Earnest’s Post

Are you a college student eager to set the stage for a successful financial future? Look no further than your trusty credit card. While it's easy to fall into the trap of overspending or accumulating debt, utilizing your credit card wisely can be a pivotal tool in building a solid financial foundation for the years ahead. Here are some tips how to use your credit card wisely as a college student: 1- Establishing Credit History: Your credit history plays a crucial role in your financial life, influencing your ability to secure car and personal loans, rent an apartment, and even land a job. 2- Get Rewards: Many credit cards offer rewards programs that allow you to earn cashback, travel miles, or other perks for your purchases. By strategically using a rewards credit card for your everyday expenses, such as groceries or gas, you can reap the benefits of these incentives. 3- Learning Financial Discipline: College is an ideal time to develop healthy financial habits, and managing a credit card can be an excellent lesson in financial discipline. Building these habits is essential skills that will serve you well in the future. #fintech #startup #creditcard

In this episode of Accrued, Tedd Huff and Colton Pond engage in a lively discussion with Michelle Tran from Summer, where they tackle some of the most important topics in fintech today. The focus is on real-world problems and practical solutions. 50% of workers now are Gen Z. 75% of Gen Z have student loan debt. This doesn't even count the folks that don't finish college. - Michelle Tran, Head of Commercial at Summer Tune in to hear more about these top 5 takeaways 1️⃣ Join Power Networks Like NYC Fintech Women Want to fast-track your fintech career? These groups are goldmines for networking, career tips, and insider support that can push your career to the next level. 2️⃣ Secure That Funding: Be Bold and Get Noticed If you’re a female founder, don’t let funding challenges hold you back. Get aggressive with your networking, target female-friendly investors, and use platforms that spotlight women entrepreneurs to boost your chances of landing that investment. 3️⃣ Double Your Money: Ask About Student Loan Perks Is your employer offering to match your student loan payments with 401k contributions? If not, it’s time to bring it up! This simple move could grow your retirement savings while you pay off debt. 4️⃣ Get Paid What You Deserve: Ask for That Raise Tired of being underpaid? It’s time to step up. Do your homework, know your worth, and confidently ask for the raise you deserve. A bold ask could mean a big boost to your income. 5️⃣ Crush Financial Stress with Fintech Tools Don’t let money worries weigh you down. Use fintech apps to budget smarter, save more, and knock out debt faster. Take charge of your finances and see how it transforms your peace of mind. Accrued: A Fintech Confidential series by LoanPro Sign up for the Fintech Confidential email news at https:// FintechConfidential .com/ notifications #SummerFintech #MichelleTran #StudentDebtRelief #EmpoweringBorrowers #FinancialWellness #DebtManagement #DebtForgiveness #FinancialInclusion #FintechLeadership #WomenInFintech #FintechInnovation #FinancialFreedom #TechForGood #FinancialLiteracy #FinancialEducation #FintechSolutions #HolisticWellBeing #AIinFinance #CreditBuilding #FintechIndustry #FintechImpact #TechDrivenFinance #ComplianceInFintech #StudentLoans #FinancialEmpowerment #FintechPodcast #FinancialServices #FintechFuture Tedd Huff DD3 Media Fintech Confidential

In this episode of Accrued, Tedd Huff and Colton Pond engage in a lively discussion with Michelle Tran from Summer, where they tackle some of the most important topics in fintech today. The focus is on real-world problems and practical solutions. 50% of workers now are Gen Z. 75% of Gen Z have student loan debt. This doesn't even count the folks that don't finish college. - Michelle Tran, Head of Commercial at Summer Tune in to hear more about these top 5 takeaways 1️⃣ Join Power Networks Like NYC FinTech Women Want to fast-track your fintech career? Get involved with communities like NYC FinTech Women. These groups are goldmines for networking, career tips, and insider support that can push your career to the next level. Don’t miss out—join today! 2️⃣ Secure That Funding: Be Bold and Get Noticed If you’re a female founder, don’t let funding challenges hold you back. Get aggressive with your networking, target female-friendly investors, and use platforms that spotlight women entrepreneurs to boost your chances of landing that investment. 3️⃣ Double Your Money: Ask About Student Loan Perks Is your employer offering to match your student loan payments with 401k contributions? If not, it’s time to bring it up! This simple move could grow your retirement savings while you pay off debt—talk to your HR today. 4️⃣ Get Paid What You Deserve: Ask for That Raise Tired of being underpaid? It’s time to step up. Do your homework, know your worth, and confidently ask for the raise you deserve. A bold ask could mean a big boost to your income. 5️⃣ Crush Financial Stress with Fintech Tools Don’t let money worries weigh you down. Use fintech apps to budget smarter, save more, and knock out debt faster. Take charge of your finances and see how it transforms your peace of mind. Accrued: A Fintech Confidential series by LoanPro Sign up for the Fintech Confidential email news at https:// FintechConfidential .com/ notifications #SummerFintech #MichelleTran #StudentDebtRelief #EmpoweringBorrowers #FinancialWellness #DebtManagement #DebtForgiveness #FinancialInclusion #FintechLeadership #WomenInFintech #FintechInnovation #FinancialFreedom #TechForGood #FinancialLiteracy #FinancialEducation #FintechSolutions #HolisticWellBeing #AIinFinance #CreditBuilding #FintechIndustry #FintechImpact #TechDrivenFinance #ComplianceInFintech #StudentLoans #FinancialEmpowerment #FintechPodcast #FinancialServices #FintechFuture Tedd Huff DD3 Media Fintech Confidential

Did you know women hold almost two-thirds of all student debt? Or that a whopping 75% of Gen Z has student debt? Summer’s Head of Commercial Michelle Tran breaks down the impact of student debt on different populations with the Fintech Confidential team on an episode of the Accrued podcast –– and offers practical solutions. Give is a listen to hear those insights and her take on empowering women in fintech careers. It’s a good one!

In this episode of Accrued, Tedd Huff and Colton Pond engage in a lively discussion with Michelle Tran from Summer, where they tackle some of the most important topics in fintech today. The focus is on real-world problems and practical solutions. 50% of workers now are Gen Z. 75% of Gen Z have student loan debt. This doesn't even count the folks that don't finish college. - Michelle Tran, Head of Commercial at Summer Tune in to hear more about these top 5 takeaways 1️⃣ Join Power Networks Like NYC FinTech Women Want to fast-track your fintech career? Get involved with communities like NYC FinTech Women. These groups are goldmines for networking, career tips, and insider support that can push your career to the next level. Don’t miss out—join today! 2️⃣ Secure That Funding: Be Bold and Get Noticed If you’re a female founder, don’t let funding challenges hold you back. Get aggressive with your networking, target female-friendly investors, and use platforms that spotlight women entrepreneurs to boost your chances of landing that investment. 3️⃣ Double Your Money: Ask About Student Loan Perks Is your employer offering to match your student loan payments with 401k contributions? If not, it’s time to bring it up! This simple move could grow your retirement savings while you pay off debt—talk to your HR today. 4️⃣ Get Paid What You Deserve: Ask for That Raise Tired of being underpaid? It’s time to step up. Do your homework, know your worth, and confidently ask for the raise you deserve. A bold ask could mean a big boost to your income. 5️⃣ Crush Financial Stress with Fintech Tools Don’t let money worries weigh you down. Use fintech apps to budget smarter, save more, and knock out debt faster. Take charge of your finances and see how it transforms your peace of mind. Accrued: A Fintech Confidential series by LoanPro Sign up for the Fintech Confidential email news at https:// FintechConfidential .com/ notifications #SummerFintech #MichelleTran #StudentDebtRelief #EmpoweringBorrowers #FinancialWellness #DebtManagement #DebtForgiveness #FinancialInclusion #FintechLeadership #WomenInFintech #FintechInnovation #FinancialFreedom #TechForGood #FinancialLiteracy #FinancialEducation #FintechSolutions #HolisticWellBeing #AIinFinance #CreditBuilding #FintechIndustry #FintechImpact #TechDrivenFinance #ComplianceInFintech #StudentLoans #FinancialEmpowerment #FintechPodcast #FinancialServices #FintechFuture Tedd Huff DD3 Media Fintech Confidential

🌟 New Blog Post: Is it Worth It? 🌟 The question that serves as the core barrier to financial inclusion. Growing up in Northern Michigan, I often wondered if the effort to dig out the family car for early basketball practice was worth it. 🏀❄️ This same question echoes in the decisions businesses make every day. In my latest blog post, I explore why profitability is the core barrier to financial inclusion. Despite the six commonly cited barriers like financial literacy and high bank fees, the underlying issue is simple: banks don’t find it profitable to solve these problems. 💡💸 Using small business lending as an example, I break down the costs and revenues for banks and why they prefer larger loans over smaller ones. Even if banks charge higher rates, it’s still not profitable enough to justify the effort for smaller loans. 📉🏦 This lack of incentive for banks to serve small businesses and low-income consumers leads to persistent financial exclusion. But understanding this barrier is the first step toward finding solutions. 🌍💪 👉 Read more in my full blog post: https://lnkd.in/gTT7sTbx (This is part of a series of posts about our mission to support financial inclusion for small businesses at Vaya in partnership with our vSaaS customers. You can find the series along with our other thoughts on embedded fintech at embedvaya.com/blog. If our work resonates with your or someone you know, please check out open roles at embedvaya.com/joinus.) #fintech #startups #vsaas #verticalcredit #smallbusiness #embeddedfintech Vaya Technologies

The future of hard money lending looks vibrant and diverse, driven by technology, regulatory shifts, market expansion, and a new focus on sustainability. For savvy real estate investors, these trends represent not just changes to keep up with but opportunities to be harnessed for greater profitability and impact. Whether you’re looking to flip your first property or expand into large-scale commercial developments, understanding these trends will help you position yourself strategically in an evolving market. Ready to ride the wave of these emerging trends? The next big deal might just be around the corner 😉 https://lnkd.in/dFYcKdUQ

Gilion Welcomes 10 New Talents to the Team! We’re thrilled to announce a significant milestone in our journey to build the world’s largest Growth Platform for founders. Gilion proudly expands its team with 10 top-tier professionals from renowned companies like Google, Spotify, Tink, ManyPets, Bridgepoint, Trill Impact, SVB, and Swedbank, and more! This isn't just an expansion of our workforce but a commitment to our vision of accelerating founders with cutting-edge analytics and access to non-dilutive and flexible funding. Gilion Leadership Appointments: ↗ Andreas Hedlund, CFO & Deputy CEO ↗ Lidia Oshlyansky 🇺🇦 , Chief Product Officer ↗ Alexandre Hökfelt, Head of Funding These leaders will play pivotal roles in driving Gilion’s mission to redefine growth funding, alongside the talented experts we’re welcoming across Product, Engineering, Finance, AI, and Sales. Meet Our New Team Members: AI & Data ↗ Stefanos Antaris, Machine Learning Engineer: Formerly Head of Artificial Intelligence at Hive Streaming, Stefanos will help drive our AI initiatives, enhancing the predictive power of our analytics. Product & Engineering  ↗ Howie R., Senior Product Manager: Joining us from ManyPets, Howard will work on product improvement and innovation, ensuring our solutions continue to exceed customer and market needs. ↗ Mark Ekvall, Software Engineer: With extensive experience from developing loan products at Tink, leveraging real-time data and machine learning models, to integrating diverse financial data at ICA Banken, Mark will play a role in advancing our engineering capabilities. Finance, Credit & Sales  ↗ Marcus Lindhe, Head of Finance & Control: With over a decade of experience from OBAYATY, Daniel Wellington, and EY, Marcus will oversee our financial operations, ensuring they align with our wider growth strategy. ↗ Christoph Gedeon, Regional Manager Central Europe: A seasoned banking and investment professional, Christoph brings over 15 years of experience from SVB, NIBC Bank, RBS, Mediobanca, and ING, strengthening our presence in Central Europe. ↗ Anna Dehn Nordin, Debt Restructuring Officer: Formerly a Case Manager in Financial Restructuring & Recovery at Swedbank, Anna will manage our debt restructuring efforts, ensuring our financial stability. ↗ Christian Bruun Kristensen , Investment Manager: With experience from Export and Investment Fund of Denmark, Christian will help manage and grow our investment portfolio. With these great additions to our team, Gilion is more equipped than ever to continue delivering Growth Loans and Best-in-Class Analytics to help founders make data-driven decisions, achieve key milestones, and scale faster—while retaining more equity. Check out the full announcement and more information on our blog–link in comments. 

Is there a silver bullet for drawing in new capital? 🤔 The economy is still in a strange place for companies seeking new capital. Yes, opportunities are out there, but after a pandemic, an uneven recovery, and the ever-looming possibility of a recession, investors are being far more careful with where they put their money than they were just a few years ago. Two years ago, we predicted this change in the market in our ebook, Lean into Lending, vol. 2: Working with New Capital.  This week’s blog post is an excerpt from that ebook that explains our strategy to attract investors and give them the confidence to put their money behind your ideas. Rather than launching untested products at full scale or just running through a computer analysis, lenders should launch their new products at a smaller scale, and then fine-tune them to maximize profits and improve customer experience. Once they have a profitable prototype, it should be easy to attract investors and scale up. What other strategies could work hand-in-hand with a proof of concept to attract new capital? Let us know in the comments. 👇 https://lnkd.in/g8R7XBJs

If you haven't considered private money lending as part of your investment strategy, you should. One of my small group coaching students, Dan just completed his first PML deal last month after working with me to make sure he deployed his capital safely. He is also a multifamily investor so the transition to private money was relatively smooth. He enjoys private lending so much he decided to quit his W-2 to pursue it full time! Let's gooooooo, Dan the Money Man!! Sarah, another student I'm working with, just received her first principal loan amount back. Since she's in a state that requires licensing and average loan sizes that are pretty steep, we decided to go out of state and learn the ropes in a new market, Kansas, which took time, planning and some patience. But doing it properly and safely was always our first priority over fast deployment. Congrats, Sarah, on starting your journey towards creating passive cashflow! It's super exciting to see others succeed in private money lending and watching them grow has been a real privilege! Here are five reasons why private money lending is my favorite type of investment vehicle: 💰 Mailbox Money: Enjoy the passive income flow, sans the hands-on hassle of flipping houses. 💰 Predictable Returns: Count on steady interest income, offering stability in your investment portfolio. 💰 Liquidity Plus: Think CD-like liquidity but with higher returns, maximizing your financial flexibility. 🗝 Tailored Terms: Personalized lending terms that suit your investment strategy and lets you sleep well at night. 🗝Lower Speculation: Compared to syndications, private money lending tends to offer a less speculative investment avenue. In ten years, I've never lost principal and am proud of our conservative approach to lending. It's always served us (and our clients) well. Private money lending might just be your ticket to financial growth! Reach out to learn more and to get on our waitlist HERE: ! #privatemoneylender #investmentopportunity #privatemoneylending #lend2live #BeinwithFlynn #bethebank