Pula Papo

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 […]

AI hype is real. So is the actual time savings — if you pick the right tools Small business owners spend an estimated 40% of […]

Passive income is real — but most of it requires upfront work Everyone talks about passive income like it’s a vending machine you set up […]