Noemi Kis✨

Founder, CEO

Serial Entrepreneur / AI enthusiast / TEDx speaker

Hey there! 👋

I write about ideas for building a microbusiness.

I used this model to build a 7-figure company and grow a community of 160K+ on LinkedIn. Now, I help non-techie execs and founders do the same.

Get the 50 high margin business ideas FREE when you join.

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AquaQuote is a global digital marketplace for buying and selling industrial water treatment products in the aftermarket space.  Brands have an opportunity to digitize their catalog and offer their products to a wider audience, while end users can easily find and purchase products via a self-service dashboard.  We focus on fast and excellent customer service and sourcing products from the best suppliers with the shortest lead times. 

Society taught us to value time over expertise.

But we’ve been measuring value all wrong.

We’ve always been taught:

→ Count the hours, not the skill
→ Pay for the process, not the outcome
→ Fast usually means carelessly done

I used to have a similar mindset before I got into business. 

That if something didn't take hours, it wasn't valuable.

But when I actually started hiring people who were both good AND fast at their job, I realized how wrong I was.

I once hired a developer who fixed a problem in 20 minutes that I'd been stuck on for 3 weeks.

And those 20 minutes weren’t just 20 minutes.

They were years of him:

→ Breaking things
→ Fixing them
→ Breaking them again

…until he could spot the issue before I even finished explaining it.

I wasn't paying for 20 minutes. I was paying for the 10 years it took him to solve my problem that fast.

So next time you hire an expert:

1. Pay for the outcome, not the hours. 
2. Ask about problems solved, not time taken.
3. Value the years of expertise, not the speed of delivery

When someone solves your problem in 30 minutes, you're not paying for 30 minutes.

You're paying for every hour they invested before you showed up.

You owe them for those years, not the minutes.

Found this valuable? Please reshare with your network! ♻️ 

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Microbusiness Ideas / AI enthusiast / TEDx speaker

Most people avoid risk because they overestimate the risk.

They don't start that business.
They don't apply for their dream job.
They don't ask out someone they're interested in.

But here's what they miss:

The downside is temporary discomfort.
The upside can change your entire life.

Think about it:

You apply for your dream job and get rejected?
→ You feel bad for a week. Then you move on.

But if you get it?  
→ You build a career you actually want.

You ask someone out and they say no?
→ Awkward for a day. So what.

But if they say yes?
→ You could meet your future partner. Build a life together.

You start a business and it fails?
→ You learn and try again smarter.

But if it works?
→ Financial freedom. Purpose that makes you excited to wake up.

This is clear:

Worst case: temporary pain, valuable lessons, you try again.
Best case: life-changing results.

Most risks aren't risky at all.

They're asymmetric bets with minimal downside and unlimited upside.

So why not just go for it.

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The hardest part of growing isn't the work.

It's leaving people behind on the way.

I've had friends criticize me for hiring a coach. 
Make judgements about "always working." 
Comment about me "changing".

The criticism is almost never coming from people ahead of you.

It's coming from people who feel left behind.

Sometimes you outgrow people and life takes you in different directions.  

You know who your people are when:

• They cheer you on when you win.
• They push you to keep going when you want to quit
• They celebrate your growth instead of feeling threatened by it.

Protect those relationships with everything you've got.

And the ones who judge you for trying?

Wish them well. And keep moving.

Your growth is a gift, and your true friends will celebrate it with you.

♻️ Share this if you needed to hear it today.

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Hard pill to swallow:

The room you're in determines the person you become.

Most people think growth is about working harder.

But growth isn't about effort. It's about environment.

→ Sit with people who gossip, you'll start gossiping
→ Sit with people who complain, you'll start complaining
→ Sit with people who dream small, you'll shrink your vision

But sit with people who:

→ Talk about ideas, not people
→ Discuss growth, not drama
→ Build futures, not excuses

And suddenly, you're not the same person.

The conversations you're in shape the thoughts you think.

The thoughts you think shape the actions you take.

The actions you take shape the life you build.

Most people are stuck because they're in the wrong rooms. I used to be same 10 years ago.

Talking about:

→ Who did what
→ What went wrong
→ Why things are unfair
→ Who's to blame

Meanwhile, the people actually winning are in rooms talking about:

→ What's possible
→ How to execute
→ Where to invest
→ What to build next

Same 24 hours.

Different conversations.

Different outcomes.

But you can't grow in rooms that talk small.

You can't build big surrounded by people who think small.

So if you want to level up, here's what to do:

1/ Audit your rooms:

↳ Where do you spend most of your time?
↳ What are the dominant conversations?
↳ Are people building or just talking?

2/ Exit the wrong rooms:

↳ Stop showing up where gossip is the currency
↳ Leave group chats that drain your energy
↳ Distance yourself from people who only discuss problems

3/ Find bigger tables:

↳ Join communities where your goals are normal
↳ Invest in rooms where growth is the baseline
↳ Surround yourself with people 5 steps ahead

Your network isn't just who you know.

It's who you become by knowing them.

So stop sitting at tables that make you smaller.

Find the room that talks about God, universe, growth, money, dreams, and goals.

Not people.

That's where your next level lives.

Found this valuable? Please reshare with your network! ♻️ 

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Taking things personally is exhausting.

For years, I did it constantly.

Someone didn't text me back? I assumed they were mad at me.

This is called cognitive distortion where your brain convinces you of something that isn't true.

Here's what helps to break the pattern:

1. Label your story

↳ It's not the event that upsets you. It's the story you tell yourself about it.

2. Questioning isn't rejection

↳ When someone challenges you, your ego translates it as an attack. Reframe it.

3. Use the 2-second buffer

↳ Give yourself space between someone's reaction and your response.

4. Focus on what you control

↳ You can't control if someone replies. You can control your next move.

Their reaction is about their world.

Not yours.

♻️ Repost if this hit home.

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Underrated growth hack:

Make mistakes at full speed.

That's where you learn to drive.

Here's what separates people who grow from people who stall:

→ Fast learners make 100 mistakes in a year
→ Slow learners make 10 mistakes in a year
→ Non-starters make zero mistakes in a year

Guess who's furthest ahead in 3 years?

The one who failed the most.

Because every mistake is a lesson you can't unlearn.

Every failure is data you didn't have before.

Every crash teaches you what the theory never could.

Think about it:

→ You don't learn sales from reading. You learn from the 50 calls that went wrong.
→ You don't learn leadership from books. You learn from managing badly and adjusting.
→ You don't learn business from courses. You learn from launching, failing, and trying again.

The pattern is always the same:

Do the thing → Fail → Learn → Do it better → Repeat

But most people get stuck at step one.

Because they're terrified of looking stupid.

Of being wrong.

Of failing publicly.

So they wait.

They prepare.

They research.

They plan the perfect approach.

And while they're perfecting their strategy in the parked car...

Someone else already crashed twice, rebuilt, and is miles ahead.

So if you want to grow faster, here's what to do:

1/ Set a failure quota:
↳ Commit to 10 failures this month
↳ Track each one and what it taught you
↳ Celebrate hitting your failure goal

2/ Build a rapid testing system:
↳ Launch weekly, not monthly
↳ Get feedback within 48 hours
↳ Iterate immediately based on what broke

3/ Stop researching, start doing:
↳ Give yourself 1 week max to plan
↳ Ship the messy version
↳ Learn from real users, not hypothetical ones

The businesses that scale fastest aren't the ones with perfect launches.

They're the ones that launched 10 times while everyone else was still planning version one.

The creators who grow aren't the ones with flawless content.

They're the ones who posted 100 times while others were perfecting their first post.

The people who win aren't the ones who never failed.

They're the ones who failed fastest and learned the most.

So stop waiting for the perfect moment.

Stop trying to avoid mistakes.

Start making them at full speed.

Because you can't learn to drive in a parked car.

You learn by crashing a few times and figuring out how not to.

That's the game.

Play it fast.

Found this valuable? Please reshare with your network! ♻️ 

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It's easy to confuse motion with direction.

You're on a path. It's moving fast. You feel productive. 

You are going somewhere.

But you never stopped to check if it's taking you where you actually want to go.

People stay in jobs that drain them because they're "making progress" in their career. They're getting promotions, raises, new titles.

It feels like progress.

People stay in relationships that don't fit because they've invested so much time. 

They're building a life together, checking boxes, moving forward.

But movement isn't the same as progress.

Progress means you're getting closer to where you want to be. 

Movement just means you're going somewhere.

The hardest thing to do is stop a moving train.

It feels like failure. It feels like starting over. It feels like admitting you were wrong.

But staying on the wrong path doesn't get easier. It just takes you further from where you need to be.

I've done this. Stayed in situations way too long because I confused momentum with meaning.

The real question isn't "Am I moving?"
It's "Am I moving toward something I actually want?"

Sometimes the bravest thing you can do is to switch direction.

P.S. Save this for later.

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I'm 12 years in to my business, and I'm not "successful" by traditional standards.

I don't wake up at 5am.
I don't have 50 employees.
I don't feel like I've made it.
I don't know my 5-year plan.
I don't have a $10M in revenue.
I don't have a morning routine.
I don't always focus on the right things.
I don't have a fancy office... I work from home.

My business and life isn't what I imagined.

But in many ways, it's better.

Because I am...

The most peaceful I've ever been.
I take vacations without guilt.
I built something that runs without me.

This is your reminder:

Build the business & life YOU want.
Not what others expect you should want.

♻️ Repost if this resonates.

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Bamboo can grow 35 inches in a single day.

But before that, it spends years underground.

Just building roots.

This is exactly how growth works in life.

---

Phase 1: The Invisible Work

You're showing up. Doing the reps. Taking action.

But nothing is happening above the surface.

Just tiny roots spreading underground where no one can see.

Most people quit here.

---

Phase 2: The Small Wins

A sprout breaks through.

You land a client. A new opportunity opens up.

Not many people notice yet. 

But you keep watering. Keep doing the work.

---

Phase 3: Explosive Growth

The big client comes through.
The investor calls back.
The opportunity you've been building toward finally lands.

People call it "overnight success."

They didn't see the time underground.

They didn't see the tiny roots.

They only see the "overnight success"

Growth is never linear.

It's invisible, then slow, then all at once.

If you're in the underground phase right now, keep building roots.

The surface will come.

♻️ Repost if this resonates

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The Japanese have this art called kintsugi.

When a ceramic bowl breaks, they don't throw it away.

They repair it with gold-laced lacquer, turning the cracks into something more beautiful than the original.

The breaks become the most striking part.

I think about the people I love most. It's never their perfection that draws me in.

It's their quirks. 
The way they stumble over words when they're nervous.
How they laugh too loud at their own jokes.

The scars from things that broke them.

That's what makes them real.
That's what makes them human.

We spend so much energy trying to hide our cracks.

Pretending we have it all together.
Smoothing over the rough edges.
Presenting this polished version of ourselves that doesn't actually exist.

But your imperfections are your story.

↳ A business failing publicly
↳ Burnout that forces you to stop everything
↳ Realizing you wasted years on the wrong path

The good that comes out of that:

• Clarity on what actually matters
• Confidence because you survived it
• A story that inspires others
  
Those aren't flaws to hide.

They're best part.


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A top life skill is getting along with people you don't like.

And most people never develop it.

Stanford professor Robert Sutton studied this for years.

His finding: dealing with difficult people drains your cognitive resources.

That's energy you could use for creative problem solving. 

You can't avoid difficult people. But you can learn to work with them.

Here's how to actually do it:

1. Find common ground in shared goals

↳ You don't need to like someone to work well together
↳ Focus on the outcome, not the personality

2. Separate personality from competence

↳ Someone can be annoying and still be good at their job
↳ Respect their skills even if you don't enjoy their company

3. Focus on what you can learn

↳ Every difficult person teaches you something
↳ Communication. Patience. Conflict resolution.

4. Keep things professional without being fake

↳ You don't have to pretend to be best friends
↳ Just be respectful and direct

Your network isn't just the people you like.
It's the people who can help you grow.

And growth rarely happens without conflict.

And that's how you level up.

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What changed my life wasn't waiting for the perfect moment.

It was starting messy.  Getting uncomfortable.

Here's what I've learned:

The gym is uncomfortable.
↳ But so is being out of breath climbing stairs.

Asking for a raise is uncomfortable.
↳ But so is watching others get promoted.

Starting a business is uncomfortable.
↳ But so is wondering "what if" for 20 years.

Having hard conversations is uncomfortable.
↳ But so is a relationship built on things left unsaid.

Just show up. Made mistakes. Learn. Repeat.

You're going to suck at first.  
Everyone does.

But here's the thing: that awkward phase where you feel like an imposter is where the growth happens.

You're learning faster than you ever have before.

The first 90 days are brutal.
You'll want to quit. 
You'll wonder if you're cut out for this.

Keep going anyway.

Picture yourself December 2026.

You've built something real. 
You've become someone different.

You're not the person who "wanted to" anymore. 
You're the person who did.

2026 is your year if you decide it is.

------

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👋 Follow for daily tips on careers, money, and personal growth.

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Hi, I'm Andrew Lokenauth. I talk about money in plain English, and over 3 million people follow my posts across social media.

My insights have been featured in The Wall Street Journal, Forbes, CNBC, Business Insider, Yahoo Finance, and more.

I bring 20 years of experience on Wall Street and in banking, including roles at Goldman Sachs, Citibank, and JPMorgan, along with a degree in finance. I use that background to break down investing and personal finance so you can make smarter financial decisions.

I’m an event-driven and macro investor. I’m also an advisor and angel investor to several startups and small businesses. I help founders scale their companies, their teams, and themselves. I also own and operate several cash-flowing businesses inside my personal HoldCo.

As a speaker, I focus on careers, leadership, and finance. My goal is always the same: deliver a clear, engaging talk that leaves people motivated and ready to act.

I write TheFinanceNewsletter.com for 100,000+ subscribers, sharing simple, practical ideas to grow your money, career, and life. You can read past issues at TheFinanceNewsletter.com.

You can find me as @FluentInFinance on all major social platforms.

I’m on a mission to make financial education easy to understand and act on. Clear and actionable.

I’d love to connect and see how we can work together. Reach me at WeCanPartnerTogether@gmail.com.

Andrew Lokenauth

Good employees don't quit jobs, they quit:
• Low pay
• Bad bosses
• Office politics
• Toxic workplaces
• Micro-management
• Feeling undervalued
• Lack of opportunities
• Zero work-life balance
It's 100% okay to leave jobs that no longer serve you.
Remember, it's important to be happy where you work. You spend a lot of time there.

I write TheFinanceNewsletter.com, trusted by 100,000+ readers➖ Follow to get smarter with your career, finances & life ➖ 20 years finance experience, trusted by 3 million+ followers.

Dear hiring managers,

Entry-level jobs should require 0 years of experience. 

Not 1 year. Not 2 years. Not 3-5 years.

If you died tomorrow, your job opening would be posted faster than your obituary.

Use your PTO and never feel guilty about it.

A job interview is basically a conversation between two liars

Take your days off. Use your PTO and never feel guilty about it.

Underrated career advice: Don’t trust your coworkers

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