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Episode
How to earn millions away from the media and the state? Oskar Wojciechowski
~86 min
Episode Brief·YouTube

How to earn millions away from the media and the state? Oskar Wojciechowski

Cyprian Majcher
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TL;DR

The four things you'd lose by not watching

4 items

TL;DR

The four things you'd lose by not watching

4 items
1

At age 13, Oskar Wojciechowski built an MP3 search engine and earned 100,000 PLN in a single month from affiliate ads, using his aunt's bank account because his parents refused to open one.

2

He discovered that banks were not refunding proportional loan commissions upon early repayment, sued them, and after a 2019 EU Court of Justice ruling, banks returned over 2 billion PLN to consumers.

3

After a partner's betrayal and systemic pushback from banks, he built an AI-driven system to process thousands of loan claim cases with just two lawyers, but eventually sold the company cheaply to keep the cases alive.

4

He spent three years isolated developing a trading algorithm using machine learning, analyzing nanosecond market data, and now seeks to share it via a community rather than a regulated fund.

What's new

Personal practice updates, fresh positions, predictions

1 item

Instagram as essential business and education tool

early in the interview, after the intro

Oskar reversed his previous stance and now believes every entrepreneur must use Instagram to build connection, share knowledge, and acquire customers.

Why this matters: He previously said social media was not his world; now he argues that avoiding it means missing the primary discovery and trust-building platform of today.

Background

A year earlier he told a journalist that social media was not for him. He changed his mind after observing how his mother's small kebab shop gained queues from Instagram promotion, and how his wife uses Instagram for everything from hotel searches to learning how to change a tire.

Oskar explains that Instagram has evolved from a photo-sharing app into a search engine, educational platform, and marketing tool. He gives the example of his wife: she doesn't use Booking.com or Google to find hotels; she browses Instagram. She learns how to bake a cake or fix a car via Reels. For business, he argues that showing the behind-the-scenes process of building a company creates a bond with potential customers. He started his own Instagram to share his real experiences and knowledge, and was surprised by the impact: a simple post about overpaying a mortgage led to messages from people thanking him because they had never considered it and were now saving years of interest. He sees it as a way to have a real, positive influence on people's lives, even if the topic seems trivial to him. He also notes that many public figures privately agree with his views but won't say them publicly because they fear losing sponsors or audience.

Personal experience

He recounts how his mother's small village kebab shop got long queues after being promoted on Instagram, while the actual location was unremarkable. He also shares that after posting about mortgage overpayment, he received many messages from people who started overpaying and were already seeing results, which gave him a sense of meaningful impact.

Once upon a time, Instagram was like, oh cool, a girl took a photo of herself traveling or something, and today Instagram has become a place of knowledge, education, and a marketing tool in and of itself.

Also said
“I brought up the topic of overpaying a mortgage, which is an obvious matter in my eyes and probably to many people, and I got so many messages, 'Jesus, Oskar, thank you. I never looked at it that way, and now I'm overpaying my mortgage and it's great, because we're already seeing the first effects, that we might pay it off three years earlier or something.'”— Shows the tangible impact of his educational content on followers' financial decisions.
“Many public figures who conduct their activities the way they do, they'll give me a high five and say: 'You speak very well, but I will never say it on my channel, because I know it could turn against me.'”— Highlights the self-censorship among influencers due to fear of backlash, which he claims to reject.

Recommendations

Products, supplements, and tools mentioned in the episode

3 items

Use AI tools (ChatGPT Pro, APIs, custom models) for business and research

Practice

Oskar uses AI extensively and believes it is essential for staying competitive. He recommends others do the same.

He specifically mentions using ChatGPT Pro with extended reasoning, API integrations, and Visual Studio plugins. He also uses a swarm of AI agents. He argues that those who don't adopt AI will be excluded from the job market. He demonstrates its power by comparing his solo output to a hypothetical 20-person team working for 60 years.

vs alternatives

Compared to hiring large teams of programmers and analysts, AI is faster, cheaper, and enables solo entrepreneurs to achieve unprecedented scale.

Personal experience

He personally used AI to write millions of lines of code, automate lawsuit generation, and manage thousands of cases. He also uses AI agents that work 24/7 on goals.

Today, with artificial intelligence, you are able to do alone as much as never before.

Also said
“I hooked up a plugin to Visual Studio for programming. I use APIs from various latest tools.”— Specifies the tools he integrates.
Find Use

Avoid cryptocurrency trading; focus on regulated markets

Practice

He explicitly states he does not deal with crypto and advises against it, favoring regulated exchanges.

He believes crypto markets are small, manipulable, and lack the oversight of traditional markets. He also argues that no government will allow a decentralized currency to threaten its monetary sovereignty. He sees more reliable opportunities in regulated equities and derivatives.

vs alternatives

Regulated markets offer transparency, legal recourse, and less manipulation compared to crypto, in his view.

Personal experience

He has never invested in crypto and built his entire trading system on regulated market data.

I don't deal with crypto at all. I don't need it for anything.

Also said
“No government, no country will cede power to something over which it has no control.”— Reinforces his geopolitical rationale.
Find Avoid

Visual Studio with AI plugins

Tool

He mentions using Visual Studio with an AI plugin for programming as part of his development environment.

Personal experience

He used it to write and test millions of lines of code for his trading algorithms.

I hooked up a plugin to Visual Studio for programming.

Find Visual

Notable quotes

Lines worth pulling out — contrarian, specific, or perfectly phrased

6 items
People are interested in where the queue for a kebab is and which kebab to choose, and they can spend an hour or two watching YouTube on it, but not take an interest in fundamental matters.
Bluntly captures his frustration with public priorities and lack of financial literacy.
Thanks to our case, in 2019 banks, under pressure from WOK, returned over 2 billion PLN to people from those unaccounted proportionally commissions.
Quantifies the real-world impact of his legal battle against banks.
I have my Lamborghini with an almost six-liter engine. It burns 30 liters after all. I can drive it because it has a Euro 6 sticker, and those people were told they can't drive their old Dacia, because ecology all of a sudden.
Vivid illustration of perceived hypocrisy in environmental regulations that favor the wealthy.
Many people don't understand that feeling when ambition keeps you awake.
Succinctly describes his relentless drive that defines his career.
Success is when you tell yourself that you are happy and fulfilled with what you have done, what you have earned. ... Today, success for me is precisely not having to go to the office in a uniform at 7:00 a.m., but walking barefoot on the lawn in the morning.
Redefines success away from wealth toward personal freedom and simple pleasures.
Money was never a goal in itself for me. ... I always had some idea, I wanted to change something, I wanted to improve something. It was often a side effect of certain actions.
Clarifies that his motivation is ideological, not purely financial, despite his wealth.

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Topics covered

instagram-for-businessbank-commission-refundsinterest-on-commissionai-solo-entrepreneurmarket-microstructuremicro-edges-tradingparenthood-conditionsbusiness-unpredictability-polandfinancial-educationcrypto-avoidancefreedom-and-controlsuccess-and-ambitionmachine-learning-automationswarm-ai-agentsenvironmental-hypocrisy
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