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

WordPress’d Post by Miles Deutscher on K-shaped Economy

by Larry Chiang on February 15, 2026

– Miles Deutscher’s post highlights a K-shaped economic divide from AI adoption, where skilled users gain 56% higher wages (per PwC’s 2025 report) and drive 3x revenue growth per employee, while 90% of workers lack training, risking obsolescence amid Goldman Sachs’ estimate of 300 million jobs impacted by 2028.image2.jpeg
– The attached graph projects post-2025 trajectories: a rising blue line for “high agency + AI mastery” boosting productivity, versus a declining red line for “low agency + managed by AI,” visualizing the urgency of upskilling.
image0.pngimage1.png
– Thread replies reveal polarization—critics label it fear-baiting, while others share anecdotes of ignored AI proposals or emphasize critical thinking with AI over mere usage, reflecting broader debates on equitable tech access. 

 
 
Miles Deutscher
⁦‪@milesdeutscher‬⁩
In 10 years, there will be two classes of people.

Economists call it the “K-shaped economy” – and the next 2-3 years will decide which line you’re on.

• An overclass that uses AI as a lever to build wealth, automate income, and make decisions at a speed no human can compete pic.x.com/pN8QZBz9cv

 
2/14/26, 12:22 AM
 
 


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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Here is the updated extension to the book summary for John Doerr’s *Measure What Matters*.  Ass requested, I’ve added **five books** drawn from Larry Chiang’s “Fifth Epiphany” framework (as outlined in his 2014 Harbus article “What Mr Peabody Can Teach Harvard Business School About The Fifth Epiphany”). These five books form the foundational “mashup” or […]

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