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"

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In The Media

Okay Be Dumb and Have Discipline

by Larry Chiang on June 20, 2026

Why Smart People “Fail”: Closing the Habit Gap with Tiny Changes, Miraculous Mornings, and Practical Discipline

The observation feels familiar: exceptionally intelligent, high-achieving people often struggle while more “average” or “mid” individuals climb to director roles, build families, take great vacations, and appear to thrive. A Reddit post in r/redscarepod captured this perfectly: the high school valedictorian is unemployed; the friend who skipped grades and attended MIT for math is now a beach bum bartender in Florida; the poster themselves feels burned out despite financial options to opt out; meanwhile, everyday peers advance through consistent execution. Every truly bright person studied something serious at a good school and ended up unemployed or lost in esoteric passion projects. The question: Has it always been this way, or is society “especially cooked rn”?

X user Larry Chiang (@LarryChiang) quoted the post with the wry caption “A tale ass old ass time” — a slangy nod to the timeless nature of the pattern. Intelligence alone doesn’t guarantee outcomes. The differentiator often lies in habits — the invisible systems of daily behavior that compound over time. “Mid” people frequently win through consistent action, self-promotion, networking, and bias toward execution, while high-IQ individuals may overthink, burn out, pursue perfection, or default to passive or scattered efforts.

image0.jpeg

This essay expands on that Reddit insight by weaving in practical wisdom from BJ Fogg (Tiny Habits), Hal Elrod (The Miracle Morning), and Larry Chiang’s real-world X posts on breaking negative patterns and building sustainable routines. The core thesis: Smart people don’t inherently fail; many simply lack (or haven’t built) the habit architectures that turn potential into consistent results.image1.jpeg

The Habit Gap: Intelligence vs. Execution

High intelligence correlates with better average life outcomes statistically, but anecdotes and observations reveal a gap. Smart individuals often excel in structured academic environments where rules are clear and feedback is immediate. In the messy real world, success rewards bias to action, resilience through repeated small efforts, likability/networking, and the ability to sell oneself or one’s ideas.

Commenters on the Reddit thread noted traits like “extreme bias to action” in successful peers — people who follow through on ideas without overanalyzing risk/reward endlessly. Smart​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​


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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Selective Serotonin Reuptake Inhibitor WordPress Article by Larry Chiang, 650-283-8008

June 18, 2026

SSRI stands for Selective Serotonin Reuptake Inhibitor. SSRIs are a class of medications primarily used as antidepressants. They are one of the most commonly prescribed types of antidepressants because they tend to be effective and have a better side effect profile than older antidepressants. How they work: Serotonin is a neurotransmitter in the brain that […]

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Deeply Understanding Capital Knowledge

June 18, 2026

Deeply Understanding Capital: Knowledge as the Foundation of Prudent Wealth-Building Capital is more than money in a bank account or shares on a screen. It represents stored productive capacity—human effort, resources, and time crystallized into tools, businesses, real estate, or financial claims that can generate future value. Deeply understanding capital requires moving beyond surface-level returns […]

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microSTRATEGY’s macroSTRATEGY

June 18, 2026

STRC just hit a new low at $85 and this IS NOT Bitcoin failing… it’s the market correctly pricing the difference between Bitcoin and Bitcoin-flavored corporate paper. I’ve said it before: Saylor has been one of the most aggressive and effective Bitcoin accumulators in the Rezo🛡₿RRR (@rezosh) x.com WordPress’d from my personal iPhone, 650-283-8008, number that Steve […]

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Lyn Alden on Duck9’s WordPress

June 18, 2026

@BitPaine Because STRC does have some tail risk associated with it, both in terms of the dividend and the price itself, and not everyone wants to put their house on the line. Someone would have to weigh their perception of that risk vs the baseline good returns that *should* come from it. Lyn Alden (@LynAldenContact) […]

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Mostbet Platformasının Tam İcmalı – Mostbet Nədir və İnterfeysi Necə Görünür?

June 18, 2026

Mostbet Platformasının Tam İcmalı – Mostbet Nədir və İnterfeysi Necə Görünür? Mostbet Platformasının Tam İcmalı – Qeydiyyatdan Çıxışa Qədər Mostbet, Azərbaycanda məşhur olan onlayn platformadır və bu icmalda sizi A-dan Z-yə qədər bütün proseslə tanış edəcəyəm. İstər yeni istifadəçi olun, istərsə də təcrübəli, burada hər addımı ətraflı təsvir edirəm. Platformanın əsas xüsusiyyətlərini, qeydiyyatı, bonusları və […]

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Marco Foster

June 18, 2026

Kyle Kulinski: “Tax every penny in net worth somebody has over $999M at 100%. It’s a no billionaires tax, no trillionaires tax. We’ll send you a fucking plaque in the mail that says I won at capitalism. We already have Gilded Age level income and wealth inequality. I’m surprised Marco Foster (@MarcoFoster_) 7K likes · […]

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When Women are Done with Short Term Dating in an Unfamiliar Environment and Familiar

June 18, 2026

When Women are Done with Short Term Dating youtu.be 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 […]

Read the full article →

Kevin Malone on Day 17 #34DaysOfGrok4atAMCTheatres

June 17, 2026

If you owned 50% of AMC in 2020 and never bought additional shares, you would own only about 0.37% of the company today. Adjusted for AMC’s 1-for-10 reverse split and the economic dilution from APE issuance/conversion, AMC’s share count has increased by roughly 137x since January Kevin Malone (@Malone_Wealth) 223 likes · 75 replies x.com […]

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Nick James and Larry & Derrikcck on cs 183d, Distribution

June 17, 2026

once you understand that distribuition is the ultimate skill to learn is the day you will stop being broke. because, nobody cares you came up with an original idea that never got a single pair of eyeballs on it, instead of your friends and fam. the world does need more Nick Lawton (@nicholasnlawton) 360 likes […]

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