The Fintech Winter Thaw: Who Survived and Why
The fintech funding winter wasn't death - it was a reset. Capital is flowing to companies with real traction and clear unit economics. The 2021 playbook is dead....
Hard-won lessons from 45+ years in the trenches.
No optimism theater What actually works
The fintech funding winter wasn't death - it was a reset. Capital is flowing to companies with real traction and clear unit economics. The 2021 playbook is dead....
California, Texas, and 36 other states passed AI legislation. Now a federal executive order threatens preemption. What happens next defines AI governance in America....
The full-stack developer myth is dying. Modern systems require deep specialization that generalists can't provide....
Prospects now research with AI before talking to sales. Your digital presence is your first impression....
AI coding assistants promised 55% productivity gains but METR found developers are 19% slower....
Vibe coding promises faster development, but comprehension debt is the hidden cost. When developers ship code they don't understand, maintenance nightmares follow....
Down-rounds hit 15.9% in 2025. AI takes 33% of VC funding. The 2026 math favors bootstrap more than any time since the pre-VC era. Here's how to decide....
Fine-tuning creates models that know things. RAG creates systems that look things up....
42% of companies abandon AI initiatives before production. MIT research shows 95% of AI pilots fail. The demo-to-production gap is systematic and predictable....
Should you use microservices or a monolith? This canonical guide provides a decision matrix, extraction checklist, and honest evaluation criteria based on team....
Research shows nearly three-quarters of founders experience 'shadow burnout' while exceeding business targets....
Why a wave of AI startups will collapse in 2027: unsustainable unit economics, model commoditization, and the venture math that no longer works....

Contrarian takes on tech, startups, and software. What vendors won't tell you. No spam.
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