Most people are better off in an index fund. But if you want to beat the market, these are the principles that actually work.
Crypto is the most accessible wealth creation tool in history. Anyone with a phone and an internet connection can participate.
You don't have to be rich to be financially whole.
Financial education shouldn't cost $200,000 in tuition. A podcast and a library card can change your life.
The best investing education in the world is free. Read Buffett's shareholder letters. They're all online.
We started this podcast because the best investing books shouldn't require an MBA to understand.
The biggest risk in investing isn't volatility. It's never getting started.
The best bank account is the one that doesn't punish you for being broke.
Our free tier isn't a marketing gimmick. It's a belief that everyone deserves access to good design tools regardless of budget.
The hard part isn't getting to space. The hard part is making it routine and affordable enough that it actually changes civilization.
A therapy session costs $200 out of pocket or $30 with insurance. That difference determines who gets help and who doesn't. We make the $30 option available to everyone.
Insurance-based care is harder to build than cash-pay. But cash-pay means only rich kids get help, and I wasn't willing to build that company.
Cash-pay therapy is a luxury product disguised as healthcare. If your solution only works for people who can afford $200 a week, you haven't solved anything.
The biggest barrier to investing isn't knowledge. It's the feeling that you don't have enough money to start.
I'm not a tech guy. I look at technology from the Chinese farmer's perspective. If a farmer can use it, it's good technology.
Therapy shouldn't require a waitlist, a commute, and $200 an hour. We wanted to remove every barrier between someone and help.
Tax-loss harvesting alone pays for our fee several times over for most customers. People just didn't have access to it before because they didn't have enough money for a real advisor.
Only 3% of Indians invest in stocks. In America it's over 50%. That gap is not because Indians don't want to invest. It's because nobody made it easy enough.
I was a Buddhist monk for ten years. I shaved my head, lived in monasteries, and meditated for 16 hours a day. Then I thought: how do I explain this to someone on their lunch break?
Amazon and Flipkart serve India's top 100 million. We serve the next 500 million. The people who shop on WhatsApp, who compare prices in rupees, who need free shipping or they won't buy.
Critics call us unsustainable. They're right that fast fashion has environmental costs. But 500 million people in emerging markets want affordable fashion. Telling them they can't have it isn't a solution either.
I live in Maui, I surf every morning, and my rental properties pay for all of it. That is not bragging — that is the pitch. If I can do it from a small town in Washington with no connections, you can do it too.
Datadog charges $31 per host per month. Our open-source stack is free. Grafana Cloud is a fraction of their price. We are not trying to out-feature Datadog — we are trying to make observability affordable for everyone.
Technology should be accessible to everyone. The idea that great products are only for rich people is the biggest lie in the tech industry.
We built Polygon because Ethereum was too expensive for regular people. A farmer in India shouldn't have to pay $50 in gas fees to make a $10 transaction. That's broken.
We built Near to be developer-friendly from day one. Most blockchains require you to learn a new programming language. Near works with JavaScript. That one decision expanded our potential developer pool from thousands to millions.
A kid in a village in India deserves the same quality education as a kid at Stanford. The internet makes that possible. We just had to build the platform.
The $9.99 sale gets a lot of criticism. But it means a student in Bangladesh can learn Python for the price of lunch. That is the point.
Vidyapeeth offline centers are for students who do not have reliable internet. Education should not depend on your WiFi connection.
The best investments serve people who have been ignored. Coinbase gave regular people access to crypto. Ring gave regular people home security. That is the pattern.
Democratizing game development means making it possible for a solo developer in their bedroom to compete with a studio of hundreds.
Three hundred trillion dollars of real estate and regular people can only access it by buying a house they live in. That is absurd.
We started with expensive cameras. Now you can scan a room with your iPhone. Democratizing the technology is what changes everything.
We set out to open up the financial system by making investing more accessible.
I post all my valuations online for free because education should be accessible to everyone, not just people who can afford business school.
We're not trying to replace musicians. We're trying to give music to the 99% of people who can't play an instrument.
We want to bring the next billion software creators online. Most of them won't look like traditional programmers.
Everyone has a song inside them. We just removed the barriers to getting it out.
If physical therapy was convenient, accessible, and guided by a sensor, more people would do it. That's the insight.
We took YouTube's database technology and made it accessible to every developer, not just Google engineers.
Buy a piece of an apartment complex for $25,000. That used to require $25 million.
Accessible luxury means you don't have to choose between quality and a mortgage payment.
Now everyone can fly. That was not just a tagline. It was a promise to 600 million Southeast Asians who had never been on a plane.
Fashion should be democratic. Everyone deserves to look good, not just people who can afford designer prices.
The jet set life used to be for a very small group of people. I wanted to make it available to everyone.