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This episode is supported by OPSWAT. Joe, here's a question for you. What if the entire cybersecurity industry has been doing it wrong? The entire industry. That's a bit of a stretch, isn't it? Well, that's the argument Benny Charney makes in his new book, Cybersecurity Upside Down. Benny is the founder and CEO of OPSWAT. He spent more than two decades protecting critical infrastructure, you know, nuclear facilities, defense networks, energy grids, the stuff that quite literally keeps the lights on. Okay. So what's his big idea? Well, he says the industry is obsessed with detecting threats, but detection can never be perfect. One dodgy file slips through and your network is toast. I like toast. So what's the alternative? To toast? No. To detecting threats. Oh, well, how about not even trying to spot the malware? Instead, take files apart, throw away anything that isn't strictly needed, and rebuild a clean version from the safe bits. The user gets a sanitized working document. The malware ends up in the bin. But hang on. Who decides what's safe? That's the clever part. You do. Macros might be allowed for your automation team but stripped out for finance. JavaScript ripped out of every PDF everywhere. Exif data scrubbed from images leaving HR. It's not an on off switch. It's a policy that you can tune to your business. So even a brand new attack no one's ever seen before doesn't survive the rebuild exactly. There's nothing to detect because it's already gone. Whether you're a security pro, an executive or just someone who wants to understand what's already going on in cybersecurity, cybersecurity upside down is technical enough for the experts but also accessible enough for the rest of us. Go and grab your copy right now at smashingsecurity.com/upsidedown. And thanks to OPSWAP for supporting the show.

Lenden just introduced their lowest rates ever. The larger the loan, the lower the rate. These new rates apply to all new loans, refinances, and renewals with Lenden's gold standard protection. Your Bitcoin stays custodied, never lent out. You can activate auto top ups and alerts so you're never caught off guard, and you can repay any time with zero penalties. Don't choose between a great rate and the safety of your Bitcoin. Get both at leaden and a quarter percentage point off your first loan at leaden.io/natalie.

This episode is supported by OPSWAT. Joe, here's a question for you. What if the entire cybersecurity industry has been doing it wrong? The entire industry. That's a bit of a stretch, isn't it? Well, that's the argument Benny Charney makes in his new book, Cybersecurity Upside Down. Benny is the founder and CEO of OPSWAT. He spent more than two decades protecting critical infrastructure, you know, nuclear facilities, defense networks, energy grids, the stuff that quite literally keeps the lights on. Okay. So what's his big idea? Well, he says the industry is obsessed with detecting threats, but detection can never be perfect. One dodgy file slips through, and your network is Toast. I like Toast. So what's the alternative? To Toast? No. To detecting threats. Oh, well, how about not even trying to spot the malware? Instead, take files apart, throw away anything that isn't strictly needed, and rebuild a clean version from the safe bits. The user gets a sanitized working document. The malware ends up in the bin. But hang on. Who decides what's safe? That's the clever part. You do. Macros might be allowed for your automation team but stripped out for finance. JavaScript ripped out of every PDF everywhere. Exif data scrubbed from images leaving HR. It's not an on off switch. It's a policy that you can tune to your business. So even a brand new attack no one's ever seen before doesn't survive the rebuild. Exactly. There's nothing to detect because it's already gone. Whether you're a security pro, an executive, or just someone who wants to understand what's already going on in cybersecurity, cybersecurity upside down is technical enough for the experts but also accessible enough for the rest of us. Go and grab your copy right now at smashingsecurity.com/upsidedown. And thanks to OPSWAT for supporting the show.

This episode is brought to you by Lloyds Business and Commercial Banking. One of the great things about finance is that it may result in you having to pay tax. And this was a constant grumble in Anglo Saxon England, which was the most heavily taxed country in the whole of Christendom. And just when the Anglo Saxons thought it couldn't get any worse, they got conquered by King Canute, and Canute imposed a tax rate that was effectively 100%. Yeah. Well, that was one very big change, Tom. But another tax change is upon us. And this is the advent of making tax digital for income tax. And if you're at all concerned about it, this is where Lloyds come in because they are here to help make that change much simpler for you with a useful HMRC recognized accounting tool that will help you stay in line with all the making tax digital requirements. And the brilliant thing about this is that it is free for Lloyds business account customers. So when it is time to digitize your income tax, you can bank on Lloyds.

Self directed investing, trading, full service wealth management, automated investing, financial planning, thematic investing, retirement planning. And to think that's just a small taste of what Schwab offers. Because Schwab knows when it comes to your finances, choice matters. No matter your goals, investing style, life stage, or experience, Schwab has everything you need all in one place, so you can invest your way. Visit schwab.com to learn more.

I wanna tell you about the presenting sponsor of this podcast, Ramp. I have been reading a lot about SpaceX lately. SpaceX is one of the most valuable private businesses in the world and one of the main themes in the history of SpaceX is constantly attacking and questioning your cost. Ramp helps many of the most innovative businesses in the world do exactly that. The median company running on ramp cuts their expenses by 5%. And one thing SpaceX has demonstrated is that a religious dedication to controlling costs can help actually increase revenue because you can pursue opportunities you couldn't otherwise. And we see that in the ramp data too. The median company running on ramp also grows their revenue by 16%. So when you're running your business on ramp and your competitors are not, you have a massive competitive advantage that compounds over time. Ramp is the only platform designed to make your finance team faster and happier. Many of the top founders and CEOs I know run their business on Ramp. I run my business on Ramp and you should too. Go to ramp.com to learn how they can help your business save time, save money, and grow revenue. That is ramp.com.

Success is a journey, especially when it comes to your finances. One of the most common obstacles in our financial journey is dealing with high interest debt. It can often leave people feeling trapped, but it doesn't have to. If you're dealing with high interest debt, there is a way forward. A personal loan could consolidate all your high interest debt into one low interest monthly payment, helping you craft a road map to paying down your debt. It even comes with no fees required, getting you a financial win right away. Keep pushing on your journey to financial success. You could even get as soon as the same day funding. View your rate for a SoFi personal loan at sofi.com/guyroz. Loans originated by SoFi Bank NA, member FDIC. Terms and conditions apply. NMLS696891. Fast funds term apply at sofi.com/guyroz.

Thankfully, LifeLock monitors hundreds of millions of data points a second for threats to your identity, which is way more than anyone can do on their own. LifeLock keeps an eye on your personal information, credit applications, finances, and more. And if they find anything suspicious, like new loans or changes to your financial accounts, they alert you right away, all through text, phone, email, or the LifeLock app. Even better, alerts are automatically activated the moment you become a LifeLock member. No extra work on your part. Get the alerts that could make all the difference. Don't wait. Join LifeLock now. Visit lifelock.com/iheart and save up to 30% your first year. That's lifelock.com/iheart for 30% off. Terms apply.

Success is a journey, especially when it comes to your finances. One of the most common obstacles in our financial journey is dealing with high interest debt. It can often leave people feeling trapped, but it doesn't have to. If you're dealing with high interest debt, there is a way forward. A personal loan could consolidate all your high interest debt into one low interest monthly payment, helping you craft a road map to paying down your debt. It even comes with no fees required, getting you a financial win right away. Keep pushing on your journey to financial success. You could even get as soon as the same day funding. View your rate for a SoFi personal loan at sofi.com/guyroz. Loans originated by SoFi Bank NA, member FDIC. Terms and conditions apply. NMLS696891.

Success is a journey, especially when it comes to your finances. One of the most common obstacles in our financial journey is dealing with high interest debt. It can often leave people feeling trapped, but it doesn't have to. If you're dealing with high interest debt, there is a way forward. A personal loan could consolidate all your high interest debt into one low interest monthly payment, helping you craft a road map to paying down your debt. It even comes with no fees required, getting you a financial win right away. Keep pushing on your journey to financial success. You could even get as soon as the same day funding. View your rate for a SoFi personal loan at sofi.com/guyroz.

Success is a journey, especially when it comes to your finances. One of the most common obstacles in our financial journey is dealing with high interest debt. It can often leave people feeling trapped, but it doesn't have to. If you're dealing with high interest debt, there is a way forward. A personal loan could consolidate all your high interest debt into one low interest monthly payment, helping you craft a road map to paying down your debt. It even comes with no fees required, getting you a financial win right away. Keep pushing on your journey to financial success. You could even get as soon as the same day funding. View your rate for a SoFi personal loan at sofi.com/guyroz. Loans originated by SoFi Bank NA, member FDIC. Terms and conditions apply. NMLS696891. Fast funds term apply at sofi.com/guyroz.

Success is a journey, especially when it comes to your finances. One of the most common obstacles in our financial journey is dealing with high interest debt. It can often leave people feeling trapped, but it doesn't have to. If you're dealing with high interest debt, there is a way forward. A personal loan could consolidate all your high interest debt into one low interest monthly payment, helping you craft a road map to paying down your debt. It even comes with no fees required, getting you a financial win right away. Keep pushing on your journey to financial success. You could even get as soon as the same day funding. View your rate for a SoFi personal loan at sofi.com/guyroz. Loans originated by SoFi Bank NA, member FDIC. Terms and conditions apply. NMLS696891. Fast funds term apply at sofi.com/guyroz.

The Bloomberg Sustainable Business Summit returns to Singapore on July 22. Our fifth annual Asia Pacific Summit will explore how business and finance leaders are shaping the next phase of globalization by strengthening resilience, advancing climate adaptation, and driving a multi speed energy transition across Asia's diverse markets. Join us for solutions driven discussions, interactive workshops, and networking opportunities. Learn more at bloomberglive.com/sbs-singapore.

Ask yourself, what are your best people spending their time on right now? Expense reports, receipt chasing, month end close that takes weeks? You become what you spend on, and that's not what you're building toward. Brex is the intelligent finance platform that eliminates that work before it starts. AI agents that handle the manual stuff automatically so your team can spend their time on what actually compounds. It's time to get Brex AF. Learn more at brex.com/af.

Ramp gives your business fully programmable corporate credit cards for your entire team, automated expense reporting, bill payments, accounting, and more all in one place. Ramp is the only all in one platform designed to make your finance team faster and happier. Many of the top founders and CEOs that I know run their business on ramp. I run my business on ramp and you should too. Go to ramp.com today to learn how they can help your business save time, save money, and grow revenue.

Ask yourself, what are your best people spending their time on right now? Expense reports, receipt chasing, month end close that takes weeks? You become what you spend on, and that's not what you're building toward. Brex is the intelligent finance platform that eliminates that work before it starts. AI agents that handle the manual stuff automatically so your team can spend their time on what actually compounds. It's time to get Brex AF. Learn more at brex.com/af.

Ask yourself, what are your best people spending their time on right now? Expense reports, receipt chasing, month end close that takes weeks? You become what you spend on, and that's not what you're building toward. Brex is the intelligent finance platform that eliminates that work before it starts. AI agents that handle the manual stuff automatically so your team can spend their time on what actually compounds. It's time to get Brex AF. Learn more at brex.com/af.

Our sponsor, Acorns, is the financial wellness app that cares about where your money is going tomorrow. And with the Acorns potential screen, you can find out what your money is capable of. Acorns is a smart way to give your money a chance to grow. It's incredibly easy to use. You can sign up in minutes and start automatically investing your spare money even if all you've got is spare change. As your life evolves, Acorns grows with you, supporting your big and small goals across every life stage. Best of all, Acorns is all in one, so you won't need finance apps cluttering up your phone.

If you're a founder, the hardest part isn't the idea. It's scaling fast without getting buried in back office work. That's where Brex comes in. Brex is the intelligent finance platform for founders. With Brex, you get high limit corporate cards, easy banking, and high yield treasury, plus a team of AI agents that handle manual finance tasks for you. They take care of things like expenses, all according to your rules, so you can move faster while staying in full control.

Being financially independent is so important, and part of that is having a bank that isn't just a place to park your cash, but something that actually works hard for you. That's where our sponsor SoFi, the all in one finance app comes in. SoFi plus is a smart way to get more for your money. A premium membership that's packed with benefits unlocking a thousand dollars or more in annual value with qualifying activities. That value comes from things like a highly competitive APY on savings, investment matches and unlimited one on one sessions with experienced SoFi wealth financial planners SoFi Plus is the smart way to get more for your money, and you can get started for $10 a month. Head to sofi.com/wiser. That's sofi.com/wiser. This is a paid advertisement by SoFi Technologies and is not intended to be financial advice. Terms and conditions apply. SoFi Bank, NA member, FDIC.