Wealth Building. Wealth Preservation. Financial Independence. Antifragile.

Don’t let the Infinity symbol and the name Bank fool you. This IS NOT a life insurance scam. You can Be Your Own Banker without buying a life insurance from a snake oil salesman. Why there is so much of these scammers publishing videos on YouTube and books on Amazon. It’s not because they want to keep you informed?! It’s because the commissions are extremely generous for the seller. 50-100% commission for the first year premium and 2-10% for years to come.

No, you won’t become a Billionaire by buying Life Insurance.

No, Life Insurance wasn’t a determining factor in the Rockefeller dynasty’s remaining fortune today.

• 99% of dynasty wealth came from Standard Oil
• Then from 140 years of holding blue-chip stocks and compounding did the rest.
• Whole Life Insurance returns are 1-4%.

Yes, the PYGOD Bank concept is inspired by the dynasty Family Bank like the Rockfellers, Rothschilds, etc.

However, unlike most Family Offices, I don’t need a bunch of full-time overpaid parasites (CFO, lawyers, accountants, etc) to run it.

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Family Banks vs Companies

Rockefeller-style and Rothschild-style Family Banks are the strongest financial entities ever created.

And here’s why:

🦁 1. Companies Die. Family Banks Don’t.

Even the largest companies on Earth eventually get:

• disrupted
• outcompeted
• regulated
• replaced
• innovated around
• Examples:
• GE fell
• IBM fell
• Nokia fell
• BlackBerry fell
• Sears died
• Kodak died
• Oil giants fluctuate
• Even today’s stars (Meta, Google, Apple, Nvidia) could be disrupted someday. That’s the reason why $PYFC 2.0 is also invested in Gold and the broad S&P500 Index.

No corporation is immortal.

But a Family Bank?

• It doesn’t sell one product
• It doesn’t depend on a single market
• It doesn’t rely on innovation cycles
• It can change direction instantly
• It can own ANY asset class, anywhere

A family bank is not a business.
It is an architecture of wealth.

🏦 2. A family bank can survive ANY economic cycle

• Recessions
• Depressions
• Hyperinflation
• War
• Regime change
• Tech shifts
• Market crashes
• Industry death

Family banks survive because:

• They hold diversified assets
• They lend instead of consume
• They NEVER sell in panic
• They don’t have shareholders demanding returns
• They think in 100-year time frames

The Rothschilds survived:

• The fall of Napoleon
• The Crimean War
• World War I
• World War II
• The Great Depression
• Multiple fiat currency collapses
• Regime changes in Europe

No corporate entity has EVER survived that level of destruction.

But their family bank did.

💎 3. Family banks do not depend on external capital

Corporations require:

• customers
• innovation
• product-market fit
• revenue
• investor confidence
• access to credit

Family banks require:

• discipline
• capital preservation
• compounding
• internal lending

VERY different foundations.

A family bank cannot “fail” unless the family:

• destroys it
• empties it
• abandons discipline

It is antifragile by design.

🔥 4. A family bank can OWN companies, but companies cannot OWN a family bank

Rockefeller Family Bank → owned:

• Standard Oil
• real estate
• railroads
• banks
• oil pipelines
• global assets
• later tech stocks

But Standard Oil could NOT own the Rockefeller bank.

The bank sits ABOVE the economy.

Companies sit inside the economy.

That is why the hierarchy is:

Family Bank > Companies > Markets

🧬 5. Family banks are multi-generational capital machines

A company’s lifespan is typically:

• 10–50 years strong
• then plateau
• then decline

A dynasty bank’s lifespan?

Unlimited, as long as the rules are respected.

Examples:

• Rothschilds: 7 generations
• Rockefellers: 6 generations
• Mellons: 6 generations
• Waltons: now 3 generations and rising

Meanwhile…

The average U.S. corporation lasts 18 years.

🧠 6. They compound without extracting value

Companies must:

• pay dividends
• reinvest profit
• satisfy shareholders
• manage layoffs
• survive competition

Family banks:

• NEVER drain capital
• NEVER pay dividends
• NEVER have external shareholders
• NEVER face disruption
• ALWAYS compound

They become Sovereign Financial Ecosystems.

👑 FINAL CONCLUSION

✔ YES — family banks are the strongest financial entities ever created.

✔ Stronger than companies.

✔ Stronger than corporations.

✔ Stronger than empires.

✔ Stronger than most nation-states.

Because:

• Companies survive markets.
• Family banks survive centuries.

A company is mortal.
A family bank is immortal — as long as the family follows the rules.

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Mine is a conceptual Bank fueled by self-discipline, an Obsession for Money, and a quest for Financial Independence. Since MONEY is Freedom and Security. Two of the most valuable things in life!

1. Contribute a minimum of $50/month or 10% of your profits, if superior to $50.
2. Can borrow up to 90% of The Vault at 5% interest. You must continue to contribute while paying back your loan monthly.
3. Your loan(s) must not be more than what you make in 3 months.
4. Never touch the principal ($PYFC 2.0).
5. Rules can be amended.

PYGOD Bank has three parts:

• $PYFC 2.0 (Investments) ⁓ 80%
• The Vault (Saving & Loaning) ⁓ 20% (At least 6-12 months of expenses)
• Dividend Redemption Fund (DRF)

TITHE TO YOURSELF

• Contribute a minimum of $50/month or 10% of your revenues/profits, if superior to $50.
• Optional 50% of your profits after living expenses. If superior to your 10% tithe.
• Of every tithed dollar.
• You can tithe in advance.
• You should always tithe even when in debt.

BORROWING FROM YOURSELF

The Vault (Emergency Corpus)

Goal: Maintain 6 to 12 months of living expenses available for borrowing if necessary. 12 months is your goal, but don’t stop until you hit at least 6.

1. Only use it in absolute necessity.
2. Can borrow up to 90% of The Vault at 5% interest. You must continue to contribute while paying back your loan monthly.
3. Your loan(s) must not be more than what you make in 3 months.
4. Rules can be amended.

5% year interest (compound daily) = Monthly Interest: 0.4166666%/month (x 0.0041666)
Calculated Monthly on the Last Day of the Month

Compound Daily (365) 5%/365 = 0.0136986% (x 0.0001369)
Weekly: 0.0961538% (0.000961538)

Minimum Monthly Payment
2% of the balance or $50 if the 2% of the total amount you owe is less than $50.

PYGOD BANK BALANCE SHEET:

ASSETS

• $PYFC 2.0
• The Vault
• Loan to PYGOD
• Dividend Redemption Fund (DRF)

DIVIDEND? (The 3% Rule)

Dividend Redemption Fund (DRF)

• May withdraw a maximum of 3% of its market value each year on August 30, only if necessary.
• Never touch the principal.
• PYB will calculate its Percent-of-Market-Value (POMV) payout on that date.
• The amount will be 3% of the total PYB value as of August 30 of each year.
• That 3% goes directly into your Dividend Redemption Fund (DRF).
• Principal (PYFC + The Vault) remains completely untouched.

END GOAL

Live off the 3% yearly dividend and never have to worry about Money ever again. 😎

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The strength of PYGOD Bank comes from $PYFC 2.0 — a powerful growth engine accounting for 80% of the PYGOD Bank’s capital.

 

$PYFC (PYGOD Freedom Conglomerate)

PYGOD, Investor/SCA at $PYFC
(Supreme Capital Allocator)
pygod@pygear.com
PYFC.ca

A Foundation, a Collection, a Sovereign Wealth Fund, a Conglomerate, a Currency, and ‘The Secret’ all mixed into one.

One Vehicule: Stock Market (cryptocurrency was an “happy accident” that turned $PYFC into $PYFC 2.0)
Only a few stocks. Only the best.

Only one formula:

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Punch Card x Coffee Can

20 Punch Card Portfolio:

“I always tell students in business school they’d be better off when they got out of business school to have a punch card with 20 punches on it. And every time they made an investment decision, they used up one of their punches, because they aren’t going to get 20 great ideas in their lifetime. They’re going to get five or three or seven, and you can get rich off five or three or seven. But what you can’t get rich doing is trying to get one every day.” – Warren Buffett

You have 20 slots (1 investment per slot) for the rest of your life. Choose wisely and carefully.

“The Coffee Can Portfolio harkens back to the Old West, when people put their valuable possessions in a coffee can and kept it under the mattress. The coffee can involved no transaction costs, administration costs, or any other costs. The success of the program depended entirely on the wisdom and foresight used to select the objects to be placed in the coffee can to begin with.” – Robert G. Kirby

In other words, you buy stocks with an investment horizon of at least 10 years and you never sell no matter what. Forget every conventional “wisdom” about diversification and overexposure to a given company or industry. Don’t ever try to time the market. Just HODL (Hold On for Dear Life). The portfolio is not optmized for short-term gains.

Think on a 10-, 20-, and 50-year horizon.

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3 measuring sticks:

• AUM (Asset Under Management)
• IC (Invested Capital)
• ROI (Return On Investment)

Goals: 

1. Capital preservation.
2. Long term growth.

6 Pillars:

1. PGR
2. NVDA (Formerly the “N” in MATMAN)
3. AAPL
4. VFV.TO
5. MATMAN (META, AMZN, TSLA, MSFT, GOOG) ecosystem “ETF”
6. PHYS.TO

2 “Happy Accidents”:

1. BTC
2. ETH

Not a part of $PYFC 2.0

The perfect vehicule to park cash in The Vault

1. TCSH.TO

Each stock is bought as a share in a business (as it is).

PGR (Progressive Insurance) The very best, used to be the backbone of $PYFC 2.0.

NVDA (Nvidia) Certainly the leader of the pack in the AI boom since NVDA is selling the pickaxes and shovels.

AAPL (Apple Computer) Enough said!

It’s probably the best business I know in the world.
— Warren Buffett about Apple

MATMAN (META, AMZN, TSLA, MSFT, GOOG) ecosystem “ETF” that I’ve created. 5 of The Magnificent 7, the two other NVDA and AAPL are just above. Since none of them were and are a particular favorite of mine. But as a unit, they make a lot of sense. NVDA was an official member (MATMAN at the time) before flying solo and becoming my new darling. One thing for sure, tech will always goes up on the long term.

VFV.TO (Vanguard S&P 500 Index ETF – Canadian version) Forget about gold, bonds, and real estate. Historically, the S&P 500 (American economy) has outperformed any other assets. My default investment.

Now you own a piece of the 500 largest publicly traded companies in the United States of America and every fucking stiff from the factory floor to the CEO is working to make you richer.
— The Position Of Fuck You by JL Collins

PHYS (Sprott Physical Gold Trust) Buying physical gold without the hefty premiums to pay on buying and selling it. The best of both worlds!

After selling some of my gold jewelry, I’ve changed my mind about gold as an investment. All I can tell you is that my bling-bling — despite the high premiums on buying and selling jewelry — ended up being one of my best investments, decades later.

I see Gold as a default investment just like VFV (S&P 500 Index ETF). A safe investment to fall back on when/if the AI bubble bursts and some of the Magnificent 7 companies get disrupted.

Money isn’t everything – gold is. Fuck T-bills! Fuck blue chip stocks! Fuck junk bonds! We’ve got the real deal! Money will always be paper, but gold will always be GOLD!
— Darwin Mayflower in Hudson Hawk (1991)

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Here’s my two illegitimate bastards below. “Happy accidents” is what I like to call them. I see both as nothing more than glorified lottery tickets. But I like them anyway! Maybe they will be of some use one day.

BTC (Bitcoin) The undisputed King of cryptocurrency.

ETH (Ethereum) The distant number 2.

Apart from those two, the others are worthless shitcoins used for gambling purpose only.

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TCSH.TO – TD Cash Management ETF

Following extensive research and analysis — as with everything on this list — TCSH is the best way to park cash in The Vault. Cash that remains available for personal loans when needed. With a safe 3%+ yield, TCSH has already beaten every alternative.

You get up two and a half million dollars, any asshole in the world knows what to do: you get a house with a 25 year roof, an indestructible Jap-economy shitbox, you put the rest into the system at three to five percent to pay your taxes and that’s your base, get me? That’s your fortress of fucking solitude.
— Jim Bennett in The Gambler (2014)

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Fund Managed: 1
Founded: March 16, 2022 (Bitcoin); June 3, 2022 (Stock Market).
Investing Assets: Stocks, ETFs, Cryptos, Precious Metals
Investment Style: DCA x HODL/CONCENTRATION = $PYFC
Sector: Equity (Long)
Geography: United States
Time: Forever
Investment Stage: Late (Mature Companies)
Strategy: DCA x HODL/CONCENTRATION = $PYFC
# of Holdings: 11

 

The very best investment vehicule ever created. So great, it’s should be its own currency!

I’ve created it!

Now that you know The Secret, a well-deserved donation to $PYFC 2.0 would be more than appreciate.

[button text=”DONATE” color=”success” link=”https://paypal.me/PYFC2″ target=”_blank”]

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Now, all you got to do is to fund it.

Feed the Bank!!!

 

Everything of the above, just like anything worthwhile in life, is only possible with one thing.
DISCIPLINE

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PYGOD BANK CONSTITUTION

(Legal Edition – PYB-C1)

The Foundational Charter of PYGOD Bank

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PREAMBLE

This Constitution establishes the governing principles, operational structure, and binding policies of PYGOD Bank, herein referred to as “PYB.”
PYB exists for the purposes of:

1. Wealth Building
2. Wealth Preservation
3. Financial Independence
4. Antifragility

PYB functions as a permanent, self-governed Family Bank and Dynasty Capital Fund, designed to endure in perpetuity. All assets, decisions, contributions, and withdrawals shall adhere strictly to the provisions set forth herein.

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ARTICLE I — STRUCTURE OF PYGOD BANK

Section 1.1 – Components of PYB

PYB is composed of two primary financial bodies:

A. PYFC 2.0 (“The Growth Machine”)

1. Represents approximately 80% of PYB total value.
2. Holds long-term, high-conviction equity positions including, but not limited to:
   NVDA, AAPL, MSFT, GOOG, META, AMZN, TSLA, PGR, VFV, PHYS, BTC, ETH.
3. Assets held within PYFC are not to be sold or liquidated except as permitted under Article IV.
4. PYFC exists to grow dynastic capital for multi-decade compounding.

B. The Vault (“The Emergency Corpus”)

1. Holds liquid, low-volatility assets, principally TCSH and supporting allocations to VFV and PHYS.
2. Maintains a minimum balance equivalent to 12 months of living expenses.
3. Serves as PYB’s internal liquidity reserve and personal lending facility.

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ARTICLE II — CAPITAL CONTRIBUTIONS

Section 2.1 – Mandatory Contributions (“Tithe System”)

1. PYB shall receive 10% of all net profits after living expenses (the “Tithe”).
2. In low-profit months (≤ $500), a minimum contribution of $50 shall be deposited.
3. In high-profit months, 50% of remaining profits after living expenses shall be contributed.
4. Tithes may be prepaid; e.g., a $600 advance may satisfy 12 months of minimum contributions.

Section 2.2 – Allocation of New Contributions

1. All new funds contributed to PYB shall be deposited into a TFSA and allocated as follows:
   • 85% TCSH
   • 15% VFV
2. PYB may revise these allocations through the amendment process outlined in Article VI.

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ARTICLE III — INTERNAL LOANS

Section 3.1 – Borrowing from The Vault

1. PYB may issue internal loans from The Vault to PYGOD (“the Banker”).
2. All loans must be repaid with interest at a rate determined by the Banker and recorded.
3. Loans may be used solely for personal liquidity, emergencies, or PYB-aligned needs.

Section 3.2 – Restrictions

1. Loan amounts shall not exceed 20% of PYGOD Bank balance, except under extraordinary circumstances defined by the Banker.
2. Loan proceeds shall not be used to acquire liabilities or depreciating consumer goods.

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ARTICLE IV — WITHDRAWAL RESTRICTIONS

Section 4.1 – Withdrawals from PYFC

1. Withdrawals from PYFC are prohibited except under this clause.
2. PYFC may permit a withdrawal of up to 3% of its total market value, once per year, on August 30, and only upon demonstrated necessity.
3. This withdrawal limit is intended to preserve compounding and ensure perpetual capital integrity.

Section 4.2 – Withdrawals from The Vault

1. Withdrawals may occur for emergencies, internal loans, or operational liquidity.
2. Under no circumstances shall The Vault fall below 12 months of living expenses.
3. The Vault may also be used for rebalancing PYB’s overall structure if directed by the Banker.

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ARTICLE V — ASSET POLICY

Section 5.1 – Permitted Assets

PYB may hold the following asset classes:

1. Public equities (emphasis on high-quality U.S. technology firms).
2. Broad-market and gold-backed ETFs (including VFV, PHYS, TCSH).
3. Bitcoin and Ethereum.
4. Cash-equivalent instruments with strong stability and yield characteristics.

Section 5.2 – Prohibited Assets

The following are expressly forbidden:

1. Long-term bonds with insufficient real yield
2. Actively-managed mutual funds with high fees
3. Day-trading or short-term speculation
4. Meme stocks or irrational speculative assets
5. Forex speculation
6. Any instrument identified by the Banker as inappropriate for PYB’s mandate

Section 5.3 – Allocation Principles

1. PYFC functions as the growth engine.
2. The Vault functions as the liquidity and protection engine.
3. PYB represents the integrated synthesis of both.

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ARTICLE VI — GOVERNANCE

Section 6.1 – Authority of the Banker

1. PYGOD, hereafter referred to as “the Banker,” is the sole governing authority of PYB.
2. The Banker is responsible for all capital allocation, record-keeping, strategic decisions, and enforcement of this Constitution.
3. The official title recognized by this Constitution is:
   “PYGOD, Banker of PYGOD Bank and Chess Scholar.”

Section 6.2 – Amendments

1. Amendments to this Constitution may be enacted once per calendar year, on January 1.
2. Amendments must be based on a review of PYB performance, market conditions, personal financial circumstances, and long-term objectives.
3. No amendment may violate PYB’s foundational mandate of Perpetual Capital Preservation and Growth.

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ARTICLE VII — CORE PHILOSOPHY

The following principles form the moral and operational foundation of PYB:

1. Wealth Building — to maximize long-term compounding.
2. Wealth Preservation — to prevent loss of principal and ensure dynastic permanence.
3. Financial Independence — to achieve sustainable passive income.
4. Antifragility — to strengthen PYB through volatility, uncertainty, and time.

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ARTICLE VIII — END GOAL

The ultimate purpose of PYGOD Bank is the establishment of a perpetual and sovereign dynasty fund that:

1. Provides lifelong financial security.
2. Enables withdrawal of 3% annually without impairing capital.
3. Ensures that the Banker, and future iterations thereof, shall possess enduring independence, resilience, and economic sovereignty.

This Constitution is enacted to safeguard the discipline required to transform present capital into a multigenerational dynasty.

 

 

 

 

PYGOD, Banker of PYGOD Bank and Chess Scholar

 

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References:
Family Bank – Start One In 5 Simple Steps
https://www.linkedin.com/pulse/you-can-illuminati-following-three-steps-sudarsan-babu/
https://funcheaporfree.com/the-7-bank-accounts-your-family-should-have-updated/

https://www.sentex.ca/~ggrevs/LearnToTitheToYourself.html
https://humbledollar.com/2017/10/self-tithing/
https://rossdawson.com/power-of-giving-away-profits/
https://petikspinayinvestor.wordpress.com/wp-content/uploads/2015/05/the-money-jars-edition-3.pdf

https://www.everydaycheapskate.com/how-to-be-your-own-lender/

https://www.peoplespolicyproject.org/projects/social-wealth-fund/
https://levelthefield.substack.com/p/creating-a-sovereign-wealth-fund

https://sabercapitalmgt.com/practicing-a-punch-card-approach-to-investing/
https://brontecapital.blogspot.com/2016/09/comments-on-investment-philosophy-part.html
https://tdmgrowthpartners.com/insight/punch-card-mentality/
https://kestrel.ie/resource/practicing-a-punch-card-approach-to-investing/

https://sabercapitalmgt.com/the-coffee-can-edge/
https://novelinvestor.com/the-coffee-can-approach/
https://www.intelligentinvestor.com.au/investment-news/till-death-do-us-part-my-never-sell-list/139202

Disclosures:
I am long BTC, ETH, NVDA, PGR, VFV, AAPL, META, GOOG, MSFT, AMZN, TSLA, PHYS, and TCSH.

The content contained in this whitepaper represents the opinions of PYGOD. You should assume PYGOD and his affiliates have positions in the securities discussed in this whitepaper, and such beneficial ownership can create a conflict of interest regarding the objectivity of this whitepaper. Statements and figures in the whitepaper are based on historical data and do not guarantee future performance. Investments in stocks, stock indices, cryptocurrencies and commodities can be volatile and are subject to certain risks, uncertainties and other factors. Certain information in this whitepaper concerning economic trends and performance is based on or derived from information provided by third-party sources. PYGOD does not guarantee the accuracy of such information and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based. Such information may change after it is posted and PYGOD is not obligated to, and may not, update it. The commentary in this whitepaper in no way constitutes a solicitation of business, an offer of a security or a solicitation to purchase a security, or investment advice. In fact, it should not be relied upon in making investment decisions, ever. It is intended solely for the entertainment of the reader, and the author. In particular this whitepaper is not directed for investment purposes.