Jeff’s Working Theory
Most business advice is either too abstract or too tactical.
I write the frameworks in between—mental models that help you see patterns:
- Why your startup will fail as you scale (Prophets vs Professionals)
- What makes some time worth 1000x more than other time ($10/hr or $10,000?)
- How to land jobs you’re “not qualified” for
- Where the economy is actually heading (Investing Like It’s 1939)
I was the first analyst at Wise. Helped it to scale from 70 to 1500+ people. Co-founded Salv (AML SaaS). Now bootstrapping solo.
Before startups: telecom analyst, bank risk analyst, anti-fraud at Skype. Canadian. Based in Estonia for 16 years.
These aren’t theories. They’re patterns from actually doing it.
Personal growth

$10/hr or $10,000?
Stop optimizing your to-do list. Start optimizing your hourly worth. A simple framework to 10x your value at work and in life.

Pushing Yourself To Take Big Risks
Play it safe and you’ve already lost. This is the story of a radical decision that could have gotten me fired, but ended up defining a key part of a billion-dollar company’s culture.

How To Land Your Dream Job
Stop sending resumes. Start having coffee. An unconventional guide to landing a job you’re not qualified for.

The Most Important 0.13% Of My Month
Stop wondering where your time went. Spend one hour a month on this simple practice and it will force you to live a life you’re proud of.
Building a great organisation

An Introduction To Self Leadership
Forget empowerment. This is about real power. An introduction to the self-leadership principles that fueled Wise’s success.

Prophets And Professionals
Are you a visionary Prophet or a pragmatic Professional? The mix in your team determines whether you scale or fail.

Autonomous Teams At Scale
Everyone talks about autonomy, but few survive it. We scaled to 1,000 people by giving employees terrifying levels of responsibility.

Scooters are fun. But…
On why you should choose a company with a mission where you're convinced you're making the world a better place. And on how we work at Salv.

The Definitive Guide To Cross Team Guilds
How a small group of part-time volunteers can solve your company’s biggest problems. A practical guide to building and running cross-team guilds.

Why we don’t have a BI team at TransferWise
How I set up the analytics team at Wise (circa 2015), and how it helped Wise scale faster.

So you think you’re data driven
Every team has data but many either don’t know how to use it or misuse it for planning and setting KPIs/targets/OKRs. This guide can help. Circa 2017.
Investing

Investing Like Its 1939
You think we’re in a 2020s economy? You’re wrong. We’re investing like it’s 1939, and your portfolio is not ready.

Beyond The Beach Seychelles In The Era Of Global Sovereignty
Seychelles is more than a paradise; it’s a blueprint for the future of nations. How a tiny island could become 15x wealthier in 15 years.
Playing with AI

The Art of AI T-Shirts
From AI prompt to custom apparel. A step-by-step guide to designing and printing your own unique T-shirts for less than €20.
Startup ideas

VC Backed Careers
The most talented people are often the most overlooked. This is a plan to find them, fund them, and unleash their potential on the world.

YSAC - You Suck At Coding
Everyone sucks at coding at first. The secret to getting good isn’t practice — it’s learning how to fail faster.
Compensation

A Tech Alternative To Commission Sales
Your sales team is either full of cutthroat sharks or lazy slackers. This app forces them to be collaborative superstars.
Learning / teaching / improving education

Lean Into Learning
School’s out. Real learning is in. An idea to turn restless kids and restless experts into a powerful learning community.

Teachers Of Tomorrow's Leaders
Your straight-A student is unemployable. The skills that matter aren’t on the test. A proposal to bridge the dangerous gap between education and the real world.
Anti-money laundering (AML) & Financial Crime

Why we couldn’t ignore AML
Why, of all the problems in the world, we at Salv decided to focus on AML. And why it’s such an interesting problem to work on.

Criminals are fast. Your AML must be faster
why speed and fast feedback loops are the critical missing ingredients that are missing in most AML teams.

Can Machine Learning save AML?
About the challenges of applying machine learning techniques in the real world. [Shorter version](https://salv.com/questions-to-assess-aml-machine-learning/)