Rate my Novel: Finance/Thriller — From 43 Euros to Global Conspiracy [Poor to Rich]

GiantFrog

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"What happens to a person when the gap between the model and the market disappears?"

Hey everyone,

I’m J. Valmont. I’ve spent the last 18 months researching market logic and legal frameworks to build a story that moves away from the typical "System" tropes. I wanted to create something where the protagonist’s power isn't magic—it’s pure, clinical probability.

The story is The Probability of Wealth.

It follows James Smith, who starts with nothing but his grandfather’s bank statement showing 43 euros. After an incident at a Sasung facility, he gains the ability to see the world through probabilistic signals. But as he'll quickly learn, in the world of high finance, being "too right" is a death sentence.

I’m looking for your honest thoughts on a few things:

  • The "Crunchy" Bits: I’ve included real trading terms and AML compliance. Does it feel immersive, or is the jargon a bit too much?
  • The Protagonist: I’m aiming for a truly rational, High-IQ lead. Does James feel calculated to you, or does he come off as too detached?
  • The Pace: It’s a mix of Slice of Life and Techno-Thriller. Does the transition from his "poor" beginnings to the high-stakes world feel natural?
I’ve already uploaded 11 chapters (with a 2-chapter daily drop currently happening), so there’s enough there to get a real feel for the world.

Check it out here: Click to read on scribble hub

I’m not looking for "sugar-coated" praise—tell me what works and what makes you want to drop the story. I’m here to learn and improve the logic of this world.

Cheers,

J. Valmont (Giant Frog on ScribbleHub)
 

HouseDelarouxScribbles

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Heya Giantfrog, this is an interesting read, though I must admit I didn't make it past chapter 2, not because I am a Mxtxrxla guy (laugh), I actually thought the premise of it is intriguing! I think that there are improvements that could tighten up the writing and make it more appealing. One of the big things might be to 'make the main character relatable even if he is hyperanalytical'. This is difficult to balance; my main suggestion would be to return to James some of his more 'baser' human instincts if possible.

On the fronts that you asked for, I think Jame's characterization is a little confusing because he straddles between being 'someone who pretends to be detached' and 'someone who needs to make the story interesting'. I think that the writing tries to reflect his robotic, almost Sheldon-like demeanor, but it comes off as rather standoffish and non-human at times. The staccato sentences are your way of doing that, and I could feel the author's intention through the rhythm of how the sentences are written. However, this tendency bypasses even natural human instincts, so severe pain, shock of turning up at a hospital bed are also written in the same pacing. What results is a story that moves at a very flat 'blip', like a heartrate monitor that has stopped. It also makes it so that I the reader asks: "Why would I care for such a being?"

A major question that rose in my head was when he lay in his hospital bed was that phrase 'I knew her crying the way I knew my own heartbeat'. This implies that tragedy is something that happens frequently in his household. It is good authorial sense, though it also makes James do double duty of having to fulfill his role as a character, and having to fulfill the author's desire to make him 'human-like'. He doesn't have to be hyper-analytical for everything. I would give him a small crack, an opening of the window by giving him a more emotional reason to use his power instead of for himself (unless of course that is a character development you want to build in, then disregard). Clearly, the mother is important. Could there be a 'Houndini Moment' in the hospital itself? Harry Houndini famously promised his mother to 'lay her lap full of gold coins when he is successful'. If make a moment like that be Jame's keystone moment, it would make the household tragedy more impactful than another sign he is hyper-analytical like a robot. He doesn't need to be in this mode all the time. The contrast at crucial moments will make him far more relatable!

On the system itself, I see shades of 'Shinigami Eyes' from Death Note, where characters can see other's lifespan, and the 'Audience Anticipation' system from 'I Am Not The God of Theatre'. This is not a unique system, so I think the issue is not that the jargon is bad, it is how people around it react, especially James! James claims to know probability, and has some financial knowledge, but doesn't really act like it!

Below are my thoughts on the first message sent out:
▣ VINCI SA — Euronext Paris Signal: Long (Buy) Probability: 74% Horizon: 3–7 months

What does this mean to the average reader? Well, if I had no idea what this means, it probably means that he would have a profit if he 'buys long' (expects it to rise) at a 74% chance. I had to look up what 'horizon' means. Does it mean he has to wait 3-7 months before he turns a profit? It is never explained in the text it seems. What's the difference between 'hold' and 'long'? How does the timeframe work into the equation? These are all unnecessary things to let the reader think about. Most readers I suspect will not go beyond terms like 'buy, bet, hold, sell' and will need to be eased into it. A simpler screen, that can be improved later as James gets better at this (and to add in new concepts) might be:


▣ VINCI SA — Euronext Paris Signal: Profit Probability - 74% // Action: BUY (Long) // Timeframe: ???

Here, I separated the signal from the action to be taken.
It also gives James room to say 'No, the signal is wrong!', or to think for himself. For the horizon, I think it is an unnecessary thing that complicates matters, but James does not seem to care about timeframes since it does not come into his internal dialogue decisions in chapter 1. It can be a learning moment in later chapters where he realizes that the 'Horizon' is important when some shady merchant tries to get him on a 100-year deal... It is also simpler for the reader to understand. There is a signal, a recommended action, but there are also other variables which will change the signal! But it takes a hyper-analytical guy to make good use of this system, and what do you know, the main character happens to be one...

I do have thoughts on the timeskip and his friend's reaction in chapter 2, since I found it to be really weird. Mainly it revolves around the question of whether James knows what he is doing, and how much he knows. It is not exactly made clear, contributing to the 'he knows, but he is pretending to not know' feeling all the way from the hospital bed scene.

In conclusion, giving James more context aside from 'read a few financial reports before' impacts how he will make use of his ability. Right now, he acts like a pro, but doesn't have the credibility in a reader's eyes to do so. He clearly doesn't have a stock trader's or gambler's mindset, because aside from the jargon, nothing about his thinking reflects 'calculation', 'odds' or even 'risk'. This results in him being a 'pro', but only at skin level. There's nothing wrong with that, it could even be built into the story!

If he is moving at the level of a seventeen year old with a cheat ability, his hyper-analytical nature is redundant. If he is moving because of the cheat fits his hyper-analytical nature, his actions seem unnatural. There must be some way to assuage the two, so I would ask the author a question: "Would James have been successful without his cheat ability? If he would, why is he poor? If he wouldn't, where does his personality traits come in?"

You can reach out to me here if you want to know more! I will be off to write my book now!
 

GiantFrog

New member
Joined
Sep 7, 2025
Messages
12
Points
3
Heya Giantfrog, this is an interesting read, though I must admit I didn't make it past chapter 2, not because I am a Mxtxrxla guy (laugh), I actually thought the premise of it is intriguing! I think that there are improvements that could tighten up the writing and make it more appealing. One of the big things might be to 'make the main character relatable even if he is hyperanalytical'. This is difficult to balance; my main suggestion would be to return to James some of his more 'baser' human instincts if possible.

On the fronts that you asked for, I think Jame's characterization is a little confusing because he straddles between being 'someone who pretends to be detached' and 'someone who needs to make the story interesting'. I think that the writing tries to reflect his robotic, almost Sheldon-like demeanor, but it comes off as rather standoffish and non-human at times. The staccato sentences are your way of doing that, and I could feel the author's intention through the rhythm of how the sentences are written. However, this tendency bypasses even natural human instincts, so severe pain, shock of turning up at a hospital bed are also written in the same pacing. What results is a story that moves at a very flat 'blip', like a heartrate monitor that has stopped. It also makes it so that I the reader asks: "Why would I care for such a being?"

A major question that rose in my head was when he lay in his hospital bed was that phrase 'I knew her crying the way I knew my own heartbeat'. This implies that tragedy is something that happens frequently in his household. It is good authorial sense, though it also makes James do double duty of having to fulfill his role as a character, and having to fulfill the author's desire to make him 'human-like'. He doesn't have to be hyper-analytical for everything. I would give him a small crack, an opening of the window by giving him a more emotional reason to use his power instead of for himself (unless of course that is a character development you want to build in, then disregard). Clearly, the mother is important. Could there be a 'Houndini Moment' in the hospital itself? Harry Houndini famously promised his mother to 'lay her lap full of gold coins when he is successful'. If make a moment like that be Jame's keystone moment, it would make the household tragedy more impactful than another sign he is hyper-analytical like a robot. He doesn't need to be in this mode all the time. The contrast at crucial moments will make him far more relatable!

On the system itself, I see shades of 'Shinigami Eyes' from Death Note, where characters can see other's lifespan, and the 'Audience Anticipation' system from 'I Am Not The God of Theatre'. This is not a unique system, so I think the issue is not that the jargon is bad, it is how people around it react, especially James! James claims to know probability, and has some financial knowledge, but doesn't really act like it!

Below are my thoughts on the first message sent out:


What does this mean to the average reader? Well, if I had no idea what this means, it probably means that he would have a profit if he 'buys long' (expects it to rise) at a 74% chance. I had to look up what 'horizon' means. Does it mean he has to wait 3-7 months before he turns a profit? It is never explained in the text it seems. What's the difference between 'hold' and 'long'? How does the timeframe work into the equation? These are all unnecessary things to let the reader think about. Most readers I suspect will not go beyond terms like 'buy, bet, hold, sell' and will need to be eased into it. A simpler screen, that can be improved later as James gets better at this (and to add in new concepts) might be:




Here, I separated the signal from the action to be taken. It also gives James room to say 'No, the signal is wrong!', or to think for himself. For the horizon, I think it is an unnecessary thing that complicates matters, but James does not seem to care about timeframes since it does not come into his internal dialogue decisions in chapter 1. It can be a learning moment in later chapters where he realizes that the 'Horizon' is important when some shady merchant tries to get him on a 100-year deal... It is also simpler for the reader to understand. There is a signal, a recommended action, but there are also other variables which will change the signal! But it takes a hyper-analytical guy to make good use of this system, and what do you know, the main character happens to be one...

I do have thoughts on the timeskip and his friend's reaction in chapter 2, since I found it to be really weird. Mainly it revolves around the question of whether James knows what he is doing, and how much he knows. It is not exactly made clear, contributing to the 'he knows, but he is pretending to not know' feeling all the way from the hospital bed scene.

In conclusion, giving James more context aside from 'read a few financial reports before' impacts how he will make use of his ability. Right now, he acts like a pro, but doesn't have the credibility in a reader's eyes to do so. He clearly doesn't have a stock trader's or gambler's mindset, because aside from the jargon, nothing about his thinking reflects 'calculation', 'odds' or even 'risk'. This results in him being a 'pro', but only at skin level. There's nothing wrong with that, it could even be built into the story!

If he is moving at the level of a seventeen year old with a cheat ability, his hyper-analytical nature is redundant. If he is moving because of the cheat fits his hyper-analytical nature, his actions seem unnatural. There must be some way to assuage the two, so I would ask the author a question: "Would James have been successful without his cheat ability? If he would, why is he poor? If he wouldn't, where does his personality traits come in?"

You can reach out to me here if you want to know more! I will be off to write my book now!
Hey — thank you for this. Genuinely. This is the kind of feedback that costs the reader something to write and costs the author something to receive honestly, and both of those costs are worth it.


You're right about the flatness. I've been so committed to writing James as someone who processes rather than performs that I've accidentally written the author out of the emotional equation too. The hospital scene is the clearest example — his mother is crying, he's been unconscious for two days, and the prose moves through it at the same pace as a market analysis. That's a craft failure, not a character choice. James suppressing his reaction should feel like suppression. Right now it reads like absence.


The Houdini Moment suggestion is going into the revision list immediately. You've identified something I was circling without landing — James's motivation is clear intellectually but it doesn't have an emotional address. The forty-three euros in the grandfather's account is meant to carry that weight, but it arrives too quickly and moves on too fast. There needs to be a scene — probably in the hospital, probably involving his mother — where the motivation becomes felt rather than stated.


On the system display: you're right that "horizon" is unexplained and that the difference between "hold" and "long" assumes financial literacy the general reader won't have. I'm simplifying the format from Chapter 1 onward — "Confidence" instead of "Probability", "Expected window" instead of "Horizon", "BUY/HOLD/SELL" instead of the long/short terminology. The complexity will build as James builds his understanding, which is actually a better developmental arc than front-loading the jargon.


Your final question — would James have been successful without the panel? — is one I should have answered more clearly in the text by Chapter 2. The answer is yes, eventually. He was already doing the reading before the explosion. He was already building theses on companies he couldn't act on yet. The panel doesn't create the analyst — it accelerates and confirms him. But I haven't shown that pre-existing competence clearly enough. The reader has no evidence of his work before the panel appears, which makes the panel look like the source of everything rather than the amplifier of something already there. That's going in the revision.


On the characterisation tension you identified — the "pretending to be detached" vs "making the story interesting" — I think the honest answer is that I haven't yet found the right rhythm for when to let James be human and when to let him be what he is. The contrast is there in the later chapters with Margaux and Étienne, but it arrives too late for a reader who didn't make it past Chapter 2. I need to plant those cracks earlier.


For what it's worth — the Death Note comparison on the system is one I'll take as a compliment. The "Shinigami Eyes" are compelling because the character's reaction to seeing the number is always more interesting than the number itself. That's the note I needed to hear about James. The panel is interesting. James's relationship to it — the responsibility he takes for it, the way it changes what he was already becoming — that's the story. I need to make sure the reader feels the latter rather than just observing the former.


Thank you for reading as carefully as you did. The critique is going directly into the revision notes. If you ever feel like returning to it after the early chapters are tightened up, I'd genuinely value knowing whether the changes land.


— J. Valmont
 

Eldoria

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You can reach out to me here if you want to know more! I will be off to write my book now!

Thank you for reading as carefully as you did. The critique is going directly into the revision notes. If you ever feel like returning to it after the early chapters are tightened up, I'd genuinely value knowing whether the changes land.
It's absolutely crazy! You two are giving lengthy constructive feedback as if you're exchanging love letters. Great job. :blob_melt: :blob_salute:

Edit: Just a quick feedback. In the prologue, the narrative uses the first POV which is supposed to be subjective, but the narrative feels clinical and objective, more like an omniscient narrator giving exposition. Meanwhile, MC is sick, making it difficult for him to think rationally.

This narrative should be more emotional, narrating what the MC feels rather than busy explaining the conditions of the family, the hospital, and the stock market. You need to make the readers care about the MC's suffering rather than busy explaining wordbuilding, especially if you are building a hook for the prologue.
 
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Rosica

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It's absolutely crazy! You two are giving lengthy constructive feedback as if you're exchanging love letters. Great job. :blob_melt: :blob_salute:
They will be exchanging marriage vows soon.
 
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