Today, I may have ended my career. At a time I am heads-down raising our Series B, I did something some people will consider adversarial: I wrote directly to the leaders of America’s biggest banks. Why? I was looking through data from the hundreds of thousands of people who have downloaded Relief and engaged with our platform, and what I saw made me sick to my stomach. Falling behind has become a business model. Americans have paid billions of dollars a year in credit-card late fees alone. And the people paying those fees are, by definition, often the people already struggling to keep up. There’s something fundamentally backwards about that. Relief exists to help people understand their debt, protect themselves, reduce what they owe, and ultimately resolve it. And as we grow, we’re increasingly helping money flow back to creditors that might otherwise have gone uncollected. So this isn’t an anti-bank letter. It’s an argument that there is a better model. Give some of that late-fee economics back to consumers. Give people who are struggling a little breathing room. That money doesn’t disappear. It gets spent on groceries, rent, childcare, transportation, local businesses, and eventually back into the economy. Banks might make a little less on certain fees in the short term. But healthier consumers are better customers, and a healthier consumer economy is better for everyone. As Relief becomes larger, I want to make sure we never forget whose side we are supposed to be on. It’s not always about extracting the maximum dollar. It’s about treating people like human beings. And, at the very least, making sure the financial system doesn’t make a difficult moment in someone’s life even harder.

Whatever you’re complaining about in your head right now STFU. You’re welcome.!

Even though X is more real than let’s say, LinkedIn, the reality of the pain we go through as founders is completely understated. It’s cool to be nice to others. If you’re going through it feel free to hit me up. It’s always good to vent. ✊🏻

But what if it went right? Those sleepless nights filled w/ fear about all the bad 💩 that can happen. It’s such a waste of time. Bad shit happens but it’s dwarfed by the good. It makes more sense to be excited than nervous. Logic > reason.

I sort of like talking into the abyss. You never know what will pop out at you. From my recent posts, I have two partner meetings set up. That is pretty nuts. I imagine I would get 10X if I wasn't shadow banned. Oh well.

Relief uses agents to manage past-due debt for consumers. It has direct relationships with debt buyers and collectors, partners with the largest debt companies in the world, and connects users with partnered law firms when needed. The average user saves more than 50% of their balance.

Is the model in SF to give people on the spectrum (being nice) hundreds of millions of dollars and see what happens? Asking for a friend (while chewing lead pencils). What happened to having a really great business w/ killer work ethic and acumen?!? Oh and being a good person

What keeps you up at night? I’ll go first… everything.

the most viral I've went on x is when Snowden re-posted something I wrote. I woke up nervous AF. I would rather just talk to YOU than go viral. It's way safer.

Run straight through the no’s until you get to the yes. You got this.

Why does buying shit feel so good?

Every dollar of debt is someone else's asset. When people say "the world is drowning in debt," they're also saying the world is swimming in savings. The problem is who holds which side.

Consumer debt relief is the largest market in consumer fintech, and it keeps growing month over month. Believe it or not that makes me deeply sad. Behind that growth are millions of people falling further behind.

Stress is a byproduct of give a shit.

Some would say it shows max conviction. Side note: I funded my first company on a credit card and defaulted on it. I learned about debt settlement when I settled for Pennie’s on the dollar and started a career around it. The universe works in weird ways!

Who cares if agents are going to destroy us if they do dope product videos? 🤷🏻‍♂️