Capital ladder

The capital ladder is this course’s map of what each band of capital realistically unlocks: ₱100k–500k is all paper assets and habit-building; ₱500k–2M assembles the engine; ₱2M–10M unlocks bank leverage and small-business buying; ₱10M–50M is operating a system of assets; ₱50M+ is allocation and governance. Its discipline is refusing opportunities pitched from rungs above yours — a leveraged condo offered to a ₱800k net worth isn’t ambition, it’s the trap.

First used in: 0.3 · The three engines and the ladder