GM. This is Needs To Exist (NTE), serving up a startup idea that gives $20M families billionaire-level firepower without billionaire-level overhead.

5,000+ ideas and counting. NTE Pro is your metal detector on the beach, so you don’t walk past the billion-dollar treasure buried in plain sight.

Ideas are sparks. NTE Zero To One is the engine that turns them into horsepower.

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Here’s what we’ve got for you today.

• Daily Idea - Billionaire Tools, Fractionalized

• Billionare Book Club

$20 Million And Still Stuck

NTE Zero To One can help talk you through making the Avengers HQ of wealth management real.

The One Liner

The Soho House of family offices.

The 140 character tweet (or X) version

Fractional jets made planes accessible. Co-working made offices accessible. Now: billionaire-level family offices for the $20–50M club.

The Longer Story Version

The Problem

Having $20–50M sounds baller… until you realize you’re stuck in financial purgatory. Too rich for the “private banker at Merrill” game, not rich enough for a $5M/year family office with your own CIO, estate lawyers, and private deal flow.

It’s like having enough cash for a jet, but not enough to actually buy one, so you end up flying business class, sitting next to the guy slurping noodles while you’re wondering why you’re even here.

And the tools you do get? Cookie-cutter “wealth management” that feels like ordering a tasting menu where every course is chicken. Meanwhile, billionaires are getting the wagyu. There’s a clear gap: mid-tier wealthy families are locked out of the good stuff, professional tax optimization, legit estate planning, institutional-quality investing.

The Solution

So what do we do? Easy. Steal a page from co-working and fractional ownership. Pool a handful of $20–50M families, and suddenly you’ve got the scale to afford billionaire-level infrastructure. Your own CIO. Top-tier tax/estate specialists. Private equity deal flow that doesn’t get emailed to every dentist with a Robinhood account.

It’s fractional NetJets, but for your money. A financial Avengers HQ. Each family gets to tap into the brains and deals normally reserved for people named Bezos. And once you’re in, you’re not leaving because no one gives up an edge this good.

Plus, the timing is perfect. More tech founders cashing out, more second-gen entrepreneurs inheriting, more athletes/actors hitting the $20–50M range. The market is growing, and the pain point is obvious. This isn’t some sci-fi moonshot. It’s doable today with the right structure, brand, and trust layer.

How We’d Build It

Stage 1 – Proof of Concept

• Recruit 5–7 founding families with aligned vibes. (Think: the early WeWork “founding members” energy, but with less kombucha and more tax attorneys.)

• Structure it as a private LLC or trust with iron-clad privacy.

• Use tools like Carta (ownership clarity) + Amex (syndication infra) to keep it clean and compliant.

Stage 2 – Operational Scale

• Build the shared family office: CIO, estate/tax squad, and curated specialists on tap.

• Add infrastructure: Addepar for analytics, Juniper Square for private markets access.

• Growth is stealthy: discreet invites via lawyers, private bankers, and “if you know, you know” dinners.

Stage 3 – Brand & Expansion

• Position it as the “Soho House for $20M families.” Exclusive. Efficient. Chic.

• Layer in perks: invite-only salons, deal dinners, access to networks.

• Expand to hubs like NY, Miami, SF. Each chapter feels like a clubhouse for families who are too rich for retail but not Gates-rich.

Why It Needs to Exist

Because right now, $20–50M families are driving Lambos but parking them at strip-mall garages. They deserve the Four Seasons, not the Holiday Inn. This model closes the gap: it’s novel, attainable, solves a giant pain point, and once someone’s in, they’re locked for life.

Call it co-working for dynasties. Fractional jet vibes for your portfolio. Or just the best financial cheat code you’ve never heard of.

The Secret Weapon for Spotting $20M Problems

A Message From Our Partner

Here’s the thing about building something like a “Costco for $20M families”: the families themselves aren’t out there tweeting, “Hey, anyone know how to set up a fractional family office?”

But their frustrations leak out everywhere. Reddit threads trashing Merrill Lynch, Quora posts asking about estate taxes, Twitter rants about “my advisor charges 1% to underperform the S&P.”

That’s where GummySearch comes in. It’s basically Google Alerts on creatine. You plug in the keywords (“family office costs,” “sold my startup,” “wealth manager fees”) and it spits out the conversations happening in the wild.

For this idea, here’s how you’d use it:

• Find the watering holes. Where are mid-tier wealthy families or their advisors actually hanging out? r/FinancialIndependence, private tax forums, even Discord servers.

• Collect the complaints. What’s the exact language people use when they’re pissed at their RIA? That’s your landing page copy.

• Spot the timing. Someone just posted “our company got acquired”? That’s a fresh $20M family walking into your funnel.

And even if you’re not into this idea, the same move works anywhere. Want to launch a tool for dentists, gamers, or crypto degens? GummySearch shows you the pain points, the memes, and the magic words to use when selling to them.

Most people are stuck guessing about markets. The smart ones lurk. GummySearch makes lurking an actual growth strategy. It’s the binoculars so you don’t just see a market, you see the moment.

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📚 The Billionaire Book Club

Let’s set the scene. A mahogany-paneled room, leather chairs, cigars in the ashtray. It’s “Billionaire Book Club,” a secret little gathering where the rich and powerful kick around startup ideas. On the table tonight? The Shared Family Office for $20–50M Families.

Buffett (old school, sipping Cherry Coke):
“Look, this is smart. Most families in that range are stuck in no man’s land. Too small for a full family office, too big for Merrill. Pooling resources makes sense. You get scale, you get access, you get leverage. It’s Costco logic: bulk-buy sophistication.”

Bezos (leaning forward, bald head gleaming):
“Costco’s great, Warren, but Costco scales. This? Not so much. Wealthy families are allergic to sharing. Privacy, governance, trust issues. You think people with $30M want their balance sheets on the same spreadsheet as their neighbor’s? Nah. Scaling that without drama? Ugly.”

Rihanna’s accountant (scrolling on her phone, island accent slipping through):
“Ugly? Honey, my phone’s already blowing up. Every mid-tier founder who sold for $25M is asking me, ‘Can we get access to the billionaire perks without billionaire burn rates?’ This is NetJets for money. Fractional access. Exclusive vibes. Call it the Soho House of wealth. People eat that up.”

Buffett (nodding):
“She’s right. Once people are in, they won’t leave. Retention’s high. This is a sticky business. But the brand’s gotta scream discretion. One scandal, one leak, and the whole thing collapses.”

Bezos (smirking):
“And don’t underestimate regulation. Fiduciary duties, pooling investments, privacy laws. It’s not just cigars and trust funds, it’s lawyers, auditors, SEC headaches. It’s a minefield.”

Rihanna’s accountant (laughing):
“Jeff, everything’s a minefield. Streaming was a minefield until Netflix blew it up. E-commerce was a minefield until Amazon bulldozed it. Someone bold enough will do this. And when they do? They’ll own the $20–50M lane forever.”

Buffett (pointing with his cigar):
“The real trick is positioning. Don’t sell it as ‘sharing.’ Sell it as exclusivity through efficiency. These families don’t want to save money, they want billionaire toys. Private equity deals, tax wizardry, generational planning. Sell them aspiration, not thrift.”

Bezos (grudgingly):
“Okay. If someone cracks the trust/branding nut, maybe it works. But this won’t be some hyper-growth rocket ship. It’s a boutique, high-margin niche. Nice business, not Amazon-sized.”

Rihanna’s accountant (grinning):
“And that’s fine. Not every idea needs to be Amazon-sized. Some just need to print money quietly while everyone else’s kids are stuck in Merrill’s group chat.”

Verdict?

• Buffett: ✅ “Smart. Retention will be gold if branded right.”

• Bezos: ⚠️ “Scaling trust across families is brutal. Niche play at best.”

• Rihanna’s accountant: 🚀 “Clients want this yesterday. Build it, brand it sexy, and they’ll line up.”

So there you have it: Billionaire Book Club says this idea’s got legs. if you can wrap it in velvet, clear the legal hurdles, and make the $20–50M crowd feel like billionaires on a budget.

🥊 Which One Wins?

You’re the judge. Three ideas walk into the ring. Only one becomes a unicorn.

Idea A: The Airbnb of Backyards
Turn every backyard into a rentable venue, birthdays, micro-weddings, outdoor yoga. Insurance + booking built-in. The most underused asset class in America.

Idea B: The Divorce Lawyer in Your Pocket
A mobile app that automates the ugliest (and most expensive) parts of divorce—splitting assets, custody calendars, paperwork—before humans (and billable hours) get involved. Cheaper, faster, less bloodshed.

Idea C: The Costco for Creator Gear
Membership that unlocks wholesale pricing on cameras, mics, software, editing tools. Add group insurance + perks. The 50M-plus creator economy finally gets their own Sam’s Club.

Now, you decide:

• Which one’s the unicorn?

• Which one’s the dud?

• Which one could you build tomorrow?

That’s the fun of NTE Pro, 5,000+ ideas, each one daring you to pick a side and make it real.

👉 The only real loser? The one who never clicks.

One More Meme