Fintech is not about subverting traditional banks, but about empowering them.

The future isn't written in the stars. There are no guarantees. So claim your adulthood. Be intentional. Get to work. Pick your family. Do the math. Make your own certainty. Don't be defined by what you didn't know or didn't do.

What you actually pay for something is at least twice the listed price because of the energy， time， money needed to set it up， learn， maintain， repair， and dispose of at the end. Not all prices appear on labels. Actual costs are 2x listed prices.

"The truth is, we are all connected in ways we can't even begin to understand."