labels the places and people that don’t have enough healthcare. I didn’t know this machinery existed. Now I can’t stop thinking about it.

    Here’s the plain-English version.

    The government gives shortage labels to places, groups of people, or buildings that don’t have enough healthcare. The count of geographic shortage areas alone is just over 1,000 — and that’s only one kind of label. There are five, and they stack like this:

    1. Not enough doctors here. The official name is a Health Professional Shortage Area. It comes in three flavors: a whole area (a county, a neighborhood), a specific group of people (low-income families, homeless people, migrant farmworkers), or a specific building (a prison, a mental hospital). And it covers three kinds of care: basic primary care, dental, and mental health.

    2. Not enough maternity care, specifically. Inside the areas above, some places are short on the people who deliver babies and care for mothers. Those get their own sub-label: Maternity Care Target Areas.

    3. Underserved — the area or the people. Medically Underserved Areas are whole geographies (a county, a cluster of counties, city blocks) that lack basic care. Medically Underserved Populations are specific groups inside a geography — people facing money, language, or cultural barriers to care. These labels are what let community health centers get built.

    4. Doesn’t fit the boxes, but still can’t get care. The Exceptional Medically Underserved Population — for groups whose situation is unusual enough that the standard definitions miss them.

    5. The governor can just say so. A state governor can flag an area as short on providers, and that flag is what lets a Rural Health Clinic get established there.

    These labels aren’t just statistics. They unlock real things: loan repayment for clinicians who go work in these places, bonus payments, even visa waivers for foreign-trained doctors. The labels are the system formally admitting: care is missing here.

    And here’s the part I’m chewing on. Every program attached to these labels tries to move the doctor to the pin on the map. Loan forgiveness, bonuses, visas — all of them are trying to relocate a human being. But doctors are people with lives, and they mostly don’t relocate on command. That’s not a criticism; it’s just how humans work.

    What if the geometry is wrong? What if the doctor doesn’t need to move — only the doctor’s answer needs to travel? A question from a clinic in a shortage county, answered by a specialist two states away, in hours instead of months. The specialist stays where she is. The patient stays where he is. Only the consult moves.

    And the answer really is the slow part. A 2026 study of roughly 35,000 emergency department consults at the University of Virginia found the median wait from consult order to an actionable answer was 108 minutes — nearly two hours. For psychiatry, it was 196 minutes. Over three hours. Meanwhile, three out of four ED directors say their specialist on-call coverage is inadequate. The bed isn’t always the bottleneck. Sometimes it’s the answer.

    That’s the shape of what I’m building with FabrixMed — digital infrastructure that carries specialist answers into the places the map says are missing them. No relocation required.

    I’m still learning how these designations work in practice. If you know this world — a state primary care office, a rural clinic, an FQHC — I’d love to hear what the map gets right and what it misses.

    References

  • India’s rupee rescue — the fraying, live

    This is post 3 of 3 in the series “Global Finance”

    1. Is there a way out of the dollar?
    2. Why is gold so expensive — and will it stay that way?
    3. India’s rupee rescue — the fraying, live

    This week gave us a live demonstration of everything the first two posts in this series argued. So let’s walk through it.

    India’s central bank, the RBI, just opened a special dollar window for the country’s three big state oil refiners, starting Monday. Translation: instead of letting these giant dollar buyers hit the open market, the central bank will sell them dollars directly. It also tightened the rules on currency derivatives. The reason: the rupee is near its record low, around 97 to the dollar.

    Why is the rupee hurting? Start with the obvious suspect and rule it out: the dollar isn’t surging. The dollar index is flat around 102 — nothing like the 114 panic of 2022. So this isn’t a strong-dollar story. It’s India’s own math plus one very deliberate American punch.

    India’s math: the country imports far more than it exports, and the biggest import is oil. That means a constant outflow of dollars. When foreign investors also pull money out, the rupee slides. Standard emerging-market physics.

    The American punch: the US has stacked 50% tariffs on Indian goods — 25% reciprocal, plus another 25% explicitly as punishment for buying Russian oil. That hits roughly $48 billion of Indian exports. Fewer exports, fewer dollars coming in, weaker rupee. And here’s the thread that connects to this series: a good chunk of that Russian oil is bought outside the dollar system — in rupees, dirhams, yuan. From New Delhi’s seat, this looks like getting punished for stepping outside dollar hegemony. Washington says the motive is Ukraine. The weapon used is dollar-system leverage. The lesson lands the same either way.

    Now the part I keep coming back to: no conspiracy is required. The Fed sets interest rates for Ohio; Mumbai feels it as collateral damage. Tariffs get imposed for domestic politics; emerging-market currencies bleed as a side effect. The system inflicts the pain on autopilot. That’s what hegemony actually is — not a plot, but architecture. A plot would be less scary, because plots end.

    And then the second-order effect, which is the whole thesis of this series: every time the weapon gets used, every central bank on earth learns the same lesson — the dollar system can be turned against you, at any time, for any reason Washington chooses. That’s the 2022 frozen-reserves lesson, taught again through tariffs. The coercion meant to enforce compliance is what accelerates the fraying.

    Finally, this week’s irony, which deserves its own sentence: to defend the rupee, the RBI is spending its dollar reserves. The system forces you to stockpile the very weapon that’s pointed at you. Which is exactly why, as the last post covered, central banks are also stockpiling gold.

    No flip. Just fraying — live, this week, in Mumbai.

    Previously in this series: Is there a way out of the dollar? · Why is gold so expensive — and will it stay that way?

    References

  • Four days, one minute faster: what the pool is teaching me

    I am running an experiment on myself. The question: how fast can a body learn?

    Four swim sessions. Same pool, same 1000 meters. The protocol is simple: 4 sets of 250m, with the rest between sets shrinking each time. Ask a little more every session, and let the body answer.

    Here is what four days did:

    • Average pace: 2:57 → 2:51 per 100m. Six seconds per hundred — a full minute over 1000m.
    • Stroke rate: 21 → 28. I am not just gliding better; I am generating more power.
    • Aerobic score: 3.3 → 3.7, knocking on excellent.

    The lesson is not about swimming. It is about how getting better actually works: small, measurable, compounding. Nobody gets 2x better in a day. You get just a little better, four days in a row, and the math does the rest.

    The other lesson: the last set matters most. Three sets with rest, then one with no rest — straight through. That is where the body learns something new. Comfort never taught anyone anything.

    I share this because CentoViva is my personal passion project — a constant inquiry into the Life Arc, which is a fancy name for a simple idea: pay attention to the body, ask it questions, write down the answers.

    This is one answer. More to come.

  • The ED doesn’t just need more hands. It needs faster answers.

    This is post 2 of 10 in the series “FabrixMed learnings”

    1. The referral is where healthcare goes to die
    2. The ED doesn’t just need more hands. It needs faster answers.
    3. The government keeps a map of where healthcare is missing
    4. Who the ED calls, and how long the answer takes
    5. We ration specialists by zip code
    6. Screening is a logistics problem, not a medicine problem
    7. Stop selling the device, sell the outcome
    8. Independence needs shared support Scheduled for November 7, 2026
    9. Pay for the answer, not the appointment Scheduled for November 14, 2026
    10. Healthcare’s last mile runs on fax machines Scheduled for November 21, 2026

    I read a staffing company’s new report on emergency departments under strain. Their numbers are real and worth sitting with. More than 69,000 emergency doctors in the US. Over 100 rural hospitals closed in a decade. Residency spots growing, yet 140 went unfilled this year, double last year’s number. Patients boarding in hallways for hours.

    Boarding means this: a patient who has been admitted still sits in the emergency department, waiting for a bed upstairs. The whole department slows down behind them.

    The report’s answer is mostly about staffing. More doctors, more flexible coverage, better retention. That makes sense coming from a staffing company, and I am not dismissing it. Short-staffed departments are real.

    But I keep coming back to something their lens cannot quite see. At 2am in a small-town ED, the binding constraint is often not another pair of hands. It is a decision that cannot get made.

    The ER doctor has a patient with a tricky heart tracing, or a wound that might need a hand surgeon. She knows what she needs: a specialist’s eyes on the case. So she pages, waits, pages again. The patient waits. The bed waits. The whole department waits behind them. That is boarding too, except no staffing plan fixes it, because the specialist she needs does not work in that building and never will.

    You cannot staff your way out of that math. There are not enough specialists to put one in every ED at 2am, and there never will be.

    What I am learning, building FabrixMed, is that this is an infrastructure problem, not a headcount problem. The question is not how to move more doctors into more buildings. It is how to move the decision to the doctor faster. Get the right eyes on the case in minutes, and the ER doctor can decide: admit, discharge, transfer. The patient moves. The department breathes.

    Lay down the rails. Run whatever trains.

    Reference: Medicus Healthcare Solutions, “A System Under Strain: Rising Demands in Emergency Medicine”.

  • Why is gold so expensive — and will it stay that way?

    This is post 2 of 3 in the series “Global Finance”

    1. Is there a way out of the dollar?
    2. Why is gold so expensive — and will it stay that way?
    3. India’s rupee rescue — the fraying, live

    Gold is sitting around $4,200 an ounce today. In January it touched $5,300, an all-time high. A few years ago it was $2,000. So what changed? And the harder question: does it keep going?

    I think there are three engines pushing it up. None of them is hype. All of them are about trust — or the lack of it.

    Engine one: central banks are hoarding.

    In 2022, the West froze about $300 billion of Russia’s dollar reserves. Every central banker on earth watched that and learned the same lesson: dollars can be switched off by someone else. Gold can’t.

    A foreign bond is a promise — some other country owes you money and has to choose to pay. Gold sitting in your own vault depends on nobody’s promise.

    So they started buying. From 2010 to 2021, central banks bought about 470 tonnes a year. Since 2022, it’s been over 1,000 tonnes a year, a record 1,136 tonnes in 2022. It cooled in 2025 to 863 tonnes, but that’s still nearly double the old pace — and their own survey says 9 out of 10 expect the buying to continue.

    And then there’s China: the world’s largest gold producer, its largest consumer, and its largest importer. All three at once. While the West watches the price, China is building the entire system around the metal. The incentive engine under this story is real — this isn’t speculation, it’s countries insuring themselves.

    Engine two: interest rates.

    Gold pays you nothing — no dividend, no interest. “Real interest rate” just means interest minus inflation: what your money actually earns after prices rise. When real rates are high, holding gold costs you. When they fall, gold starts looking good again. A big part of gold’s run is this math quietly working in its favor.

    Engine three: fear.

    Government debts are enormous, deficits keep growing, geopolitics keeps delivering surprises. Gold is the asset you hold when you don’t fully trust anyone’s promises — not a government’s, not a bank’s. Every crisis adds buyers who aren’t coming back soon.

    So will it keep rising?

    Honest answer: the first engine is slow and structural — central banks buy for decades, not quarters. That’s a floor under the price. The other two engines can reverse. Gold is already about 20% off its January high, which tells you the ride isn’t one-directional.

    I don’t predict prices. But here’s the dashboard I’d watch: the pace of central-bank buying, the direction of real interest rates, and whether any oil ever actually settles in gold. As long as those three point the same way, the wind is at gold’s back.

    One more theory — mine.

    There’s a ceiling nobody talks about: space. There’s an asteroid called 16 Psyche, roughly 200 kilometers wide, that might be the exposed metal core of a dead planet. NASA has a spacecraft arriving there in 2029 — pure science, no mining involved. But the idea is real: the solar system holds more gold than humanity could ever dig up, and someday we might go get it.

    Here’s the twist I keep coming back to: asteroid mining would defeat itself. The mission only makes economic sense with gold at $4,000 an ounce. Bring back serious supply and the price collapses — which kills the economics of the mission. And there’s a deeper paradox: gold is valuable because it’s scarce. Make it abundant and central banks stop hoarding it. The very demand disappears.

    So space gold isn’t a coming supply shock. It’s a very-long-term ceiling on the price — and a reminder that everything gold is, is built on scarcity. The day scarcity ends, the story ends. That day is not this decade.

    Who would want the space gold most?

    Here’s a thought experiment. If gold becomes every country’s escape pod from the dollar, wouldn’t America want to grab the space gold for itself?

    America already has the largest gold pile on earth — about 8,100 tonnes. Nobody’s close. But America’s power doesn’t come from its gold. It comes from the dollar plumbing. Gold is the anti-dollar hedge, and America doesn’t need an anti-dollar hedge. It is the dollar.

    So the US wouldn’t grab space gold to hoard it. It would grab the capability — as a threat. If every rival’s plan B is “we’ll park our wealth in gold,” then the country that can credibly say “we could mine an asteroid and cut the price in half” holds a gun to everyone’s hedge. You never fire it. Like nuclear weapons, the power is in the threat, not the use — firing it would torch America’s own 8,100 tonnes too.

    Would Washington even bother? Probably not. Gold hoarding doesn’t threaten the plumbing, and the plumbing is where the real power lives. Countries can stack all the gold they want and still need dollars to settle trade. The escape pod has no engine.

    Unless. If trade ever actually starts settling in gold, reserves become power again — the way dollar clearing is power today. In that world, America would want the biggest pile, just in case. Hedge the hedge.

    And one last twist: announcing a program to monopolize space gold would prove the hoarders right — validating gold as the strategic asset and kicking off a space race with China. The move meant to protect dollar dominance could accelerate exactly what it’s afraid of.

    References

  • The referral is where healthcare goes to die

    This is post 1 of 10 in the series “FabrixMed learnings”

    1. The referral is where healthcare goes to die
    2. The ED doesn’t just need more hands. It needs faster answers.
    3. The government keeps a map of where healthcare is missing
    4. Who the ED calls, and how long the answer takes
    5. We ration specialists by zip code
    6. Screening is a logistics problem, not a medicine problem
    7. Stop selling the device, sell the outcome
    8. Independence needs shared support Scheduled for November 7, 2026
    9. Pay for the answer, not the appointment Scheduled for November 14, 2026
    10. Healthcare’s last mile runs on fax machines Scheduled for November 21, 2026

    Your doctor says, “I’ll refer you to a specialist.” It sounds like a plan. Whether it becomes one depends on something nobody mentions: are both doctors inside the same fortress?

    Let me explain the fortresses. A health system is a company that owns hospitals and employs doctors — Baylor Scott & White in Texas is one. An IDN, an integrated delivery network, goes one step further: it owns the hospitals, employs the doctors, and owns the insurance plan. Kaiser Permanente is the classic example — they collect your premium and employ your doctor, so the whole chain is one company. The insurance side has a name too: the payer, the one who foots the bill. In an IDN, the payer and the provider are the same company.

    Now the referral. If your primary-care doctor — your PCP, the doctor who owns your overall picture — sends you to a specialist inside the same company, that’s in-network. Outside it, out-of-network. The boundary between those two words is where referrals go to die.

    Inside the fortress, things mostly work. One EHR — the electronic health record, usually Epic — so the referral lives in one chart, not a fax. The system gets paid for the specialist visit, so it wants you to complete it. The industry even has words for this: keepage when you stay inside, leakage when you don’t. And there are humans whose whole job is chasing referrals.

    But “mostly” is doing heavy lifting. The system can see the open order. It can’t make you schedule. You face a three-month wait and give up. Prior auth — the insurer’s permission slip, required before many visits — gums up the works. And the final step fails everywhere: the specialist writes a note, your PCP gets a twelve-page document in an inbox, nobody reads it, your plan doesn’t change. “Visit happened” is not the same as “loop closed.”

    And here’s the thing: most of America doesn’t live in the fortress. Community clinics — FQHCs, federally qualified health centers, the clinics that serve everyone regardless of ability to pay — rural practices, independent doctors: they refer out into the void every day. No shared chart. No keepage incentive. No coordinators. Just a fax and a hope.

    So the honest version of the claim: the referral doesn’t die everywhere. It dies at the boundary — and American healthcare is mostly boundaries.

    From first principles, then: the unit of value was never the referral. It’s the closed loop — the moment the specialist’s knowledge actually changes your PCP’s plan. Everything before that is potential energy. Build for the loop closing, not the order being sent. Measure completions, not sendings. And if you’re building for the frontier rather than the fortress, you’d better build the plumbing the fortress got for free.

  • The three prices of a house

    This is post 2 of 6 in the series “Finance 101”

    1. The house that taught me enterprise value
    2. The three prices of a house
    3. Revenue is vanity, profit is sanity
    4. Follow the cash
    5. The price tag on earnings
    6. How much of the house is mortgaged

    every house has three prices. so does every company.

    Price one: $500,000 — the listing. That’s the market cap: what the crowd will pay for the shares today.

    Price two: $670,000 — the true cost. The listing, plus the $200,000 mortgage you’d inherit, minus the $30,000 cash in the safe. That’s the enterprise value: what you’d really pay for the whole thing.

    Price three: $200,000 — the ledger. You bought the place years ago for $400,000 and still owe $200,000. That’s the book value: what the accountant’s records say your stake is worth.

    Market cap is the crowd’s price. Enterprise value is the buyer’s price. Book value is the accountant’s price. Three honest answers — just don’t mix them up.

  • Is there a way out of the dollar?

    This is post 1 of 3 in the series “Global Finance”

    1. Is there a way out of the dollar?
    2. Why is gold so expensive — and will it stay that way?
    3. India’s rupee rescue — the fraying, live

    Everyone talks about countries “ditching the dollar.” China buying gold, BRICS making noise, a de-dollarization headline every other month. So let’s ask the question properly, from first principles: can anyone actually leave?

    Short answer: probably not. But the reason why is more interesting than the answer. Because “the dollar” isn’t one thing. It’s a stack of five layers, and you’d have to beat all five at once.

    The five layers.

    One: trade invoicing. Most of the world’s trade — especially oil — is priced in dollars. Two: settlement plumbing. Money actually moves through correspondent banks in New York; SWIFT carries the messages, CHIPS clears the payments. Three: reserves. Central banks park their savings in Treasuries. Four: debt. Emerging markets borrow in dollars. Five: network effects. Everyone uses dollars because everyone else does.

    Take gold: it attacks exactly one of these — reserves. It doesn’t touch the other four. That’s the whole game in one sentence.

    So let’s walk the exits, one by one.

    Exit one: trade in your own currencies. China and Russia settle in yuan and rubles; India and Russia tried rupees. The killer here is the surplus problem. If you sell more than you buy, you pile up the other guy’s currency — and then what? Yuan isn’t fully convertible, China’s bond markets are shallow and state-controlled. You’re holding an IOU you can’t freely spend. And bilateral pipes don’t scale: a yuan-ruble pipe does nothing for Brazil trading with India.

    Exit two: crown a rival currency. The yuan dream. Here’s the trap, and it’s beautiful in a cruel way: to supply the world with your currency, you have to spend more than you earn — permanently. Economists call this the Triffin dilemma. China runs surpluses and loves control. It wants the crown without the costs. The euro already proved that even rich democracies stall at this wall.

    Exit three: settle in gold. Here’s where the theory gets sharper. Gold works for savings, not payments. Modern trade runs on credit — 90-day terms, letters of credit. You can’t do that with bars in a vault. And a BRICS coin? Who issues it, who sets rates, who bails it out? India and China barely trust each other with a border, let alone a central bank.

    Exit four: build rival plumbing. CIPS, mBridge, Russia’s SPFS. Necessary — but pipes without liquidity are empty. CIPS volume is a rounding error next to SWIFT and CHIPS. And dollar plumbing isn’t just pipes; it’s trust, deep markets, and New York courts enforcing contracts. You don’t rebuild that in a decade.

    Exit five: crypto. The loveliest irony in finance: the most successful “alternative money” — stablecoins — are just dollars on a blockchain. Crypto didn’t escape the dollar. It digitized it. Bitcoin itself is too volatile and too slow to price global trade in.

    Exit six: just leave. Shrink your exposure, trade inside your own bloc, eat the efficiency loss. This is Russia right now — oil at a discount, imports through back channels. It works. The price is being poorer than you’d be inside the system. Rational only if you’re already sanctioned.

    The honest theory.

    There’s no clean exit because the system is valuable precisely because everyone uses it. That’s what a network effect is: the moat is the crowd. Breaking it requires one of two things. Either the center does something so reckless that staying becomes scarier than leaving for most countries at once — defaulting on Treasuries, say, or freezing an ally’s reserves. Or someone builds a parallel system patiently for decades until it reaches critical mass.

    Notice that’s exactly what China is doing. Not one exit — all of them at once: CIPS, mBridge, yuan deals, gold hoarding, BRICS. Slowly. Over decades.

    So my theoretical prediction: no flip. A fraying. Dollar still dominant, with yuan corridors and gold reserves and digital bridges around the edges. A multipolar mess, not a new king.

    Next, the other side of this: if nobody can leave the dollar, why does gold keep rising — and will it keep going?

    References

    • World Gold Council, Gold Demand Trends — central-bank reserve data behind the hoarding story
  • Spread the Steps: What I Learned About When I Walk

    I aim for 12,000 steps a day. Lately I’ve been wondering: does it matter whether I do them in one long walk or spread through the day?

    For blood sugar, it matters a lot.

    Two studies tested this head-to-head in people with type 2 diabetes. Three short walks after meals beat one 30-minute walk by 12% on blood sugar. Three 15-minute walks after meals matched a single 45-minute walk across the whole day — and won after dinner, the biggest meal.

    The mechanism is simple once you see it. Your muscles are the body’s biggest sugar sponge. But a sponge only soaks when you squeeze it. A short walk squeezes the sponge — working muscles pull sugar straight out of the blood without even needing insulin. Sit all day and the sugar just sits there, high, for hours.

    One more surprise: 10,000 steps was never science. It was a 1965 Japanese pedometer ad — the manpo-kei, the “10,000-step meter.” The real research says benefits climb fast from about 4,000 steps and flatten between 7,500 and 10,000 depending on age.

    So I’m changing my game. The steps stay. But now a short walk goes after every meal — rinse as you go, instead of letting it pile up for one big walk at night.

    One honest note: nobody has tested spread-versus-burst on long-term outcomes like mortality. We don’t know yet. But for blood sugar, the verdict is in — and it’s free.

  • The house that taught me enterprise value

    This is post 1 of 6 in the series “Finance 101”

    1. The house that taught me enterprise value
    2. The three prices of a house
    3. Revenue is vanity, profit is sanity
    4. Follow the cash
    5. The price tag on earnings
    6. How much of the house is mortgaged

    the share price tells you what the stock costs. the enterprise value tells you what the company costs. never confuse the two.

    A house listed at $500,000 — that’s the market cap, the price of all the shares.

    It comes with a $200,000 mortgage you’d take over — that’s the company’s debt. Add it.

    There’s $30,000 cash in a safe inside — that’s the company’s cash. Subtract it; it comes to you.

    $500k + $200k − $30k = $670,000. That’s the enterprise value: market cap plus debt minus cash. What the whole company really costs.

  • Dunbar’s Number: Your Brain Has a Friendship Budget

    Dunbar’s Number: Your Brain Has a Friendship Budget

    An anthropologist named Robin Dunbar did some math in the 1990s and found something strange. Across primate species, bigger brains meant bigger social groups. He ran the human brain through the same math and got 147.8. We round it to 150.

    That is roughly the number of people you can actually hold in your head as real relationships — people whose story you know, and how they connect to everyone else who matters to you. Your followers do not count.

    The 150 is not one big group. It is circles inside circles, each about three times the last. Five people you would call at 3 a.m. Fifteen you would confide in. Fifty good friends. One hundred fifty meaningful contacts.

    Here is the part nobody quotes: each circle has a maintenance schedule. The five need contact about once a week. The fifteen, once a month. The 150, once a year. Miss the rhythm and the closeness fades within months. Friendships rarely end in a fight. They end in neglect.

    And here is where your attention actually goes: about 60 percent of your social energy flows to the innermost fifteen. Your happiness tracks those 5 to 15 people — not your follower count.

    So the question is not how many people you know. It is whether your inner fifteen are getting their share.

    Dunbar’s number is not a law — scientists argue about the exact figure. But the shape of it has held up for thirty years: your brain has a budget. Spend it on purpose.

  • 1 Is Alone. 1 and 1 Is 11, Not 2.

    1 is alone.

    1 and 1 is 11. Not 2.

    Find a partner — in business or in life — who is ten times better than you at something, and the combination is not addition. It is multiplication.

    I cannot be great at everything. Nobody can. Drucker put it plainly: it takes far more energy to drag a weakness up to mediocre than to take a strength to excellent. So I stopped trying to fix everything. Instead, I try to be great at one thing: knowing what needs greatness — and then finding the friends who have it.

    The numbers back this up. Two-founder startups beat solo founders by 163%. Diverse teams pull 45% of their revenue from new products, versus 26% for the rest. And Napoleon Hill wrote it down back in 1937: when two minds come together, they create “a third, invisible, intangible force — a third mind.”

    History keeps proving it. Wozniak built the machine; Jobs built the company. Walt dreamed; Roy paid for the dreams. Kahneman called his partnership with Tversky “a joint mind that was better than our separate minds.”

    But there is a condition, and Buffett named it: integrity, intelligence, energy — and without the first, “you want them dumb and lazy.” A brilliant partner you cannot trust does not make 11. He makes zero. Buffett and Munger never had an argument in almost sixty years. That is the glue.

    Let me be clear about one thing — this is not about depending on people. It is a trade. You have to bring something to the table too, because smart people will not partner with you unless you are the greatness they are missing. They cover your weakness; you cover theirs. Both sides give, both sides get. That is the only way 1 and 1 becomes 11.

    So here is my rule now. Know your strengths. Know your weaknesses even better. Find people who are strong where you are weak. And be loyal, honest, and trustworthy yourself.

    1 and 1 is 11. Choose your ones carefully.

  • My Mom Asked Me What AI Is

    My mom asked me to explain what AI is.

    I tried a few answers in my head, and none of them sounded right. Then it hit me: if I can explain it so my mom gets it, that is the best explanation there is.

    AI is badly named. "Artificial intelligence" promises something it is not.

    Don’t get me wrong. I am amazed by it every single day. It is very smart software. But smart is not the same as intelligent.

    Intelligence is judgment. Knowing what matters, what is right, and what to do when no rule covers the situation. That is a human thing.

    What AI actually is: software that is exceptionally good at pattern matching. Finding patterns in mountains of information, faster than any person ever could. It is better at that than me, any day and every day.

    Once you see it that way, you stop expecting the wrong things from it — and start using it for the right things. It finds patterns faster than I can, finds precedents I would never find alone, and compares things better than I can on my own. That is why it is an amazing co-pilot, advisor, sparring partner, coder, and assistant.

    So here is how I think about it now: AI is the best pattern-matching machine ever built. I bring the intelligence — the judgment about what to do with the patterns it finds.

    That worked for my mom. I think it works for everyone.

  • 100 Years of LIFE


    I have always been fascinated by the human body, its complexity, resilience, and remarkable capacity to heal and thrive.

    From a young age, I understood that the choices I make each day, what I eat, how I move, how I rest, will echo across decades of my life. This fascination has grown into a deep, unshakable passion: to live fully, naturally, and vibrantly, aiming not just for longevity, but for quality of life at every stage. I want to see a hundred years, not as a distant number, but as a canvas on which I can paint a life rich with health, energy, and purpose.

    My journey is rooted in the belief that true wellness comes from supporting the body, not suppressing it. I am drawn to a nutrition-first approach, seeking foods that nourish the body at its core, free from harmful chemicals and processed additives. I am committed to understanding nutrition, not as a set of rules, but as a science of life, how vitamins, minerals, and natural compounds interact with cells, how whole foods can prevent disease, and how thoughtful eating can elevate energy and clarity.

    Equally, I am devoted to movement as a daily discipline. I embrace bodyweight exercises, yoga, calisthenics, and practices like Surya Namaskar and Hanuman Dands. These are not mere workouts—they are expressions of strength, balance, and vitality, rooted in the natural rhythm of the body. I move not to punish myself or chase aesthetics, but to empower my body to function optimally for decades, to maintain flexibility, strength, and endurance long into old age.

    Prevention is my guiding principle. I do not wait for illness to signal that change is needed; I seek to anticipate, to act, and to build resilience before problems arise. I study the science of longevity, explore the wisdom of natural remedies, and monitor my health proactively. Supplements, herbs, and natural therapies are tools to complement, not replace, the fundamentals of nutrition, activity, and rest. I am fascinated by how small, consistent actions—an extra stretch in the morning, a nutrient-rich meal, a mindful pause—accumulate over years into profound, life-changing results.

    This is not a solitary pursuit. My curiosity and commitment extend beyond myself. I want to share what I learn, help others understand their bodies, and guide those around me toward choices that promote health, vitality, and longevity. Knowledge becomes meaningful only when applied and shared. Through my studies, experimentation, and practice, I aim to create a path for others to follow—one where the body is respected, supported, and celebrated.

    I see health not as an obligation but as a calling, an area of life worthy of relentless curiosity and discipline. I am driven to explore nutrition, wellness, and natural living with the same intensity I bring to any craft or field I care about. Every meal, every movement, every decision is a thread in the fabric of my long life. My goal is not just to add years to life, but life to years, to ensure that longevity is vibrant, active, and full of purpose.

    This manifesto is both a declaration and a roadmap. It captures my commitment to living naturally, intentionally, and passionately. I will study, practice, and share the principles of wellness and longevity. I will honor my body, nurture my mind, and cultivate the habits that allow a human being to flourish. And through this work, I will create a life that embodies vitality, clarity, and resilience, not just for myself, but for everyone whose life I can touch through knowledge, example, and guidance.

  • Fasting Mimicking Diet – During this Navratri

    I’ve always been very keen on maintaining good health. Every since moving to Austin, I’ve been experimenting. I went vegetarian for almost 8 years, until 2 years ago. I do not eat a lot of meat but I do enjoying eating meat. I did not see a huge benefit of being a strict vegetarian so I resumed eating chicken, lamb, pork, fish etc again

    During the last decade, I also took up fasting and I can say fasting (calorific restriction, particularly) is amazing for you. I thought I could never fast. However, over the years I took up water fasting (way before it was cool or fashionable). My protocol had been to simply quit eating at 6pm on Sunday and then only resume eating Tues morning. I didnt get there overnight, but that has been my usual for a while now. I have at times gone from Sunday to Thursday – and that takes some effort. The goal here isnt to lose weight but specifically to flush your body of toxins and give it the time and opportunity to self-repair.

    A New experiment starts today

    I have read known about Dr. Valter Longos work on the Fasting Mimicking diet and read his book as well. Becuase I’m a Trojan, this work out of the USC Longevity institute has always been fascinating for me. This week, I’m going to be incorporating FMD into my Navratri fasting (for the first time ever) and I’ll try to also keep logging actively about my experience over the next few days.

    Navratri fasting…

    Today is the first day of Chaitra Navratri (Thu, Mar 19, 2026 – Fri, Mar 27, 2026) – a period of fasting that aligns extremely well with the change in seasons. While there is a religious reason to Navratri fasting, I see the scientific value in preparing your body and flushing out toxins as the seasons change.

    This time I’m going to be experimenting with FMD (Fasting Mimicking Diet) – I’ve gained some weight in the past few months. This aligns very well with the Navratri fasting and I’ll be making notes and giving updates here.

    Over the long term this is all ‘baby steps’ towards my vision to CentoViva. Read more about my CentoViva Project.