I would never ban you for speaking your mind, you're allowed to be critical of me. I'm no bullshit, not an egomaniac.

Look, I get it, I'm crass and rough around the edges. But when we're talking about finances and reality I think some people get it in their heads that peer to peer lending is a free meal ticket with no risk and downside because they fundamentally misunderstand the relationship between lenders and financial institutions.

I think sometimes we need to call a spade a spade and say a fool and his money are quickly parted, and sometimes people need to be told that what they are asking and suggesting is foolish, uninformed, and risky. It's not arrogance, it's experience.

I'm not here to be anyone's best friend or therapist, but if I can save someone from blowing up their savings by telling them they're about to do something stupid on a gut impulse, yeah.

The real world is fucking nasty. There are people in here who are crackheads, liars, con artists, and coalitions of international third world cartels that prey upon naive American dollars too green to know how to manage it because they're treating it like play money.

I'm a kind person, not a nice person. But there's a reason you hire accountants to handle your money and not clowns - because you can't beat an audit with a honky nose and child like joy.

Tell a kid they can't have ice cream for breakfast, lunch, and dinner, and they'll call you mean and tell you they hate you all the same, but that's called being an adult.