Category: Uncategorized

BNPL is not inherently predatory. But it’s not inherently neutral either. Affirm, Klarna, Afterpay, and PayPal Pay Later processed over $100 billion in transactions in […]

The insurance industry was one of the last holdouts against tech disruption. Not anymore. For most of the 20th century, buying insurance meant sitting across […]

Credit card rewards are a multi-billion dollar transfer from banks to organized consumers Banks and card networks earn billions in interchange fees from merchants (typically […]

The average knowledge worker pays for 8+ SaaS subscriptions. Most don’t earn their keep. Subscription fatigue is real. Software companies have weaponized credit card auto-billing: […]

The VPN industry is built on fear. Here’s an honest threat model. VPN companies spend enormous amounts on marketing that implies you’ll be hacked without […]

The remote work tool market is massive. Most of it is unnecessary. Companies spent billions on remote work software during and after COVID. Much of […]

Most budgeting apps solve the wrong problem The budgeting app market is cluttered with tools that give you beautiful charts of where your money went […]

Fintech banks have gotten genuinely good — with some real limitations The case for moving your checking account to a fintech bank used to be […]

Skip the speculation — here’s what actually matters about crypto Most crypto coverage falls into two camps: breathless hype about the next moonshot token, or […]

The honest comparison no one in finance wants to give you Robo-advisors have been around for 15+ years now, long enough to compare their actual […]