Larry Chiang, President and CEO Duck9.com

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I'll shoot you w/a nerf gun if you don't manage your credit.

11:11 is my goal of getting duck9 consumers lots of 1s.

24 1's in a row equals a 750 FICO.

A "one" is an on-time payment in credit reporting code.

A '9'=charged off bad-debt. You wanna duck 9s.

Duck9 = Deep Underground Credit Knowledge (Duck 9's on your credit report. 9's are charge-offs)

"Making sure college credit virgins get deflowered right since 2004"

"Larry Chiang is an expert at the dark art of FICO score preparation"

from Paul Thompson, Founder Scottish American Capital

Harvard Business School '09

"Who needs Stanford Business School when you have Larry Chiang"

from David Rohrsheim, Draper Fisher Jurvetson

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In The Media

Andrew Warner Tweet

by Larry Chiang on February 11, 2026

– Andrew Warner’s post details an interview revealing how to integrate Anthropic’s $20/month Claude subscription with OpenClaw, an open-source AI agent framework, to avoid API fees exceeding $1,000 monthly for heavy users.
image0.png

– He rationalizes potential TOS risks by citing private admissions from industry leaders, a poll at Anthropic’s Claude Code event showing widespread adoption, and his own successful tests on a disposable account.image1.jpeg
– The strategy addresses inequities in AI access, where developers pay premiums for persistent memory and tool-use features in OpenClaw, often choosing costlier but less capable models like those from OpenAI. 

I know I’m risking trouble with this interview.
My guest showed how to use a cheap Claude subscription for OpenClaw instead of paying the high API fees.
It could violate Claude’s TOS.
WHY I DID IT:
1. Big players are telling me PRIVATELY that they’re doing it.
2. Regular people are paying $100s or $1,000s / month in API fees to use INFERIOR AI models
3. At the Claude Code event, dozens of hands went up when I asked all the attendees if they did this
4. I could not find a clear rule against it
5. I tested it on a throwaway account and it works fine
It sucks that people are gatekeeping.
If you want the video, RT to help me spread the word and comment. I’ll DM you

 
 
Andrew Warner
⁦‪@AndrewWarner‬⁩
I know I’m risking trouble with this interview.

My guest showed how to use a cheap Claude subscription for OpenClaw instead of paying the high API fees.

It could violate Claude’s TOS.

WHY I DID IT:

1. Big players are telling me PRIVATELY that they’re doing it.

2. Regular pic.x.com/bGlSFj7UKq
 
2/11/26, 12:52 PM
 
 


Chapter 1 to Chapter 14’s an “Easter Egg” at #ch1 to #ch14. Including #ch2 which’s chapter 2 at my house in Napa California

http://www.youtube.com/watch?v=ejeIz4EhoJ0


On 09-09-39, “What They Will NEVER Teach You at Stanford Business School” debuts at 300 w 44th St at New York Fashion Week’s front row
http://www.youtube.com/watch?v=QXIaNZi3mHQ

What A Super Model Can Teach a Harvard MBA About Credit www.slideshare.net/larrychiang/what-a-super-model-can-teach-a-harvard-mba-about-credit

American Express hosts me mentoring you about FICO scores at New York Fashion Week
t.co/inxTmZAj

My video boils down 20,000 hours and moves you to the right on the entrepreneur bell curve 
http://www.youtube.com/watch?v=eudADPfTWiE
***********

Steve Jobs Texted me on 650-283-8008 in the same way that Mr Jobs called Bill Hewlett https://x.com/superSaiyanSkai/status/1941392367304761636/video/1


Larry Chiang
Fund of Founders
Founding Stanford EIR
@duck9 alum, Deeply Understood Capital Credit Chinese Knowledge 9
Solo Founder Uber API
650-566-9600 Office
650-566-9696 Direct
Cell: 415-720-8500 

650-283-8008 (cell)

Editor of the widely syndicated “What They Don’t Teach at School”
whattheydontteachyouatstanfordbusinessschool.com/blog

CNN Video Channel: ireport.cnn.com/people/larrychiang

Read my last 10 X posts at www.X.com/LarryChiang

Author of #WTDTYASBS a NY Times Bestseller released 09-09-09 at #NYFW on a runway under the tents
whattheydontteachyouatstanfordbusinessschool.com/blog/?s=Ny+times+bestseller

www.fastcompany.com/embed/c0d4562ea2049

52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering
http://www.youtube.com/watch?v=vDBY0GkI3-g

Emergency swings and cutting deals as an 9 year old
http://www.youtube.com/watch?v=OFGY7v9C4G0

Hunter Pence shared thoughts before winning WORLD SERIES’ Game #7
http://www.youtube.com/watch?v=usu0luYy9pw


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NOT PEOPLE’D by a 5 Face, 1-body. BMI 333

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Oxymoron is Not Oxy No Moron youtube.com Chapter 1 to Chapter 14’s an “Easter Egg” at #ch1 to #ch14. Including #ch2 which’s chapter 2 at my house in Napa California http://www.youtube.com/watch?v=ejeIz4EhoJ0 On 09-09-39, “What They Will NEVER Teach You at Stanford Business School” debuts at 300 w 44th St at New York Fashion Week’s front rowhttp://www.youtube.com/watch?v=QXIaNZi3mHQ […]

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CS 183c Teacher Avoids the Crosshairs

February 7, 2026

– Elon Musk retweets a clip from the All-In podcast where David Sacks questions the New York Times’ lack of coverage on Reid Hoffman’s extensive Epstein ties, revealed in January 2026 document releases showing planned stays at Epstein’s island, townhouse, and New Mexico ranch. – Hoffman, a LinkedIn co-founder and major Democratic donor who has […]

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