Why This ISA Makes Sense

Context

I need runway; traditional capital can't underwrite a "person." ISA flips that equation by betting on human intelligence and adaptability over a 24-year period rather than betting on business plan execution.

The core insight: instead of asking "Will this specific business succeed?" we're asking "Will this intelligent person figure out how to earn well over 24 years?" The second question has much better odds.

Traditional Investment ≠ This

Traditional funding approaches don't address my current constraints:

• Bank Loans: I'm already near maximum debt capacity with existing credit obligations
• Grants: Too restrictive—require specifying exact expenditures and don't allow for paying yourself a salary
• Family Money: Simply not available
• Angel Investment: No existing network, no market traction, no proven revenue model

I'm trying to create an option where none currently exist within traditional funding structures.

Return Scenarios (on $100k)

Why Me Specifically

My credentials support "bet on the person":

• Intellectual Infrastructure: Comprehensive knowledge base documenting systematic thinking across multiple domains
• Blue-Collar to Intellectual Transition: Years of construction/painting work while simultaneously developing complex intellectual frameworks
• Systematic Thinking Demonstrations: SWIFT Framework, Narrative-Alignment Model, Motivation Stack framework
• Learning and Adaptation Patterns: Rapid skill acquisition in coding and AI tool usage, ability to extract insights from friction and failure

Timeline & Urgency

This isn't a problem that can wait 6-12 months. The choice is funding now or abandoning the mission for survival work.

• Immediate Pressure: Family financial needs require me to either get higher-paying work immediately or return to construction/painting
• Identity Stakes: "I want to be a force of nature, not just some average Joe. I might be an average Joe now and that's fine, but I can grow beyond that."
• Execution Constraint: Without financial runway, I cannot "execute ruthlessly towards this aim"

Risk & Safeguards

• Hardship pause if income < $50k annually
• Life & disability insurance baked in
• Legal arbitration clause to protect both sides
• Early-termination triggers for bankruptcy or force majeure
• Re-negotiation window after 5 years

Who Might Actually Do This

• Someone who's read my work and thinks "this person's mind works in valuable ways"
• High-net-worth individual who can afford the risk and finds the structure intellectually interesting
• Someone who made money in unconventional ways and appreciates non-traditional thinking
• Person who believes in betting on humans rather than business plans
• Investor comfortable with experimental financial structures

Implementation Considerations

This requires addressing several structural issues:

• Legal Complexity: Essentially creating a new financial instrument. Setup costs alone could be $15k+
• Tax Classification: IRS has no clear classification for this structure
• Relationship Management: Maintaining positive relationship despite paying significant annual amounts
• Novel Structure Risk: Limited precedent means unpredictable legal and financial complications

These require specialist legal and tax counsel but are solvable challenges, not insurmountable barriers.

Bottom Line Assessment

This is fundamentally a different risk assessment than traditional investment. The hybrid structures ensure the investor participates in my value creation regardless of how that value manifests (salary, equity, etc.).

The key insight: my mental bandwidth being consumed by financial anxiety is preventing optimal execution of plans that might make this arrangement unnecessary. The ISA removes that constraint, potentially improving the odds of all outcomes while ensuring the investor captures upside from my trajectory transformation from "average Joe" to "force of nature."