Today for "Everyday Money #6":-- A few episodes ago, we talked about the idea of a $0 CAC consumer finance product, and whether that was actually achievable. Today I want to come back to that question…
Today for "Everyday Money #5":-- There is a pattern that shows up again and again when you study companies that manage to keep growing long after their first product matures. They do not just add…
Today for "Everyday Money #4":-- For a long time, consumer finance has rested on a familiar assumption: growth costs money, and user acquisition is usually one of the biggest line items. If a company…
Today for "Agent Dispatch #3":-- Tax settlement is one of those parts of the economy that most people never think about, but every business feels it. It is usually slow, operationally heavy, and…
Today for "Agent Dispatch #2":-- Portfolio management has always been about making sense of complexity. You take a large universe of assets, filter for relevance, monitor risk, and try to stay aligned…
Today for "Everyday Money #3":-- There is a quality that the best financial products have that is hard to name but easy to feel. You open the app, and it already seems to understand what you need. The…
Today for "Rails Report #4":-- When people talk about AI agents, they usually focus on what the agent can do. Can it plan? Can it execute? Can it make decisions? Can it complete a task end to end?But…
Today for "Rails Report #3":-- Stablecoins win where crypto UX loses, because they solve a problem users actually care about: moving value without making them think about the machinery underneath.…
Today for "Everyday Money #2":-- One of the most useful things a fintech builder can understand is not just what people spend money on, but how their spending behavior changes across generations.Gen Z…
Today for "Everyday Money #1":-- One of the most interesting questions in consumer fintech is not how to get someone to download an app. It is how to get them to trust one app with more and more of…
