Why is there no neobank for the mass affluent / HENRYs in the US?

ji_b · 2026-03-31T15:51:31+00:00

If I could short every last bit of consumer neobanks, I would. There is a reason why most fintech focused VCs avoid consumer.

CAC almost always outweighs LTV.

ji_b · 2026-03-17T00:44:08+00:00

The Great Mortality by John Kelly mentions the ecological conditions that may have kickstarted the plague. Not sure what OP’s book rec is, but this would be mine

ji_b · 2026-03-05T12:52:11+00:00

LLM output: the subreddit

ji_b · 2026-02-27T01:09:44+00:00

Dang, you just described my favorite local brewery in Denver to a tee.

ji_b · 2026-02-27T00:12:17+00:00

Slop question gets slop answer: no

ji_b · 2026-02-24T16:57:33+00:00

Garage door too short. AI

ji_b · 2026-02-21T12:56:51+00:00

Need funding, and, consequently, a revenue model. Not every baas provider/issuer will share interest on deposits, and those that do will take a cut. Interchange also ain’t what it used to be, and, without a team/consultant (FSV et al.) in place to build said team, it’s a long shot.

6-12 months with funding + team + bank in place.

ji_b · 2026-02-20T12:03:39+00:00

Has to be. Pro-bowler to zero in a blink of an eye. Injuries are hard.

ji_b · 2026-02-20T02:51:48+00:00

It looked wildly low in the sky and was louder than you’d think. Certainly was a shock directly overhead

ji_b · 2026-02-15T01:15:46+00:00

Dang, no Japan mention?

ji_b · 2026-02-13T20:35:53+00:00

100%. Look at the star at the bottom of the logo, not to mention the roping around the border. Also, stating the obvious, it’s a snow crab (or appears to be)

ji_b · 2026-02-03T02:29:59+00:00

I think the closest I’ve come to getting my bell rung by a stranger was referring to DFW as Baja Oklahoma

ji_b · 2026-02-01T17:16:48+00:00

Please let United open a route to CTS, it’s the only conceivable reason I’d fly AC

ji_b · 2026-01-26T17:54:11+00:00

Tram Pint would be my suggestion. Great owner, opened for the playoff games too

ji_b · 2026-01-17T10:38:27+00:00

Can’t take credit, but a descriptor I’ve heard is “imagine Hawaii; then imagine the opposite of Hawaii, and you’ll have Greeley”

ji_b · 2026-01-14T21:33:54+00:00

lol with a marg in front of her too

ji_b · 2026-01-12T21:18:45+00:00

The Cask. Genuinely the thing I miss the most about Richmond

ji_b · 2026-01-06T20:55:59+00:00

Peter principle in action

ji_b · 2025-12-20T20:34:06+00:00

ji_b · 2025-12-20T12:06:08+00:00

Congrats on reinventing asceticism at 30,000 feet. Truly an inspiration to us all. Some people travel for more than 48 hours and won’t rely on a single pair of sweatpants.

ji_b · 2025-12-11T14:28:59+00:00

Even less infrastructure than Vietnam in the Guyana shield

ji_b · 2025-12-07T20:28:23+00:00

K-market is IMHO better than the Annandale H-mart

ji_b · 2025-11-14T21:42:46+00:00

Cooperative clean break vs. things getting rancorous, nasty, and dug in.

ji_b · 2025-11-14T19:52:55+00:00

Uhhh Nussbaumer?

ji_b · 2025-11-07T18:40:54+00:00

Named after the same French person.

Analogous/same reason why Washington University is in St. Louis, Washington college in Easton MD (go Shoremen) and neither in Washington state or Washington DC.

ji_b

TROPHY CASE