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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 SoFi personal loan could consolidate all your high interest debt into one low interest monthly payment, helping you craft a roadmap 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/guyraz. Loans originated by SoFi Bank NA, member FDIC. Terms and conditions apply. NMLS696891. Fast funds term apply at sofi.com/guyroz.

Debt can get messy fast. Different cards, different rates, and somehow you're paying more in interest than your actual balance. It gets overwhelming, and it feels hard to get ahead. That's where today's sponsor, SoFi, comes in. SoFi could help you take control and get your money right. It's the all in one finance app that helps you bank, borrow, and invest your money all in one place. With a SoFi personal loan, you can save big by consolidating your high interest credit card debt into one low fixed monthly payment with no prepayment fees and no late fees. You could borrow $5,000 up to a $100,000 as soon as the same day you sign. Or SoFi can pay down your credit cards directly. SoFi's already helped members pay off over 33,000,000,000 in debt. And it was named NerdWallet's best personal loan of 2025. And checking your rate won't impact your credit score. Head to sofi.com/cj to take control of your debt today. That's sofi.com/cj. Loans originated by SoFi Bank, NA member FTIC. Terms and conditions apply. NMLS six nine six eight nine one.

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 five percent 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.

Fidelity has been researching and investing in blockchain since 2014, long before it was a headline. And they're hiring crypto and DeFi professionals to join their team and discover what's next in finance. Fidelity is looking for people with fresh perspectives from different backgrounds, whether it's tech, UX, or product design, whether you're crypto savvy or crypto curious, as long as you have the passion to make a real impact at a company striving to make finance accessible to all. Explore crypto careers at Fidelity today and make the decision that could change your future for the better. Visit crypto.fidelitycareers.com to learn more. That's crypto.fidelitycareers.com. Fidelity is an equal opportunity employer.

Call Her Daddy is brought to you by SoFi, the all in one finance app where you can bank, borrow, and invest. Nobody really explains how your money is supposed to work for you. Right? You just put it into a savings account and assume that's enough. Right? But daddy gang, the average bank savings rate is 0.39% in interest, which basically means you're only earning pennies on your savings when it could be doing so much more. And that is where SoFi comes in. With SoFi's high yield checking and savings, the money sitting in your savings account right now can earn over eight times the national average with eligible direct deposit. And there is no account fees or overdraft fees, so you get to keep more of your money. You can also get your paycheck up to two days early. And when you sign up with eligible direct deposit, you can earn up to $300 welcome bonus, which we absolutely love to see. Okay? So if you're ready to get more out of your money, sign up for SoFi checking and savings at sofi.com slash call her daddy. SoFi checking and savings is offered through SoFi Bank, NA member FDIC. Terms apply.

Call Her Daddy is brought to you by SoFi, the all in one finance app where you can bank, borrow, and invest. Nobody really explains how your money is supposed to work for you. Right? You just put it into a savings account and assume that's enough. Right? But daddy gang, the average bank savings rate is 0.39 in interest, which basically means you're only earning pennies on your savings when it could be doing so much more. And that is where SoFi comes in. With SoFi's high yield checking and savings, the money sitting in your savings account right now can earn over 8 times the national average with eligible direct deposit. And there is no account fees or overdraft fees, so you get to keep more of your money. You can also get your paycheck up to two days early. And when you sign up with eligible direct deposit, you can earn up to $300 welcome bonus, which we absolutely love to see. Okay? So if you're ready to get more out of your money, sign up for SoFi checking and savings at sofi.com slash call her daddy. SoFi checking and savings is offered through SoFi Bank, NA member FDIC. Terms apply.

So coding agents are basically solved at this point. They're incredible at writing code. But here's the thing nobody talks about. Coding is maybe a quarter of an engineer's actual day. The rest is stand ups, stakeholder updates, meeting prep, chasing context across six different tools. And it's not just engineers. Sales spends more time assembling proposals than selling. Finance is manually chasing subscription requests. Marketing finds out what shipped two weeks after it merged. ZenCoder just launched ZenFlow work. It takes their orchestration engine, the same one already powering coding agents, and connects it to your daily tools, Jira, Gmail, Google Docs, Linear, Calendar, Notion. It runs goal driven workflows that actually finish. Your stand up brief is written before you sit down. Review cycle coming up? It pulls six months of tickets and writes the prep doc. Now you might be thinking, didn't OpenClaw try to do this? It did, but it has come with a whole host of security and functional issues, which can take a huge amount of time to resolve. ZenCoder took a different approach, SOC two type two certified, curated integrations, tighter security perimeter. Enterprise grade from day one. Model agnostic and works from Slack or Telegram. Try it at zenflow.free.

Cost of living is already making it hard to live here, and it's not getting any better. Unfortunately, it's likely to get worse, and a lot of Americans fill the gap with credit cards, not just for fancy dinners, but to cover things like groceries and bills. That is a disaster. It's understandable, but don't go down that road because there is a tax, in effect, a survival tax of 20% interest or more. Why would you do that? Why would you hand money to the big banks when you can keep it for your family? Our friends at American Financing have a better way. If you're looking to buy your first home or refinance your current one, they're helping Americans achieve the dream of homeownership with monthly mortgage rates currently in the fives. American Financing saves its customers an average of $800 per month. That's nearly $10 every year back to you. This isn't just a loan. It's a total financial reset. So debt is tough, but there's a smart way to do it and a reckless, self destructive way to do it, credit cards. And so we recommend American Financing. They're salary based, not commission based, which means they actually work for you, not the banks. They're called America's home for home loans for a reason. Call 806855696. 806855696, or visit americanfinancing.net/tucker.

So coding agents are basically solved at this point. They're incredible at writing code. But here's the thing nobody talks about. Coding is maybe a quarter of an engineer's actual day. The rest is stand ups, stakeholder updates, meeting prep, chasing context across six different tools. And it's not just engineers. Sales spends more time assembling proposals than selling. Finance is manually chasing subscription requests. Marketing finds out what shipped two weeks after it merged. ZenCoder just launched ZenFlow work. It takes their orchestration engine, the same one already powering coding agents, and connects it to your daily tools, Jira, Gmail, Google Docs, Linear, Calendar, Notion. It runs goal driven workflows that actually finish. Your stand up brief is written before you sit down. Review cycle coming up? It pulls six months of tickets and writes the prep doc. Now you might be thinking, didn't OpenClaw try to do this? It did, but it has come with a whole host of security and functional issues, which can take a huge amount of time to resolve. ZenCoder took a different approach. SOC two type two certified, curated integrations, tighter security perimeter. Enterprise grade from day one. Model agnostic and works from Slack or Telegram. Try it at zenflow.free.

Lend in just introduced their lowest rates ever. No complexity, no fine print. The larger the loan, the lower the rate. These new rates apply to all new loans, refinances, and renewals with Lendin'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 anytime with zero penalties. Lendin has processed over $10,000,000,000 in loans over the last eight years. Don't choose between a great rate and the safety of your Bitcoin. Get both at Lend in. Get a quarter percentage point off your first loan at ledin.io/natalie.

Call Her Daddy is brought to you by SoFi, the all in one finance app where you can bank, borrow, and invest. Nobody really explains how your money is supposed to work for you. Right? You just put it into a savings account and assume that's enough. Right? But daddy gang, the average bank savings rate is 0.39% in interest, which basically means you're only earning pennies on your savings when it could be doing so much more. And that is where SoFi comes in. With SoFi's high yield checking and savings, the money sitting in your savings account right now can earn over eight times the national average with eligible direct deposit. And there is no account fees or overdraft fees, so you get to keep more of your money.

So coding agents are basically solved at this point. They're incredible at writing code. But here's the thing nobody talks about. Coding is maybe a quarter of an engineer's actual day. The rest is stand ups, stakeholder updates, meeting prep, chasing context across six different tools. And it's not just engineers. Sales spends more time assembling proposals than selling. Finance is manually chasing subscription requests. Marketing finds out what shipped two weeks after it merged. ZenCoder just launched ZenFlow work. It takes their orchestration engine, the same one already powering coding agents, and connects it to your daily tools, Jira, Gmail, Google Docs, Linear, Calendar, Notion. It runs goal driven workflows that actually finish. Your stand up brief is written before you sit down. Review cycle coming up? It pulls six months of tickets and writes the prep doc. Now you might be thinking, didn't OpenClaw try to do this? It did, but it has come with a whole host of security and functional issues, which can take a huge amount of time to resolve. ZenCoder took a different approach. SOC two type two certified, curated integrations, tighter security perimeter. Enterprise grade from day one. Model agnostic and works from Slack or Telegram. Try it at zenflow.free.

This episode is brought to you by LifeLock. Lots of places can accidentally expose you to identity theft. Doctor's offices, online retailers, insurance companies, the list goes on. Thankfully, LifeLock monitors hundreds of millions of data points a second for threats to your identity, which is way more than anyone could 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'll 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 life lock dot com slash j r e and save up to 30% your first year. That's lifelock.com/jre for 30% off. Terms apply.

Console builds AI agents that automate 70% of IT, HR, and finance support, giving employees instant resolution for access requests and password resets. So iPhone. Apple. IPhone. Yeah. I'm gonna update your software tonight while you sleep. Next morning, iPhone says, I couldn't do it, bro. Just didn't feel right. Vibe was off. This is something that I didn't know was so common, but I think everyone's been in this position which is like a funny thing. I think it has to do with how how much the battery is charged. But, lots of low hanging fruit, hopefully resolved in WWDC.

Coding agents are basically solved at this point. They're incredible at writing code. But here's the thing nobody talks about. Coding is maybe a quarter of an engineer's actual day. The rest is stand ups, stakeholder updates, meeting prep, chasing context across six different tools. And it's not just engineers. Sales spends more time assembling proposals than selling. Finance is manually chasing subscription requests. Marketing finds out what shipped two weeks after it merged. ZenCoder just launched ZenFlow work. It takes their orchestration engine, the same one already powering coding agents, and connects it to your daily tools, Jira, Gmail, Google Docs, Linear, Calendar, Notion. It runs goal driven workflows that actually finish. Your stand up brief is written before you sit down. Review cycle coming up? It pulls six months of tickets and writes the prep doc. Now you might be thinking, didn't OpenClaw try to do this? It did, but it does come with a whole host of security and functional issues, which can take a huge amount of time to resolve. ZenCoder took a different approach, SOC two type two certified, curated integrations, tighter security perimeter. Enterprise grade from day one. Model agnostic and works from Slack or Telegram. Try it at zenflow.free.

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 five percent and one thing SpaceX has demonstrated is that a religious dedication to controlling cost 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.

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 five percent and one thing SpaceX has demonstrated is that a religious dedication to controlling cost 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.

So coding agents are basically solved at this point. They're incredible at writing code. But here's the thing nobody talks about. Coding is maybe a quarter of an engineer's actual day. The rest is stand ups, stakeholder updates, meeting prep, chasing context across six different tools. And it's not just engineers. Sales spends more time assembling proposals than selling. Finance is manually chasing subscription requests. Marketing finds out what shipped two weeks after it merged. ZenCoder just launched ZenFlow work. It takes their orchestration engine, the same one already powering coding agents, and connects it to your daily tools, Jira, Gmail, Google Docs, Linear, Calendar, Notion. It runs goal driven workflows that actually finish. Your stand up brief is written before you sit down. Review cycle coming up? It pulls six months of tickets and writes the prep doc. Now you might be thinking, didn't OpenClaw try to do this? It did, but it does come with a whole host of security and functional issues, which can take a huge amount of time to resolve. ZenCoder took a different approach, SOC two type two certified, curated integrations, tighter security perimeter. Enterprise grade from day one. Model agnostic and works from Slack or Telegram. Try it at zenflow.free.

Support for the show comes from Monarch. It's summer, and that means a lot of us are gearing up for vacations. Don't make the mistake of not adequately preparing. Otherwise, your fantastic getaway could get colored with regret once the bill catches up with you. Set yourself up for success with Monarch. Monarch is the personal finance app that tracks everything, accounts, investments, savings goals, and spending. Get your first year of Monarch Core for half off just $50 with promo code markets. With Monarch, you get a built in AI assistant that helps you keep track of your finances, not just what you've already spent, which is what most finance tracking apps can do. Monarch helps you set goals, map out big purchases, and provides insights, including noticing when your spending has gone up or how much inflation is costing you. Monarch can even help you split the check with bill split. You can just scan the receipt, everyone claims what they got, and they all settle up in Monarch. Use code markets at monarch.com to get your first year of Monarch core at half off at just $50. That's 50% off your first year at monarch.com with code markets.

Support for the show comes from Monarch. It's summer, and that means a lot of us are gearing up for vacations. Don't make the mistake of not adequately preparing. Otherwise, your fantastic getaway could get colored with regret once the bill catches up with you. Set yourself up for success with Monarch. Monarch is the personal finance app that tracks everything, accounts, investments, savings goals, and spending. Get your first year of Monarch Core for half off just $50 with promo code markets. With Monarch, you get a built in AI assistant that helps you keep track of your finances, not just what you've already spent, which is what most finance tracking apps can do. Monarch helps you set goals, map out big purchases, and provides insights, including noticing when your spending has gone up or how much inflation is costing you. Monarch can even help you split the check with bill split. You can just scan the receipt, everyone claims what they got, and they all settle up in Monarch. Use code markets at monarch.com to get your first year of Monarch core at half off at just $50. That's 50% off your first year at monarch.com with code markets.