From East New York
to Two Broadway.

East New York to Two Broadway.

A little about myself. I grew up in East New York, Brooklyn — one of the toughest neighborhoods in New York City at the time. My mother was determined to get us out of there, and eventually she did. We moved to City Line, a neighborhood on the border of East New York and Ozone Park. It was safer, though my family and I often felt a little out of place. Still, the sense of security made the transition worthwhile.

Around that time, I started high school and began working in local neighborhood stores. Everything changed when I met a man named Freddy. He kept encouraging me to come work with him, and one day I finally agreed. That opportunity brought me to Two Broadway, where I joined Lewco Securities Corp.

Learning the Language of Finance.

Lewco Securities Corp. was a Jersey City–based broker-dealer, originally formed in Delaware in 1973 as a joint venture between Schroder Bank and Hambrecht & Quist. The firm specialized in securities clearing, settlement, custodial services, and securities lending before eventually becoming part of JPMorgan Chase. It was there that I truly began my journey into the worlds of information technology and finance.

I still remember seeing the proxy materials for Toys "R" Us, and I vividly remember my boss Rocky excitedly talking about the stock market closing at 2,753.20. At the time, I had no idea why that number mattered so much — but moments like those sparked my curiosity about the financial world.

Inside the Machine.

Over time, I was promoted several times, eventually working in what was known as "the cage" — where paper stock and bond certificates were physically handled and secured. That experience became a turning point in my life. Surrounded by the mechanics of the financial system, my curiosity grew into a passion for learning everything I could about technology, markets, and operations.

During my three years at the firm, many employees were laid off following the market crash of October 13, 1989. It was my first real exposure to how unforgiving the professional world could be — how quickly stability could disappear when jobs and money were suddenly gone.

Building a Foundation Worth Trusting.

I share this story to give context and credibility to my project. Throughout my career, I have worked for some of the most respected financial institutions in the United States — and perhaps the world — as an IT professional supporting bankers and traders, solving technical problems, and constantly learning by asking questions.

Over the years I've owned a few small businesses — side hustles. They did okay, but once they started making a little more money, everyone wanted in. And that right there caused the failure of most of those successful small businesses. Lesson learned: don't hire family or friends.

By the late 1990s, I had built something real. Years of work. A retirement account. A future worth protecting. And then I made the decision that would cost me everything I had saved — and teach me everything I needed to know.

The WorldCom Scandal:
A Personal Experience.

In May of 1998, I was living in North Carolina and going through a difficult divorce. My priority was simple: I wanted partial or full custody of my children. To make that possible, I made the difficult decision to leave my job at The Home Depot — a company and career I genuinely loved — and accepted a position with MCI, which later became MCI WorldCom after the WorldCom acquisition.

At the time, WorldCom was one of the fastest-growing telecommunications companies in America. The company was acquiring smaller telecoms firms at an aggressive pace, and the excitement surrounding the stock was everywhere. Employees, analysts, and financial commentators all seemed to repeat the same message: Buy, buy, buy.

Caught up in the momentum and convinced I was making a smart financial move for my future and my children, I made what would become one of the biggest financial mistakes of my life. I contacted The Home Depot's HR department and transferred my retirement savings and 401(k) into WorldCom stock.

I also remember what I will regret for the rest of my life. The rep was a woman, and when I explained that I wanted to move the money, she said:

But everything looked promising at MCI WorldCom. The stock continued to rise, and like many others, I stopped paying close attention because the numbers seemed to validate the hype.

But after a couple of months, I began noticing irregularities.

Employees were constantly receiving internal emails celebrating the company's financial success and the strength of the stock price. However, even a simple search online painted a very different picture. The public information didn't match the optimism being pushed internally. Something felt wrong.

Trusting my instincts, I began making withdrawals from my account — even though doing so meant paying penalties. Unfortunately, I still left a substantial amount invested in the company stock.

Not long after, employees received another company-wide message boasting about WorldCom's financial strength, including claims of a $1 billion reserve. The announcement seemed to come out of nowhere, and it immediately raised red flags for me. I started digging deeper into earnings reports and financial statements, and the numbers simply did not add up. Every instinct I had told me something was seriously wrong.

A few weeks later, employees were invited to participate in a company town hall conference call led by CEO Bernie Ebbers. During the call, Ebbers spoke confidently about the company's success, yet there was no mention of the previously announced $1 billion reserve.

We looked at each other completely puzzled.

That was the moment I picked up the phone and attempted to sell my shares. To my shock, I was told I could not complete the transaction, and worse, the account balance was nowhere near what it should have been. I was absolutely floored.

Not long afterward, hundreds of employees were called into training rooms and informed that we were being laid off. During that meeting, I decided to ask a direct question about Bernie Ebbers. Many people looked at me as if I shouldn't have said anything, but I believed the question was justified.

In the end, my instincts were right.

Bernie Ebbers, the CEO of WorldCom, was later exposed as the architect behind an $11 billion accounting fraud — one of the largest corporate scandals in American history. The company collapsed into bankruptcy in 2002, devastating employees, investors, and retirement accounts across the country. Ebbers was convicted of fraud and conspiracy in 2005 and sentenced to 25 years in federal prison. He was released early in 2019 due to poor health and passed away in 2020.

For me, the experience became far more than a financial loss. It was a painful lesson about corporate greed, blind trust in market hype, and the importance of listening to your instincts when something doesn't feel right.

One Word: Determination.

Why did I build LimitlessV21? One word — determination. I used to speak with many extremely intelligent and educated coworkers, and we would share ideas. But there was one person — Will, a 27-year-old with a PhD — who told me that what I was trying to do with Quantum and AI simply could not be done.

Welcome to LimitlessV21.

LimitlessV21 is an AI and quantum-powered analytical system that has shown a remarkable win rate, documented on social media with timestamps as proof of concept. Honesty, accuracy, and helping others is the goal.

The mission is to help people build a healthier relationship with money and learn how to use it wisely. Everything I learned in those halls, in that cage, in those boardrooms — I built into LimitlessV21. So that anyone, regardless of where they started, could have access to the same intelligence.