The Ever-Expanding Worldview

When we grow up, we slowly expand our knowledge and start connecting the dots. At some point, we’re shaped enough to have a worldview and self-aware enough to recognise its limits.

The other day we had a parents’ day at my one-year-old’s daycare. I ended up chatting with another dad who asked me what I do. I told him that I sold my fintech company and that I’m working on the next thing.

He went on to tell me he finished university, got hired by a large corporation, and now commutes two hours every day to work. He seemed genuinely happy. Then he asked me what my background is.

I told him I don’t have any formal education in tech or finance. Actually, no university degree at all.

That’s when his worldview cracked. He was shocked, truly shocked, and a stream of questions followed:

But how can you work with technology without an education?

How can you work with finance without education?

Somehow his path through the Danish school system had created a worldview where every person followed more or less the same path as he did. Where learning only happens in school.

So, naturally, I told him about my new startup, that we’re creating a medical device for type 1 diabetes.

His jaw literally dropped to the floor and the conversation ended shortly after, but the interaction stuck with me because it was such a clean example of two very different worldviews colliding.

This got me thinking about a Steve Jobs quote that has helped me see that most boundaries in life are entirely imaginary and that you can redraw them whenever you want.

“Everything around you that you call life was made up by people that were no smarter than you — and you can change it. You can influence it. You can build your own things that other people can use.”

Go change the thing that annoys you.

Invent the thing that needs inventing.

Expand your worldview, and bend the world a little in your direction.

Stadion ved Hasle Skole

Denne side er en del af overblikket over løbebaner i Aarhus.

Adgang: Der er fri adgang fra Herredsvej, både gennem et indrammet hul i hegnet (som man kender det fra andre fodboldbaner) og via en “sluse” i hjørnet. Benyttes formentlig af skolen i skoletiden til idræt, men ellers nok ledig.

Løbebane: Banen er 400 meter lang med grusbelægning. Den er forholdsvis godt vedligeholdt, selvom der i den ene ende er en smule græs, der forsøger at bryde igennem gruset.

Tak til Lukas Holgersen for at besøge stadion og beskrive forholdene. Beskrivelsen er fra søndag d. 6. juli 2025 og Lukas giver banen 7 ud af 10! Jeg besøgte selv Hasle Stadion d. 28. juli 2025, hvor billederne er fra.

Løbebaner i Aarhus

Sidst opdateret: 14. august 2025.

I 2025 findes der ikke en oversigt over løbebaner i Aarhus. Før nu! Jeg har gennemtrævlet satellitbilleder af Aarhus. Spurgt ChatGPT. Søgt på Google. Besøgt baner. Nu er den her. Den komplette oversigt over løbebaner i Aarhus.

Noter

Viby Stadion

Adgang: Der er offentlig adgang. Der er intet hegn eller lignende. Jeg har spurgt Aarhus 1900 Atletik, som skriver følgende: “Der er offentlig adgang – men er der booket til anden klub, f.eks. vores atletik og løbehold, så kan man blive bedt om at løbe et andet sted.”. Jeg har aldrig oplevet at blive bedt om at forlade stadion

Grundet nedlægningen og nyopførelsen af Vejlby Stadion og Aarhus Stadion / Ceres Park er der langt flere der benytter Viby Stadion, herunder Aarhus Fremad, Aarhus 1900 og AGF Atletik, så overvej at komme udenfor normale træningstider.

Løbebane: Rød gummibelægning, 5 baner.

Længde: 400 meter.

Stadion ved Hasle Skole

Se dedikeret indlæg her.

Åbyhøj Stadion

Adgang: Formentlig fri adgang. Har endnu ikke besøgt stadion.

Løbebane: Grus.

Længde: 400 meter.

Skæring Skole / HEI Stadion

Adgang: Ingen information online. Der er intet hegn eller lignende. Stadion er placeret i området omkring Skæring skole og klubben HEI. Umiddelbart er der ingen faste brugere af løbebanen.

Løbebane: Grus.

Længde: Ukendt.

Aarhus Stadion / Ceres Park / Kongelunden / Aarhus Atletikstadion (Forventes klar i 2025)

Adgang: Stadion er under opbygning. Nuværende stadion er lukket. Nyt stadion forventes færdigt i 2025: “Begge anlæg forventes at stå endeligt klar medio 2026. Løbebanen på atletikstadion vil dog kunne tages i brug til træning allerede i 2025” (kilde. Læs mere her, dog ingen tidslinje eller lignende fra officiel kilde.)

Løbebane: Bliver formentlig topkvalitet gummibelægning med masser af bounce. Her du skal tage hen i dine sko med carbonplade.

Længde: 400 meter.

Vejlby Stadion (Løbebane fjernet i 2024)

Adgang: Grundet ombygningen af AGF’s fodboldstadion har AGF gjort Vejlby til ny, midlertidig, hjemmebane. I den forbindelse mistede vi løbebanen. Se billeder her.

Der bliver opført et nyt atletikstadion. Igen er det yderst begrænset, hvor meget information der findes om det på nettet. Jeg vil gætte på, at det står klar i 2026. Opdatering 14. august 2025: Byggeriet er startet.

Løbebane: Bliver formentlig topkvalitet gummibelægning med masser af bounce. Her du skal tage hen i dine sko med carbonplade.

Længde: 400 meter.

Aarhus Fremad / Riisvangen

Løbebanen på Riisvang stadion har desværre tabt kampen til fodbolden. Se billeder og video her.

Noter om investering på vegne af dine børn

Dette er mine personlige noter; hvis du ikke stoler på mig eller ikke er blevet henvist herfra af mig personligt, så gå til kilderne nedenfor.

De vigtigste principper for at maksimere dine børns formue er:

  1. Start så tidligt som muligt for at maksimere renters rente-effekten.
  2. Invester det størst mulige beløb ved at betale så lidt skat som muligt på investeringen.
  3. Tag risiko, investér i aktier/fonde og placer ikke penge på opsparingskonti eller obligationer.

Skat

Beskatning sker, når du giver dit barn penge, og når dit barn tjener penge.

Alt vedrørende skat beregnes på årlig kalenderbasis, så investering på vegne af dit barn er ikke en engangsforeteelse, men en tilbagevendende begivenhed i hvert kalenderår, inklusiv det år, dit barn bliver født.

Skat når du giver dit barn penge (2025, kilde)

  • Skattefrit beløb: 76.900 kr.
  • Skat: 15 %.

Det skattefrie beløb er per giver og per barn, når I er to forældre, kan I give 76.900 kr. hver pr. barn.

Skat når dit barn tjener penge

Dit barn en skattepligtig person ligesom dig. Der er dog én fordel, dit barn kan udnytte, som du ikke kan: den såkaldte “børneopsparing”. Dette er en speciel konto, der er fuldt fritaget for skat.

Den eneste ulempe ved kontoen er, at den er låst til en bestemt dato. Dette er samtidigt perioden, hvor den er skattefri. Hvis du kan acceptere det koncept, er det den bedste investeringsmulighed, barnet har.

Strategi

Invester det maksimale beløb på 6.000 kr. fra kalenderåret, hvor dit barn bliver født, og de næste 12 år. Lås kontoen for den maksimale periode, indtil dit barn fylder 21 år, for at maksimere skattefordelen.

Jeg har valgt børneopsparingen fra Jyske Bank, da jeg allerede er kunde i Jyske Bank. Jeg investerer midlerne i iShares MSCI World SRI UCITS ETF EUR (Acc) (ISIN: IE00BYX2JD69).

Hvis du vil investere mere på dit barns vegne, er den næstbilligste mulighed, efter børneopsparingen er makset ud, at bruge dit barns personfradrag på 51.600 kr. (2025, kilde). Husk, dette nulstilles hvert kalenderår, så for hvert år du ikke bruger det, går den skattebesparelse tabt.

Dit barns personfradrag kan kun bruges på såkaldt kapitalindkomst eller for aktieindkomst større end 67.500 kr. (2025, kilde).

Derfor, for midler, der overstiger tærsklen for børneopsparingen (6.000 kr. pr. år), bør du investere disse i kapitalindkomstbeskattede værdipapirer (se Nordnets tjekliste over investeringer, som beskattes som kapitalindkomst). Jeg har oprettet et depot hos Nordnet og investerer i deres egen fond Nordnet Global Indeks (ISIN: IE00BMTD2K75).

Når personfradraget er fuldt udnyttet, kan du stort set planlægge dit barns økonomi på samme måde, som du planlægger din egen, forudsat at du har en normal indkomst.

Altså, kan du begynde at overveje andre muligheder, såsom at oprette en aktiesparekonto for at udnytte dens skattefordele, at investere i aktiebeskattede værdipapirer i stedet for, eller i tillæg til, de kapitalindkomstbeskattede.

Det kan f.eks. være relevant, hvis barnet får et job. I så fald kan det være en god idé at benytte personfradraget på deres lønindkomst og samtidig udnytte den lave skat på 27 % på aktieindkomst op til progressionsgrænsen på 67.500 kr. (2025, kilde).

Kilder

Jyske Bank: Børn og skat på investering

Nordnet: Tre skridt: Sådan investerer du for dine børn

Running backpacks, vests and belts

I run a bit, and every now and then—okay, fine, exactly once—someone asked me for gear advice. So, instead of repeating myself over and over, I’ve written it all down here.

Backpacks and vests

When I started running more seriously, it was all about going on adventures and covering longer distances. Naturally, I went for the coolest gear; the Salomon ADV skin 12 (liter) running vest. It’s hands-down my favorite piece of gear. The vest (not a backpack!) is incredibly well-engineered, fits perfectly, and can carry everything I need for a running adventure. It holds my two 500 ml soft flasks, a water bladder, and has multiple mesh pockets (some zippered, some open), plus a large compartment in the back for bigger items.

Should you buy one, though? Probably not. You don’t need that much stuff unless you do unsupported runs longer than, maybe, 90 minutes or are participating in a mountain/trail/ultra race with significant mandatory gear requirements like some of the UTMB races or the less extreme Bergen Fjellmarathon, which I did with my girlfriend last year.

For shorter or less demanding runs, I now rely on one of two running belts. If I need to carry a bit more—for example, commuting with groceries or carrying stuff to and from the office —I use a 15-year-old North Face Recon daypack. While I could use the Salomon vest for these runs, it tends to get quite warm, so I prefer the more breathable and versatile backpack.

Belts

Haissky running belt

It’s a random brand found on Amazon with a simple velcro closure and three pockets. The three pockets are perfect as I can carry my phone, keys and AirPods separately. I use it for shorter runs. The Velcro, however, can be annoying—if the hook side doesn’t align perfectly with the loop, it can dig into your skin. At some point, I might trim the hook slightly to reduce the risk of user error.

Compressport Free Belt Pro

While the Haissky belt is great for carrying my essentials, I needed something more versatile for runs where I might want to carry an extra layer, a single water bottle, or some snacks. After seeing that many experienced trail runners use snug-fitting belts, I started researching and ended up following the advice of Youtuber Run4Adventure to choose one without pockets for maximum versatility.

I wanted to get the Naked running belt due to their granular sizing options, but it wasn’t available here in Denmark (or even Europe). So, I went with the Compressport Free Belt Pro instead. It’s a bit more cumbersome to put on, as you have to step into it and pull it up to your waist, but once it’s on, it fits perfectly and stays out of the way—similar to the Salomon vest.

Note on sizing: I measured myself to be 88-90 cm around the waist and ordered an XS/S as per the size-chart. However, I could barely get it past my knees! I ended up returning it and getting the M/L size, which fits snugly and comfortably.

Buck Passing

I live right next to the police station in Aarhus. The police station’s parking lot is separated by a street called Ridderstræde.

Entrance to Ridderstræde

Over the past few weeks, more and more cars have suddenly started parking right on the street—or perhaps “path” is a better word, though it is officially a street.

Police station parking and Ridderstræde

This morning, as I was running to the office, I decided to stop by the police station and ask about the issue, hoping they could resolve it or at least explain what was going on.

When I arrived, there were two officers sitting at the reception desk, and I was the only person there. I explained the situation: right in their own backyard, the street is blocked by illegally parked cars. The policeman told me he was aware of the issue and that it was probably caused by workers at a nearby building site. I hinted that perhaps they could try to do something about it, but he explained that it wasn’t the police’s responsibility.

A bit comical, considering it’s literally happening in their backyard, but the police man convinced me it was an issue for the City Assistants. I told him it was just an FYI and that I wouldn’t pursue it further. I wished him a good day and ran along to the office, hoping I would bump into one of these City Assistants, but I didn’t.

The situation continued to bug me, so I looked up the City Assistants phone number and gave them a call. I went through a phone menu, selecting 1, then 2, and so on, only to be greeted by an automatic message informing me that I had called outside their opening hours. They’re open from 10-12 on Mondays, Tuesdays, Wednesdays, and Fridays, and from 12-14 on Thursdays.

The Buck Stops Here

Ownership matters. Whether it’s fixing an illegal parking issue or resolving a customer complaint, the person who hears the issue first has a unique opportunity to take action—or at least guide the resolution process effectively. Buck passing might feel easier in the moment, but it rarely leads to better outcomes.

Sometimes, we think it’s a good idea to build big, complex systems with Police officers and City Assistants —“Wouldn’t it be smart if…”—but those systems can become so rigid and segmented that no one feels responsible for addressing the simplest of issues. The result? Frustrated users and a problem that never gets solved.

No amount of redirection beats someone simply stepping up and saying, “I’ll take care of that.”

President Truman posing with “The BUCK STOPS here!” sign.